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What if the premiums you're paying your insurance company could partially come back to you? That's the premise behind captive insurance, and it's been standard practice in large multifamily for years. SFR is just now catching up.In this episode, I'm joined by Nicolas Lares, founder of Insur3Tech, a brokerage that places property managers and rental owners into captive insurance structures (essentially co-owned insurance companies where policyholders share in the underwriting profit).We discuss:(00:02:27) - Nicolas's background in insurance(00:05:18) - Building an insurance company from scratch(00:07:05) - Why carriers left despite profitability(00:13:24) - The origin story of insurance(00:20:19) - Sponsor - Enterprise Bank & Trust(00:15:55) - Are insurance companies unfair?(00:21:43) - What is a captive insurance program(00:25:31) - How captives work for property managers(00:31:34) - Identifying good operators through data(00:34:59) - Administering captive programs(00:37:45) - Sponsor - Haven AI(00:39:14) - Handling disputed claims(00:44:22) - What happens in catastrophic events(00:46:22) - Captives for scattered site managers(00:49:33) - Renters insurance captive profitability(00:53:36) - What people should be asking when shopping captives(00:58:55) - How captives get started and funded(01:02:46) - How InsurTech fits into the market(01:05:34) - ClosingFair warning: I push back on some of the framing. Insurance companies aren't a scam. They run real businesses with real costs. But there may be a better structure for the right operator.Learn more about Insur3TechNicolas on LinkedIn___Resources for Property Managers & Real Estate Entrepreneurs• Crane – Private PM Owner Community → Join a private network of property management owners and operators: https://joincrane.co/• Free Weekly Newsletter → Property management insights, strategies, and industry updates direct to your inbox: https://peter.beehiiv.com/subscribe• RL Property Management → Learn more about Peter's company and services in Columbus, Ohio: https://rlpmg.com/__Disclaimer: The content of this podcast is for informational purposes only and does not constitute professional advice. I may have consulting agreements with, or financial interests in, companies mentioned in this podcast (more info here: https://www.peterlohmann.com/financial-interest-disclosure ). Additionally, some of the links included may be affiliate links, meaning I may earn a commission if you purchase through these links. Always perform your own due diligence before making any financial or business decisions.
Renters are facing record-low vacancy rates, while property managers are under growing pressure as workloads and expectations intensify. Against this backdrop, tenant education is emerging as a potential reset for how the industry supports long-term stability, benefiting both renters and property managers alike. In this episode of the REB Podcast, host Liam Garman speaks with Paul Tommasini, chief executive officer of inCommunity and the Tenancy Skills Institute, about how structured education pathways for tenants could deliver better outcomes across the rental ecosystem – covering budgeting, maintenance and responsibilities. The discussion explores how stable tenancies are becoming increasingly critical in a tight rental market, and how education-led programs are helping tenants build the skills needed to sustain long-term rental relationships while easing pressure on property managers. Tommasini shares how the Tenancy Skills Institute has evolved from supporting young people experiencing homelessness into a broader national initiative, with more than 27,000 participants completing its tenancy education programs. The conversation also examines how early intervention tools like PM Assist are helping property managers identify issues sooner, connect tenants with support services, and reduce the likelihood of disputes escalating to the tribunal. Finally, the discussion challenges common misconceptions around tenancy breakdowns, highlighting the complex mix of financial stress, communication issues and knowledge gaps that often sit beneath rental disputes. Did you like this episode? Show your support by rating us or leaving a review on Apple Podcasts (REB Podcast Network) and by liking and following Real Estate Business on social media: Facebook, X and LinkedIn. If you have any questions about what you heard today, any topics of interest you have in mind, or if you'd like to lend a voice to the show, email editor@realestatebusiness.com.au for more insights.
Following a recent visit to Downing Street to mark the passing of the Renters' Rights Act, Timothy Douglas, Head of Policy and Campaigns at Propertymark, returns to the Citylets podcast to discuss the major issues shaping Scotland's private rented sector, including rental reform, housing supply, taxation, Awaab's Law and increasing pressures on landlords and letting agents.
In this week's Talking Life, Jessica is joined by Eddie Hooker, CEO of mydeposits, to discuss the landmark Renters' Rights Act, which banned no-fault evictions, but, one month on, new data shows widespread confusion is still leaving tenants and landlords in the dark.
