Podcasts about Tenant

Columbus City Council candidate Jesse Vogel joins us on the podcast to reflect on his legal work in eviction defense and what led him to run for office. He talks about the challenges families face raising kids in Columbus, and his priorities around housing, education, transportation and labor.Jesse also shares how working with immigrant communities has shaped his approach to public service and addresses the significance of the District 7 seat, and shares how he hopes to advocate for communities through policy and direct support, regardless of whether he reflects their identity.00:00 The State of Public Education03:32 Background, The Decision to Run for Office06:11 Working in Eviction Defense and Advocating for Residents08:43 The Challenge of Navigating Systems12:15 Growing Up in Bexley, Coming Back to Columbus16:47 Why Volunteers are so Engaged21:07 Housing Policy and Tenant Protections32:09 Transportation Vision for Columbus34:50 The Importance of Unions39:38 Supporting Children, Universal Pre-K and Childcare47:37 Police Accountability and Non-Police Response51:15 Advocating for Immigrant Communities, Jewish Heritage01:00:43 Representation and Earning Trust01:07:42 Engagement in His CampaignSubscribe to Columbus Can't Wait on YouTube⁠⁠⁠⁠ for video.Hosted by Tareya. Recorded and shot at Statehouse Studio. Executive Producers: Tareya Palmer and Taijuan Nichole Moorman.

Send us a textHey landlords! Noise complaints are one of the most common issues rental property owners will face. In this episode, Kevin and I break down how to handle noise complaints fairly, legally, and without unnecessary stress. We cover everything from setting clear noise policies to mediating disputes and protecting yourself from legal liability. Whether it's tenants playing loud music, children making noise, or even pets causing disturbances, we've got solutions to help you maintain a peaceful rental environment.Plus, we share our best tips on tenant screening, lease agreements, and soundproofing strategies to prevent noise complaints before they start. What You'll Learn in This Episode: ✔️ How to assess whether a noise complaint is reasonable ✔️ Steps to mediate disputes between tenants and neighbors ✔️ The legal obligations landlords have regarding noise complaints ✔️ How to enforce lease agreements fairly and legally ✔️ Tips for soundproofing your rental property ✔️ The role of tenant screening in preventing future issues ✔️ Best resources for state-specific leases and property management toolsResources & Links Mentioned in This Episode:

Are you a landlord or property manager? Protect yourself from common tenant scams that can cost you time, money, and peace of mind. In this seminar, we'll uncover the most frequent scams during the application process and tenancy period, and provide actionable tips to safeguard your rental property. What You'll Learn:  

Handel on the Law, Marginal Legal Advice.

DON'T KNOW WHERE TO START WITH FRANCHISING? Grab Bob Bernotas' free course for a limited time only at edu.franchisewithbob.com/idealAny questions?*** Interested in the $10k/month passive strategy? Just sign up for our newsletter at https://bit.ly/iwg-strategy BOOK IS OUT! Grab Your Copy and learn how to get your feet wet in real estate investing Download episodes to your favorite platforms at idealinvestorshow.com Connect with us through social! We'd love to build a community of like-minded people like YOU!

A one-month security deposit works great if your tenant pays rent and doesn't cause much damage. But if your tenant doesn't pay or causes a lot of damage, you could be out thousands of dollars.On this episode, Frank Jachetta explains how TheGuarantors removes this risk from the landlord with an insurance policy.We discuss how this unique policy works and the difference between rent coverage and landlord insurance, and Dan Lane shares how much his tenants have paid for coverage on his properties.https://www.theguarantors.comThanks To Our Sponsor:MidSouth HomeBuyers – Turnkey Rentals In Memphis & Little Rock. Instant Cash Flow On Day One. (Priced between $100,000 to low $200's)

