Podcasts about refi

The economy was designed to serve life. At some point, it forgot. This article traces how that happened - through colonial extraction, currency manipulation, and centuries of treating the Earth as an inexhaustible resource - and more importantly, what is already being built in its place. It is also worth naming what is being built against it. Central Bank Digital Currencies (CBDC), digital identity systems, and the broader technocratic agenda advancing through institutions like the World Economic Forum represent a competing vision of the future - one where economic participation is surveilled, programmable, and ultimately controlled by the few. That is not a regenerative economy. It is the extractive economy in a new interface. The regenerative economy moves in the opposite direction: toward decentralization, sovereignty, reciprocity, and life. From Time Banks in New York to community currencies in Ecuador to worker cooperatives in Spain, it is not a future vision. It is a present reality, waiting to be joined. And while blockchain and regenerative finance are real and important parts of this picture, the regenerative economy is bigger than any single technology. It is a whole-systems redesign - cultural, spiritual, and practical - of how human beings relate to value, to each other, and to all living beings on Earth.A System Feature | Designed to ExtractA president steps up to the podium in Manila, praising the economic progress their country has fulfilled after, what many of us call “ the plandemic”. Outside the auditorium, a young mother carries her child on her hip, knocking on car windows at a red light, eyes down, asking for alms. The applause inside the hall doesn't reach her. It never does.The president says the currency has strengthened. That prices are coming down. Meanwhile, across the city, a farmer named Rodrigo is standing in the field he has worked for thirty years, calculating whether this harvest will cover the loan he took out before the last typhoon swept his crop away. It didn't. This is not an exception to the economic system. It is a feature of it. A reflection of a culture that does not care about those actually in need.Many nations measure their health through GDP - Gross Domestic Product - which essentially dictates whether or not an economy is “progressing.” It runs under one quiet assumption: that the Earth will keep giving. Indefinitely. Without asking anything in return. That before the calculations around supply, demand, and the balance of everything else, all the raw materials are already ideally supplied.The Earth is answering. Typhoons that once came once a generation now arrive like clockwork. Harvests that fed communities for centuries are failing across the Andes, the Sahel, the Mekong delta. The seasons that indigenous peoples read as living calendars have become erratic, unreliable, grieving. None of this is random. It is a response - accurate and proportional - to an economy built on the assumption that extraction has no cost.If we were truly “abundant” financially, we would not have billions of people at risk of starvation, homelessness, and other manifestations of neglect and poverty. The economy was supposed to serve all life. It has forgotten this. And in forgetting it, it has begun to abandon human life itself.The Story We InheritedMoney was supposed to be a promissory note for the gold reserves one actually held. The paper was a symbol - pointing at something real, something held in a vault somewhere, something that could be touched.Then the notes began circulating. And the longer they circulated, the more people forgot what they were pointing to. Eventually, the circulation gave rise to the idea of turning the notes into currency itself. The symbol became the standard. It became backed not by gold, but by story - a story so strong, so repeated, so programmed into every transaction of daily life, that we began to mistake it for the truth.We placed a middleman between ourselves and our needs. And somewhere along the way, we forgot we had done it. Perhaps, by design. Here is what the story never tells you: the gold itself did not arrive innocently.In 1302, Pope Boniface VIII issued Unam Sanctam, declaring papal authority supreme over all earthly power - making the Earth itself, philosophically, ownable. A century and a half later, that claim became economic policy. Dum Diversas (1452) authorized the enslavement of non-Christians across the globe. Romanus Pontifex (1455) granted Portugal the right to colonize and extract across Africa and the New World. Inter Caetera (1493) extended the same to Spain and the Americas.These were the founding economic legislation of the extractive world we live in - all cloaked in religious language.What followed was centuries of forced extraction. Economists Flynn and Giráldez have documented that colonial American silver - mined through indigenous forced labor in Potosí and across Peru and Mexico - became the standard monetary foundation of early global trade. The gold in the vault was never simply there. It was coercively taken.And then, on August 15, 1971, even that material trace was erased. President Nixon closed the gold window, ending the Bretton Woods system and severing the dollar's convertibility to gold. According to the Federal Reserve's own record, the international community was not consulted. From that moment, currency was backed by nothing but the authority of the government printing it.Knowing that we wrote ourselves into this story, we are now remembering that we can write ourselves out of it. Not only by writing new stories, but by reconnecting with stories that existed long before our current economic situation - stories that are still alive, still practiced, still remembered by the communities that never abandoned them.What Has Always WorkedBefore the conquest of certain nations to centralize power into their hands, other societies practiced more communal and regenerative ways of exchanging value. To them, considering other people and the Earth itself was not an ethical add-on. It was integral to the flourishing of their economies.Pre-colonial PhilippinesLong before the Spaniards arrived, the Philippine archipelago was a major hub in the maritime Silk Road - one of Asia's most active trade networks. Communities exchanged with Chinese, Japanese, Arab, and Indian traders at coastal ports and river settlements.The archipelagic geography made it impossible to consolidate wealth in any single place. Different tribes like the Maranao exchanged surplus agricultural produce, textiles, metalware, and forest products through robust barter systems built on kinship ties and alliances among polities. Value moved between two people who chose to relate. No middleman. Mutual trust was the economic infrastructure.Andean PeoplesThe Quechua people organized their economy around a relational foundation that lives in the language itself. Ayni - sacred reciprocity. Minka - collective community work. Randi-Randi - generalized reciprocity, the understanding that what circulates returns. All three connect to the broader principle of Sumak Kawsay: good living in right relationship with community, land, and the living world.Sumak Kawsay does not separate prosperity from the wellbeing of ecosystems. It understands them as one thing. This recognition runs so deep that Ecuador enshrined it as the central guiding principle for its national development in its 2008 constitution - the living legal inheritance of an ancient economy that knew how to stay.Haudenosaunee in North AmericaIn their 1981 formal statement to the United Nations, the Haudenosaunee Council of Chiefs articulated what their communities had practiced for centuries: that the earth was created for all to use, forever - not for the present generation to exhaust. Under their law, land is held by the women of each clan, who farm and care for it for the benefit of future generations.The Haudenosaunee saw land as a responsibility to be stewarded in trust. Anthropologist Kurt Jordan from Cornell University documented their economic practices and described them as “a reasonably sustainable, localized economy” even under intense external pressure. They had embodied communal stewardship long before theories about such things were written down.Southern Africa“I am because we are.”This is Ubuntu - the philosophy at the core of both social and economic life across Southern Africa. Communities in South Africa and Mozambique relied on mutual aid networks, intergenerational knowledge systems, and participatory rituals as practical economic infrastructure. These systems enhanced community cohesion and collective resilience precisely in the moments when extractive economies failed them. They understood, bone-deep, that no human being thrives in isolation.Diversity of Regen Economic SystemsMany communities across continents are actively rebuilding economic systems beyond the extractive model. The following are not theoretical. They are actively running. Hence, the more diversity of economic systems each person and community practices, the more abundant, unbreakable and independent we are from degenerative systems from governments and corporations that want to control it all. The Commons FoundationOne body of research forms the intellectual foundation for nearly all of them: the life's work of Elinor Ostrom, the first woman to receive the Nobel Prize in Economics. Ostrom spent decades documenting over 800 cases of communities successfully governing shared resources - in Switzerland, Kenya, Guatemala, Nepal, and beyond - without either privatization or state control.Her conclusion was simple and radical: communities do not inevitably destroy what they share. Given the right institutional design, they protect it and pass this duty to the next generation. And her eight design principles for successful commons governance - the framework that emerged from all that fieldwork - describe, as she herself acknowledged, the same governance systems that indigenous communities had been practicing for centuries.Her work is not a new idea. It is a confirmation of ancient ones.Regenerative Economics | Beyond ReFi - The Whole-Systems VisionWhen most people first encounter the term “regenerative economy,” they arrive through crypto. Through ReFi - regenerative finance - and the promise of blockchain as a tool for funding ecological restoration, decentralizing power, and making impact transparent. These are real contributions. They matter.But John Fullerton, founder of the Capital Institute and one of the most rigorous thinkers in this field, spent two decades on Wall Street before arriving at a different and more fundamental question: what if the entire framework of modern finance is running in conflict with how life actually works?Fullerton's work focuses on building an economic framework that supports the long-term health of people, communities, and the planet - not by tweaking the existing system, but by replacing its underlying logic. His core argument is that we are running our society in conflict with the patterns and principles that explain how life works.His answer is what he calls regenerative economics: eight principles drawn from living systems science that describe how healthy economies - like healthy ecosystems - actually function. Diversity. Balance. Circular flow. Robust circulation. Surplus financial capital, in his framework, needs to be recycled and regenerated into other forms of capital - natural, social, and cultural. Not hoarded nor extracted. Composted back into the living system that produced it.ReFi, in Fullerton's framing, is one tool within this larger architecture. Blockchain can decentralize power. Tokenized nature credits can make ecological value legible to markets. Community currencies can circulate value locally. But the technology is only as regenerative as the values underneath it. A crypto project built on extraction logic is still extraction, regardless of the chain it runs on.Regenerative economy is not a financial product. It is a civilizational shift - in how we measure wealth, in what we decide to protect, in whose voices count when decisions are made. ReFi is welcome in that shift. It is one current in a much larger river.Time BanksIn Jackson Heights, Queens, a retired nurse named Gloria hasn't touched the formal economy in months for the things that matter most to her. She spends three hours teaching English to a recent immigrant. Those hours become credits. She spends them on home repairs from a neighbor who knows carpentry. He spends his credits on childcare. The loop keeps moving.This is a Time Bank - a community exchange system built on one radical premise: everyone's time is worth the same. One hour of legal advice equals one hour of gardening equals one hour of emotional support. The hierarchy of market wages disappears. What remains is a web of people who need each other.Edgar Cahn, who developed Time Banking in the 1980s after surviving a near-fatal heart attack, called it “co-production” - the idea that the economy needs what the market can never price: care, community, civic participation, the work of raising children and holding elders. Time Banks make that invisible labor visible, and circulate it back into the community that produced it.Today there are over 500 Time Banks operating in more than 30 countries. Some have formalized into neighborhood institutions. Others run through apps. All of them rest on the same foundation the Quechua called Ayni - sacred reciprocity - translated into the language of modern urban life.Mondragon CorporationThe Mondragon Corporation in Spain's Basque region remains the most studied proof that democratic ownership functions at scale. Founded by six worker-owners in 1956, it now comprises 96 cooperatives employing over 70,000 people, with annual revenues exceeding €11 billion. Workers own the company collectively, vote on strategy at general assemblies, and operate under a constitutionally capped pay ratio of 6-to-1 between the highest and lowest earners.Traditional Dream FactoryIn a 25-hectare village in Alentejo, Portugal, Traditional Dream Factory is a living prototype of the self-sustaining regenerative community - blending collective ownership, ecological restoration, intentional community, and decentralized economy in one working place. They have raised over €1.25 million in total capital across 280+ token holders. Their 2026 build phase is completing co-living rooms, artist studios, a farm-to-table restaurant, a mushroom farm, and a biopool wellness space.AtreyuInvestment, as most of us have encountered it, prioritizes short-term financial returns above all else. Atreyu challenges this at the root by approaching investment through living systems principles and deep relational due diligence. They support their investees to ensure that both the enterprises and the ecosystems they steward realize their potential - together. They focus on early-stage businesses and actively encourage steward-ownership models that enshrine self-governance and purpose orientation.Muyu CoinOne of the first social coins in South America, Based in Ecuador - Muyu serves as an alternative exchange system rooted in community trust and an understanding of sacred economy. It protects the sovereignty of communities in their production, distribution, exchange, consumption, and post-consumption - keeping the loop of value inside the community rather than extracting it outward. It uses Cyclos, an enchrypted platform, a base.It first did an attempt to start in 2015, but not many people showed interest. It then came back very strong in 2020, due to the “plandemic”. People felt the need to have alternative ways to transact that was not controlled by limiting governments. Giving communities complete independence. Currently with over 150+ members who are exchanging goods and services in different nodes throughout the country. From food produce, clothing and art -to- car mechanic, dentists and school teachers serving to the community.Grassroots EconomicsFounded in Kenya, Grassroots Economics supports communities in building their own self-sustaining economies - even when national currency is scarce - through a model called Commitment Pooling.Consider Wanjiru, a vegetable seller in Mombasa's Bangla Pesa network. During a slow week when Kenyan shillings are tight, she issues a Community Asset Voucher - a commitment to provide vegetables - and deposits it into a communal pool. Her neighbor, a carpenter named Kamau, redeems it. He offers his own labor in return. The loop closes. Food reaches a family that needed it. A roof gets repaired. No national currency changes hands.This is not a workaround. It is a return to how value was always supposed to move.Since Grassroots Economics was established in 2010, they have supported 26,600 people across 290+ communities, issuing over 2,140 vouchers. Their protocol is inspired by indigenous Rotational Labor Associations similar to Kenya's mwethya and harambee traditions. It is open-source and blockchain-agnostic - meaning any community, anywhere, can deploy it.The Choice in Front of UsThese regenerative endeavors share one answer to the core assumption of the extractive economy: the economy does not need to extract in order to function. Value can circulate and regenerate rather than accumulate. Ecological health, community resilience, and the wellbeing of the next generations are not costs to minimize - they are the actual metrics that demonstrate economic success.The question is no longer whether it is possible. It is happening. The question is whether enough of us choose to participate in building it, and whether we remember our roles as stewards of the Earth that has always sustained us.We get to choose the future we want for ourselves, our children, and the seven generations that come after.Your Role in the Regenerative EconomyReading this is already a kind of remembering. The question that follows is simple: where do you begin?The regenerative economy is not waiting to be invented. It is waiting to be joined. Every one of the models described here started with a small group of people who decided to practice a different relationship with value - before it was proven, before it was popular, before it was funded.Here are real entry points, available now:Start with your immediate circle. Identify three skills or resources you have in excess - time, knowledge, food from a garden, tools sitting unused. Offer them. Ask for what you need in return. This is Ayni. It requires no platform, no signup, no permission.Relocalize your spending. Every dollar (fiat currency) that circulates inside a local economy multiplies its impact without leaving the community. Farmers markets, community-supported agriculture, local cooperatives, regenerative small businesses - these are not lifestyle choices. They are votes for a different system, cast weekly.Find or start a Time Bank in your area. hOurworld.org and TimeBanks.org maintain active directories. If nothing exists near you, starting one requires little more than a spreadsheet and a Telegram/Whatsapp group.Join a community working on this. It can be our Regenerative Leadership Community from www.regenerativeculture.life is one place. There are others - transition towns, ecovillages, commons networks - in most regions of the world. Find your people. The regenerative economy is, at its root, a relationship economy. It does not work alone.Learn the language. Permaculture design, commons governance, cooperative economics, sacred reciprocity - these are not abstract concepts. They are practical skills with deep traditions behind them. The more fluent you become, the more useful you are to the communities building this.The scale of what needs to change can feel paralyzing. It is not meant to. The models described in this article did not begin at scale. Mondragon began with six people. Grassroots Economics began in one neighborhood in Mombasa. The Quechua did not design Ayni for a movement - they designed it for a harvest.Start where you are. With what you have. With whoever is near you. That has always been enough to begin. It's not easy, but it is possible.Written by Gertie Farenas and Yoshi Pantera - 90% by us humans and 10% AI assisted.This Audio is recorded by a true voice - Yoshi PanteraThis article is part of the Regenerative Culture Chronicle - a publication exploring the ideas, practices, and communities building a world that benefits all life.Learn more at RegenerativeCulture.LifeThanks for reading Regenerative Culture Chronicle! This post is public so feel free to share it.Regenerative Culture Chronicle is a reader-supported publication. To receive new posts and support our work, consider becoming a free or paid subscriber. Thank you! Get full access to Regenerative Culture Chronicle at regenerativecultureworld.substack.com/subscribe