Most enterprises are renters, not owners, of their technology and AI. Raffi Krikorian, Chief Technology Officer of Mozilla, explains why dependence on a handful of closed model providers means losing control over model behavior, pricing, and your own data.In CXOTalk episode 920, Krikorian lays out where open-source AI actually wins in the enterprise, how lock-in happens quietly, and what CIOs and CTOs should do about it now. Krikorian draws on his experience building infrastructure at Twitter and running the self-driving division at Uber to ground the discussion in real engineering and economic tradeoffs, not hype.YOU'LL DISCOVER✅ Why 85% of enterprises believed they could switch AI vendors, but only about 30% actually could when they tried✅ The "renters vs. owners" framing and what it means to control your AI destiny✅ Why Krikorian wants data "protected by architecture, not legal handshakes"✅ How Pinterest reportedly saved on the order of $10 million in a single quarter by switching from closed to open models✅ Why IT is becoming "the HR team for agents," and the read/write "dangerous triangle" of agentic permissions✅ The case for recording your prompts and running your own evaluations instead of trusting public benchmarks✅ Why roughly 70% of enterprise GPUs sit idle, and the missing "LAMP stack for AI" that could put them to work✅ How closed "validation machines" can quietly steer answers toward sponsored outcomes⏱️ TIMESTAMPS (estimated, verify before publishing)0:00 Renters vs. owners: who controls enterprise AI2:26 The risks of depending on closed model makers6:23 How lock-in happens and where open source fits9:53 Regression testing and building your own evals13:24 Pricing instability and the post-IPO cost question23:31 Governance: IT as HR for AI agents32:38 Can a small organization own its AI stack end-to-end?38:47 Validation machines, trust, and sponsored answers43:39 Keeping humans at the center, not in the loop47:23 Can open source beat big tech in AI?51:39 Inside Mozilla.ai: Otari, CQ, Octanus, Thunderbolt55:21 The "rebel alliance" strategy
Send us Fan MailFive things worth knowing this week.1. Prices dip, transactions drop.Halifax confirmed a 0.1% fall in UK house prices in May. London and the South East led the decline. Residential transactions fell 3% in April to just over 101,000. Higher inflation expectations are keeping borrowing costs elevated despite recent cuts. For prime London owners, the headline number is less important than the direction — when transactions fall, liquidity tightens, and liquidity is what protects value when you need to move.2. Legal complexity at the top end is accelerating.Compliance demands, AML requirements, and due diligence obligations are adding time, cost, and friction to high-value completions. This is not new — but it is getting faster. Assembling the right legal team before you need it is now part of the transaction itself.3. The Remediation Bill — another layer.Coming on top of leasehold reform, the Renters' Rights Act, and successive tax changes, the Remediation Bill adds to a regulatory stack that is now material in its cumulative weight. If you have multiple properties or development interests, map your exposure now.4. Planning reform: fewer decisions to committee.The government's National Scheme of Delegation will mean more decisions delegated to officers, fewer going to committee. Faster in theory — but less opportunity to challenge through the political process. The officer relationship matters more than it used to.5. India's UHNWI population up 27% by 2031.India's ultra-high-net-worth cohort is projected to cross 25,000 individuals by 2031. Mayfair, Knightsbridge, and Marylebone have all seen sustained Indian UHNWI interest over the past decade. As that population grows, so does the pool of prospective prime London buyers. A demand story worth watching.The full bulletin is in the first comment.Reply if you would like it direct to your inbox each Tuesday.The London Property Podcast Hosted by Farnaz Fazaipour, londonproperty.co.ukIndependent intelligence for serious London property owners and investors.Every episode cuts through the noise with 30 years of prime London market experience no estate agent spin, no vested interests. Just practical insight on where the market is moving, what the legislation means for your wealth, and where the real opportunities are.Trusted by 1,500 HNWI members across the UK and internationally.Topics include prime and super-prime London, leasehold reform, IHT planning, rental market shifts, regeneration areas, and the tax and legal changes every serious owner needs to understand. #LondonProperty #PropertyInvestment #LondonRealEstate
Greg Hawks is a keynote speaker, author, and corporate culture specialist who challenges leaders and teams to Act Like an Owner. For more than 25 years, he has partnered with organizations across the country to reshape culture, deepen trust, and activate ownership mindsets. Earlier in his career, Greg spent a decade as Executive Director of a nonprofit, leading teams through complex challenges and building environments where people contributed their best. That experience became the foundation for his work with companies of every size, from ESOPs and credit unions to Fortune 500 corporations and national associations. In his upcoming book, Act Like an Owner: Five Unlocks for Creating Culture People Love and Results Leaders Need, Greg introduces vivid metaphors and frameworks such as Owners, Renters, Vandals, the Five Unlocks, and the 3D Plan for designing culture intentionally. Known for his energetic presence, distinctive language, and practical strategies, Greg equips executives and employees alike to re-engage, increase accountability, and spark growth. Today, his work transforms workplaces into ecosystems where an ownership culture becomes the competitive advantage.
A new report has found New Zealand renters are better off than a year ago. The Regional Rental Affordability Index found affordability improved in most of the country over the past 12 months, as rents ease and incomes rise. Property Investors Federation Advocacy Manager Matt Ball says it's not the same story in every region, but renting is definitely more affordable. "If you look at Auckland - rents have been flat in Auckland for a number of years now, so renters are in a much better position now than they have been in previous years." LISTEN ABOVESee omnystudio.com/listener for privacy information.
Seattle City Councilmember Rob Saka (who is going to run for Mayor) is sounding the alarms about Seattle’s business environment. Left-wing activists want the city of Seattle to issue a state of emergency for LGBTQ people. Renters in the Seattle-area are paying more than double double housing costs to own a home. // LongForm: GUEST: Fox News Host Rachel Campos-Duffy on her new book All American Patriotism: Celebrating 250 Years of America's Greatness. // Quick Hit: CENTCOM Commander Admiral Bradley Cooper got into a heated exchange with Rep. Seth Moulton (D-MA) over the conflict in Iran. A Panda Express customer in Lakewood says he was told to leave over his MAGA hat.
Inspired in part by Mayor Mamdani's Rental Ripoff Hearings, tenants are fed up by broken elevators, heat outages, and flooding in "luxury" buildings charging $4,000 to $6,000 a month. WNYC housing reporter David Brand joins us to talk about the new class of tenant associations fighting back. Photo: David Brand -Got any questions, comments or story ideas? Send us a message at NYCNow@WNYC.org Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
In today's episode of Trending Middle East, Iran launches missile and drone attacks on Bahrain, Kuwait and civilian shipping in the Gulf, while US forces intercept projectiles and carry out strikes on an Iranian military site on Qeshm Island. US Secretary of State Marco Rubio says any peace agreement will require Iran to accept long-term limits on its nuclear programme, with further negotiations expected after the Strait of Hormuz reopens. The head of the International Atomic Energy Agency describes last month's drone strike on the UAE's Barakah Nuclear Power Plant as “simply unacceptable” and warns of the risks of targeting civilian nuclear infrastructure. In Lebanon, Israeli strikes kill at least a dozen people, despite efforts to halt the fighting, with violence continuing to complicate wider US-Iran negotiations. And Abu Dhabi announces a temporary freeze on rent increases for residential, commercial and industrial properties, offering relief to tenants facing rising living costs. Trending Middle East is AI-assisted, using original reporting published in The National and curated and edited by humans.
