Podcasts about mortgage

Tonight, somewhere across the world, a woman is lying awake at 3am, staring at the ceiling while numbers spin through her mind. Bills. Mortgage. Credit cards. Her stomach churns with that familiar knot of worry that's become her constant companion. She's worked hard her entire life, done everything she was told would lead to security, yet here she is, trapped in a prison made of stress and sleepless nights about money. Tomorrow morning, she'll wake up exhausted, put on a brave face, and pretend everything is fine while that weight sits heavy on her chest. Sound familiar? But in another part of the world, a man walks to his mailbox without that tightness in his shoulders, opens his bills without his heart racing, and sleeps peacefully because money has become his friend instead of his tormentor. He wasn't born wealthy. He didn't inherit millions. He simply discovered something that changed everything - how to free himself from the invisible cage that money worry creates around the human spirit. Today, you discover that same freedom. We're going to dissolve those chains forever and awaken something inside you that's been waiting your whole life to be set free.   

Ever wondered what it really costs to turn a light-bulb moment into something real? This week’s Money Diarist is a mum of two who did exactly that. She created a world-first product that launched just two weeks ago, and now she’s here to do what most founders wouldn’t: spill on every dollar it took to make it happen. From losing out to a dodgy sourcing agency to somehow pulling together $200K through pure determination, she’s laying it all out... the risks and the real-world chaos of betting on yourself. Inside the ep, we what it actual costs to get a product made, and how she’s juggling start-up life, toddler meltdowns, and a mortgage. It’s messy, bold, and so unbelievably relatable. GET VICTORIA'S BUDGETING SYSTEM: Master your cashflow here.Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4See omnystudio.com/listener for privacy information.

# Putting the Puzzle Pieces Together: Why Smart Mortgage Design MattersWhen clients come to us with their home financing goals, they usually arrive with a clear picture in mind: “I want to borrow this amount” or “I need to refinance my current loan.” And that's a great starting point. But here's what we've learned after years of helping families navigate mortgages—the first idea isn't always the best solution.The real value comes from asking better questions and designing a strategy that works for your specific situation.## Begin With the End in MindRecently, a client contacted us about purchasing a $1.5 million home on the North Shore. They had $300,000 ready for the down payment and wanted to borrow $1.2 million. Simple, right?Not quite. As we talked through their full situation, we learned they had significant equity in their current home, which they'd sell after moving into the new property. They also had good—but not great—credit scores around 740.Here's where mortgage design matters: a $1.2 million jumbo loan with that credit profile would have meant an interest rate north of 7%. But by thinking through the complete picture, we found a better path.We helped them take a second mortgage on their current home to free up equity, then combined that with their cash savings for a larger down payment on the new house. This brought their loan amount under the conforming limit of $806,500, where Fannie Mae and Freddie Mac offer better pricing. The result? A rate in the mid-5% range with no loan costs—and they'd already planned to pay off both mortgages when their old house sold anyway.Same goal. Same end result. Dramatically different monthly payment.## When Family Wants to HelpBuying a home from family members comes with its own unique challenges. Parents and grandparents naturally want to give their children a good deal, but without proper guidance, generosity can sometimes work against everyone's best interests.We recently worked with a family where the parents planned to sell their home to their children for $400,000—well below the $500,000 market value. They were worried about gift tax implications and had carefully calculated a $72,000 gift of equity to stay within annual limits.But here's what most people don't realize: structuring the sale at market value actually creates better loan terms for the buyers. Fannie Mae and Freddie Mac reward larger down payments with better pricing, and credit scores matter less when you're putting 40% down instead of 20%.The gift of equity works exactly the same either way—it's just structured differently on paper. And for most families, the gift tax concern is overblown. Unless the parents have an estate worth over $30 million, they simply file an extra form with the IRS noting the gift against their lifetime exemption.We connected the family with a qualified tax professional to confirm the approach, then structured the transaction to give the children better financing while the parents still provided the same generous gift. Everyone won.## The Stealth Refinance StrategyMortgage rules change regularly, and staying current on those changes is how we help clients maximize their options. Recently, Fannie Mae and Freddie Mac updated their definition of a “no cash-out” refinance—the kind that gets better pricing than a traditional cash-out loan.The new rule allows borrowers to receive the *greater* of $2,000 or 1% of the loan balance at closing while still qualifying for standard refinance rates. For a $400,000 loan, that's $4,000 instead of the old $2,000 limit.

Featured on WGN Radio's Home Sweet Home Chicago on 10/04/25: Bob Schmitt of The Junkluggers joins the show to inform WGN Radio listeners about what real estate agents need to know, including quotes and other key questions to ask when preparing a home for sale. To learn more about what The Junkluggers can do for […]

Featured on WGN Radio's Home Sweet Home Chicago on 10/04/25: Access Elevator's VP of Sales, Frank Wasilewski, joins the show to talk about the typical cost of a stairlift. To learn more about what Access Elevator can do for you, go to allaboutaccess.com or call them at 1-630-616-6249.

This week on Home Sweet Home Chicago, David Hochberg is joined by Frank Wasilewski, VP of Sales at Access Elevators, who discusses starlifts and the importance of understanding the typical cost of one. Then, Bob Schmitt of The Junkluggers joins the show to inform Realtors what they need to know, including quotes and other key […]

Buying a home isn't just about payments — it's about building a future.In this episode, David sits down with Nick, a first-time buyer who went from having just $1,500 in the bank to closing on a $312,000 home in less than a year. Nick shares the fears, doubts, and breakthroughs that turned his “someday” dream into reality — including the pivotal moment he realized that an extra $1,000 a month wasn't just rent, it was buying him security, equity, and a foundation for his family's future.You'll hear how listening to the podcast gave Nick a “study guide,” but reaching out for real help with a unicorn realtor made all the difference. His story shows why waiting can cost you, and why taking action — even when it feels scary — is the key to breaking out of the renter cycle.Quote“I kept waiting for the sales pitch… but it never came. Just the facts came, and that got my attention.” – NickHighlightsHow Nick turned $1,500 in savings into homeownership in under a yearThe moment he overcame the fear of reaching out for helpWhy an extra $1,000 per month on a mortgage payment isn't just “more rent”The difference between passive learning and active planning with a unicorn realtorWhy waiting can cost more than starting the process todayConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Put money towards the mortgage or a brokerage account? Allie and Quint break it down. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of the Real Estate Pros podcast, host Q Edmonds interviews Iean Finley, a seasoned real estate professional with over 20 years of experience. Ian shares his journey from selling insurance to becoming a mortgage lender and eventually specializing in short sales. He discusses the challenges of the current real estate market, the importance of problem-solving in real estate transactions, and his passion for helping clients navigate difficult situations. Ian emphasizes the need for proactive solutions in the face of market changes and highlights his focus on connecting distressed properties with investors to create inventory for home buyers.     Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Episode 610:  Don't let illness or injury derail your finances – discover why short-term and long-term disability coverage may be the most important protection you don't have. Next, Justin and Matthew break down why the Fed isn't the only force influencing mortgage rates and what other factors help determine what borrowers pay.

Welcome back to America's #1 Daily Podcast,  featuring America's #1 Real Estate Coaches and Top EXP Realty Sponsors in the World, Tim and Julie Harris. Ready to become an EXP Realty Agent and join Tim and Julie Harris?  Visit: https://whylibertas.com/harris or text Tim directly at 512-758-0206. ******************* 2025's Real Estate Rollercoaster: Dodge the Career-Killers with THIS Mastermind!

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!---⚙️ Automate your entire financial workflow, from investing to saving, with ⁠Sequence⁠.