Welcome to another episode of The AZREIA Show! In this solo episode, Michael Del Prete, Executive Director of the Arizona Real Estate Investors Association, reflects on a powerful chapter from his book Fearless Connections and shares how real estate success is built far more on relationships than marketing tactics. He walks through a memorable 2012 wholesale deal in Phoenix's Pearson Historic District, where a distressed property with a squatter and a $5,000 asking price turned into a defining lesson in collaboration, trust, and long-term wealth building. What began as a simple assignment deal evolved into a creative partnership when investor Dennis stepped in to renovate, rent, refinance, and structure the project using other people's money. In the process, Michael still received his assignment fee while also earning 25% ownership in the deal, revealing how the right relationships can expand opportunity far beyond a single transaction and create outcomes that no solo effort could achieve. Throughout the episode, Michael emphasizes the fundamentals that actually drive success in real estate: showing up consistently, building genuine relationships, networking with intention, learning from mentors and peers, and never underestimating the people you meet along the way. He also introduces his philosophy of "living life in thirds," where growth comes from learning from those ahead of you, building alongside your peers, and giving back to those just starting out, reminding investors that lasting success is built through connection, trust, and consistency. 00:00 Welcome to AZREIA Show 01:22 Why Relationships Win 02:02 Survival Mode Wholesaling 03:36 The Craigslist House Lead 06:53 Meeting Dennis at AZREIA 08:03 From Fee to Ownership 10:18 Refi and OPM Lesson 12:16 Living Life in Thirds 14:26 Negotiation Calm Mindset 16:37 Show Up and Network 18:28 Panera Game Six Plex Deal 19:36 Reconnect and Give First 20:28 Events and Final Wrap -- Contact Alden of Silver Crest Opportunity Fund at http://silvercrestopportunityfund.com "AZREIA does not endorse specific investments. Please do your own due diligence." Want to grow your real estate business?

Core ConceptThe tax code favors real estate investors by designPost‑1986 tax rules intentionally incentivize buying, improving, and holding real estate because it creates jobs, economic activity, and a stronger tax base.Wealthy investors often invest in deals primarily for tax benefits, not just for cash flow.Most investors use a basic, suboptimal “W‑2 style” approachCollect rent → deduct expenses → pay tax on what's left (Schedule E).Use straight‑line depreciation (27.5 years residential, 39 years commercial).Occasionally do a 1031 exchange, but still eventually pay large capital gains and recapture.This leaves a lot of tax advantage on the table.Four key tax pillars for real estate investorsDepreciation (Pillar 1)Non‑cash “paper loss” that offsets real income.Only the building and improvements depreciate, not land.Example: $1M commercial building straight‑line over 39 years ≈ $25k+/year in deductions.Cost Segregation (Pillar 2)Engineering study separates components (HVAC, finishes, site work) into 5/7/15‑year schedules instead of 39‑year.Enables accelerated and bonus depreciation—much larger deductions in early years.Example: $1M building can create $200k–$300k+ in year‑one deductions vs. ~$25k with straight‑line.Tyler's example: $485k office → about $120k year‑one depreciation using cost seg.1031 Exchanges (Pillar 3)Sell a property, roll proceeds into like‑kind real estate, and defer capital gains + depreciation recapture.Must:Identify replacement within 45 days.Close within 180 days.Use a Qualified Intermediary.Allows a multi‑deal compounding engine: keep equity working, reset depreciation on each new asset.Example: Land bought at $618k, sold for $1.575M (~$900k gain). 1031 avoided $200k+ in taxes and rolled all equity into a new, cash‑flowing deal.Borrowing Against Appreciation (Pillar 4)Use cash‑out refis to pull equity tax‑free (loan proceeds ≠ taxable income).Keep the asset, keep the income, access liquidity, and avoid triggering capital gains.Over time, combined with 1031s, this supports long‑term wealth building and legacy planning.Generational wealth & step‑up in basisIf an investor 1031s repeatedly and has large embedded gains, when they die, heirs get a stepped‑up basis.Result: decades of capital gains can be effectively erased for heirs (no capital gains tax on prior appreciation at death).Strategic takeaway: You need the right tax teamA real estate‑focused CPA/tax strategist is critical—many general CPAs:Don't suggest cost seg.Misunderstand when/why to use it.Tax planning should be proactive and strategic, not just end‑of‑year compliance.Practical investor playbook (how his partner paid ~$0 on $1M+ net income)Stack all four pillars:Ongoing depreciation.Cost seg + bonus depreciation to load losses early.Use 1031 exchanges to keep equity compounding and reset depreciation.Refi to pull cash out tax‑free instead of selling.Result: very high income, minimal federal income tax, fully within the tax code.