Welcome to Walking the Way. My name is Ray, and I really want to say thank you to everyone for listening in as we share in a regular rhythm of worship and devotion together. CreditsOpening Prayerhttp://www.myredeemerlives.com/prayers.htmlBible versePsalm 48:9 Thought for the dayRay BorrettBible PassagePsalm 48Holman Christian Standard Bible (HCSB) Copyright © 1999, 2000, 2002, 2003, 2009 by Holman Bible Publishers, Nashville Tennessee. All rights reserved.Prayer HandbookClick here to download itSupporting Walking the WayIf you want to support Walking the Way, please go to: https://ko-fi.com/S6S4WXLBBor you can subscribe to the channel: https://podcasters.spotify.com/pod/show/walkingtheway/subscribeTo contact Ray: Please leave a comment or a review. I want to find out what people think and how we make it better.www.rayborrett.co.ukwalkingthewaypodcast@outlook.comwww.instagram.com/walkingtheway1@raybrrtt

SUMMARYIn this episode of the Dental Flow podcast, Benjamin Suggs interviews Andrew Riepe from Crown Tenant Advisors, a leading dental broker specializing in tenant representation in healthcare real estate. Andrew shares his journey from a minor league baseball player to a successful broker, emphasizing the importance of aligning real estate decisions with the goals of dental practices. The conversation covers various topics including the unique role of tenant representation, navigating lease agreements, choosing the right location for dental practices, understanding tenant improvement allowances, and the value of dental practices to landlords. Andrew also discusses the importance of renegotiating leases and planning for the future, providing valuable insights for dental startups and established practices alike.TakeawaysCrown Tenant Advisors focuses exclusively on healthcare clients.Tenant representation ensures conflict-free negotiations for clients.Understanding lease clauses can prevent potential issues for practices.Location choice impacts the success of dental practices significantly.Rural markets may offer less competition for new practices.Tenant improvement allowances are crucial for startup budgets.Dental practices are considered high-value tenants by landlords.Renegotiating leases should start 1.5 to 2 years before expiration.Planning ahead is essential for successful practice management.Chapters00:00 Introduction to Dental Real Estate Expertise03:09 The Unique Role of Tenant Representation06:07 Navigating Lease Agreements and Clauses08:58 Choosing the Right Location for Dental Practices11:52 Understanding Tenant Improvement Allowances14:55 The Value of Dental Practices to Landlords18:00 Renegotiating Leases and Future Planning21:03 Conclusion and Contact InformationARE YOU LOOKING TO OPEN A DENTAL PRACTICE OR RENEGOTIATE YOUR LEASE? CONNECT WITH ANDREW REIPE AND CROWN TENANT ADVISORS FOR YOUR REAL ESTATE NEEDS.https://crowntenantadvisors.com404.216.4017ariepe@crowntenantadvisors.comFor 12+ years, Flow New Patient Marketing has had a simple mission… to bring you as many quality new patients as possible. We believe in ensuring that when a potential patient needs a provider, you are the one they find, choose, and set an appointment with. We Get You More *Profitable* New Patients! No long-term contracts. Our clients average an 8X return on investment. Personalized, non-corporate approach. 5-star reviewed. Find us: Website: https://newpatientsflow.com Google: https://g.co/kgs/zqWTc5a Facebook: https://www.facebook.com/newpatientsflow Instagram: https://www.instagram.com/newpatientsflow/ Linkedin: https://www.linkedin.com/company/newpatientsflow

An LAist investigation breaks down the heavy metals found in the fire retardant used in the L.A. fires. L.A. passed a law against harassment of tenants, but is it being enforced? Rancho Palos Verdes plans to lobby the federal government for funds to manage the city's landslide. Plus, more.Support The L.A. Report by donating at LAist.com/join and by visiting https://laist.comVisit www.preppi.com/LAist to receive a FREE Preppi Emergency Kit (with any purchase over $100) and be prepared for the next wildfire, earthquake or emergency!Support the show: https://laist.com

It's not all bad

The rent is too damn high, housing quality standards are far too low, and Tara Raghuveer is doing something about it. Tara is director of Kansas City Tenants, a tenant union which organizes to ensure that everyone in KC has a safe, accessible, and truly affordable home. In this powerful conversation with host Gloria Riviera, Tara explains how the union of more than 10,000 members is fighting against our country’s dysfunctional housing market and standing up for what they truly deserve. This episode is presented by the Marguerite Casey Foundation. MCF supports leaders who work to shift the balance of power in their communities toward working people and families, and who have the vision and capacity for building a truly representative economy. Learn more at caseygrants.org or visit on social media @caseygrants.See omnystudio.com/listener for privacy information.