In this episode, we talk a pay homage to Will's mentor by focusing on value and discipline, two things very much out of favor in the market at present. It is easy to see why as in the wake of five consecutive months of market gains, statistically the odds favor further appreciation. Moreover, even though valuations are high, historically valuation has proven a sub-optimal timing tool as it relates to near-term returns. With the Fed now more inclined to look more at weakening employment versus inflation, accommodative monetary policy seems supportive of valuation even at these elevated levels. In terms of what has been working recently, it is a strange combination of the largest technology stocks, which are now involved in myriad deals reminiscent of the late 1990s in terms of vendor financing and capital spending, and speculative retail favorites, many of which have no revenue, much less positive earnings. We still find opportunities and lower valuations among smaller and mid-cap stocks, especially those that are higher quality. However, since 2010, we have seen two very different markets. In the wake of the financials crisis, from August 2010 through August 2010, high quality stocks outperformed low-quality stocks by a factor of almost 3x. However, since that time, low quality stocks are up 140% versus high quality gaining only half that much. Retail investor speculation and the gamification of “investing” are contributing factors.   We also discuss the challenge facing consumers in terms of housing affordability, especially as the lower and middle income cohorts experiencing declining wage growth . To simply return to pre-Covid levels, it would take one of three things, or a combination thereof: Home prices fall 38%. Incomes to rise 60%. Mortgage rates to decline to 2.35%. With the first two seemingly unlikely, can the Fed get there with rate cuts, or is some form of yield curve control required.   We are hoping for a Red October on the baseball diamond but not in the market, but only time will tell. Learn more about Formidable Asset Management, Will Brown, and Adam Eagleston by visiting www.formidableam.com.

Special Guest: Keith Goeringer#howimetyourmortgage​ #justthetipscoaching​ #justthetips​ #salescoachingdenver​ #salescoaching​ #realestate​ #mortgage​ #sales​ #salestips​ #businesstips​ #tunein​ #podcast​ #videocast​ #applepodcast​ #spotifypodcast

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

Mortgage and real estate expert David Hochberg joins Jon Hansen, filling in for John Williams, to talk about the impact of a government shutdown, U.S. private companies losing 32,000 jobs in September, what you need to know about a HELOC, and to answer all of your real estate and mortgage questions. David hosts “Home Sweet Home […]

Mortgage and real estate expert David Hochberg joins Jon Hansen, filling in for John Williams, to talk about the impact of a government shutdown, U.S. private companies losing 32,000 jobs in September, what you need to know about a HELOC, and to answer all of your real estate and mortgage questions. David hosts “Home Sweet Home […]

Mortgage and real estate expert David Hochberg joins Jon Hansen, filling in for John Williams, to talk about the impact of a government shutdown, U.S. private companies losing 32,000 jobs in September, what you need to know about a HELOC, and to answer all of your real estate and mortgage questions. David hosts “Home Sweet Home […]

Jon Paddol is a regular guy who has quietly built a solid rental portfolio. He started at 24, renting out rooms to friends, and looking back, he wishes he had bought even more properties when he was in his 20s.On this episode, Jon shares how he transitioned from renting to friends to screening actual tenants, and what that experience taught him.He also talks about how he only buys properties in a very tight area, close to where he lives, and how this has made managing his properties easier.We also review Jon's numbers and discuss how the equity he has created has given him many options regarding paying for college for his kids and potential moves he may make with his portfolio in the future.https://rentalincomepodcast.com/episode541Thanks To Our Sponsors:MidSouth HomeBuyers – Turnkey Rentals In Memphis & Little Rock. Instant Cash Flow On Day One. (Priced between $100,000 to low $200's)Ridge Lending Group - Making investment Mortgage process simple and stress-free.Rental Accounting Software Made Easy. Free 30 Day Trial.

The Fed finally lowered interest rates and the mortgage companies are relentlessly pushing for refinances. What is the best choice? In almost all cases, it is the 30 year fixed. Why? Many reasons - listen in and find out!   Highlights Fed lowers interest rates: Mortgage opportunities. Velocity banking: An Australian trick. Bet on yourself: God-driven decisions. 15-year vs 30-year mortgages: Initial setup. Payment calculations: Mortgage comparison. 15-year mortgage interest: Quick payoff impact. Cash vs mortgage: Wealth building scenarios. Million-dollar example: Time as a financial factor. Tax misconceptions: Understanding tax brackets. Inflation impact on mortgages: Long-term effects. Financial strategies: Tax and deduction insights.   Links and Resources from this Episode Connect with Gary Pinkerton https://www.paradigmlife.net/  gpinkerton@paradigmlife.net https://garypinkerton.com/  https://clientportal.paradigmlife.net/WealthView360    Review, Subscribe and Share If you like what you hear please leave a review by clicking here   Make sure you're subscribed to the podcast so you get the latest episodes. Subscribe with Apple Podcasts Follow on Audible Subscribe with Listen Notes Subscribe with RSS

On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about why housing demand and pricing have firmed up. Related to this episode: Mortgage spreads are the hero of the 2025 housing market | HousingWire ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠More info about HousingWire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enjoy the episode! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate stories. Hosted and produced by the HousingWire Content Studio. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Investor Fuel Podcast, host Leo Wehdeking speaks with Adam Cohen, a seasoned real estate professional with over 35 years of experience. Adam discusses his dual focus on commercial mortgage banking and the innovative SaxCap fund, which leverages blockchain technology to democratize real estate investment. He shares insights on the importance of experience, navigating market challenges, and building trust with investors. Adam also outlines his future goals for SaxCap and emphasizes the need for continuous reinvention in the ever-changing real estate landscape.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

The following guest sits down with host Justin White:•   Wade Betz – Branch Manager, Mpire Financial Successful Loan Originators Focus on Actions That Involve Old School Sales TacticsMortgage loan originators can't sit back and wait for loans to come to them. What do outdoor cats have in common with the most successful LOs? Listen to Episode #106 of Good. Better. Broker. to learn about tried-and-true sales activities that can help increase business and accountability.In this episode of the Good. Better. Broker. podcast, you'll hear which sales actions to prioritize, how often to do them and how to track them.In this episode, we discuss ...•   1:41 – how Wade has built a branch of high-producing LOs•   3:43 – why LOs need to act like outdoor cats•   4:36 – how LOs can get the phone to ring•   5:14 – the importance of tracking sales activity•   6:50 – top sales activities for LOs•   9:18 – the three reasons why LOs should call people•   10:11 – time-blocking like your pipeline depends on it•   11:53 – Wade's morning schedule•   14:07 – how coaching has impacted Wade's career•   17:21 – staying on top of your client database•   20:27 – Wade's blueprint for enhancing sales activityResources mentioned in this episode: Miracle Morning book  HomebotHome IQ Show Contributors:Wade BetzConnect on LinkedIn Connect on Facebook Connect on InstagramAbout the Host:Justin White is UWM's in-house brand journalist and the host of UWM Daily. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy-award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University. Connect with Justin on LinkedIn, Instagram or Twitter Connect with UWM on Social Media:•   Facebook•   LinkedIn•   Instagram•   Twitter•   YouTubeHead to uwm.com to see the latest news and updates.

From AssetBuilder's Plano HQ, host Joey Badinger sits down with Adam Morse, Janet Griffith, and Tommy Williams to unpack America's debt picture—from household budgets to the federal balance sheet. We break down mortgages vs. auto/student/credit-card debt, what rising rates mean, how to use debt-to-income (DTI) the smart way (the 28/36 rule), and practical habits to avoid lifestyle creep and instant-gratification financing. You'll learn: How much U.S. households owe (and where it sits by generation) Why mortgages can be “productive” debt—and why long car loans aren't Current rate realities (mortgage, auto, student loans, credit cards) Exactly how to calculate your DTI (with target ranges) Behavior traps: BNPL, long auto terms, monthly-payment thinking What “deficits” mean at home and at the national level—and why they compound Hosts & Credentials: Joey Badinger (Lead Advisor), Adam Morse (Director of Advising), Janet Griffith (Senior Advisor), Tommy Williams (Associate Advisor), AssetBuilder, Plano, TX. Contact the show: https://www.assetbuilder.com Chapters 00:00 Intro & Disclaimer 00:32 Welcome, Hosts & Setup (Plano HQ) 01:00 What We're Covering: Consumer vs. National Debt 02:00 U.S. Household Debt Snapshot (Totals & Averages) 03:15 Debt by Age Cohort (30–39, 40–49 peak, etc.) 05:10 Gen Z, Mortgages & Down Payments 06:00 Is Debt “Bad”? Productive vs. Dangerous Debt 07:20 National Debt vs. GDP (Post-WWII to Today) 09:40 Auto Loans Deep Dive (Long Terms, Delinquencies) 12:10 Average Loan Sizes (New vs. Used) 13:00 Deficits at Home & Nationally—What It Means 14:20 Growth Limits, Demographics & Reality Check 16:00 Rate Check: Mortgage, Auto, Credit Cards, Student Loans 18:30 Emergency Funds > High-APR Credit Cards 20:10 BNPL & Instant-Gratification Traps 21:10 Know Your Biases (Impulse, Overconfidence) 22:40 Budgeting Habits That Actually Stick 26:10 How to Calculate DTI (28/36 Rule) 28:30 Lender Approval vs. Healthy DTI 31:00 Why 70+ Debt Can Be Risky (Context Matters) 33:00 Depreciating vs. Appreciating Assets (Cars vs. Homes) 34:20 Action Steps: Start Small, Delay Gratification 36:00 How to Contact & Subscribe 36:30 Sign-Off & Disclosure Key Takeaways Debt is a tool, not a villain. Mortgages can raise quality of life; revolving/consumer debt at high APRs can snowball. Auto loans are 2nd-largest consumer debt and loan terms are stretching—be wary of “just the monthly.” Credit-card APRs >20% make balances dangerous; build emergency savings to avoid swipes under stress. DTI targets: ≤28% housing (PITI+HOA), ≤36% total debts is healthy; 50%+ is a red flag. Behavior beats hacks: budget regularly, delay gratification, prefer used cars/shorter terms, question “need vs. want.” Hashtags & Keywords Keywords: consumer debt 2025, debt to income ratio, 28/36 rule, mortgage vs rent, auto loan terms, credit card APR, student loans, national debt vs GDP, budgeting tips, AssetBuilder advisors Hashtags: #PersonalFinance #DebtFreeJourney #DTI #Mortgage #AutoLoans #CreditCards #Investing #Budgeting #KeepItSimplePodcast #AssetBuilder