If you're going through a divorce, separation, or property split and trying to figure out what happens to the house, this episode breaks it down in plain English. We're talking about equity buyouts, how one person may be able to stay in the home, and why that doesn't always mean a traditional cash-out refinance. In this episode, we unpack the difference between ownership, mortgage liability, and equity payout… because those are three separate issues, and mixing them up is where expensive mistakes happen. We also cover when a mortgage assumption may come into play, why signing over the title does not automatically remove someone from the loan, and how to think through the options before replacing a low-rate mortgage. If you've heard “just refinance and buy them out,” this episode shows there may be more to the story. Clear, practical, and built to help you make smarter housing decisions when the stakes are high. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Kia ora. Welcome to Thursday's Economy Watch where we follow the economic events and trends that affect Aotearoa/New Zealand. I'm David Chaston and this is the international edition from Interest.co.nz. Today we lead with news Trump is about to make a national address (9pm NZT) where he is expected to claim Iran wants a ceasefire (which Iran immediately said was false). Many expect he will pull the US out of NATO as well (although Congress would have to agree for that to be effective). Despite the unhinged nature of it all, markets cheered the likely end of the pointless war he started. Separately, on Saturday we will get the March US non-farm payrolls data which is expected to show a +60,000 gain. The ADP version of private sector employment was out today for March and that showed a similar modest rise (+62,000). But we should also note that February official data for private sector hiring revealed a record low rate. US mortgage applications fell sharply again last week, down a further -10.5% for a third consecutive big drop, which is unprecedented. Refi fell the hardest but new purchase activity was down sharply too. Rising interest rates continue there. The widely-watched ISM factory PMI was little-changed in March from February with the same modest expansion recorded, as signaled in the alternate globally-benchmarked S&PGlobal version. The New Orders Index indicated slower growth compared to the previous month with new export orders actually in contraction. Both observed soaring inflationary pressures, back to pandemic levels. US retail sales rose in February by +3.7% above the year-ago level. This month car sales led the increase. That is a real gain given that February CPI inflation ran at 2.4%. In Canada their March factory PMI shows no growth, no decline. The China S&P Global PMI expanded again, showing growth of output and new orders were maintained in March. But suppliers' delivery times lengthen the most since December 2022. And they also recorded their strongest inflationary pressures, since March 2022. Again, their PMI was slightly more upbeat than the official version. Japan, Taiwan and Malaysia all recorded modest to good factory expansions in March in their respective factory PMIs, and all recorded higher inflation pressures. Interestingly, the Bank of Japan's Tankan survey of businesses there for Q1-2026 shows little negative impact from the current geopolitical situation. Those firms surveyed remain quite upbeat. In Europe, their eurozone factory PMI also expanded, and at a 45-month high. But the inflationary pressures were also very evident in their report. In Australia, yesterday's national address by Prime Minister Albanese warned of a rocky road ahead due to their fuel crisis, and that urgent reforms are required, mainly because previous deregulation has left them uncomfortably vulnerable in this situation. Separately, their main business trade association said their Industry Index fell 19.9 points in March to -23.6, the steepest monthly decline since the initial pandemic phase of early 2020. Industrial activity, employment, new orders and sales indicators all fell markedly in response to the emerging energy crisis. Uncertainty was the main factor, with 30% reporting volatility in fuel prices, freight and/or supply arrangements because of the energy crisis. More than a quarter (26%) of businesses said rising costs were a major pressure – in fuel, freight, raw materials, resins, plastics and packaging. There was a surge in residential consents issued in Australia in February, with 19,022 issued. That is the most for any month since mid-2021. Of note is the rise in Victoria where over 6000 consents were issued. That compares to NSW's 4332 and Queensland's 3890 in February. It is notable that states with relatively lower new-build consenting are those with higher rises in house prices. The UST 10yr yield is now just on 4.31%, unchanged from yesterday.  The price of gold will start today up +US$142 from yesterday, now at US$4783/oz. Silver is up +US$1.50 to US$76/oz. American oil prices are down -US$1.50 at just on US$100/bbl, while the international Brent price is down -US$2.50 at just under US$102/bbl. Ship transit traffic in the Strait of Hormuz seem to be slowly returning, but on Iran's terms. The Kiwi dollar is another +30 bps firmer against the USD from yesterday, now at 57.7 USc. Against the Aussie we are down another -10 bps at 83.1 AUc. We are up +40 bps against the yen. Against the euro we are up +10 bps at just on 49.7 euro cents. That all means our TWI-5 starts today up +20 bps at just over 61.4. The bitcoin price starts today at US$68,837 and up +1.8% from this time yesterday. Volatility over the past 24 hours has been moderate at just under +/- 1.5%. You can get more news affecting the economy in New Zealand from interest.co.nz. Kia ora. I'm David Chaston and we'll do this again on Tuesday after the Easter holiday break.

In this engaging interview, Matt Sutika shares his journey from insurance nerd to multifamily insurance expert and community builder. Discover how he uses insurance as a strategic tool to enhance real estate investments, foster a strong company culture, and leverage technology and AI for future growth.   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   —--------------------

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

In this conversation, Dylan Silver interviews Arthur Miguez, a partner at Lending Spot, discussing various aspects of mortgage lending, particularly in South Florida. They explore the growing popularity of DSCR loans, the competitive investment landscape in South Florida, and the diverse profiles of investors in the region. Arthur explains the differences between cash-out refinancing and HELOCs, emphasizing the importance of leveraging home equity for real estate investments. The discussion also touches on future projects in Miami and the advantages of investing in the area.   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   —--------------------

Karen & Janet invite Joe Parisi in-studio to give his expert advice on when to refi, and understanding what "rate drop" offers you the best savings on your mortgage.  Joe also talks about the many home loan programs that are available, he finds the one that fits you best. Joe also has loans that can get you in with zero down!  Other topics covered include tax advantages in home ownership including the write-offs that are available to home owners!  Karen & Janet also chat about homes in Ventura County that are available for rent and for purchase.  Download this incredible podcast today!

Rental property financing is becoming much easier. For years, seven and eight-percent rates made it brutal to make deals work. But now, things are changing—for the better. Mortgage rates in the five-percent range? HELOCs with no closing costs? Seller concessions to buy down your interest rate, and a smoother path to affordable properties? It's all culminating in 2026, and this could be one of the best years in recent memory to get a mortgage for a rental property. Today, we're talking to Jeff Welgan, who's spent 22 years in the mortgage industry, and is bringing good news. Thought those ARM (adjustable-rate mortgage) loans were left behind in 2008? Safer, cheaper, and more flexible ARM loans are available to investors. With lower rates and longer fixed-rate periods, they could be the perfect option as mortgage rates continue to decline. Jeff also shares how you can get a HELOC with no closing costs, so you don't have to give up that rock-bottom mortgage rate you secured in 2020. Plus, when to refinance, how low rates could go, and whether you still should buy down your rate in 2026. In This Episode We Cover Jeff's 2026 mortgage rate prediction and the “range” he thinks rates will stay in Are ARMs back? Why adjustable-rate mortgages are cheaper, safer, and better for investors Should you pay down your interest rate? When Jeff says it is (and isn't) worth it Why the mortgage industry's cycle is about to end, and investors must be careful  Got a high mortgage rate? This is when you should think about refinancing And So Much More! Links from the Show Join the Future of Real Estate Investing with Fundrise Join BiggerPockets for FREE Join us at the BiggerPockets Conference October 2-4 in Orlando. Buy tickets Sign Up for the On the Market Newsletter BiggerPockets Real Estate 1207 - 2026 Mortgage Rate Predictions: This “X Factor” Could Change Everything Dave's BiggerPockets Profile Find an Investor-Friendly Lender Today Free BiggerPockets Resources Jeff's BiggerPockets Profile Work with Jeff Grab Dave's Book, "Start with Strategy" Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠https://www.biggerpockets.com/blog/on-the-market-400 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

You've probably heard us talk about “properties having babies” when investors use a cash out refi to buy new properties with no new capital.But what does that actually look like when you're the investor making the call?In this episode, show host Pablo Gonzalez opens up his real-life portfolio to walk through the decision to do a cash-out refinance, and whether the short-term drop in cash flow is worth the long-term growth.JWB co-founder, Gregg Cohen, will unveil a new tool he just developed that helps visualize the trade-offs investors face when they refinance like:➕ What changes immediately in your monthly cash flow➕ How much quicker it gets investors to their goal➕ When it wouldn't make sense to do itIf you've been sitting on equity and wondering what to do next, this behind-the-scenes breakdown will help you figure out if a cash out refi could work for you!Listen NOW!Chapters:00:00 Cash-Out Refi & “Property Babies” — What We're Building Today01:33 Welcome to Not Your Average Investor Show + Why This Topic Matters02:25 The Equity Fear Factor: When to Harvest Without Killing Cash Flow03:10 Tool Tease + Live Case Study Setup (Pablo's Portfolio)05:02 Quick Housekeeping: Summit Update + Important Disclaimer05:55 Pablo's 3-Property Origin Story (2021–2022) & Funding Moves07:07 Profit Breakdown: Appreciation, Paydown, Tax Savings & Cash Flow Reality08:37 Eviction, Vacancy, and the Long Game: Staying Invested Through Pain Points13:01 Pac-Man Principle: Why Appreciation Dominates the “Profit Pie”14:48 Introducing the Passive Income Planning Tool (Beyond a Profit Snapshot)16:15 Setting the Target: $10K/Month Net in 15 Years — Why It Matters18:18 Phases of the Plan: Acquisitions → Debt Paydown → Distribution20:34 Current Snapshot: $366/mo, $270K Equity, and 43% of Acquisitions Done23:23 If You Do Nothing: 15-Year Projection for Income and Equity Growth24:29 Delivering the Next Property Baby: How Much Cash You Need ($60–$75K)27:55 15-Year Upside: Cashflow Growth + Massive Equity Gains28:54 “Go Find the Money”: Cash-Out Refi Options & Portfolio Cashflow Impact32:05 Which Properties to Refinance? Protecting Low Rates & Picking the Winner35:49 New Passive Income Plan: 4 Properties, Small Cashflow Trade-Off, Big Long-Term Win39:03 Is $63K Enough to Buy Another Rental? Down Payment Targets & Inventory Fit40:00 Small vs Big Homes Debate: Appreciation, Neighborhood Cycles & Workforce Housing45:31 Live Q&A: HELOC vs Refi, Taxes/Insurance Included, and Using Primary Home Equity49:27 Summit Next Steps + Community Updates (C3X, Greg Roberts, Karaoke)54:18 Final Wrap: Summit Logistics & “Don't Be Average” Send-OffStay connected to us! Join our real estate investor community LIVE: https://jwbrealestatecapital.com/nyai/Schedule a Turnkey strategy call: https://jwbrealestatecapital.com/turnkey/ *Get social with us:*Subscribe to our channel  @notyouraverageinvestor  Subscribe to  @JWBRealEstateCompanies  