It's been a challenging few months in the property market.Rising tenant arrears, stubborn interest rates, contractor failures, affordability pressures, and continued uncertainty around legislation are creating new challenges for landlords and investors across the UK.In this episode, I pull back the curtain and share a completely honest update on what's happening inside my own businesses right now. From portfolio performance and tenant issues to development projects, AI efficiencies, and where I'm deploying capital next, this is a transparent look at the realities of investing in today's market.
What do you do when you're already fully booked… but still not making enough money? In this live coaching session from LashCon, Sheila Bella sits down with a lash artist who rebuilt her business from scratch in a new city and hit $7K months fast—but now feels stuck on how to grow without burning out. In under 20 minutes, Sheila identifies the real opportunity: not more clients… but smarter scaling. From raising prices to hiring your first team member, this episode breaks down exactly how to double your income without doubling your workload. If you've hit your capacity and feel capped in your income, this episode will show you the next move.
We take a look at what the rental market is like in Greater Cincinnati and compared to other cities.
Simon breaks down the controversial topic of rent controls and explains why enforcing rent caps ultimately backfires on the private rental sector, drawing from real-world examples in Scotland and analysing the upcoming impacts of the Renters' Rights Act 2025 KEY TAKEAWAYS When Scotland implemented a rent cap to protect existing tenants, landlords responded by aggressively hiking initial rents on empty properties and selling off stock, which ultimately constricted supply and drove average rents up. Anti-profit mindsets fail to recognise that property investments carry high financial risk, and the taxes generated from these profits are what directly fund public systems like the NHS and social housing. Historically, landlords avoided annual rent increases to retain good tenants, but strict caps linked to inflation or market rates will likely incentivise them to maximise rent hikes every single year. Artificially lowering rental prices reduces available housing and shifts the financial burden onto local councils for expensive emergency housing, ultimately leaving tenants with fewer places to live. BEST MOMENTS "Rent caps don't work. It would be a crazy policy for any government to introduce." "The vast majority of landlords don't raise their rents on an annual basis... because if you have a good tenant in the property, you want to keep them there." "Why would anyone do a business, take on the risk of having a business, if they can't make a profit?" "The problem where any government tries to intervene in a free market and try and control it too much, is it puts everything out of skew." VALUABLE RESOURCES To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 www.pinmeeting.co.uk pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/
Andrea's guest came to her attention through a social media video that struck a chord with many people. In it, he spoke about the difficulties of finding accommodation in Dublin for his 82-year-old father…Gordon Hickey, known online as @Do.Dublin.Better, shared the video with his dad, detailing their ongoing struggle to find suitable housing that would allow him to live closer to his family.Gordan and his dad Larry join to discuss this experience.
The Government reiterated its commitment to leasehold reform in last month's King's Speech, with pledges to cap ground rents and abolish new leasehold flats – but how will this work in practice? This month's podcast looks at what the Government is proposing – and potential sticking points with plans as they stand. With the first phase of the Renters' Rights Act coming into force last month, we also take a look at the new section 8 grounds landlords will need to use to take possession of their properties. The 37 grounds cover everything from selling the property to arrears and anti-social behaviour and we examine what they cover, how to use them and the evidence you are likely to need to provide. We also hear more about the calls coming in to the NRLA landlord support team over the last month. Meet the guests We speak to Roger Southam, former chair of the Leasehold Advisory Service (LEASE) and NRLA chief policy officer Chris Norris to get their take on the Government's proposed Commonhold and Leasehold Reform Act. Carly Jermyn, property dispute specialst and managing director of Woodstock Solicitors (www.woodstocklegalservices.co.uk) joins us to talk through the revised section 8 grounds, how they are likely to be interpreted and the potential implications for landlords, with NRLA training and development officer Hannah Kenyon discussing members' questions when it comes to assured periodic tenancies. You can listen and watch the podcast via the NRLA website or your preferred streaming service. To watch the video, you will need to tune in on Spotify or watch on YouTube. If you enjoy the show, please spread the word on your social media channels using the hashtag #listenuplandlords. For all podcast enquiries email press@nrla.org.uk ACCREDITATION: You can now pick up a CPD point to be used towards NRLA accreditation by listening to the podcast. To log your point, visit the accreditation dashboard in the 'Your Account' section of the NRLA website. Select 'Other' then 'NRLA Podcast' from the dropdown menu. Listen Up Landlords is brought to you by the NRLA. Hosted by: Ben Beadle & Richard Blanco Produced by: Sally Walmsley Video Production: Alexandra Southerington
Feeling priced out of homeownership in 2026? This episode breaks down why affordability may actually be improving for first-time buyers.Rising home prices and mortgage rates have convinced many renters that buying a home is impossible, but the real math tells a different story. This episode explains why 2026 is more affordable than 2023 and how lower interest rates are quietly creating better opportunities for first-time buyers. Listeners learn how credit scores, debt-to-income ratios, savings, and income requirements affect mortgage approval in today's market. The episode also exposes the danger of outdated advice and shows how education and strategy can help buyers move forward with confidence instead of fear.“It's time to once again bring you hope and possibilities with my favorite friends. Math and data.” — David Sidoni, First Time Homebuyer CoacHighlightsIs buying a home in 2026 actually more affordable than it was three years ago?How much do lower mortgage rates change your monthly payment and buying power?What do credit scores, debt, savings, and income really mean for mortgage approval today?Why are so many first-time buyers getting bad advice about the housing market and affordability?Check out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!