Part Two of The Roman Polanski discussion covers The Tenant (1976), Roman's 1977 arrest and trial, Tess (1979), Bitter Moon (1992), Death and The Maiden (1994), The Ninth Gate (1999), and Quentin Tarantino's Once Upon A Time in Hollywood (2019) Follow Cody LaDuke on X https://x.com/cladu33 For Premium Rare Candy episodes and written content head to our substack https://rarecandy.substack.com/ Follow Rare Candy on all platforms https://beacons.ai/rarecandy Time Stamps 00:00 intro 07:06 The Tenant (1976) 26:27 1977 arrest 57:30 Roman Polanski in Jail/Fallout 01:08:18 Tess (1979) 01:25:19 Frantic (1988) 01:31:56 Polanski's process 01:34:11 Bitter Moon (1992) 01:45:35 Death and The Maiden (1994) 01:53:18 The Ninth Gate (1999) 02:06:22 Once Upon a Time in Hollywood (2019)

Today's location-specific episode features California.  We explore the overview of the housing guiding document called California Tenant Protection Act.  Each of my location-specific podcasts is set up the same way answering the same four questions:  1) What are the basics of the California Tenant Protection Act, 2) What are the nuances of this location – what is different that stands out?, 3) Some guidance about abandoned items left behind by a tenant in a rental inCalifornia, and 4) Where to get help in your local area in California.  This episode is NOT all inclusive – you must research further in your specific area including your County, Regional District, Parish, City or any other Governing Body that involves your rental location, but today's episode will get you started!

Andrew Choubeta from Choubeta Legal services is a licensed paralegal from Hamilton, Ontario. He specializes in landlord and tenant law and has a unique strategy when it comes to negotiating with tenants.   On this episode, we discuss: Focusing on landlord and tenant board matters Andrew's unique negotiation style that benefit landlords Why it's important to provide a renumeration to tenants during negotiations How making a mistake on your eviction forms can cost you thousands Why it's beneficial to have a third party involved during an eviction   You can reach out to Andrew by visiting choubetalegalservices.com Download a free report: “Multi-Unit Renovation Operations Order - A Guide to Starting a Renovation” Subscribe and review today! Instagram Youtube Spotify Apple Podcasts

Kimberly, a seasoned property manager with 26 years of experience, shares insights on effective tenant management. She emphasizes thorough tenant screening, including credit checks and reference calls, and advocates for detailed lease agreements with house rules to educate tenants. Kimberly prioritizes showing properties before vacancy, ensuring minimal downtime. She also stresses the importance of clear communication, regular inspections (within legal limits), and proactive maintenance. In California, she advises focusing on single-family homes due to tenant protection acts on multifamily properties. Her strategies aim to minimize evictions and maintain positive landlord-tenant relationships. #RealEstateInvesting #PropertyManagement #TenantScreening #LandlordTips #RealEstateAdvice #RentalProperty #InvestmentProperties #CaliforniaRealEstate #EmpoweredInvestor #RealEstateTips Today's sponsor https://JasonHartman.com/Connected offers real estate investors access to Connected Investors' PiN (Property Intelligence Network) software. This tool provides nationwide property data, including features like unlimited individual property skip tracing, comprehensive property reports, and a Contract Genie for generating legal documents. Subscription options are available on a monthly or annual basis, with the annual plan offering additional benefits such as a dedicated product specialist. The platform emphasizes its commitment to providing accurate, up-to-date information to assist investors in making informed decisions. Visit http://jasonhartman.com/connected today! Key Takeaways: 1:29 Meet Aunt Joanie's property manager 2:17 Schedule and some housekeeping rules for https://empoweredinvestorlive.com/  4:04 Meet Kimberley 4:46 Some tricks of the trade and best practices 5:53 Showing the house 10:43 Sponsor: https://jasonhartman.com/connected 12:04 Credit, late payments, evictions, and post walkthroughs  15:21 Dealing with landlord-unfriendly regulatory environments 16:50 Lease document and house rules 17:19 moving from apartments to single family homes 18:55 Marketing the property before tenant leaves and doing virtual showings 19:59 Communicating with a tenant 21:52 Tenant protection laws 23:21 RE investing    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