In today's market, loan officers aren't losing deals because they don't work hard. They're losing deals because they're still being positioned like rate quote providers instead of trusted advisors. And when rates move, many are getting crushed by chaos; overbooked calendars, endless “quick questions,” and missed opportunities that should have turned into momentum.In this episode of The 360 Experience Podcast, Tim Braheem sits down with Justin Padron, one of the top-producing mortgage advisors at NEO Home Loans. Justin is on pace to fund roughly 140 loans and $70M+ in volume this year, with the majority of his business coming from purchase transactions in a tough market…and he's doing it without competing on rate.Top Takeaways for Loan Officers:1️⃣ How leading with education, strategy, and clear guidance (before numbers) reframes you from a commodity into an advisor buyers trust to help them make confident financial decisions, even in a high-rate environment.2️⃣ How to set a client-chosen strike rate during a post-closing consult and actively monitor it, allowing you to create a predictable refi pipeline that produces volume when rates move without relying on luck or last-minute scrambling.3️⃣ Tips for proactively explaining exactly what happens when the strike rate hits (who contacts them, what documents are needed, and when to move forward) to dramatically reduce unnecessary calls while increasing execution speed.4️⃣ Why the “three outcomes” framework (rates go up, stay flat, or go down) combined with tools like no-cost refinances and lender-subsidized 2-1 buydowns gives buyers a clear path forward in every scenario.5️⃣ Justin's consultative presentation process that helps Realtors close buyers they've been stuck with for months, positioning you as the partner who makes agents more money.If you're tired of being compared to credit unions, overwhelmed when opportunity finally shows up, or feeling like you're working harder than ever for the same results, this conversation will give you a clear blueprint to level up your conversion, your confidence, and your income._________________________________________________________________ABOUT TIM BRAHEEMWith more than 25 years of experience as a highly successful mortgage professional, industry leader, educator, and life coach, Tim Braheem is committed to engaging with people on a deep level and helping them uncover the barriers they have placed in the way of having the level of success they deserve in both their business and personal lives.FOLLOW Instagram ► https://www.instagram.com/tbraheem/LinkedIn ► https://www.linkedin.com/in/timbraheemTHE LOAN ATLASJOIN ► https://go.theloanatlas.com/membership FOLLOWInstagram ► https://www.instagram.com/theloanatlas/YOUTUBE ► https://www.youtube.com/@LoanAtlas----------

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

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

Jason and Michael Zuber explore the "refi till you die" real estate investment strategy, which focuses on accumulating wealth through long-term asset ownership rather than selling properties for profit. This approach mimics the financial tactics of the ultra-wealthy by utilizing tax-free borrowed money from refinanced equity to fund one's lifestyle. By leveraging residential real estate, investors can benefit from inflation-induced debt destruction while tenants effectively pay down the mortgages over time. The strategy emphasizes that debt is a powerful tool for wealth extraction because loans are not subject to income or capital gains taxes. Additionally, the discussion highlights the long-term benefits of a stepped-up basis, which allows heirs to inherit property with significantly reduced tax liabilities. Ultimately, they argue that consistent leverage and asset retention provide a superior path to financial independence compared to traditional stock market exits. https://onerentalatatime.com/ Catch Jason at Michael's event! ORaaT Celebration Year 3 - Feb 14 at 8am to Feb 15 at 6pm PST https://www.eventbrite.com/e/oraat-celebration-year-3-tickets-1550065610969?aff=oddtdtcreator   Key Takeaways: 0:00 Brilliant analysis by Rich Liebman  4:32 Refi Till Ya Die 18:01 I.D.E.A.L.   #RefiTillYouDie #JasonHartman #RealEstateInvesting #WealthStrategy #TaxFreeIncome #NoTaxOnBorrowedMoney #Leverage #RuleOf72 #EquityStripping #IDEAL #InflationInducedDebtDestruction #SteppedUpBasis #BillionaireStrategy #CashOutRefi #FinancialFreedom #AssetManagement #WealthCycle #TenantPaidDebt #LongTermInvesting #TaxEfficiency #BuildAndChill #PerpetualMotionMachine #EquityGrowth #DebtDestruction #GenerationalWealth   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

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

In this episode of The Mortgage Show, Chris and Randy break down a rollercoaster week in the mortgage world. They dig into the brief dip into the 5s, why it didn't last, and what actually drives rate movement behind the scenes, including mortgage-backed securities, global factors, and inflation pressure.They also talk real-world strategy, when refinancing actually makes sense, how to be ready when rates move, why fast closings matter more than ever, and what borrowers can do to put themselves in a position to win. Plus, a look at rising credit report costs, debt consolidation through refis, and why local market conditions still matter.Mortgage talk with context, honesty, and a little fun mixed in.