In this episode of the Loan Officer Team Training Podcast, I interview Jeremy Forcier, a top producer in the mortgage business. We discuss Jeremy's journey, key habits that contribute to his success, and the importance of self-awareness, belief, and humility. Jeremy shares insights on facing fear and rejection, the significance of tracking performance, and his plans to launch a coaching program focused on building a supportive community. The conversation emphasizes the need for balance in life and the impact of serving others in the business.------------------------------------------------------------------------------------Follow Jeremy Forcier:Instagram: @jeremyforcierWebsite: https://meetjeremy.info/Connect with me:Listen to this Episode: https://loan-officer-team-train.captivate.fm/listenMy Instagram: @itsirenedufordMy LinkedIn: Irene DufordMy Email: ireneandkevin@loanteamtraining.comGet Loan Team Training for YOUR team: loanteamtraining.com

Alright, buckle up buttercups! Ready to ditch the dumpster fires of traditional real estate and finally smell the roses? Scott Carson's servin' up a steaming hot plate of truth with 13 REASONS why you NEED to be knee-deep in mortgage notes. Forget rehab nightmares and tenant tantrums, we're talkin' passive income, baby!

The guys recap the Patriots big win over the Panthers and they look back on the week that was in college and high school football.

A major shift in Australian healthcare will now allow registered nurses to prescribe medications after additional training, promising better access for all Australians and easing pressure on the GP shortage. Plus, we break down President Trump's sweeping new 20-point peace plan for Gaza, what's in the controversial proposal, and whether it stands any chance of bringing an end to the Israel-Hamas war. And in headlines today, A UN expert has advised that Australia needs to cut it’s defence agreement ties with Israel or risk being complicit in genocide; Mortgage-holders may have to wait longer for more interest rate relief after commentary from the reserve bank's board and governor Michele Bullock was more pessimistic about inflation than expected; US President Donald Trump and defence secretary Pete Hegseth have addressed a hastily convened crowd of the country’s top generals and admirals to tell them the age of 'woke' is over; Just a day after it was announced that Aussie stars Nicole Kidman and Keith Urban were separating, Kidman has filed for divorceTHE END BITS Support independent women's media Check out The Quicky Instagram here Listen to Morning Tea celebrity headlines here GET IN TOUCHShare your story, feedback, or dilemma! Send us a voice note or email us at thequicky@mamamia.com.au CREDITS Hosts: Taylah Strano & Claire Murphy Guest: Dr Jessica Genauer, International Relations at Flinders UniversityAudio Producer: Tegan SadlerBecome a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

A revolving credit mortgage can be confusing. Is it an overdraft? A savings account? Or just another type of loan? In this episode, Ed and Andrew explain revolving credit, how to use it properly, and the common mistakes Kiwis make.You'll learn:How to pay off your mortgage up to 20 years faster using the “Mortgage Buster” strategyThe difference between reducing and non-reducing revolving credits (and which one works best)The traps that catch out investors – like overspending, floating rates, and monthly feesThis episode will show you the step-by-step process if you've ever wondered how to make your mortgage work harder.Don't forget to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠create your free Opes+ account here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.For more from Opes Partners:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠

Simon examines the essential mortgage decisions for property investors, addressing whether to fix or vary a mortgage rate, the optimal time to remortgage given current interest rate freezes, plus the strategy behind using interest-only mortgages for investment properties versus repayment mortgages for a personal home KEY TAKEAWAYS Many people whose fixed or discounted mortgage terms have ended are now on their lender's Standard Variable Rate (SVR), which can be very expensive (the Bank of England rate plus 3% to 5% or more). Given the Bank of England's current freeze on rates and uncertainty about future increases to control inflation, fixing a mortgage rate now for stability—often for five years—is a recommended personal strategy, even if rates aren't as low as they were previously. Some lenders are charging high arrangement fees (up to 7%) to lower the monthly interest rate, which can improve monthly cash flow, especially if the fee is added to the loan and the long-term property value growth is expected to offset the cost. For investment properties, an interest-only mortgage is generally preferred, as it allows investors to pay only the interest, maintain better cash flow, and benefit from the property's capital growth over time, while repayment mortgages are typically used for a personal home. BEST MOMENTS "I don't think we will ever go back to that half percent base rate." "They're lowering the interest rate we pay, but then loading the difference into the arrangement fee." "I think if interest rates do come down over the next six months or so, more people are going to come back into the property market wanting to buy property, the demand will go up and thus people be paying more for their property purchases." "I think being able to borrow from banks is amazing." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Imagine a world where your investments work smarter, not harder. Keith reveals the truth about why real estate trumps stocks, and how the current economic landscape is creating a once-in-a-generation wealth opportunity. Discover: Why traditional investing wisdom is leaving younger generations behind Why owning assets is the ultimate key to breaking free from economic uncertainty From the dying middle class to the rise of strategic real estate investing, Keith exposes the game-changing insights that most investors never see. Inflation is reshaping the economic landscape - and you can either ride the wave or get swept away Generation Z faces unprecedented economic challenges  Want to learn more? Your financial transformation starts here. Resources: Text FAMILY to 66866 Call 844-877-0888 Visit FreedomFamilyInvestments.com/GRE Show Notes: GetRichEducation.com/573 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GR, I'm your host. Keith Weinhold, talking about real estate versus stocks, how housing has been in a recession that could now be thawing. Then why the war on the young and the vanishing middle class threatens to get even worse today on get rich Education.    Keith Weinhold  0:19   You It's crazy that most people think they're playing it safe with their liquid money when they're actually losing savings accounts and bonds don't keep up when true inflation can eat six to 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments and their flagship program with fixed 10 to 12% returns that have been predictable and paid quarterly. There's real world security. It's backed by needs based real estate like affordable housing, Senior Living and healthcare. Ask about the freedom flagship program when you speak to a freedom coach there. And here's what's cool. That's just one part of FF eyes family of products. They include workshops and special webinars, educational seminars designed to educate before you invest start with as little as 25k and finally, get your money working as hard as you do. It's easy to get started. Just grab your phone and text family. 266866, text the word family. 266866, that's family. 266866,   Corey Coates  1:37   you're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:47   Welcome to GRE from Rocky Mount North Carolina to Mount Shasta, California and across 188 nations worldwide. I'm your host, Keith Weinhold, and you are inside for another wealth building week of get rich education. A lot of people have been building wealth lately. Do you even understand all the markets that are either at or near all time highs, real estate, stocks, gold, all recently hit those levels, also nested home equity positions of American property owners are at all time highs. Silver is also near an all time high, and so are FICO credit scores. All this means that the haves are in really good shape, and the have nots aren't more on that later. Let's then you and I talk about real estate versus stocks. I've invested in both for decades, and it's not something that I do on the side. This is the core of what I do and talk about with you every week. And I've never felt more inclined toward investing in real estate ever the resilience of residential real estate, a major reason is that I've always found real estate investing easier to understand than the s and p5 100, and it comes down to the mechanics of each one in The stock market, a company can be well run, it can be profitable, and it can even be growing, yet its stock price might fall anyway. Why? Because expectations weren't met for a quarterly earnings report, or investor sentiment just happened to shift for a while, people just tended to focus on the bad stuff instead of the good stuff, even though it was always there, and that's why the stock price went down. So what makes a stock move more often than not, is kind of laughable. It isn't a word sentiment, emotions. It's how investors collectively feel about a stock and that can change on a dime. One quarter's earnings miss an interest rate hike, geopolitical news or even a single social media comment from a CEO that can move billions of dollars of market value in an instant real estate, on the other hand, that strips away a lot of that noise and that ability for other people's emotions to ruin the price of your apartment building that cannot happen at its core, the value of a property is tied to its income stream and the market that It sits in, that makes it far more direct and way more controllable. If I buy a property, I can see the levers in front of me and ask my property manager to push or pull them or even do it myself. For example, I just asked them to replace flooring in three of my apartment units. With pricier luxury vinyl plank rather than new carpet, and that's because I plan to hold that building for another five years or more. I'll attract a better quality tenant that can afford to pay me more rent. So I know that if I improve operations and increase occupancy, reduce expenses or reposition the asset down the road. I mean, that is directly going to increase net operating income, and that increase will directly affect my valuation. So there's a logic to this that's almost mechanical, and that is not to say that real estate is without nuance or risk. The risk lies in execution. You have to underwrite carefully. Is the location of your property sustainable long term? Are the demographics supportive of Lent growth? What capital improvements are truly lucrative to you and provide the tenants with value, and what kind of improvements are only cosmetic? So real estate isn't just tangible, it's also something that you can interact with. You can walk a property, you can even speak to tenants, study the neighborhood and know exactly what you're dealing with. It's not a ticker symbol reacting to opaque forces that you'll never see or control, and for me, that tactile nature creates clarity. When you buy the right property in the right market with the right strategy, then the path forward is not mysterious. It isn't whimsical, it's deliberate. Real Estate is easier to understand than the S p5, 100. And that also doesn't mean that real estate is simple, because there is that due diligence and strategy, but it's the cause and effect relationship between what you do and the outcome that you get that's far more direct with stocks. You can be completely right about the fundamentals. I mean, you can nail it. You can Bullseye that stock target, and after all that, yet still lose with real estate. If you execute well, the fundamentals eventually do show up in the returns and see because of that direct cause and effect relationship, you can improve yourself as a real estate investor faster than a stock investor can, and that's because you can learn about how your upgrade drove your properties, noi, that information, that feedback that you got, that's something that you can either replicate again or improve upon in your own investor career. So between real estate and stocks, execution is the real differentiator, and control is a key one as well. To me, that sweet spot is control that I have. But through a property manager that way, control doesn't mean that you're losing your quality of life, your standard of living. Now, some people, they do, have the right handyman skills to maintain the property and the right people skills to maintain the tenants. So self managing it can work for just a few people. I sure don't have the handyman skills myself. Sheesh, if I even try to hang a picture on a wall, there's a 50% chance that it's going to end in a drywall patch job. When you can see the cause and effect between your decisions and the property's performance, it creates that level of control that stocks and bonds just don't offer. And I'm also being somewhat kind to stocks by discussing a benchmark like the s, p5, 100, even harder to control and understand are the Wall Street derivatives and financial mutations that the people invested in them don't even understand. Unlike stocks, you own, the levers you own, the operations, the expenses and the occupancy, both have risks, but real estate's risks are more perceptible, more knowable. You won't have to cringe when a company's CEO posts a tweet that's either pro Israel or pro Gaza. Billions of market cap is wiped out, and your investment goes down 12% in one hour. This is why we talk about real estate on the show. There is less speculation and conjecture. It is concrete stuff, and that's all besides how real estate pays you five ways at the same time, as if that wasn't enough.    Keith Weinhold  9:38   Now, when we talk about real estate investing in this decade, do you realize that we have been in a housing recession for two years? A recession in real estate? I mean, it might not feel like it with those home prices at erstwhile mentioned all time highs. We don't need to have falling prices to have a recession. Investors are obviously. Making money in this housing recession. The recession I'm talking about is the slowdown in housing activity stemming from less affordability, lower sales volume and less available inventory. But we do now have signs that we are breaking out of these housing doldrums. As far as affordability, national home prices are staying firm. But what's helping there is that mortgage rates have fallen, and we've also had wages that are rising faster than rents and wages that are rising faster than mortgage payments. In fact, wages have been rising faster than both of those for most of the last year now, and that's sourced by Freddie Mac Federal Reserve stats and rental listings on Redfin. Yes, year over year, American wages are up 4.1% rents are up 2.6% and mortgage payments are basically unchanged over the past year, up just two tenths of 1% and of course, these facts, combined with lower mortgage rates, all supports more real estate price growth. Now to kick off the show, I mentioned how real estate stocks and gold all recently hit all time highs. Well, that's denominated in perpetually based dollars, of course. However, one thing that affects you that certainly has not reached all time highs is the level of available homes, the number of homes for sale, that inventory is up off the recent bottom in 2022 yet it is still below pre pandemic levels. We have had quite a recovery here. National active listings definitely on the rise. They are up 21% between today and this time last year. Well, that means that buyers have gained leverage, mostly across the south, where lots of new building has occurred, and some areas of the West as well. Yet today, we are still, overall here 11% below 2019 inventory level. So nationally, we're basically still 11% below pre pandemic housing inventory levels. And in the Midwest and Northeast, the cupboard looks even more bare than that, since new construction totally hasn't kept up there, we will see what happens. But with the recent drop in mortgage rates, buyers might take more of that available inventory off the shelf. But here's the twist that I've heard practically no one else talk about no media source, no one in conversation. Nobody. It is the paucity of available starter homes. It's the entry level home segment that has the great scarcity, and it's these low cost properties that are the ones that make the best rental properties. Their paucity is jaw dropping, as sourced by the Census Bureau and Freddie Mac starter home construction in the US. I mean, it is just fallen precipitously. Are you even aware of the trend? All right, defined as a home of 1400 square feet or less, all right, that's what we're calling a starter home. Their share of new construction that was 40% back in 1982 Yeah, 40% of new built homes were starter homes. Then by the year 2000 it fell to just a 14% share, and today, only 9% of new built homes are starter homes, fewer than one in 10, and yet, that's exactly what America needs more of. So although overall housing inventory is still low, it's that entry level segment that is really chronically underserved, and that won't change anytime soon, we remain mired in a starter home slump because builders find it more profitable to build higher end homes and luxury homes. Yet for anyone that owns this workforce rental property, which is the same thing we've been focused on doing here on this show, from day one, you are sitting in an asset class that's going to remain stubbornly in demand over the long term. And when it comes to starter homes, the ones Investors love most, they are more scarce than bipartisan agreement in Congress, really. That is the takeaway here.    