Key Takeaways:Occupancy dropped from the seller's claimed 93% to as low as 58%, but has now climbed to the high 70s.Partnering with a moving company (Six Demand Movers) provides unique advantages in filling units and getting above-market rates.Major operational challenges included:Transferring property management softwareOnboarding a call centerFixing maintenance issues (gate, HVAC, doors)Tenant retention strategy focuses on:Responsive maintenanceFlexible fee policiesBuilding relationshipsServing long-term, multi-unit clientsFuture plans include:Reaching near 100% occupancyAdding 40-52 new units using shipping containers and movable unitsPotentially expanding to 130-140 total unitsImproving property curb appealKey financial insights:Each unit is worth approximately $17,300Adding units can significantly increase property valueAvoiding marketing expenses creates substantial valueSeasonal considerations: Peak moving/storage season is March to October, with slowest months in January and February.

The city is preparing for strong storms and high winds, with inspections planned at construction sites and safety guidance for property owners. Meanwhile, the City Council is considering legislation to better protect tenants who are displaced by disasters or major building repairs. And the Yankees are making headlines with a historic offensive start to the season, including nine home runs in a single game and the debut of attention-grabbing “torpedo” bats.

Join us as we delve into the critical topic of tenant discrimination and habitability laws in California. We discuss the legal responsibilities for landlords and property managers. In this video, we discuss essential leasing criteria, including application processes, income verification, credit history, and background checks. We emphasize the importance of having clear policies to prevent discrimination and ensure compliance with California laws. Additionally, we cover proactive measures landlords can take to avoid habitability lawsuits, including regular inspections, timely repairs, and maintaining detailed documentation. Stay informed and protect yourself as a property owner or manager. Don't forget to like, subscribe, and hit the notification bell for more on legal issues in real estate!  Key Resources Covered: • Written leasing criteria • Income and credit requirements • Steps for maintaining habitability • Local housing laws #TenantRights #DiscriminationLaw #Habitability #CaliforniaLaw #LandlordTips #RealEstateLaw #PropertyManagement #HousingJustice #LegalAdvice #TenantDiscrimination #RentalProperty #LandlordResources #StayInformed

Investing in real estate isn't just about finding a property—it's about choosing the right market. In this episode, Camilla Jeffs shares how to evaluate markets based on cash flow, appreciation, job diversity, landlord laws, and government incentives. Learn how to align your investments with your financial goals and maximize returns.   [00:01 - 04:00] Cash Flow vs. Appreciation Coastal markets favor appreciation, while the Midwest offers better cash flow Commercial real estate allows investors to increase property value Choose a market that fits your income vs. growth goals   [04:01 - 08:00] Why Job Diversity Matters Single-industry markets are riskier Tech companies are shifting to new states A diverse job market keeps rental demand steady   [08:01 - 12:00] Landlord vs. Tenant-Friendly Laws Landlord-friendly states offer more protections Tenant-friendly areas can make evictions harder COVID-19 exposed risks in strict tenant-law states   [12:01 - 17:00] Government Incentives & Taxes Some states offer tax breaks for investors Policies impact long-term profitability. Research tax benefits before investing.   [17:01 - 21:14] Setting Your Investment Goals Cash flow vs. appreciation—know your priority Commercial properties offer value-add potential Market choice depends on risk tolerance     Connect with Camilla:   LinkedIn: https://www.linkedin.com/in/camilla-jeffs/     Key Quotes:   Are you a cash flow investor, or are you chasing long-term appreciation?” - Camilla Jeffs   “Job diversification is crucial—if a market relies on just one industry, your investment is at risk.”- Camilla Jeffs       Visit sponsorcloud.io/contact today and unlock $2,000 of free services exclusively for REI Rocks community members! Get automated syndication and investor relationship management tools to save time and money. Mention your part of the REI Rocks community for exclusive offers. Help make affordable, low-cost education summits possible. Check out Sponsor Cloud today!   LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode.   Are you confused about where to start? Join our community and learn more about real estate investing. 

In this jam packed episode we start by looking at a report on the rental market from two perspectives. Landlord & Tenant. We then look at the CREA stats followed by a live update from our national hosts. Come to our FREE Edmonton meetup Navigating Capital Event Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl Mortgage See omnystudio.com/listener for privacy information.