Rory McGowan sits down with Eddie Hooker, the CEO ofmydesposits, to talk all about the things that have slipped through the cracks when it comes to the implementation of Renters' Rights. How many renters and Landlords still don't know about the changes, and what are the consequences ofsuch a gap in knowledge?
Rents in Rome were unaffordable in 164 BCE. We've had 2,000 years to fix the housing crisis. Here's why we haven't.From ancient Roman insulae and the Great Fire of London to Hoovervilles, Margaret Thatcher's Right to Buy scheme, the 2008 financial crash, and BlackRock, this is the complete history of the housing crisis.We cover the Welsh second homes scandal, Barcelona's tourist backlash, why the richest generation in history can't afford to buy, and the solutions that actually work, including Vienna's social housing model, community land trusts, and the Renters' Rights Act 2025.https://www.patreon.com/HistorysGreatestIdiotshttps://www.instagram.com/historysgreatestidiotshttps://buymeacoffee.com/historysgreatestidiotsArtist: Sarah Cheyhttps://www.fiverr.com/sarahchey
In this episode, Bethany sits down with culture expert Greg Hawks to unpack what it really takes to build an ownership culture that fuels engagement, accountability, and results. Greg breaks down why most workplace cultures drift into dysfunction (hint: it's not intentional) and how leaders can shift from overwhelmed managers to culture shapers. From the three workplace mindsets—owners, renters, and vandals—to the power of accountability and trust, this conversation is packed with practical leadership insight. You'll also hear why AI can't fix broken leadership—and what actually will. Key Takeaways: Why culture is the environment leaders intentionally (or unintentionally) create The 3 employee mindsets: owners, renters, and vandals How leaders can activate ownership instead of wishing for “better people” Why accountability is a progress partner, not punishment The role of trust, humility, and language in shaping culture Greg's 5 Unlocks for building a culture people love Why upgrading your “human operating system” matters more than AI tools
The Renter's Rights Act came into force at the start of May, and it marked the biggest change to how private rentals work in England in a generation. There are a host of new protections and legal entitlements for renters, and many potential pitfalls for landlords to consider. Assured shorthold tenancies have been abolished, and have automatically been converted into rolling tenancies - sometimes known as ‘assured periodic tenancies'. It means that the tenancy has no automatic end date. Section 21 notices - also known as "no fault" evictions have been abolished, and Landlords are not allowed to ask for more than 1 months' rent as a deposit. Bidding wars for rental properties are now forbidden, and there are measures to limit rent increases. But it doesn't apply to all renters in all properties.What about students? They all rent, but only some students are covered by the Act. And if landlords don't follow the new laws carefully, they could face fines of thousands of pounds. So what are the details that property owners and their tenants need to know?Presenter: Dr Joelle Grogan Producer: Ravi Naik Editor: Damon Rose Contributors: Siobhan Taylor-Ward, a Housing Solicitor at Lawstop on the Wirral Nermin Suleman, an associate solicitor at Prosperity Law in Manchester Tim Wrigley a partner at Wrigley's Solicitors in Leeds
A huge amount is about to change for anyone who rents their home or who owns a rental property in England. The Renters' Rights Act comes into force on May 1 and there's a lot in it, from ending so-called 'no fault' evictions to limits on rent increases. It will make a big difference to 11 million private renters and their 2.3 million landlords. After all, for tenants it involves their homes while for landlords it concerns their financial security.Felicity Hannah is joined by Rachael Williamson, director of policy at the Chartered Institute of Housing; Ben Beadle, chief executive of the National Residential Landlords Association; and Tarun Bhakta, policy manager at the housing charity Shelter.Together they address listeners' questions on how the new law will affect different aspects of the rental market, including tenancies, evictions and how anti-discrimination measures will work.Presenter: Felicity Hannah Producer: James Graham Editor: Jess Quayle Senior News Editor: Sarah Wadeson(First broadcast 3pm Wednesday 29nd April 2026)
Target Market Insights: Multifamily Real Estate Marketing Tips
Kevin Jacobsen is the CEO of Foxen, a proptech company modernizing multifamily operations with value-add compliance and financial wellness solutions. A former investment banker and private equity professional, Kevin built his career working on technology M&A transactions, IPOs, and capital allocation before moving into operating roles at high-growth SaaS companies. He previously served as CEO of LogicGate and CFO at Kapow. At Foxen, Kevin leads a platform that has served approximately 3 million residential units across the country, offering renters insurance compliance, resident rent reporting, and pet compliance solutions to multifamily owners and operators. Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here. Key Takeaways Around 40% of residents required to carry renters insurance don't have active coverage, creating real exposure for operators Without resident coverage, a claim defaults to the property policy, which can carry a $50,000 to $100,000+ deductible Renters pay 25 to 35% of after-tax income on rent but receive no credit benefit from on-time payments 85% of renters say they want rent reporting; only about 10% currently have access to it Proptech companies thrive by staying specialized rather than spreading thin across too many solutions When evaluating a deal or operator, trust is the primary filter: if something feels too good to be true, dig harder Topics From Investment Banking to Multifamily Proptech Kevin started in investment banking after college, working on technology M&A, IPOs, and capital allocation He moved into private equity before finding his footing as an operator of high-growth technology companies He joined Foxen as CEO four years ago and has been focused on building the company's presence across the multifamily industry The Three Core Solutions Foxen Offers Renters insurance compliance ensures all residents maintain active coverage as required by their lease Rent reporting (branded as Rent Street) reports on-time rent payments to credit agencies so residents can build a credit profile Pet compliance manages documentation collection, emotional support animal verification, and HUD-related regulatory requirements The Renters Insurance Compliance Problem Roughly 40% of residents who are required to carry coverage do not have an active policy, either due to lapsed payments or intentional cancellation Property management teams have historically had no scalable way to track and enforce this in real time Foxen tracks compliance and gives residents a choice: maintain their own policy or enroll in a waiver program with no deductible exposure The Financial Wellness Gap in Rental Housing Mortgage payments are automatically reported to credit agencies; rent payments are not, leaving a major gap in the financial reporting ecosystem Renters pay a significant share of their income on rent and build no credit history from it California recently passed a law requiring property management companies to offer rent reporting; other states are evaluating similar legislation How Foxen Thinks About Product Growth There are approximately 50 million rental units in the US; Foxen has served roughly 3 million, signaling significant runway The company focuses on specialized, complex functions that property managers do not want to own in-house Clients increasingly want fewer vendors, not more, which creates a clear opportunity for companies that can deliver multiple services reliably through a single integration
Chair: Akanksha Soni, news editor Speaker: Emmanuel Day, senior director new business - Living sector, RentGuarantor As the UK rental landscape undergoes its most significant transformation in a generation, the shift toward a professionalised "living sector" is creating a unique crossroads for landlords and investors. This episode, recorded at UKREiiF, will explore how the pressures of new legislation like the Renters' Rights Act are opening doors for more resilient, de-risked assets. By looking past the regulatory noise, we uncover a story of how institutional-grade security and tenant financial well-being are becoming the twin engines driving the next era of property development and finance.
In this week's episode, Damien discusses new research on the 4% pension withdrawal rule, exploring sustainable retirement income rates and the optimal asset allocation between equities and bonds. Andy then examines the latest property market data, highlighting the growing regional divide in UK house prices and what the current market conditions mean for both buyers and sellers. Finally, he looks at the latest rental sector data and what it means for renters and landlords.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign up to our weekly newsletterMTTM Podcast Episode 517 - The 4% rule and inheritance tax changesMTTM Podcast Episode 210 - Debunking the 4% ruleMorningstar research table summary on safe withdrawal ratesUK Residential Survey April 2026UK house prices rise 1.2% in MAy but Rightmove warns against overpricingDetails on the new Renters' Rights Act rules
Today, we’re bringing you the best from newsrooms across Washington. First, rising diesel prices are squeezing the Pacific Northwest fishing industry. They're cutting into profits and adding new uncertainty to an already challenging business. Next, for around 15 years, people have slowly dug up mammoth bones near the Tri-Cities. Along the way, people have made a lot of other discoveries. And finally, renters in six apartment complexes in Tacoma have voted to form unions in the last six months. We can only make Seattle Now because listeners support us. Tap here to make a gift and keep Seattle Now in your feed. Got questions about local news or story ideas to share? We want to hear from you! Email us at seattlenow@kuow.org, leave us a voicemail at (206) 616-6746 or leave us feedback online.See omnystudio.com/listener for privacy information.
Seattle City Councilmember Rob Saka (who is going to run for Mayor) is sounding the alarms about Seattle’s business environment. Left-wing activists want the city of Seattle to issue a state of emergency for LGBTQ people. Renters in the Seattle-area are paying more than double double housing costs to own a home. // As the World Cup nears, Seattle and Washington State as a whole still don’t have nearly enough cops and Bob Ferguson’s efforts to resolve the problem haven’t made any progress. // Tulsi Gabbard is stepping down as Director of National Intelligence. TSA is going start offering offsite screening.