Keith Weinhold  14:39   So last week, I had an interesting in person meet up at a coffee shop with a 19 year old college student because he's a real estate enthusiast, rapping Gen Z there. He's an athlete too, an 800 meter runner. Well, his dad read Rich Dad, Poor Dad, and his dad has 60 rental properties. Where they're from in Wisconsin, and maybe you're wondering, oh, come on, what could I learn from this 19 year old? I don't think that way. Now, I told him about some foundational GRE principles like financially free, beats debt free and things like that. It was also insightful to get his take on how he sees the world, and for me to learn what his professors are teaching him about real estate investing in his classes, he talked about how his professors show them, for example, what affects apartment cap rates. Also about how, whenever they run the numbers on a property, it always works out better to get the debt, get that mortgage, and how that leverage increases total rates of return. I was really happy that he's learning that over there at the university, but I was really impressed how at age 19, he's responsible and understands so much about society, politics, investing, athletics and even diet. I mean, this guy is rare, talking about his preference for avoiding food cooked in seed oils and choosing beef tallow instead. He also lamented on how Generation Z is so screwed up, saying that no one reads, no one's having kids, no one can buy a home, no one's going to be able to buy a home, and that people his age are so used to looking at screens that they're anxious about in person interactions, even in person, food ordering from a waiter at a restaurant gives them anxiety. He and I are planning to go running together next week. We'll see how that goes. As a college 800 meter runner, he's going to have the speed advantage on me, but we're running up a steep, 40 minute long trail where I've got a shot at an endurance advantage. So it was rather interesting to get his take and see what college professors are teaching on real estate. I mean, this generation that's coming of age now, Gen Z is the worst generation since George Washington to have it worse off than their parents. I'm going to talk about that today, shortly. next week, on the show here, I plan to help you learn about what's going on with some real estate niches and what their future looks to be over the next 10 to 20 years, including mobile home park real estate and parking lot real estate, one of these asset classes I really don't like the future of That's all next week on the future of some certain real estate niches. Straight ahead today, I want to tell you about mortgage rates in a way that you've never thought about before and more about the war on the young and the vanishing middle class. I'm Keith Weinhold. There will only ever be one. Get rich education podcast episode 573, and you are listening to it.    Keith Weinhold  17:53   If you're scrolling for quality real estate and finance info today, yeah, it can be a mess. You hit paywalls, pop ups, push alerts, Cookie banners. It's like the internet is playing defense against you. Not so fun. That's why it matters to get clean, free content that actually adds no hype value to your life. This is the golden age of quality email newsletters, and I write every word of ours myself. It's got a dash of humor. It's direct, and it gets to the point, because even the word abbreviation is too long, my letter takes less than three minutes to read, and it leaves you feeling sharp. And in the know about real estate investing, this is paradigm shifting material, and when you start the letter, you'll also get my one hour fast real estate video course, completely free as well. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be simpler to get visit gre letter.com while it's fresh in your head, take a moment to do it now at gre letter.com Visit gre letter.com    Keith Weinhold  19:06   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 prequel and even chat with President Chale Ridge personally. While it's on your mind, start at Ridge lendinggroup.com that's Ridge lendinggroup.com   Todd Drowlette  19:38   this is the star of the A E show the real estate commission, I'd roll that. Listen to get rich education with my friend Keith Weinhold, and don't quit your Daydream.   Speaker 1  19:49   Welcome back to. Get Rich Education. I'm your host. Keith Weinhold, as a reminder that show the real estate commission starring our friend Todd Drolet, who is a guest on the show here with us at the beginning of this month, it starts October 10, on A and E, that's that reality based commercial real estate show. Late last year, the Fed lowered interest rates, and they're doing the same thing again this year, when interest rates rise and fall, think of it like a wall that's being raised and lowered. Cutting rates is like lowering the height of a wall or a dam. That's because it allows for the free flow of capital. Savings rate accounts. Well, since they'll now pay at a lower rate with this rate cut, they're more likely to get shifted out and invested somewhere and flow into something else, driving up that other asset's value. Mortgages are more likely to originate because you pay less interest. Lowering rates lowers the impediment to the flow of money. It eases that flow. Oppositely, raising rates is like increasing the height of a wall or a dam, because if your savings account rate goes from 4% up to 5% oh well, you more likely to keep it parked there a higher wall or dam around your money, and raising rates makes your mortgage costs higher, so you're more likely to stay put and not move money around, constrained by the higher wall, that's how interest rates are like walls and lower walls also increase inflation, since they increase The flow of money, and hence the demand for goods and services. Well, then why did the Fed cut rates, lowering the wall opening the door for inflation this last time? Well, I think you know that was due to the evidence of a sputtering job market. You know that, if you follow this stuff, a slowing job market slows the flow of money, hence why they lowered the wall to increase the flow. Now this might translate to even lower mortgage rates. It does have that loose correlation anyway, and this should lift the housing market. But here's the real problem. Inflation is higher than the Fed wants already, and it's still rising, and they cut rates, making it more likely to rise further. This is like pouring gasoline on a campfire while yelling, don't worry. I got this sure the fire burns brighter, all right, but you might lose your eyebrows. The risk here is that these rate cuts will make inflation spike, since lower rates makes everyone less likely to save and more likely to borrow and spend, this pushes up prices even farther and faster, and this is the Fed's dangerous game. This is the crux about why the Fed is between a rock and a hard place. Ideally, the Fed only cuts of inflation is at or below their 2% target, but understand it hasn't even been there one time in nearly five years. Now, year over year, inflation was 2.7% last month and rose to 2.9% this month. The price of almost everything is up even faster than it usually goes up, beef, housing, haircuts, flamin hot, Cheetos, everything as we know this inflation that's now positioned to pick up again. However, for us, this is the long term engine that makes our real estate profitable. It makes it easier to raise rents, all while your principal and interest payment stays fixed. Inflation cannot touch that like a mosquito buzzing against a window, and let's be real, official inflation numbers are like Instagram filters. They are shaved down, touched up and airbrushed. The government massages them with tricks like hedonics, the wave of inflation that peaked at 9% in 2022 that has already widened the distance between the haves and the have nots, like the Grand Canyon, eviscerating so much of the middle class. And now the powers that be are setting up a scenario for another wave of elevated, long term inflation. This could get dire. Look like I was saying earlier the generation coming of age today is the first one since George Washington to have it worse off than their parents. Do You understand the profundity of this? They had the lowest home ownership rate, and they're the poorest, often leaving them directionless, anxious, depressed, drug addicted and even suicidal for. The first time in US history, Americans are on track to be poorer, sicker and lonelier than their parents. They will make even less than their parents did at the same age, and that's despite having a college degree. Inflation is a big reason for that, and that's what I help you solve here. I can't really help you with the depression stuff. That's not really my role with what I do here in the show. But inflation, in getting behind is one contributor to all these things. Understand, in 1989 those under age 40, they held 12% of household wealth. Today it's just 7% older Americans got rich, and they basically locked the gates behind them. Those over age 70 only held 19% of US wealth in 1989 now it's 30% Harvard's endowment has grown 500% since 1980 that's adjusting for inflation, but yet their class size hasn't grown. I mean, this is just more evidence that old money wins and young people are losing and cannot get ahead in 2019 the federal government spent eight times more per capita on seniors than they did kids. We all know that Gen Z is delaying marriage, home ownership and family formation in 1993 60% of 30 to 34 year olds had at least one child. Today, it's gone all the way down to 27% in about 30 years, that's fallen from 60% down to 27% this is not a resource problem. It's a values problem and an inflation problem, and also the tax code, values owning assets which older people have over labor, which younger people have. This is the crux of the war on the young and the war on those that don't own assets. You've got to wonder, is it even fixable? Some of it is, but no one really wants to fix inflation, and now they're lowering rates to open the door for even more of that widening that canyon, yes, the wave of inflation that started four to five years ago that broke down the middle class, and now it's set up to widen even more. I want to tell you what you can do about that shortly. But first, have you ever wondered, why do we even stratify upper, middle and lower class based on somebody's income? Why the income criterion, if you say that someone's upper class, everyone knows what that means. It means that you have a lot of wealth or income. But why is that the basis? Why do we classify it based on income? Well, it really started forming during the Industrial Revolution of the 1700s and 1800s that began in Great Britain. Before that, class distinctions were usually based on land ownership or nobility or occupation, for example, aristocrats versus peasants. But as industrial capitalism spread out of the UK, wages became the dominant way that people made a living. So tracking income, it sort of became this natural way to map out class. And then this notion spread in the 1800s and 1900s that was propelled through both economics and social science. You had thinkers like Karl Marx and Max Weber that were deeply concerned with class. Marx emphasized ownership of the means of production. You've probably heard that before, capitalists versus workers. But as societies modernized people in the world of both Economics and Psychology, they agreed that income was an easier dividing line than ownership alone. And then, starting last century, in the US, the 1900s income statistics, they became rather central in all of these policies that we make, like our tax system and poverty thresholds and qualifying for housing programs and even welfare benefits. See, they all rely on income bands. And over time, this normalized in our vernacular, these strata of upper middle and lower class sort of this income based shorthand that we use, throwing these terms around. So whether we like it or not, classes are based on your income level, and that's how it came into being. Well, with. A quick history lesson with the eroding of the middle class, with the war on the young. What can you actually do to make sure that you find yourself on the upper income side of it without falling to the lower side the lower class? Well, we know who the future financial losers are going to be. It is anyone not owning assets, and it's also savers clutching their dollars as those dollars quietly melt like ice cubes in July, right in their hand. Those are who the financial losers are going to be. Who are the winners going to be? It is asset owners riding the inflation wave, and the winners are also debtors who get to pay back tomorrow with cheaper dollars today, especially with that debt that you have outsourced to tenants. Here's the big takeaway, if you did not grab enough real assets during the last wave of inflation don't get left behind this time, because the longer you wait, the harder it is to jump aboard this moving train that keeps getting momentum and moving faster. The bottom line here is that at GRE we advocate for simply doing it all at once. Use debt to own real assets while inflation pushes up your rents. That's it, right. There it is. That's really the most concise way to orate the formula. Look in your mortgage loan documents. It does not say that you have to repay the mortgage loan in dollars or their equivalent. It only says you have to repay in dollars. That's your advantage. As dollars keep trending closer to worthless. To review what you've learned so far today, real estate is easier to understand and has more control than stocks. Housing has been in a recession, but there's more evidence that it is thawing, and a setup for more inflation has America poised to exacerbate the war on the young and widen the canyon between the haves and the have nots, and it threatens to get even wider as the middle class keeps vanishing and struggling.   Keith Weinhold  32:23   Now, if you like good free information, like with what I've been sharing with you today, and you find yourself doing a bit too much scrolling for quality written real estate and finance info. I mean, yeah, it can be a mess. It can be tough. If you want to get the good stuff, you hit paywalls and pop ups, and you get these push alerts and cookie banners. It's a little annoying. It's like the internet is playing defense against you. Not so fun, and that's why it matters to get good, clean, free content that actually adds no hype value to your life. This is the golden age of quality email newsletters. I've got one. I write every word of ours myself, and it's got a dash of humor, yet it's direct. And it gets to the point because, as I like to say, even the word abbreviation is too long. My letter takes less than three minutes to read, and it leaves you feeling sharp and in the know about real estate investing, this is the good stuff, the paradigm shifting material, the life changing material, you can get my letter free at gre letter.com Where else would you get the GRE letter? Greletter.com and along with the letter, you'll also get my one hour fast real estate video. Course, it's completely free as well, and it's not to try to upsell you to some paid course, there is no paid course, there's just nothing for sale, no strings attached, free value. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be simpler to get as you know, I often like to part ways with something actionable for you, visit gre letter.com while it's fresh in your head, take a moment to do it now one last time it's gre letter.com until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  34:24   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  34:52   The preceding program was brought to you by your home for wealth building. Get richeducation.com