In this special episode, Rent Perfect's David Pickron flips the script and invites longtime behind-the-scenes team member Kent to share his very first experience attending a REIA (Real Estate Investor Association) meeting.  From walking into the packed AzREIA event to having “aha” moments during the market update and networking with investors, Kent explains how one evening opened his eyes to the power of connections, strategy, and local market knowledge.  Whether you're new to real estate investing or a REIA leader looking to improve the first-timer experience, this honest and inspiring conversation is packed with valuable insight—including how Kent and his wife decided to leverage $100K in condo equity into their next big move. 

Support our sponsors!  Nutrafol  https://nutrafol.com/ code: SESH Acorns https://acorns.com/sesh GEM http://dailygem.com/sesh code: SESH Time Stamps 00:13 - intro 00:53 - meditation to start us off 12:59 - show recap 25:05 - Kendall's medical issue 42:43 - Tenant turns rental into restaurant 01:03:26 - Erik Von Conover arrested 01:25:52 - March Madness bracket Mile Higher Media website:  https://milehigher.com/   Higher Hope Foundation: https://higherhope.org/  Submission form: https://zfrmz.com/qm6Tj6Z2RU83wcaF5BQF    hosted by: Kendall: @kendallraeonyt  IG: https://bit.ly/3gIQPjI   TikTok: https://bit.ly/3JxPJFx Janelle: @janelle_fields_ IG: https://bit.ly/2DyP1eE   TikTok: https://bit.ly/3BrWBkO    produced by: Sydney: @syd_b93  IG: https://bit.ly/3LR0zHY Karelly: @karell.y  IG: https://bit.ly/2TcxnoD Check out our other podcasts! Lights Out https://bit.ly/3n3Gaoe Mile Higher Podcast https://bit.ly/3uDwZ2Y  Planet Sleep https://linktr.ee/planetsleep Higher Love Wellness: https://extractlabs.com/milehigher PO Box Address: Kendall Rae & Josh Thomas  8547 E Arapahoe Rd Ste J # 233 Greenwood Village, CO 80112 Music By: Mile Higher Boys YT: https://bit.ly/2Q7N5QO  Spotify: https://open.spotify.com/artist/0F4ikp62qjdIV6PMO0SlaQ?si=i5v5jI77Qcq6uhjWzFix2w  Welcome to The Sesh Podcast hosted by cousins and best friends, Kendall & Janelle! Kendall is a YouTube content creator focusing on True Crime and raising awareness for missing persons cases, and Janelle is a mental health professional with a Master's in Clinical Mental Health Counseling. Our show is focused on a variety of topics including current events, pop culture, commentary, and a little true crime. Come hang out with us every Wednesday!

Catch more of the Priestess Here https://linktr.ee/yannicktaylor Mail Bag talk2priestess@gmail.com DM with Subject #Talk2Priestess Story 1 00:30 Story 2 : 07:15 Story 3: 15:26 Learn more about your ad choices. Visit megaphone.fm/adchoices