In just a few days time the biggest shake up to renters rights in a generation will come into force in England. It will mean no more than one rent increase a year, an end to bidding wars an end to no fault evictions. The Renters' Rights Act will significantly change the current system not just for 11 million private renters in England but also their 2.3 million landlords. How will it work in practice?There's a call for urgent reform of recently introduced fraud regulations to better protect victims of push payment scams - when people are tricked, groomed or manipulated into transferring money to criminals. National Trading Standards says a 13 month time limit on how long people have to tell their banks they've been scammed means some victims aren't being refunded because it often takes much longer than that before they even realise their money's been stolen. The Payment Systems Regulator, which introduced the rules, says they provide a minimum standard for banks to meet. UK Finance says only a small number of cases ever fall outside the 13 month deadline and victims can always complain to the Financial Ombudsman Service.We'll ask if you should fix your energy bill now.And, how a disabled man lost £5,000 he'd raised for a new wheelchair after paying it into the wrong bank account.Presenter: Felicity Hannah Reporters: Dan Whitworth and Niamh McDermott Researcher: Jo Krasner Editor: Jess Quayle Senior News Editor: Sara Wadeson(First broadcast 12pm on Saturday 25th April 2026)
What if creating a culture of ownership had nothing to do with your organisation and everything to do with you? In this episode of Sticky From The Inside, Andy Goram is joined by Greg Hawks to challenge one of the biggest assumptions in workplace culture today, that ownership is something leaders create and employees receive. Greg flips that thinking on its head. This conversation explores why ownership isn't a corporate initiative, a leadership tactic, or something written into a job description. It's a personal choice. One that shapes how we respond to challenges, how we engage with others, and ultimately, how fulfilling our work feels. Together, Andy and Greg unpack: Why disengagement often comes from a “done to me” mindset The difference between owners, renters, and vandals in organisations Why most companies are trying to fix the wrong problem How language, trust, and mindset shape our daily experience at work What it really takes to create a culture where people care, contribute, and step up If you've ever felt frustrated, disengaged, or like work is something that happens to you, this episode offers a powerful reframe. Because creating a culture of ownership doesn't start with leadership. It starts with a choice. ----more---- Key Takeaways Ownership starts with personal choice. Ownership is not given by organisations, it's a decision individuals make to regain control, perspective and fulfilment. Culture is shaped by everyday behaviour. A culture of ownership emerges from consistent individual choices to care, contribute and take responsibility. Not all disengagement is equal. Owners, renters and vandals influence culture differently, and unchecked vandals can actively undermine engagement. Leaders create the conditions for ownership. Ownership grows when people experience meaningful return, hear specific recognition, and see clear behavioural standards upheld. ----more---- Key Moments The key moments in this episode are: 00:01:11 – Should Employees Really Care Like Owners? 00:02:56 – Setting the Stage: What Drives Ownership at Work? 00:06:05 – Ownership Isn't for the Company—It's for You 00:08:04 – Breaking Free from the “Done To Me” Mindset 00:12:22 – What a True Culture of Ownership Actually Feels Like 00:14:49 – Unlock #1: Why Risking Bold Commitments Changes Everything 00:17:16 – Owners, Renters and Vandals: The Mindsets That Shape Culture 00:20:16 – Why Most Organisations Are Fixing the Wrong Problem 00:22:30 – Unlock #2: Activating Lasting Value Through Words 00:27:30 – From Mindset to Behaviour: Ownership, Trust and Personal Return 00:39:30 – Designing the Conditions for a Culture of Ownership 00:44:35 – Sticky Notes: Three Truths About Ownership and Fulfilment ----more---- Join The Conversation Find Andy Goram on LinkedIn here Listen to the Podcast on YouTube here Follow the Podcast on Instagram here Follow the Podcast on Twitter here Follow the Podcast on Facebook here Check out the Bizjuicer website here Get a free consultation with Andy here Check out the Bizjuicer blog here Download the podcast here ----more---- Useful Links Follow Greg Hawks on LinkedIn here Find Greg's website here Find the book Act Like An Owner here ----more---- Full Episode Transcript Get the full transcript of the episode here
Social housing and support services are concerned about changes they say will make life worse for thousands of the country's poorest tenants. Political reporter Lauren Crimp reports
The cost of renting in County Clare continues to climb sharply, with the latest figures showing new tenants now paying almost €600 a month for a single room in a house. According to the latest Daft.ie rental report, market rents rose by 4.4% nationally in the first quarter of 2026 — the biggest quarterly increase recorded since the series began in 2002. In Clare, the cost of a three-bed home has risen by 8.3%, while four-bed properties are now over 20% more expensive than this time last year. To discuss this further, Daragh Dolan was joined by Homeless support worker and Shannon Sinn Féin representative, Shane Doody and Clare SVP President, Gerardine Power. by Kanjana Jorruang from Getty Images via Canva
Key Topics Covered: 1. Helping Renters Become Homeowners Creating structured pathways from renting to ownership. Allowing tenants to move into properties while preparing financially for a mortgage. 2. The Challenges Facing First-Time Buyers Mortgage approval criteria often prevent capable renters from buying. Many renters already pay amounts comparable to mortgage repayments. 3. A Roadmap to Mortgage Readiness Building a step-by-step plan to improve financial positioning over time. Helping buyers understand deposits, affordability, and lender requirements. 4. Landlords Exiting the Market Increasing regulation, taxation, and compliance pressures are driving many landlords to sell. The changing environment has reduced profitability and increased risk. 5. Impact of Renters' Rights Legislation New rules are reshaping the landlord and rental landscape. Landlords are becoming more cautious about remaining in the sector. 6. Creative Property Solutions Exploring alternatives beyond the traditional buy-to-let and purchase models. Creating win-win opportunities for both tenants and landlords. 7. Long-Term Financial Planning Using property as part of a wider strategy for financial security and stability. Focusing on gradual progress rather than immediate results. 8. Making Homeownership More Accessible Providing education and support to help more people navigate the property market. Breaking down barriers that stop renters from progressing financially. Actionable Takeaways Consider mentoring or sharing your knowledge to help others start their own wealth-building journey while reinforcing your learning. Create a clear financial roadmap if you plan to buy a property in the future, focusing on affordability, deposits, and mortgage readiness. Review your spending and savings habits to improve your long-term mortgage position. Explore alternative pathways to homeownership rather than relying solely on traditional purchasing methods. If you are a landlord, assess how changing regulations and market conditions affect your long-term strategy. Consider flexible exit strategies that can benefit both landlords and future homeowners. Focus on steady financial progress instead of waiting until everything feels perfect before taking action. Build your financial knowledge around mortgages, lending criteria, and property ownership to make more informed decisions. Think long term when approaching property, using it as part of a wider plan for stability and wealth building. Resources & Next Steps WealthBuilders Membership: Free access to guides, webinars, and community Download our FREE Pensions and Inheritance Tax Guide BeHomed - A proven path to homeownership Connect with Us: Listen on Spotify, Apple Podcasts, YouTube, and all major platforms. Next Steps On Your WealthBuilding Journey: Join the WealthBuilders Facebook Community Schedule a 1:1 call with one of our team Become a member of WealthBuilders If you have been enjoying listening to WealthTalk - Please Leave Us A Review!