Keith Weinhold breaks down how recent presidential housing policies could influence real estate investors and everyday homebuyers.  Then he walks through four different ways to eventually exit your investment properties—including a little-known strategy most investors have never heard of—so you can start thinking about how you'll one day harvest your gains, potentially with minimal or no taxes, while still preserving your wealth and flexibility. Episode Page: GetRichEducation.com/589 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, the presidential administration has made some weighty decisions that could affect the real estate market for years. Then when it's time for you to sell your investment property, there are some smart ways to do it and some big mistakes to avoid. We're talking about four options for your real estate exit strategy, including the little discussed 721 exchange today on get rich education.   Keith Weinhold  0:32   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Russell Gray  1:18   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  1:28   Welcome to GRE you're inside one of America's longest running and most listened to shows on real estate investing. This is Get Rich Education. I'm your host. Keith Weinhold, if you're working for the weekend, then you had better examine your Monday to Friday and start investing for leverage in income that's generated today. The good news is that down the road, when it comes time for you to sell your investment property, hopefully, after decades of handsome profits, even if that is years away, there are a lot of good options for you, including multiple ones that are tax deferred and effectively tax free. I'll discuss that later today, what we know, and what history has proven, is that savers lose wealth, stock investors maintain wealth, real estate investors build wealth. And I contend that within the discipline of real estate, being the investor is the best job of all of them, because, look, realtors rarely build wealth. Property managers that don't actually own the real estate, they also rarely build wealth. And the people on your maintenance team, they don't build wealth either. Now, as much as we might appreciate all these service professionals, I mean, I sure do this is not meant to disparage them. I'm trying to help you pick the right lane in real estate. Know that you're doing the right thing. Do the right thing before you do things right. By their own admission, the National Association of Realtors, the NAR they will tell you that the median gross income for a realtor is. Do you want to guess? Any guess as to what the median gross income for a realtor is? It is $58,100. that's it.    Keith Weinhold  3:37   And realize that's the figure being reported by the trade organization that represents the industry too licensed sales agents. Median income that's even lower. It is $41,700 also per the NAR I see myself realtors that have been in business 20 years, 30 years, 40 years, and all that time, they have never bought a single investment property for themselves. Instead, a lot of them spend their entire career helping other people get rich while they never get on the treadmill. But do you know what is even crazier to me, crazier than that, it's the number of people that manage properties, including some of my own property managers that I hire, and they don't own any investment real estate themselves. And I think that's crazy, because managers are doing what is one of the toughest jobs in real estate, always having to walk that tightrope, arbitrating between the property owner and the tenant, and as a result, often pleasing nobody. They're sort of like the football referee, the baseball umpire, the property manager they have to deal with The problem tenant. The manager has to bug the tenant to collect the late rent, and then your maintenance people. You know, I just met up with a contractor that's putting new flooring in one of my rentals. He's got a sense of humor, and he wore this great t shirt that says, I'm here because you broke it. I love that. But now his compensation isn't too shabby, but he's trading his time for dollars, and the income stops when his work stops. The lesson is, be the asset owner.    Keith Weinhold  5:35   Now this presidential administration has shaken up a lot of policies, good or bad we've got a bunch of new directives centered on the housing market. And really, this shouldn't come as any sort of surprise, since be mindful, the current White House occupant is a long time New York City Real Estate Investor, some of the more recent weighty moves that can affect you are banning institutional investors from buying single family homes that they turn into rentals, and the other one is a $200 billion bond purchase program aimed at reducing mortgage rates. Okay, whether those two things happen or not, it's good to look at their effect, how they move a real estate market, because when you understand the effects, then you learn a lesson, even if you're listening to this episode 10 years from now, the move to ban institutional investors. We're talking about conglomerate groups like Blackstone and invitation homes. The move to ban them from buying single family rentals is to try to reduce the demand and therefore, hopefully lower the price of single family homes in order to help affordability. Okay, that could work in concept. But here's the other thing that it does, there would be fewer rentals available on the market, because most institutional investors do buy those build to rent properties, that's what they're looking to acquire. So it's sort of what most any real estate investor would want. They would get higher rents and maybe some somewhat lower purchase prices, or at least a lower appreciation rate. But this whole move to ban institutional investors, that is mostly a nothing burger, that's all we're talking about here. And here's why you cannot undo the institutional purchases that were already made, and a lot of those got made, a lot of them during the pandemic. So it would only be banning new purchases. And another important point to consider here is how small this market is. I think these institutional buyers make a whole lot of outsized noise and often get pointed to as the boogeyman for running up prices of real estate. But that's not true. Only about two to 3% of single family rentals are owned by these giant investors, at least the ones that have over 1000 units. Okay, so this all sounds good as a political platitude. You trying to do something about it? I sort of understand that, but this ban, it just would not move the market very much at all now, perhaps a slight move could be triggered in cities that do have a lot of institutional ownership, like Atlanta, Jacksonville, Charlotte, but really little effect. The second directive from the President is having Fannie Mae and Freddie Mac buy $200 billion worth of mortgage bonds. This is really an effort to drive down mortgage rates and bring down monthly payments and make the cost of home ownership more affordable. The translation here for you is that whenever you inject money into something, money tends to flow more freely and rates get lower, kind of lowering the dam wall height, like I have given to you in other examples, when you buy bonds that demand pushes up bond prices, which lowers bond yields. And mortgage rates are tied to those lowered bond yields. And as soon as this was announced, like the very next day, mortgage rates fell into the high fives, yes, under 6% for the first time in three years. But the last thing effect of this that's been studied, and it's been shown to reduce mortgage rates by about three tenths of 1% so not nothing, but sort of small. However, if they're buying down rates like this one time, well then they might do it multiple times. So there you go. There are two recent directives from the president banning institutional investors from buying single family homes and buying mortgage bonds to lower mortgage rates.    Keith Weinhold  10:00   Either one of them with seismic effects. It's sort of like the 50 year mortgage proposal that the administration made a while ago, and that's probably not going to become a reality anytime soon, if ever. Here's a question that I have for you, and I'll let you answer. Do you like free markets, or would you rather have big government? Well, each of these directives are more government intervention into the free market, whether you like that or not. Another way to say it is that stuff like this makes a lot of splashy headlines, but it's not a bigger deal than a Philadelphia Eagles football game,at least. You know how these forces can move markets now    Keith Weinhold  10:46   straight ahead, it's the concise, definitive audio guide to selling your investment property. I'm going to detail four different ways that you can do it in this guide, including tax deferred and effectively, tax free methods. When you're able to defer taxes over and over again throughout your entire life, they effectively become tax free. You never have any tax obligation. Also, I will discuss one way of selling your property that you're probably not familiar with and you might have never heard about before in your life. I'm Keith Weinhold. You're listening to Episode 589 of get rich education.    Keith Weinhold  11:27   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre. Or or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly. Again. 1-937-795-8989,   Keith Weinhold  12:39   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Russell Gray  13:12   Hi. This is Russell Gray, Main Street capitalist. You're listening to the get rich education show with Keith weinholden. Remember, don't quit your Daydream.    Keith Weinhold  13:20   You welcome back to get rich Education. I'm your host, Keith Weinhold, and I'm coming to you from Colorado Springs today, where I'm attending the real estate guys create your future goals retreat event, yeah, a goals event allows one to get introspective. One part of it is learning how I can serve you better on this show. Every week, since I do pour a lot of thought into what I share with you here. How much yeah, just, how much did this event mean to me? Well, my team is in the NFL playoffs, and I was willing to miss some playoff football for this.   Speaker 1  14:07    That's inexcusable, inexcusable. Playoffs. Don't talk about playoffs. You kidding me? Playoffs? I just hope we can win a game.   Keith Weinhold  14:19   Yeah, yeah. That is, that is, of course, the classic rant from a former NFL coach, Jim Mora. Maybe Jim needs to attend the goals retreat to put things into perspective here. now, whether it's just a few years from now or it's decades into your future, at some point we're all going to exit the real estate investing game, even if that's not until the day we die. I'll talk about that with whatever endeavor you're in. It is good to begin with. The end In mind. there's a good chance that you're either in real estate acquisition mode now, or you once were. Or where you're going to be in that real estate acquisition mode in the future, but after this accumulation phase of your life, hopefully, which you've turned into financial freedom through real estate, after that, you're going to be in the mode where, since you've already made it, you're going to want to just maintain the portfolio that you have or stop acquiring or you will want to sell eventually. The good news is that there are a lot of good options for selling your property and doing it, tax deferred and effectively tax free. Now I will not talk about selling your primary residence so much, though, this is focused on exiting from your investment property, primary residence sales rules with the IRS is that your first 250k of gain is exempt from capital gains tax if you're single, and your first 500k is shielded from tax if you're married. Quite a marriage incentive there.    Keith Weinhold  15:59   But as we focus on investment properties. This is influenced by a question from one of our older GRE listeners, 62 year old, Mark, who wrote in last year, was such a good question and I answered his question on air last month. I'll basically expand on that answer today. Mark said he has listened to every GRE episode ever, and therefore, congratulations, he made it. He reached financial freedom, and he's got a sizable portfolio. Some of his properties are paid off. Others are leveraged. But see, Mark is hesitant to buy more property because he's already made it his wife doesn't want more properties because she associates it with him having to do more work. Now, when you're still in pursuit of financial freedom, well, you don't mind investing a small slice of your time each month into real estate, a little light management, remotely, maybe, but once your residual income exceeds all of your expenses, well, then at that point, your time is going to start to become more valuable. So let's look at four here, four solid options for exiting your property, and then I'm going to examine the pros and cons of each one. The first of four is simply to sell real estate in the conventional way, just a plain sale to a buyer, where you see that it gets fixed up and you list it and you sell it outright. Well, the pros of this are is that it gets you to your exit, and it also turns your equity into cash. The cons, the downside of doing it this way is that you're going to give up your ongoing stream of income. Your Cash Flow is going to be gone. You might have to remove tenants, depending on your scenario. You have to fix up and stage the home to prepare it for the market. That could be as little as 5k or as much as 50k or more, depending on the size of your real estate, you're going to have to pay a real estate agent a commission of 3% or more and pay capital gains tax of 15% or more. That's one five. And you'll also have to pay depreciation recapture, and of course, you don't have to pay 15% of the total asset value. It's just 15% of the value gain during the time that you held this property, right? So the tax and fix up cost can eat into your profit with this first of four ways to sell your property, although you are still probably in for a pretty nice windfall upon the sale if you've held it for a while. All right, so the first way is a plain sail, and a lot of people would agree that is not the best way to do it. Okay, it gets far better from here. The second sale option that you have is something that a lot of real estate investors like us are familiar with, or have at least heard of, and the general public has not, and that is the 1031 exchange. You'll also hear it be called the 1031 tax deferred Exchange, or the 1031 like kind exchange, because you trade your property up for another property that's kind of like it. It is a hugely powerful wealth building and wealth preservation tool, okay, section 1031, of the IRS tax code that allows an investor to exit a property without incurring any capital gains taxes. That also does not trigger depreciation recapture when you sell your property, but in order for you to get those tax deferred benefits. Importantly, you have to roll your game into another piece of real estate. Now there are a lot of rules and nuances around 1031 ones. I have done multiple 1030 ones in my life, and they are so worth doing and amplifying your wealth, building power I will not cover all the rules and nuances those things like the three properties rule and the 200% rule, and that rule about how you need to identify your replacement property within 45 days and close on it within 180 days, and all of that. Because what I've done is I've completely broken that down on the show with you here previously, and as always, I explained it in the most clear, incoherent way that I could for you. I best did that on episode 143 of get rich education. The name of that episode is your 1031 exchange guide, tax deferral for life. Now, there do get to be some numbers flying around here, so you want to listen closely, you might find yourself skipping back for simple example purposes, in a 1031assume that you bought a $200,000 duplex 20 years ago, and it's now worth 500k you depreciated the value of the duplex every year, as is actually required by the IRS, assuming you took a total of 100k of depreciation over the life of your ownership of it, and you did not make any improvements to it. The basis of your property is then 100k because it's your 200k purchase price, minus 100k in total depreciation write offs. When you sell the property for 500k you now have a gain of 500k minus 100k which is 400k depreciation, recapture and capital gains are not taxed at the same rate, and it depends on some things, but let's assume that your blended tax rate is 20% that means you would owe 20% on your 400k so that would be 80k in taxes if you just did the plain sale. But not many people want to stroke a check to the IRS for 80k so instead, if you take your 400k of gain and roll it into a new property, or properties, you can defer your obligation to pay this 80k. Yes, you do not owe the IRS a thing. Now this is beautiful. You get that tax break virtually nowhere else in the investing world, okay, so what you've now done is that you have exited the property a duplex, in this case, via 1031 exchange, and you've traded it up for another property. So you're still a real estate investor. You have not exited being one of those, but you sold the duplex and replaced it with another property, or properties, all right, that was the second of four sale options, the 1031, exchange, and, yeah, as you can see, there do get to be some numbers flying around, some deep dive learning for you here. And that's why I lightened it up with the Jim Mora clip before we dove in.   Keith Weinhold  22:54   The third way is called refi for life. Now we could almost put an asterisk on this third way, because with a refi for life, it's not a sale of the property at all. What it is is it's really a way for you to sell your equity to a bank yet still retain the property. Therefore, you access capital without triggering any taxes. You get a nice, big windfall payout while you still hold the asset, and it keeps paying you up to five ways at the same time. Yeah, you will also hear this refi for life strategy referred to as other things. Refi till you die, is one way to put it, as equity accumulates, say, every five or 10 years, you just do another cash out refi, enjoy the tax free windfall and keep holding on to the asset that is the same thing. Other names for this repeated series of cash out refis throughout your life that you might hear, which I'm calling refi for life. Those other names are live on leverage, the equity to income strategy, the infinite hold, the generational hold strategy, hold until step up, or you might hear, buy, borrow, never sell. They all mean the same thing. I'm calling it refi for life. Let me give you a simple refi for life. Example, using conservative assumptions, say that today you put a total of 200k down to control $1 million worth of rental property. Your initial loan balance is 800k we'll just say your cash flow is zero. Your property is appreciated 6% per year. After 10 years, your million dollars of property, growing at 6% annually, is worth almost $1.8 million if you refinance a 75% loan to value your new loan, amount is 1.3 5 million you pay off the original 800k loan, that leaves you with raw. 550k of cash out refinance proceeds. Congratulations, you got a windfall, and your 550k is tax, free loan money to you not income, because the IRS says debt is not income, therefore it's not taxed. Yes, and you heard that right. You can do whatever you want with those funds. What you've now done is you pulled out more than two and a half times your original 200k investment. And yes, while you still own the property, you continue to hold this appreciating asset. Tenants keep paying down your debt over time, and inflation keeps working in your favor, all right, and remember, that's only what you did at the 10 year mark. You are not done. It just keeps getting better. Fast forward five more years to the 15 year mark, at 6% appreciation continuing your original Million Dollar Portfolio is now worth about $2.4 million at 75% loan to value that property supports total debt of roughly $1.8 million at this point, your existing loan balance from the prior refinance, it's still that 1.3 5 million so you pay it off with a new loan. This allows you to extract an additional 450k of tax free cash. So add it up. This means at the 10 year mark, you got 550k and then here, at the 15 year mark, you got another 450k across your two refinances combined, you have now pull out a cool million dollars in tax free loan proceeds. That's nearly $1 million of liquid, usable capital from an original 200k investment that you made 15 years ago, without you ever selling the property. You still own. What's worth now $2.4 million worth of property, you've got the million liquid and you still have not triggered any tax at all. So at this stage, you can just live off your million dollars of refinance proceeds, or you can choose to reinvest it into new assets. Or you can selectively pay down your debt to increase your cash flow, or you can simply hold and let inflation continue shrinking the real value of your loans, and let inflation continue to make your properties go up in price, then down the road when you eventually die, your heirs receive a step up in basis largely eliminating capital gains tax. That is just amazing. That is refi for life in plain English. So that is the third of four exit strategies that I'm sharing with you here today. And understand there are a few caveats here. I only went to the 15 year mark, you can keep doing it every five years. Beyond that, it just keeps getting better as leverage compounds the value of what you own. Now I kept it simple for learning purposes in an audio format with you here, you're probably going to have even more equity than those numbers I gave you because I didn't even include the principal pay down that your tenants make for you.    Keith Weinhold  28:26   And let's discuss a few more pros and cons of this refi for life plan. The pros are that you've borrowed, and you've done that with perhaps a home equity line of credit, home equity loan or a second mortgage, you borrowed against the property in perpetuity and get tax free cash. Interest paid on the amount borrowed is tax deductible too. If you don't have enough tax advantages, there's also that you've got zero property sale, transaction friction or risk, you pass along the value of your home or portfolio to heirs on a stepped up basis. What that means, in essence, is when you pass away your depreciation recapture and your capital gains are wiped out, that's what a stepped up basis means. Okay, those were the pros, the cons, the downsides of doing this, and there aren't very many, but it's that it does not get you out of property ownership while you're still alive. If that's what you're looking for, your property cash flow gets reduced when you do a refi because you have a new debt service obligation. However, you've also got incremental rent increases throughout time that could offset that. And the other thing is, think about your heirs. Sometimes heirs find it challenging to divide homes among themselves, so your heirs need to be pretty well educated on related real estate and tax principles. So those are the cons of refi for Life. We're talking about four distinct access strategies for your investment real estate today on get rich education podcast episode 589 I'm your host, Keith Weinhold    Keith Weinhold  30:09   and the fourth way, the least understood and least utilized way, is known as the 721 exchange. And I want to thank a different GRE listener named Nate in California in his acquire to retire blog. It's worth checking out. I want to thank Nate for his contribution here. Nate heard the GRE episode last year about 62 year old. Listener Mark's desire to sell, and that's what got Nate to write in about the 721 exchange, yes, just like the 1031 exchange is named for that particular section of the IRS tax code, it's just the same with the 721 and of all four methods we're discussing today, it's the only one of the four that I have not done myself. So I have studied it how the 721 exchange works is that say you have a case where you're a rental property owner and you realize that you just don't want the hassles of landlording, but you like the financial benefit that the ownership gives you. What you can do is sell your home to a partnership and receive shares in that partnership. The 721 exchange rules stipulate that this is not a taxable event, and therefore no capital gains tax or depreciation recapture are due. Now that you're an owner in the partnership, you still get the benefits of owning the property, like appreciation and cash flow and such, and you get these benefits across a greater number of properties in markets diversification, because you are a fractional owner in the other properties that are in the partnership, not only your own. And when you eventually pass away, your shares are stepped up in basis and can be distributed equally to heirs. And see it is surely easier to divide shares among, say, four children than it is to divide your 31 rental houses among four children, because your four children are all going to have different goals and varying degrees of financial savvy. So the 721 exchange really is a great estate planning tool as well. So you will have this partnership that makes an offer to buy your property. Section 721, of the IRS Code allows a property owner to contribute real estate to a partnership in exchange for partnership units. And of course, you are going to need to learn how to vet the partnership. Now let's look at some of the pros and cons of this. The upside the pros are that it gets you out of being a direct property owner, if that's just something down the road that you don't want to do anymore. No more repair requests or HOAs, property tax bills, insurance bills, vacancies or property improvements. And of course, the hedge against that, I favor using a property manager to take care of that for me, but that is a different topic. But in any case, you also defer paying capital gains tax and depreciation recapture by rolling your equity into a qualified real estate fund. Some more upsides of the 721 are that you get shares in the real estate fund that offers you continued cash flow and possible appreciation. There's often no need for you to pay to fix up or stage the property for sale, no agent commissions to pay. You diversify your risk across multiple markets and properties you get to contribute to, and you sort of become part of a like minded community of real estate investors, and you peripherally stay attached to your real estate, even though you're no longer the direct owner of it. Now, of course, being a direct owner of real estate is where you get both the profits and the control, but again, after a decade, or even 50 Years of direct ownership, you're just choosing to be done with that phase. So the 721 is a permanent solution. There's no sort of next decision, stress or risk. It is done. It is solved. But like I said, the shares are easy to divide among heirs compared to a portfolio of homes. All right, how about the cons the negative of a 721 exchange? Well, you're going to forfeit the ability to borrow against your asset, the refi for life plan that I talked about in the third way you can sell your property. Also you're going to have to pay some onboarding fees or some management fees to the partnership, and you're going to lose future 1031 exchange availability. And that is it. That is the 721 exchange. Again, I want to thank GRE listener, Nate from California, for reaching out to the show, and he's got a great blog. That's what got me to study the 721 exchange some more. This can happen with an up rate. You've probably heard of a REIT before, really.   Keith Weinhold  35:00   Estate Investment Trust and upreet, up r, e, i, t, that is in umbrella partnership. REIT, as investors, we acquire and hold real estate for the long term because it provides those real estate pays five ways, benefits of appreciation, cash flow, ROA, tax benefits and inflation profiting. But as you begin with the end in mind, it's going to be aware of your options so that you can optimize that inevitable exit of yours down the row. To summarize what you've learned so far on this segment of the show is that there are four viable exit strategies for real estate investors, the straight sale, the 1031, tax deferred exchange, refi for life, which isn't a sale at all. It's a series of cash out refis, and finally, the 721 exchange, where you sell to a partnership, all with their various pros and cons. So some really good options for you. You can look up Ridge lending group, if you want to do a cash out refi on your investment property, they're very well versed in how to do those things. That was the third strategy, the refi for life. What do I personally recommend that you do? Well, I don't know your situation, but I can just tell you what I do myself, and that is generally, if I like a property, I keep doing the refi for life thing, continued cash out refinances, and I just keep holding onto the property and enjoying that tax free cash. That's if I like a property. If I don't like a property, I will be more likely to 1031 exchange it up into something larger, and when I'm older and done being a direct real estate investor, that's time. I'll probably take a close look at a 721, exchange and see if it's right for me at that time. How can you learn more about these four exit strategies and what professional parties might you want to use to help facilitate it? Well, it is the same place that you get free coaching from us, and it's also the same place where you find just the right next investment property so that you're going to have something to sell in future decades. That is it gre investmentcoach.com that's free consultation with our coaches at greinvestmentcoach.com   Keith Weinhold  37:19   I'm Keith Weinhold, thanks for being here, but you weren't here for me. You were here for you. Don't quit your Daydream.   Speaker 1  37:29   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  37:57   The preceding program was brought to you by your home for wealth building, get richeducation.com you.  