There's an upcoming election in Australia, and housing will be a big issue. Show host Gene Tunny chats with Fusion Party candidate Owen Miller about Fusion's sweeping housing policy proposals. Topics include eliminating negative gearing, taxing capital gains on owner-occupied homes, and increasing public housing. They also discuss ideas like charter cities, high-speed rail, and a government-run real estate platform.If you have any questions, comments, or suggestions for Gene, please email him at contact@economicsexplored.com.About Owen MillerOwen Miller grew up in Sydney and has long been interested in science fiction, ultimately leading to the study of mechatronics (robotics & control systems) and computer science at the University of Sydney.After working in different software roles in Sydney and even dealing Blackjack for some months, Owen moved to Seattle to work on the recommender systems at Amazon. Owen later moved to New York and was involved in smaller startups, especially in hospitality. Although the start-ups didn't take off, this rite of passage involved less shielding from the real world and helped clarify the roles of the market and the state in the provision of essential aspects of life, such as software and social cooperation.In 2020, Owen started the Non-Human Party; a vision for an opt-in online nationality that would optimise the existence of robots and animals, in addition to humans.Upon moving to Melbourne in 2022, Owen became the Registered Officer of Fusion, with the hope of enabling Australia to reach its full potential as a wealthy, sustainable and harmonious paradise; a beacon for the rest of the world. He currently serves as Fusion's Convenor.Owen was Fusion's candidate for the 2023 Aston federal by-election.In 2024, he ran as a candidate for local council in Merri-bek (for the Bulleke-Bek ward).He will again be running as a federal candidate in 2025, this time in Wills.In 2024, Spotify classified Owen as belonging to the top 0.05% of Kylie Minogue fans.Source: https://www.fusionparty.org.au/owen_millerTimestampsIntroduction (0:00)Relationship Between Fusion Party and Pirate Party (3:07)Fusion Party's Housing Policy Goals (4:04)Comparisons with Other Countries and Tax Policy (6:19)Immigration and Housing Policy (9:09)Owner-Occupier Capital Gains Tax and Land Tax (12:53)Renter's Rights and Social Housing (17:16)Supply-Side Housing Policies (27:49)Liberté Account and Open Source Real Estate Listings (38:24)Final Thoughts and Wrap-Up (51:02)TakeawaysTax reform is central to Fusion's housing strategy — They propose reducing capital gains tax discounts and phasing in land tax for all properties, including owner-occupied homes.Fusion supports a major investment in social housing — Advocating a jump from 3.2% to 10% of housing stock as public housing.Tenant rights need an upgrade — Fusion argues for banning no-fault evictions and establishing minimum standards like clean air and energy efficiency.Livret A accounts could revolutionize infrastructure funding — A French-style citizen savings bond to fund high-speed rail and public housing projects.Urban sprawl isn't the answer — Fusion favors infill development and transport-driven decentralization over expanding city fringes.Links relevant to the conversationFusion's housing policy:https://www.fusionparty.org.au/housing_as_a_homeLumo Coffee promotion10% of Lumo Coffee's Seriously Healthy Organic Coffee.Website: https://www.lumocoffee.com/10EXPLOREDPromo code: 10EXPLORED Full transcripts are available a few days after the episode is first published at www.economicsexplored.com.

What technology should every landlord use in her systems?Today on The Lady Landlords Podcast, I'm answering all of your questions about tenant technology! Find out how technology can help streamline tenant management and make your life as a landlord more efficient. With these systems, I can manage my 16 rentals across 2 countries in just a few hours every month!In today's episode, you'll learn about:

Mike Harrison continues last week's discussion by addressing listener emails, outlining 28 ways to increase net operating income (NOI) on multifamily properties. He emphasizes that income isn't just about rent—it's also about offering desirable services that tenants are willing to pay for. By enhancing the tenant experience through value-added services, investors can boost profitability and maximize the potential of their multifamily investments. Click to Listen Now

What do digital nomads really look for in a monthly furnished rental? After 2.5 years on the road, living in 10 different Furnished Finder properties, Chelsea Kimlel has seen it all—the good, the bad, and the never again. In this episode, she reveals the must-haves that make a property stand out, the common mistakes that drive tenants away, and the key listing details that stop a traveler's scroll.From Furnished Finder search tips to messaging mistakes, lease terms to storage space, Chelsea shares what makes a rental truly livable for monthly furnished travelers like her. If you want more bookings and better tenants, don't miss this episode!