Rewiring Australia CEO Francis Vierboom on what governments can do to help renters cut their energy bills, like giving them access to portable solar and battery options. Plus news of the week.
Market rent rose by 4.4 per cent between December and March, the largest quarterly increase in rents extending back to 2002. That's according to the newest Daft report, which is the first since new legislation on rent came into effect. To discuss the findings further was Ronan Lyons, Professor in Economics at Trinity College Dublin and author of the report.
Simon addresses a critical and timely concern for property investors and homeowners alike: the high likelihood of rising interest rates in the UK. Driven by the geopolitical conflict in Iran and its looming, inflationary impact on oil prices, energy costs, and the global supply chain, he explains why the Bank of England will likely be forced to raise base rates to cool down the economy. KEY TAKEAWAYS Geopolitical tensions are expected to drive up oil and energy costs, triggering widespread inflation across the UK supply chain and forcing the Bank of England to raise interest rates. Investors and homeowners should immediately review their mortgage portfolios—especially those on variable rates or with promotional deals expiring in 2026—to secure fixed rates before borrowing costs increase. It may be financially smarter to pay an early redemption penalty now to lock in a lower fixed rate, rather than waiting for the penalty period to end and facing significantly higher interest charges later. While borrowing costs are rising, property investors can expect rental income to increase over the next five years due to inflation and the legislative impacts of the Renters' Rights Act. BEST MOMENTS "When inflation goes up, generally they put interest rates up to cool down the economy." "Maybe it's worth paying it off sooner than you would normally and paying the penalty, because that might be less than you might pay in increased charges if you wait to fix your mortgage." "Although your interest rates are the same, the rent you're going to receive is going to go up over time, obviously subject to affordability." "As ever, I encourage you to invest with knowledge, invest with skill." VALUABLE RESOURCES To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 www.pinmeeting.co.uk pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/
Renters near UH Manoa say they’re still recovering from March’s Kona Low storm damage, and now their landlord is raising rent. Two kupuna were pronounced dead in separate water emergency incidents. Plus, Kamehameha Highway near Waimea Bay now has new rockfall protection.See omnystudio.com/listener for privacy information.
A Senate inquiry into intergenerational housing inequality begins; the Opposition leader defends a proposal to cut welfare to non-citizens; and in sport, Australian sprinter Eddie Nketia wins big on the track in Nebraska.
Economic HeadlinesA temporary U.S.-China trade truce announced this week sent markets sharply higher, offering the first sustained relief investors have seen in months. The good news stopped there for most consumers, though, as the broader economic picture remains one of elevated costs and cautious hiring.Energy and Inflation: Brent crude has pulled back modestly from recent highs on ceasefire optimism, and the national gas average sits near $3.85/gal according to AAA, roughly flat from last week but still well above year-ago levels. The Fed's preferred inflation gauge remains above target, and while the trade pause reduces near-term tariff pressure, the pass-through of earlier cost increases into consumer goods is still working its way through household budgets.Capital Markets: The S&P 500 surged on trade deal news, recovering a meaningful portion of its year-to-date losses. The Dow followed suit. Whether the rally holds depends largely on whether the 90-day truce translates into a durable agreement, and most economists are not counting on it.Mortgage Rates: The 30-year fixed rate remains elevated near 6.8% according to Bankrate, keeping the for-sale market effectively frozen for millions of would-be buyers. That lock-in effect continues to support renter retention, though it does little to help operators push rents in markets where household income growth has stalled.The market rally is welcome, but it does not immediately change the math for renters or operators. Tariff uncertainty, sticky inflation, and a job market that is adding positions unevenly mean demand-side pressure on multifamily remains measured heading into the peak leasing season.Explore our webpage for more insights and resources:https://bit.ly/Radix_Website
Speculation was rife in the lead up to this year's budget about what it would contain for housing investors. Now we know what Treasurer Jim Chalmers has planned for the capital gains tax discount, and negative gearing regime, both of which have been blamed for favouring investors over first home buyers and inflating prices. What do the changes mean for renters and potential buyers in the housing market? - आर्थिक वर्ष सन् २०२६-२७ को बजेट अघि आवास क्षेत्रमा लगानी गर्नेहरूका लागि के-कस्ता प्रावधान आउलान् भन्ने विषयमा व्यापक अड्कलबाजी भइरहेको थियो। गत मङ्गलवार आफ्नो पाँचौँ बजेट घोषणा गर्दै ट्रेजरर जिम चामर्सले, लगानीकर्ताहरूको साटो पहिलो पटक घर किन्ने ‘फर्स्ट होम बायर्स'हरूलाई प्राथमिकता दिने भन्दै ‘क्यापिटल गेन्स ट्याक्स' छुट र ‘नेगेटिभ गियरिङ'मा फेरबदल गरिने बताएका छन्। घरजग्गा बजार र सम्भावित घर खरिदकर्तामाथि यसको असर कस्तो पर्ला? एक रिपोर्ट।
Speculation was rife in the lead up to this year's budget about what it would contain for housing investors. Now we know what Treasurer Jim Chalmers has planned for the capital gains tax discount, and negative gearing regime, both of which have been blamed for favouring investors over first home buyers and inflating prices. - Berî budceya îsal gelek texmîn hebûn ka ew ê ji bo kesên ku milkê veberhênanê hene çi wateyê bide. Niha em dizanin Xeznedar Jim Chalmers bi kêmkirina bacê li ser qezencên ji firotina milk û rêgezên bacê yên ku dihêle veberhêner bacê kêm bikin dema ku milkê wan yên kirê pereyan winda dikin, çi plan dike ku bike. Ev rêzikname ji ber ku ji kirrûbirên xaniyên yekem bêtir alîkariya veberhêneran dikin û bihayên xaniyan bilind dikin, hatine rexnekirin.