Home Loans Radio 01.10.2026 With that Mortgage Guy Don Rates are in the 5's for many loans. If you have a rate with a 7 -its time to refi!www.thatmortgageguydon.com

What if your next multifamily deal didn't come from a broker… or a mailing campaign… but from knocking on the owner's front door? In this episode of the Get Creative Podcast, host Justin Tuminowski sits down with Casey Roloff (Yuma, Arizona) — Army veteran, former Border Patrol agent, and Subto/Owners Club member — to break down a real-world seller financing deal on an 11-unit apartment complex that started with a cold door knock and turned into a wealth-building home run. Connect with Casey: https://www.facebook.com/casey.roloff/ ➡️ Meet Pace on the Creative Nation Tour: https://bit.ly/GetCreativeNationTour ➡️ Download the Free SubTo A-Z e-book: https://subto.sjv.io/qzd0Vb  ➡️ Get the CRM that will take you further: https://www.gohighlevel.com/pace ➡️ Use Creative Listing for FREE to buy and sell creatively: https://bit.ly/CreativeListing ➡️ Join the SubTo Community: https://subto.sjv.io/RG6EDb ➡️ Become a Top Tier Transaction Coordinator: https://toptiertc.pxf.io/yqmoxW ➡️ Discover the Gator Method: https://gator.sjv.io/6yYWBG ➡️ Get to the SquadUp Summit Conference: https://bit.ly/GetToSquadUpSummit COMMUNITY MEMBERS! ➡️ Get Featured on the Get Creative Podcast: https://bit.ly/GetCreativeGuestForm Refer a Friend to SubTo: refer.nre.ai/subto Refer a Friend to TTTC: refer.nre.ai/tttc Refer a Friend to Gator: refer.nre.ai/gator PLUG IN & SUBSCRIBE Creative Real Estate Facebook Group: https://www.facebook.com/groups/creativefinancewithpacemorby Instagram: https://www.instagram.com/pacemorby/  YouTube: https://www.youtube.com/@PaceMorby TikTok: https://www.tiktok.com/@pacemorby  X: https://x.com/PaceJordanMorby The Pace Morby Show: https://www.youtube.com/@thepacemorbyshow

Home Loans Radio 12.14.2025 with That Mortgage guy Don - Merry Christmas Live show today- Rates are the best they have been all year!www.thatmortgageguydon.com

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

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

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

Home Loans Radio 11.15.2025 With That Mortgage guy Don- 50 year Mortgage are not a good idea- Don explains why.www.thatmortgageguydon.com

For episode 226, I'm exited to welcome 0xJoshua and Penguin, Co-Founders of Azos, a third-generation DeFi protocol using blockchain technology to turn climate-positive assets into real financial infrastructure. Their stablecoin, AZUSD, is designed to hold a stable value while automatically directing capital toward environmental good.In our conversation, we explore how Azos is making values-aligned money possible, what it means to merge DeFi innovation with climate action, and how they're building an ecosystem where both regens and degens can participate in building a greener future.You'll learn:

People Are Getting Hosed — VA Refi Receipts (Light) A concise, source-backed outline for your live show • Updated Oct 30, 2025 What's Been Happening (2023–2025) CFPB orders NewDay USA to pay $2.25M Federal consent order alleges misleading cost comparisons on cash‑out refis to servicemembers and veterans. Enforcement CFPB • Aug 29, 2024 Newsroom Consent Order (PDF) Case Docket Servicers' pressure on survivors Report details pressure tactics, inaccurate info, and delays for bereaved families with VA‑backed loans. MOAA • Jan 17, 2025 Open Source VA: Pause foreclosures on VA loans VA called on mortgage servicers to pause foreclosures through May 31, 2024 — pushback to curb harm. VA Newsroom • Nov 17, 2023 Open Source VA seeks extended moratorium Requested extending the veteran foreclosure moratorium through Dec 31, 2024. VA Newsroom • May 29, 2024 Open Source CFPB relief for veterans harmed by schemes $6M in relief tied to illegal lending schemes targeting veteran benefits — signals regulatory focus on veteran predation. CFPB • Jan 2, 2024 Open Source MSCI: High speeds in Ginnie Mae VA loans Investor-side analysis flagged extraordinary prepayment speeds — a market clue of aggressive refi activity. MSCI Blog • May 24, 2024 Open Source Ginnie Mae: recent prepayment activity Agency note: VA cohorts led a recent uptick; overall CPR still below pre‑pandemic — use for nuance. Ginnie Mae • Jun 6, 2024 Open Source CFPB Consumer Response (2024) Mortgage-related consumer complaints remain significant; use to frame trends. CFPB • Published May 1, 2025 Overview Full Report (PDF) BBB: high‑pressure & trigger‑lead complaints Consumer allegations referencing rapid-fire calls and “too-good-to-be-true” VA refi offers (use as allegations, not findings). BBB • Ongoing Example complaints Company profile VA IRRRL — official rules Legitimate streamline path; costs can be financed or traded for a higher rate — decode “no‑cost” claims. VA.gov • Updated 2025 VA.gov Benefits (alt) MarketWatch: VASP wind‑down risk As VASP winds down, tens of thousands of veterans may be closer to foreclosure — stakes and urgency. MarketWatch • May 2025 Open Source Reuters: Kickbacks & steering case CFPB accuses Rocket Homes & partner of illegal referral scheme — not VA‑specific, but shows current enforcement climate on steering. Reuters • Dec 23, 2024 Open Source Talking Points (use these on-air) Misleading “savings” claims: Show NewDay consent order. Translate how “no‑cost” often means “financed costs” or a higher rate. Refi churn math: Explain payment reset, added fees to balance, and erosion of equity; cite investor prepayment data. High‑pressure tactics: Trigger‑lead calls, mailers, and scripted urgency; emphasize opt‑out and comparison shopping. Servicing pain points: Survivors report pressure/delays; stress VA escalation paths and patience with documentation. Guardrails for vets: IRRRL mechanics, itemized fees, true break‑even, and avoiding back‑to‑back refis unless math wins. Regulatory posture: VA foreclosure pauses, VASP, and ongoing CFPB enforcement show the government is watching. Call to action: Offer to do a plain‑English, side‑by‑side quote; invite viewers to send statements for a fee audit. Links & CTAs (edit these) RateWatch 2.0 Add your RateWatch sign‑up URL Schedule Consultation Open scheduling link Apply Now Add your application URL SmartCredit (affiliate) SmartCredit signup Credit Karma (affiliate) Free credit score The Budget App (referral) Budget App link YouTube — The Rate Update Add your channel URL Website therateupdate.com Light version • All external links open in a new tab • Replace placeholder CTAs with your URLs • © 2025 The Rate Update

Headlines are buzzing about government shutdown, shifting interest rates, and all time highs for gold, but what do those stories actually mean for real estate investors?In this week's Not Your Average Insights, JWB Co-Founder Gregg Cohen and host Pablo Gonzalez look beyond the politics and into the data to reveal how these macro events really shape the housing market.They'll unpack:- What history tells us about how past government shutdowns affected prices, rents, and new construction- Why the concurrent all time highs of gold prices and the stock market is so unique (and what it could mean)- How a small drop in mortgage rates can trigger a major refi wave and what that means for investors' cash flowIf you've been wondering how to separate short-term noise from long-term opportunity, this episode will help you see what's really moving the market and how to prepare for what's next.Listen NOW!Chapters:00:00 Introduction and Today's Agenda00:13 Government Shutdown: Impact on Real Estate02:16 Short-Term Implications for Real Estate Investors09:58 Long-Term Effects of Government Shutdowns16:04 Refinance Wave: What It Means for Investors25:44 Gold and Stocks: Unusual Market Trends29:51 Economic Overview and Market Resilience30:33 COVID-19 Impact and Financial Market Observations31:29 Investment Mindsets: Fear vs. Growth32:31 The Value of Rental Properties38:33 Build-to-Rent Market Dynamics39:39 JWB's Unique Approach to Real Estate47:30 Community Announcements and Upcoming Events48:46 Q&A: REITs vs. Direct Investments49:39 Exploring Modular Homes and Innovation53:58 Conclusion and Final ThoughtsStay connected to us! Join our real estate investor community LIVE: https://jwbrealestatecapital.com/nyai/Schedule a Turnkey strategy call: https://jwbrealestatecapital.com/turnkey/ *Get social with us:*Subscribe to our channel  @notyouraverageinvestor  Subscribe to  @JWBRealEstateCompanies  

On today's sponsored episode, Editor in Chief Sarah Wheeler talks with Mike Vough, head of corporate strategy at Optimal Blue, about how technology is empowering lenders to take advantage of refi opportunities in this market. Related to this episode: Register for the Optimal Blue 2026 Summit Optimal Blue Launches New Lead Generation Tool for Originators Optimal Blue PPE Optimal Blue Mike Vough | LinkedIn ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠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

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

In this episode of the Real Estate Pros Podcast, host Kristen interviews Carrie Matuga, founder of Fynd Capital and an experienced real estate investor. Carrie shares her journey into real estate, emphasizing the importance of education and understanding financing. She discusses the current market changes, buyer strategies, and the opportunities available for investors. Carrie also explores various exit strategies and the risks associated with over-leveraging in real estate investments, providing valuable insights for both new and seasoned investors.     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   —--------------------

Big changes are here for student loans—and if you're a doctor, student, or high-debt professional, this episode could save you thousands. Dr. Disha Spath sits down with Aaron Smith, co-founder of Savi and longtime student loan policy advocate, to break down the One Big Beautiful Bill Act and what it really means for your financial future. Aaron has worked with the Department of Education, Congress, and the White House—and he's carried student debt himself. Together, he and Dr. Disha unravel the brand-new Repayment Assistance Plan (RAP), the elimination of Grad PLUS loans, and how these reforms reshape repayment strategies, PSLF, and refinancing decisions. Key Topics Covered: 1. The Big Beautiful Bill, Simplified What's changing in federal student loan repayment. Which repayment plans are gone, and the details behind RAP. 2. RAP vs. Current Plans Why RAP bases payments on gross income. Why locking into an income-driven repayment plan before 2026 could be a smart move. 3. PSLF Stays Strong  The good news: PSLF wasn't touched by the new law. How to avoid errors with employer certification and payment tracking. 4. Goodbye Grad PLUS Loans How cutting Grad PLUS reshapes graduate and medical school financing. What rising reliance on private loans means for lower-income students. 5. Smart Moves for Current Borrowers How to maximize forgiveness and avoid costly mistakes. Critical timelines for choosing your repayment plan. 6. Should You Refinance? When private refinancing could save you money—and when it locks you out of forgiveness forever. What falling interest rates might mean for borrowers in 2025–2026. 7. Employer Support & Advocacy How hospitals, universities, and employers are stepping up with student loan benefits. Why employer advocacy is helping expand PSLF eligibility. Listener Takeaways: Act before July 2026: Enroll in an income-driven plan now to keep your options open. PSLF is safe—but annual employer certification is key to avoiding lost credits. Future grad students beware: With Grad PLUS gone, private loans will change the game. Refinancing is final: weigh lower interest rates against losing federal protections. Stay plugged in—loan policy is shifting fast, and being proactive could save you years of payments. Resources Mentioned: Black Swan Real Estate Savi Student Loan Platform Secure Freedom Fund U.S. Department of Education PSLF Help Tool Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guest: Aaron Smith, Co-Founder of Savi   This episode is brought to you by Black Swan Real Estate, led by physician-investor Dr. Elaine Stageberg.  Dr. Stageberg, a Mayo Clinic–trained physician, together with her husband Nick, has spent years building Black Swan Real Estate into a diversified, large-scale portfolio now approaching half a billion dollars across 2,000 doors.  Now, through their Secure Freedom Fund, a 10% fixed rate of return offering, you can invest alongside them. The Secure Freedom Fund offers institutional-quality real estate opportunities—designed to deliver strong cash flow, long-term growth, and remarkable tax advantages.  This fund is uniquely structured so that each investor can tailor it to their own individual goals: a minimum investment of just $25,000, the ability to choose monthly cashflow distributions or to elect the compounding option for higher overall growth, the option to exit the fund on your timing, the flexibility to invest in your personal name, a trust, an LLC, or a retirement account, and so much more.  If you're an accredited investor who's ready to diversify beyond Wall Street and invest with experienced, trust worthy operators who've been exactly where you are, visit SecureFreedomFund.com today to learn more. From there, you can review the slides, watch the webinar, and even a book a call directly 1:1 with Dr. Elaine Stageberg.  That's SecureFreedomFund.com.

On this week's episode of Passive Income Playbook, Pascal Wagner interviews Peter Sack. They dig into why Chicago Atlantic targets underserved private credit niches, especially state-by-state cannabis lending where limited competition can mean first-lien structures at lower leverage with mid-teens to ~20% returns, plus classic lender protections. Peter explains how regulatory moats, disciplined underwriting, and downside focus beat “sexy” equity stories, and how potential legalization would likely trigger refinancings, prepayment fees, and warrant upside rather than harm. They also compare private funds to public options through Chicago Atlantic's BDC and mortgage REIT tickers, LIEN and REFI, and outline what LPs should evaluate in credit managers from lien position to non-accruals and third-party administration. Peter SackCurrent role: Managing Partner, Chicago AtlanticBased in: Miami, FloridaSay hi to them at: https://www.chicagoatlantic.com/ | LinkedIn | investors@chicagoatlantic.com This is a limited time offer, so head over to aspenfunds.us/bestever to download the investor deck—or grab their quick-start guide if you're brand new to oil and gas investing. Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com with code BESTEVER Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at ⁠www.bestevercommunity.com⁠ Podcast production done by ⁠Outlier Audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

Property insurance costs are now the fastest-growing housing expense, up 70% in just five years and nearly 10% of the average mortgage payment. In this episode, Kathy Fettke breaks down the latest ICE Mortgage Monitor, including why insurance is outpacing mortgage and tax costs, how home prices and foreclosures are shifting, and what falling HELOC and refinance rates mean for homeowners and investors navigating today's affordability crunch. JOIN US AT OUR RealWealth® EVENT:  www.realwealth.com/1031  FOLLOW OUR PODCASTS Real Wealth Show: Real Estate Investing Podcast https://link.chtbl.com/RWS SOURCE: https://mortgagetech.ice.com/resources/data-reports/september-2025-mortgage-monitor 