Start Name Artist Album Year Comments Beautiful Spring Joseph Seal Familiar Favourites [Hallmark HMA 225] 1971 3-12 Wurlitzer, Musical Museum, Brentford, Middlesex 5:02 Spring, Spring, Spring William Davies Country Seasons [LTOT 8420] 1984 3-34 (plus Weber grand piano) Henry Willis, Tenant's Hall, Tatton Park, Cheshire 7:35 The First Day Of Spring Jelani Eddington Blue Tango [RJE CD] 2006 5-80 Wurlitzer, Sanfilippo Victorian Music Palace 10:47 The March Hare Reginald Dixon Tiger Rag [EMI SRS 5056] 1971 Organ not specified. Most likely 3-14 Wurlitzer, Tower Ballroom, Blackpool 13:49 March Winds And April Showers Larry Brennan and The Winter Gardens Dance Band, Horace Finch Regal Zonophone MR 1680 1935 3-13 Wurlitzer, Tower Ballroom, Blackpool; Reginald Holland, piano 17:20 With The Wind And The Rain In Your Hair Bill Vlasak Sentimental Journey [WJV CD] 1992 4-42 Wurlitzer, Paramount Music Palace, Indianapolis, IN; originally Paramount Oakland 4-20 21:01 The Bluebell Polka Phil Kelsall Party Night at The Tower [Grasmere GRCD 122] 2004 3-14 Wurlitzer, Tower Ballroom, Blackpool 23:27 April Showers Byron Melcher The Gorilla In The Garden [Replica 33x521] 4-23 Replica Studio Wurlitzer, Des Plaines, IL 27:37 April Day Armsbee Bancroft Out Of The Blue [NTOT NLS 103] 1978 3-13 Compton-Christie, Town Hall, Ossett, Yorkshire 31:42 Tip-Toe Through The Tulips Jesse Crawford Pioneers of the Theatre Organ [Take Two CD] 1929 4-21 Wurlitzer, Paramount Theatre Studio, New York 35:09 April Love Ed Gress Concert: Metropolitan Theatre, Boston 1958 1958 4-26 Wurlitzer, Metropolitan Theatre, Boston, MA 37:43 Sweden In Springtime Gerald Shaw Cinema Organ Encores Vol 14 [Deroy 929] 5-17 Compton, Odeon Theatre, Leicester Square, London 40:42 It Might As Well Be Spring Tom Sheen Bringin' Down The House [Concert Recording CR-0098] 2-11 (mostly) Wurlitzer, Joe & Dee Spurr Residence, Lyons, IL (installed 1967); ex-Riviera Theatre, Chicago (1920) 44:40 Tulips from Amsterdam Leon Berry Merry-Go-Round & Circus Calliope Music [Audio Fidelity AFSD 5903] 1960 2-6 Wurlitzer, Berry Residence, Chicago, IL 47:46 I'll Remember April Larry Vannucci Concert: Arden Pizza And Pipes, Sacramento 1984-05-06 1984 4-20 Wurlitzer, Arden Pizza And Pipes, Sacramento, CA 51:59 Voices Of Spring Margaret Hall Kitten On The Keys [Margaret Hall Music 001] 1992 3-17 Wurlitzer, Orion Centre, Sydney, NSW, Australia. Formerly 3-15 in Capitol Theatre, Sydney

In this eye-opening episode of the Rent Perfect Podcast, hosts David Pickron and Scot Aubrey tackle one of the hottest (and most frustrating) landlord topics—emotional support animals. From “bamboozling” tactics to fair housing rules, they break down the differences between service dogs, therapy animals, and ESAs, revealing how to stay compliant while protecting your investment. Tune in to learn the must-know strategies for handling pets (and sneaky pet owners), and discover how to avoid pitfalls that could land you in legal hot water. Subscribe, share, and let's continue to grow our community of informed, professional landlords!

Can't sleep? Quiet your mind with the continuation of The Tenant of Wildfell Hall by Anne Bronte. Support the podcast and enjoy ad-free and bonus episodes. Try FREE for 7 days on Apple Podcasts. For other podcast platforms go to https://justsleeppodcast.com/supportOr, you can support with a one time donation at buymeacoffee.com/justsleeppodIf you like this episode, please remember to follow on Spotify, Apple Podcasts, or your favourite podcast app. Also, share with any family or friends that might have trouble drifting off.Goodnight! Hosted on Acast. See acast.com/privacy for more information.

Happy Tuesday! It's time for Rob & Rob to answer two more great questions from our listeners!  (0:51) After five years of owning a buy-to-let in Manchester and dealing with costly repairs and a stressful insurance claim our mystery listener is debating the property's future and asks Rob & Rob if it's time to sell and reinvest elsewhere.  (4:10) Rafael's tenant is three months behind on rent due to illness and struggling to stick to a payment plan. With recent legal changes, he wants to know his rights for recovering rent and if needed eviction.  Enjoy the show?  Leave us a review on Apple Podcasts - it really helps others find us!  Sign up for our free weekly newsletter, Property Pulse  Send us your question by calling us on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply) or click here to leave a recording via your computer instead.  Find out more about Property Hub Invest 