Alright, buckle up buttercups! Ready to ditch the dumpster fires of traditional real estate and finally smell the roses? Scott Carson's servin' up a steaming hot plate of truth with 13 REASONS why you NEED to be knee-deep in mortgage notes. Forget rehab nightmares and tenant tantrums, we're talkin' passive income, baby!

On this episode of DFW Real Estate Weekly, Todd Tramonte, Courtney (“Full Price Courtney”), and Ian (“the Agitated AI”) share a rare dose of good news for homeowners, buyers, and sellers.Mortgage rates remain steady despite the Fed lowering rates. Fall 2025 is proving to be one of the strongest and most balanced markets in decades — great for buyers, sellers, and especially those doing both. Right now is a sweet spot because there is more inventory, fair pricing, motivated buyers/sellers, and strategic negotiation opportunities (like sellers paying down buyers' mortgage rates). Our team emphasizes tailored approaches — not one-size-fits-all — whether you're selling, buying, or both.We reflected on the Real Growth Summit, which combined business coaching, real estate training, and community impact — including sponsoring children worldwide and supporting small business owners. We are still flying high from this amazing event!Sweet Firefly, a beloved Richardson ice cream shop, joined us on the show this week!. Owner Angie and team member Peyton share the shop's origin story, its role as a neighborhood anchor, and why flavors like Sea Salt Caramel and Banana Pudding keep people coming back.Fall is Todd's favorite season for real estate and backyard living. It's also the best time to plant fruit trees and set yourself up for long-term success in your yard. Whether you're planning to buy, sell, or just enjoy your home, the current market offers unique opportunities. Pair that with local gems like Sweet Firefly, and it's a great time to love where you live in DFW.Text 214-310-0008 with your questions for the show!

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

Vlad rants about lying, being a part of the Career Culture, the best 90s snacks, whether loyalty is dead & whether Chat GPT is the new God. DNA DISTILLERY (AWARD WINNING RAKIJA)Award winning Rakija company with immaculate celebratory beverages. Check out the entire range on the below websites, order a tasting pack or some of their flagship, amazing rakija today! https://www.dnadistillery.comCARDSTRIKE! Amazing Basketball cards, Michael Jordan memorabilia and everything collectable sports card buying and selling!!!https://www.cardstrike.com.auMETROPOLITAN STONE (Kitchens, Cabinets, Laundry, All Cabinets)We have a combined 30 years experience in the cabinet making industry in Victoria! Everything from small projects to large projects!Benchtop change overs, Kitchen facilities, Kitchens, Laundries, Bathroom cabinets, T.V units, Wardrobes etc!MENTION: VLADContact: MATT 0425797488Matthew@metropolitanstone.com.auhttp://www.metropolitanstone.com.auORANGE LEGAL GROUP (Specialising in Property law for purchasing and selling, conveyancing, in-house Mortgage broker & Chartered Account! One stop shop for ALL property needs! Wrap! FREE Contract reviews for buyers before purchasing property!Mention VLAD!https://www.orangelegalgroup.com.auEmail: property@orangelegalgroup.com.auContact: mycousinvlad@gmail.comhttp://www.instagram.com/mycousinvladSend Vlad a Text MessageSupport the showBE GOODDO GOODGET GOOD

**Accunet Mortgage & Realty Show: Smart Money Moves and Market Updates**This week's episode breaks down why mortgage rates can move independently of Federal Reserve decisions – valuable insight for anyone timing a home purchase or refinance. The key takeaway: focus on your personal financial situation rather than trying to predict rate movements.The standout story involves a homeowner who discovered something brilliant: even though refinancing meant giving up a great rate, consolidating high-interest credit card debt into their mortgage saved them significant money monthly. The lesson? Always calculate your total debt picture, not just your mortgage rate in isolation.Another practical scenario shows how family members can successfully structure cash offers while still allowing adult children to qualify for financing. The process requires coordination between all parties and the lender, but it's completely doable with proper planning.The episode also covers an important credit topic: authorized user accounts can sometimes complicate mortgage approval. If you're planning to buy a home and you're an authorized user on someone else's credit card, discuss this with your lender early in the process.Local market update: Milwaukee continues to see strong price appreciation and limited inventory, making it crucial for buyers to get properly pre-approved before house hunting. For those considering refinancing, the window remains open for borrowers who can demonstrate clear financial benefits from the transaction.​​​​​​​​​​​​​​​​

We can definitively say it now: the buyer's market is here.  The housing market is cooling down, but the deals are heating up as a “mild” correction slows down hot markets and gives buyers even more power in cold ones. With it comes buying opportunities—ones that real estate investors have been starved of over the past few years. You can negotiate for more, offer less, and lock in a lower mortgage rate than last year. The question is: will this correction turn into a full-blown housing crash? Dave's giving you his honest (and data-backed) opinion in this September 2025 housing market update! Mortgage delinquencies are rising rapidly in one subset of the market, the crash-bro clickbaiters say it's a sign of a coming housing apocalypse—are they finally right about something? One thing is certain: a few housing markets across the US are in danger of slipping into an even more oversupplied market. But, with new data showing that sellers are quitting and walking away, will this reverse the worrying trend? Stick around, we've got your housing market update without the hype.  In This Episode We Cover The “mild” housing market correction: what it means and whether it'll become a crash  Updated home price predictions and how much prices will rise/fall by the end of the year  Signs that you can start confidently bidding under asking price (but by how much?) Why inventory is beginning to reverse (have sellers finally had enough?) Mortgage delinquencies are rising: who's affected and could it lead to foreclosures? What investors should do now to prepare to buy discounted deals (be patient!)  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1179 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