Speculation was rife in the lead up to this year's budget about what it would contain for housing investors. Now we know what Treasurer Jim Chalmers has planned for the capital gains tax discount, and negative gearing regime, both of which have been blamed for favouring investors over first home buyers and inflating prices. What do the changes mean for renters and potential buyers in the housing market?
From Met Gala red carpet dresses and protests targeting Jeff Bezos, to growing concerns over a spreading hantavirus outbreak, and the deepening housing struggle facing Philadelphia renters—we're breaking down the biggest headlines everyone's talking about. Tune in for an entertaining, real-talk conversation that connects pop culture, public health, and the issues hitting everyday people right here at home.We Talk Weekly News is a news and culture radio show delivering powerful analysis, real conversations, and unfiltered commentary on the biggest stories shaping our world today. On WPPM 106.5 FM Philadelphia every Saturday at 8 p.m. to 10 p.m., hosted by celebrity stylist & radio personality Charles Gregory, journalist and media personality Lauren "Sizzle" Settles and health correspondent "Classy Lady" Sparkle Howell. We feature expert guests, political and public figures, celebrities, and community leaders combined with legal and law enforcement analysis and commentary.Since 2013, we've been up close and personal with public figures such as: Actress Entrepreneur Vivica A. Fox, Rapper Doug E. Fresh, Yandy Smith, Rapper Chubb Rock, Les Twins, Celebrity Boxing CEO Damon Feldman, Mayor Cherelle Parker, Chrisean Rock, Actor Darrin D. Henson, Basketball Wives Jackie Christie, Senator Vincent Hughes, Rapper Roxanne Shaunte, Republican Councilmember David Oh, Reality Stars/Entrepreneurs Angela Simmons, Jo Jo Simmons, and Vanessa Simmons; Actress/Comedian Torrei Hart, Rapper Charlie Baltimore, Actor Robert Ri'chard, Activist Tamika Mallory, District Attorney Larry Krasner and the list goes on!We Talk Weekly News takes you beyond the headlines with breaking news, political analysis, entertainment updates, and trending cultural conversations all through a sharp, informed, and unapologetically urban lens. From U.S. politics and policy to global events, celebrity headlines, music, and the viral moments everyone's talking about — this is where news meets culture and perspective meets truth.Become a supporter of this podcast: https://www.spreaker.com/podcast/we-talk-weekly-news--2576999/support.Subscribe to We Talk Weekly News' YouTube channel for full podcast video show episodes:https://www.youtube.com/@WeTalkWeeklyTVFollow We Talk Weekly News across all social media platforms for exclusive content, breaking updates, and behind-the-scenes access:Instagram: https://www.instagram.com/wetalkweeklyTwitter (X): https://twitter.com/WeTalkWeeklyFacebook: https://www.facebook.com/wetalkweekly
Renters advocates are calling for better protections to stop students and vulnerable people falling prey to what they term 'slumlords.' Three flat mates are taking their previous landlord to the Tenancy Tribunal after their flat constantly flooded and was riddled with mould.It's added to growing calls for greater accountability and stronger enforcement of the Residential Tenancies Act and Healthy Homes Standards. Bella Craig reports.
Many multifamily markets have been struggling, but not all. New Hampshire, for example, has been doing extremely well for a number of years, and continues to outperform many markets. This is because New Hampshire continues to experience employment and population growth, and there's been almost no new supply for decades. Renters have left Boston and migrated north to New Hampshire for lower rents, no sales tax, and no income tax. Axel Ragnarsson, founder of Aligned Real Estate Partners, buys 10–50-unit value-add apartment buildings in Southern New Hampshire directly from sellers, and has achieved a stellar track record with buying at a discount and vertical integration.
The Trump administration announced a big change in how people's credit is assessed when applying for mortgages. Instead of only using FICO scores to prove creditworthiness, prospective homebuyers can now use a separate score model — one that considers things like rent and utility payment history — when applying for loans from mortgage lenders, including Fannie Mae and Freddie Mac. Also on the show: discussions of the market's bullishness and plans for a graduate degree in a tumultuous job market.
The Trump administration announced a big change in how people's credit is assessed when applying for mortgages. Instead of only using FICO scores to prove creditworthiness, prospective homebuyers can now use a separate score model — one that considers things like rent and utility payment history — when applying for loans from mortgage lenders, including Fannie Mae and Freddie Mac. Also on the show: discussions of the market's bullishness and plans for a graduate degree in a tumultuous job market.
Rental houses are becoming scarcer in the city. Renters and landlords say a lot has changed and the math isn’t working. The Seattle Times’ Alexis Weisend will tell us why. King County Metro customer satisfaction survey We can only make Seattle Now because listeners support us. Tap here to make a gift and keep Seattle Now in your feed. Got questions about local news or story ideas to share? We want to hear from you! Email us at seattlenow@kuow.org, leave us a voicemail at (206) 616-6746 or leave us feedback online.See omnystudio.com/listener for privacy information.
Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAWSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.
Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAWSee omnystudio.com/listener for privacy information.