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

In this episode, my guest is Timothy Rann, Managing Partner of Mercy Corps Ventures. He leads what is likely the only venture capital fund in the world to have emerged from within a humanitarian NGO. When the fund was first created, Mercy Corps itself was a $600 million-a-year organization working in more than 40 conflict and climate-stressed countries.After years of building businesses in fragile markets such as Cambodia, Vietnam, and Afghanistan, he and his wife moved to Jakarta, where he was recruited to help launch what became Mercy Corps Ventures. The original idea was to create “the equivalent of Google X inside a nonprofit.”But that venture-building model proved too expensive. Tim and his team pivoted and convinced the board to let them invest directly in startups serving the Global South.From those beginnings, Mercy Corps Ventures has scaled into a family of four funds with more than 60 portfolio companies across Africa, Latin America, and Asia.Their first fund was evergreen, seeded by family offices and corporates, later joined by institutions like USAID and Proparco. It's already produced a unicorn and multiple exits.The second fund, now aiming for $50 million, focuses on climate adaptation and resilience.The third fund is the Venture Lab. It puts small grants behind frontier ideas – everything from anticipatory cash transfers to glacier restoration.And the fourth is a Web3 fund. Its purpose is simple: to test whether decentralized finance can lower costs and expand access in emerging markets. Mercy Corps Ventures has what they call a resilient future thesis. The idea is to back startups that help communities in emerging markets adapt to climate change and recover faster from shocks.Their thesis is built around three verticals:adaptive agriculture and food systemsinclusive fintechclimate-smart technologiesInstead of waiting years for perfect research to act on, they put capital to work now. They test what works and learn along the way. As Tim puts it, “We need to take as much impact risk as commercial risk within the realm”.It's this willingness to test, fail, and adapt that's helped MCV move from an experiment inside a nonprofit to one of the most innovative impact investors in the Global South today.In this interview, Tim talks about what it takes to back founders in fragile markets, why impact investing sometimes means taking risks no one else will, and why boring products like factoring can unlock climate resilience.Tune in to hear more about his remarkable journey.—About the SRI 360° Podcast: The SRI 360° Podcast is focused exclusively on sustainable & responsible investing. In each episode, I interview a world-class investor who is an accomplished practitioner from all asset classes.—Connect with SRI360°:Sign up for the free weekly email updateVisit the SRI360° PODCASTVisit the SRI360° WEBSITEFollow SRI360° on XFollow SRI360° on FACEBOOK—Additional Resources:

Bart sits down with co-founder John Koborowski to rapid-fire update the portfolio—especially assets tied to Neighborhood Ventures' Opportunistic Fund: Asset #1 (acquired Jan ‘25): Occupancy jumped from 72% → 85%+ as tenant quality improved and maintenance was brought in-house; Google reviews surged from ~2.5★ to 5★ under on-site leadership. Venture on 52nd (closed mid-March): Now 94% occupied with 12 new leases and 15 renewals trending to market. Light CapEx (sound-dampening doors on Thomas-facing units, new semi-private patios) is boosting NOI and rental appeal. Venture on 12th Place: Strategic refinance converted $2M debt → $2M equity, locking in fixed financing and positioning a well-renovated, high-occupancy asset for a stronger hold. Venture on Maryland (under contract): 78 units in Central Phoenix at a compelling basis with lender-backed reno dollars; plan is staged interior upgrades and bringing ~$1,100 one-beds toward ~$1,500 market rents. Venture on Country Club: City-driven life-safety upgrades (sprinklers, egress, signage) slated to start September with tenants in place—stabilizing operations in a “buy-don't-sell” market. Clear takeaways: disciplined ops, targeted CapEx, and cycle-aware buying are driving occupancy, NOI, and long-term positioning across the NV portfolio.

The student loan refi ladder is a clever strategy that'll help you tackle your debt without wrecking your cash flow. We haven't talked about this much in recent years because of student loan payment and interest pauses, but with the One Big Beautiful Bill Act stripping protections from federal student loan borrowers, now is the time to decide between loan forgiveness and refinancing. This episode will help you decide if refinancing — and the refi ladder — is right for you, or if forgiveness is the better path. Key moments: (07:55) Who should consider refinancing (and who shouldn't) (15:14) If you're convinced that paying off your student loans is best, here's what to do first (17:27) Why the refi ladder strategy helps (25:42) Overly aggressive payments may hurt your chances for a mortgage or other big purchases   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: http://coachcarson.com/rpm  

Today on The Jon Sanchez Show we're going to help you answer the following question if you are looking to buy a primary or a rental.  Should I buy now and refi later, or should I  wait it out? We'll weigh payments, inventory, and negotiating power with broker Cory Edge and mortgage pro Dwight Millard. Plus: buydowns, credits, and the smartest contract terms in today's market, all at 3pm!”

Welcome to the second episode of Growing Good on Solana, a three-part mini-series diving head first into the Solana impact ecosystem and highlighting the builders reimagining what's possible with Web3.This series is made possible thanks to support from Superteam Canada and their sponsors. Superteam is helping onboard a new wave of builders into the Solana ecosystem, and we're thrilled to be part of that mission and showcase impact-driven founders using Solana to build for good.Today we're joined by James Bettauer, the Founder and CEO of ecoBridge, a pioneering platform on a mission to make ecological credits and measurable environmental impact universally accessible.We discuss:

Discover why ARM mortgage applications are 25 percent higher.  Are you on track for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest can make the biggest difference to your financial freedom and lifestyle. If you invested well for the long-term, what a difference it would make because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INVESTING IS WHAT THE BE WEALTHY & SMART VIP EXPERIENCE IS ALL ABOUT - Invest in digital assets and stock ETFs for potential high compounding rates - Receive an Asset Allocation model with ticker symbols and what % to invest -Monthly LIVE investment webinars with Linda 10 months per year, with Q & A -Private VIP Facebook group with daily community interaction -Weekly investment commentary -Extra educational wealth classes available -Pay once, have lifetime access! NO recurring fees. -US and foreign investors are welcome -No minimum $ amount to invest -Tech Team available for digital assets (for hire per hour) For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any recurring fees. Enter "SAVE50" to save 50% here: http://tinyurl.com/InvestingVIP Or set up a complimentary conversation to answer your questions about the Be Wealthy & Smart VIP Experience. Request an appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed LINDA'S WEALTH BOOKS 1. Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". 2. Get my book, “You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Men love it too! After all, you are Wealth Heirs. :) International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning.  SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (This post contains affiliate links. If you click on a link and make a purchase, I may receive a commission. There is no additional cost to you.)

For episode 213, we welcome Kent Babin, Co-Founder of CARBON Copy, a research and insights platform tracking the pulse of the ReFi movement, from impact data to capital flows to the emerging narratives shaping Web3's regenerative finance movement.In this episode, we dive into the newly released 2025 State of ReFi Report, which offers one of the most comprehensive snapshots to date of where the regenerative finance ecosystem stands, and where it's headed.Whether you're already building in ReFi or exploring how Web3 can support your climate and social impact goals, this episode is packed with actionable insights and emerging opportunities.You'll learn:

Episode 567 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White, sits down with Jerry Byers to uncover a golden opportunity that's catching many LOs by surprise — homeowners whose HELOCs are now resetting. These borrowers are about to experience a major payment shock, and most don't even realize it's coming. Carl and Jerry break down how you can identify these homeowners (even if you didn't do the original loan), what to say when you reach out, and how to offer solutions that truly help — while also adding to your monthly volume. If you're looking for a timely, targeted way to generate refinance business in today's market, this episode maps out the exact strategy that top producers are already using. Schedule a one-on-one free coaching call, click here or visit LoanOfficerStrategyCall.com.

Is money getting in the way of you and your first (or next) rental property? You're not alone! This is perhaps the most common pain point for new investors. Fortunately, we have some game-changing tips to help you get financing for rental properties—even if you don't have a high-paying job or perfect credit score!   Welcome to another Rookie Reply! Today's first question is from a student looking to purchase their first house hack. They're not sure if they'll be able to qualify for a mortgage based on their current income and job history, but we'll provide some actionable steps to help them reach their end goal as soon as possible.   Next, we'll hear from an investor who's looking to tap into their home equity and fund their next rental property. The catch? If they refinance, their new interest rate will jump up by 5%. Is the investment worth it? We'll weigh the pros and cons. To wrap up, we'll tackle some common landlording problems—high utility bills, tenant headaches, and more! In This Episode We Cover Common money problems new investors face (and how to overcome them) How to find the best financing terms for your rental properties Several ways to tap into your home equity (and fund your next property) The pros and cons of cash-out refinancing at a higher interest rate Keeping your utility costs under control and managing difficult tenants And So Much More! Check out more resources from this show on ⁠⁠⁠BiggerPockets.com⁠⁠⁠ and ⁠⁠⁠https://www.biggerpockets.com/blog/rookie-556 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

Join Jake and Gino as they dive deep into the Pantheon Holistic Wealth Strategy with special guest Dave Wolcott—Marine Corps veteran, wealth architect, and founder of Pantheon Investments. This episode explores the mindset of the ultra-wealthy, tax-advantaged investing, infinite banking, virtual family offices, and the power of building legacy wealth intentionally. If you're tired of chasing dollars and want to learn how to truly multiply your time, capital, and impact—this episode is your blueprint.Grab Dave's book for FREE: https://www.holisticwealthstrategy.com Chapters:00:00 - Introduction  01:20 - What Defines the Ultra Wealthy  06:19 - Dave's Origin Story: From Marines to Multiplying Wealth  09:55 - Traditional Financial Planning vs. Strategic Wealth Building  15:52 - Taxes as an Opportunity, Not a Burden  29:28 - The Private Markets vs. Blue-Chip Stocks  38:29 - Refi and Roll: Jake & Gino's Real-Life Experience  48:07 - Gino Wraps it Up We're here to help create multifamily entrepreneurs... Here's how: Brand New? Start Here: https://jakeandgino.mykajabi.com/free-wheelbarrowprofits Want To Get Into Multifamily Real Estate Or Scale Your Current Portfolio Faster? Apply to join our PREMIER MULTIFAMILY INVESTING COMMUNITY & MENTORSHIP PROGRAM. (*Note: Our community is not for beginner investors)