Welcome to another Rookie Reply, where Tony J Robinson and Ashley Kehr answer questions from the BiggerPockets Forums and Real Estate Rookie Facebook group. This time, we're covering questions like:  Would you rather have one property paid off worth 500k or maybe 600k in 5 leveraged properties?  Is House Hacking Still Viable Without Renting by the Room? Which Is Harder: Finding Deals or Getting Financing? Looking to invest? Need answers? Ask your question here! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/rookie-619 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

What if your mortgage worked like a checking account? What if every dollar you earned immediately reduced your interest charges? What if you could access your home's equity without getting a second loan or refinancing? Harrison George, the nation's top All-in-One loan producer, reveals a mortgage product that flips conventional wisdom on its head.Traditional mortgages trap your equity and front-load interest payments so heavily that at 5.625%, you pay 100% of your loan amount in interest alone. The All-in-One loan integrates your checking account with your mortgage, automatically sweeping deposits to reduce your daily interest calculations while maintaining full access to those funds. This isn't velocity banking with multiple accounts and complex strategies - it's velocity banking simplified into one product.Hans learns the mechanics in real-time while Brian shares his personal experience using the loan to buy property, pay insurance premiums, and access equity for investments. From SOFR-based adjustable rates that outperform fixed mortgages to qualification requirements and practical applications, this episode breaks down how the All-in-One loan can accelerate wealth building for disciplined borrowers ready to rethink everything they know about home financing.Chapters: 00:30 - Intro03:30 - Core philosophy 06:35 - Velocity banking overview and All-in-One simplification 09:40 - All-in-One mechanics: 80% LTV line of credit with integrated banking 17:10 - Debit card strategy and credit card optimization 18:55 - Property eligibility: primary, secondary, and investment properties 24:55 - Who this isn't for: lifestyle inflation and cash flow negative borrowers 26:20 - Psychological shifts: gamifying debt payoff and spending discipline 28:30 - Payment structure: no fixed payments, interest-only charges 30:15 - Emergency flexibility and foreclosure protection advantages 32:05 - Mental shifts and debt payoff gamification 34:50 - SOFR-based interest rates: monthly adjustments and margin selection 40:25 - Traditional mortgage front-loading and total interest percentages 42:00 - Harrison's philosophy on 30-year mortgages as entry tools 44:35 - Brian's IBC integration: using equity for premium payments 46:05 - Practical applications: cars, college, rental properties 1:00:25 - All-in-One loan simulator walkthrough at allinoneloan.com 1:09:10 - Future case study possibilities and closing thoughtsKey Takeaways:All-in-One Loan Mechanics:Functions as checking account integrated with mortgage - every deposit immediately reduces interest charges80% loan-to-value maximum with no traditional monthly payments, only monthly interest chargesSOFR-based rates with 2.5% to 4% margin selection (currently 6.4% to 8.3% range)700+ credit score for primary/second homes, 720+ for investment propertiesMinimum 20-25% down payment depending on property type10-15% reserves of line of credit amount in liquid assetsPositive monthly cash flow of at least 15% of net incomeProvides control and flexibility unavailable in traditional mortgagesEnables strategic use of home equity for wealth-building activitiesGot Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar!Visit https://remnantfinance.com for more informationHarrison George Contact: Email: harrison@cmgfi.com Phone: (925) 785-6828 All-in-One Loan Calculator: https://allinoneloan.comFOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile.id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE

On this Ask Suze & KT Anything episode, KT asks Suze your questions about funding your trust, the Must-Have Docs, Roths, and so much more. Watch Suze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbH CLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

Today we are answering questions from our residents in the audience. We discuss saving vs investing, buying houses, physician loans, and Roth IRAs. Then we interview a recent graduate about to start his first job as an attending, and he walks us through his financial life to this point. If you want to learn how to do it right, you'll want to take notes. Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter 00:00 WCI Podcast #438 02:14 Invest vs. Pay Down Debt 10:14 Mortgage as a New Resident 14:06 Roth IRA as a Resident 16:24 Interview with a Resident

Our Co-Head of Securitized Products Research James Egan joins our Chief Economic Strategist Ellen Zentner to discuss the recent challenges facing the U.S. housing market, and the path forward for home buyers and investors. Read more insights from Morgan Stanley.----- Transcript ----- James Egan: Welcome to Thoughts on the Market. I'm James Egan, U.S. Housing Strategist and Co-Head of Securitized Products Research for Morgan Stanley. Ellen Zentner: And I'm Ellen Zentner, Chief Economic Strategist and Global Head of Thematic and Macro Investing at Morgan Stanley Wealth Management. James Egan: And today we dive into a topic that touches nearly every American household, quite literally. The future of the U.S. housing market. It's Thursday, September 25th at 10am in New York. So, Ellen, this conversation couldn't be timelier. Last week, the Fed cut interest rates by 25 basis points, and our chief U.S. Economist, Mike Gapen expects three more consecutive 25 basis point cuts through January of next year. And that's going to be followed by two more 25 basis point cuts in April and July. But mortgage rates, they're not tied to fed funds. So even if we do get 6.25 bps cuts by the end of 2026, that in and of itself we don't think is going to be sufficient to bring down mortgage rates, though other factors could get us there.Taking all that into account, the U.S. housing market appears to be a little stuck. The big question on investors' minds is – what's next for housing and what does that mean for the broader economy? Ellen Zentner: Well, I don't like the word stuck. There's no churn in the housing market. We want to see things moving and shaking. We want to see sellers out there. We want to see buyers out there. And we've got a lot of buyers – or would be buyers, right? But not a lot of sellers. And, you know, the economy does well when things are moving and shaking because there's a lot of home related spending that goes on when we're selling and buying homes. And so that helps boost consumer spending. Housing is also a really interest rate sensitive sector, so you know, I like to say as goes housing, so goes the business cycle. And so, you don't want to think that housing is sort of on the downhill slide or heading toward a downturn [be]cause it would mean that the entire economy is headed toward a downturn. So, we want to see housing improve here. We want to see it thaw out. I don't like, again, the word stuck, you know. I want to see some more churn. James Egan: As do we, and one of the reasons that I wanted to talk to you today is that you are observing all of these pressures on the U.S. housing market from your perspective in wealth management. And that means your job is to advise retail clients who sometimes can have a longer investment time horizon. So, Ellen, when you look at the next decade, how do you estimate the need for new housing units in the United States and what happens if we fall short of these estimated targets? Ellen Zentner: Yeah, so we always like to say demographics makes the world go round and especially it makes the housing market go round. And we know that if you just look at demographic drivers in the U.S. Of those young millennials and Gen Z that are aging into their first time home buying years – whether they're able to immediately or at some point purchase a home – they will want to buy homes. And if they can't afford the homes, then they will want to maybe rent those single-family homes. But either way, if you're just looking at the sheer need for housing in any way, shape, or form that it comes, we're going to need about 18 million units to meet all of that demand through 2030. And so, when I'm talking with our clients on the wealth management side, it's – Okay, short term here or over the next couple of years, there is a housing cycle. And affordability is creating pressures there. But if we look out beyond that, there are opportunities because of the demographic drivers – single family rentals, multi-family. We think modular housing can be something big here, as well. All of those solutions that can help everyone get into a home that wants to be. James Egan: Now, you hit on something there that I think is really important, kind of the implications of affordability challenges. One of the things that we've been seeing is it's been driving a shift toward rentership over ownership. How does that specific trend affect economic multipliers and long-term wealth creation? Ellen Zentner: In terms of whether you're going to buy a single-family home or you're going to rent a single-family home, it tends to be more square footage and there's more spending that goes on with it. But, of course, then relatively speaking, if you're buying that single family home versus renting, you're also going to probably spend a lot more time and care on that home while you're there, which means more money into the economy. In terms of wealth creation, we'd love to get the single-family home ownership rate as high as possible. It's the key way that households build intergenerational wealth. And the average American, or the average household has four times the wealth in their home than they do in the stock market. And so that's why it's very important that we've always created wealth that way through housing; and we want people to own, and they want to own. And that's good news. James Egan: These affordability challenges. Another thing that you've been highlighting is that they've led to an internal migration trend. People moving from high cost to lower cost metro areas. How is this playing out and what are the economic consequences of this migration? Ellen Zentner: Well, I think, first of all, I think to the wonderful work that Mark Schmidt does on the Munis team at MS and Co. It matters a great deal, ownership rates in various regions because it can tell you something about the health of the metropolitan area where they are. Buying those homes and paying those property taxes. It can create imbalances across the U.S. where you've got excess supply maybe in some areas, but very tight housing supply in others. And eventually to balance that out, you might even have some people that, say, post-COVID or during COVID moved to some parts of the country that have now become very expensive. And so, they leave those places and then go back to either try another locale or back to the locale they had moved from. So, understanding those flows within the U.S. can help communities understand the needs of their community, the costs associated with filling those needs, and also associated revenues that might be coming in. So, Jim, I mentioned a couple of times here about single family renting, and so from your perch, given that growing number of single-family rentals, how is that going to influence housing strategy and pricing? James Egan: It is certainly another piece of the puzzle when we look at like single family home ownership, multi-unit rentership, multi-unit home ownership, and then single family rentership. Over the past 15 years, this has been the fastest growing way in which kind of U.S. households exist. And when we take a step back looking at the housing market more holistically – something you hit on earlier – supply has been low, and that's played a key role in keeping prices high and affordability under pressure. On top of that, credit availability has been constrained. It's one of the pillars that we use when evaluating home prices and housing activity that we do think gets overlooked. And so even if you can find a home to buy in these tight inventory environments, it's pretty difficult to qualify for a mortgage. Those lending standards have been tight, that's pushed the home ownership rate down to 65 percent. Now, it was a little bit lower than this, after the Great Financial Crisis, but prior to that point, this is the lowest that home ownership rates have been since 1995. And so, we do think that single family rentership, it becomes another outlet and will continue to be an important pillar for the U.S. housing market on a go forward basis. So, the economic implications of that, that you highlighted earlier, we think that's going to continue to be something that we're living with – pun only half intended – in the U.S. housing market. Ellen Zentner: Only half intended. But let me take you back to something that you said at the beginning of the podcast. And you talked about Gapen's expectation for rate cuts and that that's going to bring fed funds rate down. Those are interest rates, though that don't impact mortgage rates. So how do mortgage rates price? And then, how do you see those persistently higher mortgage rates continuing to weigh on affordability. Or, I guess, really, what we all want to know is – when are mortgage rates going to get to a point where housing does become affordable again? James Egan: In our prior podcast, my Co-Head of Securitized Products Research, Jay Bacow and myself talked about how cutting fed funds wasn't necessarily sufficient to bring down mortgage rates. But the other piece of this is going to be how much lower do mortgage rates need to go? And one of the things we highlighted there, a data point that we do think is important. Mortgage rates have come down recently, right? Like we're at our lowest point of the year, but the effective rate on the outstanding market is still below 4.25 percent. Mortgage rates are still above 6.25 percent, so the market's 200 basis points out of the money. One of the things that we've been trying to do, looking at changes to affordability historically. What we think you really need to see a sustainable growth in housing activity is about a 10 percent improvement in affordability. How do we get there? It's about a 5.5 percent mortgage rate as opposed to the 6 1/8th to 6.25 where we were when we walked into this recording studio today. We think there will be a little bit response to the move in mortgage rates we've already seen. Again, it's the lowest that rates have been this year, and there have been some… Ellen Zentner: Are those fence sitters; what we call fence sitters? People that say, ‘Oh gosh, it's coming down. Let me go ahead and jump in here.' James Egan: Absolutely. We'll see some of that. And then from just other parts of the housing infrastructure, we'll see refinance rates pick up, right? Like there are borrowers who've seen originations over the course of the past couple years whose rates are higher than this. Morgan Stanley actually publishes a truly refinanceable index that measures what percentage of the housing market has at least a 25 basis point incentive to refinance. Housing market holistically after this move? 17 percent? Mortgages originated in the last two years, 61 percent of them have that incentive. So, I think you'll see a little bit more purchase activity. Again, we need to get to 5.5 percent for us to believe that will be sustainable. But you'll also see some refinance activity as well, right? Ellen Zentner: Right, it doesn't mean you get absolutely nothing and then all of a sudden the spigot opens when you get to 5.5 percent. Anecdotal evidence, I have a 2.7 percent 30-year mortgage and I've told my husband, I'm going to die in this apartment. I'm not moving anywhere. So, I'm part of the problem, Jim. James Egan: Well, congratulations to you on the mortgage… Ellen Zentner: Thank you. I wasn't trying to brag, But yes, it feels like, you know, your point on perspective folks that are younger buyers, you know, are looking at the prevailing mortgage rate right now and saying, ‘My gosh, that's really high.' But some of us that have been around for a lot longer are saying, ‘Really, this is fine.' But it's all relative speaking. James Egan: When you have over 60 percent of the mortgage market that has a rate below 4.5 percent, below 4 percent, yes, on a long-term basis, mortgage rates don't look particularly high. They're very high relative to the past 15 years, and to your point on a 2.7 percent mortgage rate, there's no incentive for you... Or there's limited incentive for you to sell that home, pay off that 2.7 percent mortgage rate, buy a new home at higher prices, at a much higher mortgage rate. That has – I know you don't like the word stuck – but it has been what's gotten this housing market kind of mired in its current situation. Price is very protective. Activity pretty low. Ellen Zentner: Jim, we've been talking about all the affordability issues and so let's set mortgage rates aside and talk about policy proposals. Are there specific policies that could also help on the affordability front? James Egan: So, there's a number of things that we get questions about on a pretty regular basis. Things like GSE reform, first time home buyer tax credits, things that could potentially spur supply. And look, the devil is in the details here. My colleague, Jay Bacow, has done a lot of work on GSE reform and what we're really focusing on there is the nature of the guarantee as well as the future of regulation and capital charges. For instance, U.S. banks own approximately one-third of the agency mortgage-backed securities market. Any changes to regulatory capital as a result of GSE reform, that could have implications for their demand, and that's going to have implications on mortgage rates, right? First time home buyer tax credits. We have seen those before – the spring of 2008 to 2010, and if we use that as a case study, we did see a temporary rise in home sales and a pause in the pace with which home prices were falling. But the effects there were temporary. Sales and prices wouldn't hit their post housing crisis lows until after those programs expired. Ellen Zentner: Right. So, you were incentivized to buy the house. You get the credit; you buy the house. But then unbeknownst to any economist out there, housing valuations continued to fall. James Egan: You could argue that it maybe pulled some demand forward. And so, you saw a lot of it concentrated and then the absence of that demand afterwards. And then on the supply side, there are a number of different programs we have touched on, some of them in these podcasts in the past. And then some of those questions become what needs to go through Congress, what is more kind of local municipality versus federal government. But look, the devil's in the details. It's an incredibly interesting housing market. Probably one that's going to be the source of many podcasts to come. So, Ellen, given all these challenges facing the U.S. housing market. Where do you see the biggest opportunities for retail investors? Ellen Zentner: So, in our recent note Housing in the Next Decade, we took a look at single family renting; you and I have talked about how that's likely to still be in favor for some time. REITs with exposure to select U.S. rental markets; what about senior housing? That is something that you've done deep research on, as well. Senior and affordable housing providers, home construction and materials companies. What about building more sustainable homes with a good deal of the climate change that we're seeing. And financial technology firms that offer flexible financing solutions. So, these are some of the things that we think could be in play as we think about housing over the long term. James Egan: Ellen, thank you for all your insights. It's been a pleasure to have you on the podcast. And I guess there's a key takeaway for investors here. Housing isn't just about where we live, it's about where the economy is headed. Ellen Zentner: Exactly. Always a pleasure to be on the show. Thanks, Jim. James Egan: And thanks for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today.

Click Here for the Show Notes In this episode, we explore a common question from a real estate investor nearing retirement: Does it make sense to use home equity to purchase turnkey rental properties with a larger down payment and a shorter mortgage term? We break down the numbers across different financing scenarios—20% vs. 40% down, 15-year vs. 30-year mortgages—and how each impacts monthly cash flow, cash-on-cash return, and long-term wealth building. Whether you're investing for income, growth, or legacy, this episode will help you align your strategy with your financial goals.

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