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

Mike Harrison addresses emails from listeners sent to AskMike@luinc.com, covering a range of topics including tenant evictions, dealing with bad tenants, and effective tenant screening. He highlights the necessity of thorough tenant screening and strict lease enforcement to minimize potential issues and protect profitability in your investments. By investing in landlord-friendly states and applying best practices, investors can safeguard their rental properties from costly tenant-related problems. Click to Listen Now

Today's episode is a sad reminder that we all have a limited amount of time on this earth.  As a landlord, you may be in the awkward scenario of a tenant passing away in your unit.  Today's episode discusses all aspects of this including how you would know a tenant has passed away, what do you actually do when the person is discovered, what if the person's passing has created a biohazard in your unit, what about the tenant's items they leave behind, including their car?  What about the disclosure to future tenants and future owners that someone has passed away in the unit.  This is a heavy topic, but one that we need to make sure you educate yourself, just in case it happens to you.

Get MORE Coaches Don't Play at our patreon!Thank you to our Sponsors: Lucky Chahal, Poonam's Kaurture & Crown Tents Contact Lucky Chahal for Annieville Heights!Poonam's Kaurture Pop-Up Shop March 28-20 in Surrey! Get tickets here Crown Tents & Party Rentals: Mention the pod for 10% off⁠⁠⁠⁠Follow Gurk ⁠⁠⁠⁠⁠⁠⁠⁠Follow Gurveen⁠⁠⁠⁠⁠⁠⁠⁠Desi Dontdoze Playlist⁠⁠⁠Producer/Audio Engineer ⁠⁠⁠Kyle Bhawan⁠⁠⁠Song "Be Like That" by⁠ ⁠⁠REVAY ⁠⁠⁠⁠--------------------------------00:00 Much needed break 03:30 India wedding recap  25:20 Punjab 27:30 Catching strays 32:15 Dong the tenant 40:05 Stampede Mela 41:20 Gori in the group chat 46:20 Milk bro 53:46 Diamond ring humble  1:04:22 Panjabi nobility 1:09:51 Whole life a lie 

In this episode, I spoke with Khawaja Shams, co-founder of Momento, about cell-based architectures and how it allows Momento to scale to millions of transactions per second (TPS) while maintaining a healthy blast radius within their multi-tenant system.Links from the episode:MomentoKhawaja on XKhawaja on LinkedInBelieve In Serverless communityOpening theme song:Cheery Monday by Kevin MacLeodLink: https://incompetech.filmmusic.io/song/3495-cheery-mondayLicense: http://creativecommons.org/licenses/by/4.

This week, the Dental Amigos welcome Mike Slattery, a Managing Director at Crown Tenant Advisors, a boutique healthcare real estate firm. Mike has over ten years of experience in the healthcare industry working with young dentists to find the perfect location and space to start their dream practice and with assisting established dental practices relocate, expand, and purchase property. Mike offers a results-oriented approach through analysis, tenacity, strong negotiation skills, and customer focus. In this episode, Mike discusses the start-up site selection process, emphasizing the importance of analyzing demographics and market competition in chosen areas to ensure that they fit the vision and goals of the practice. He then emphasizes key concessions to negotiate with the landlord, including tenant improvement allowance, free rent, permitted transfers, and renewal options. Mike also discusses critical risk mitigation language to be negotiated at the letter of intent (LOI) phase to protect the dentist, including relocation and exclusive use clauses. To work with Mike and his team, visit crowntenantadvisors.com or call him directly at (619) 306-5048. Listeners who want to reach out to Paul can do so at Paul@DentalNachos.com and those who want to reach out to Rob can do so at Rob@RMontgomery-Law.com.

March 12, 2025 Tenant Turner CEO James Barrett joins Pete Neubig to discuss the impact of AI and automation on property management, from fraud prevention to customer support. He shares insights on scaling with technology, the challenges of hiring great talent, and what the future holds for AI-driven innovations in the industry.

On this episode of The Horizon, John Chang interviews Ash Patel from the Best Ever Conference 2026. They talk about his contrarian investment approach focusing on retail, office, and medical properties while avoiding residential tenants. Ash shares insights on why he prefers commercial tenants who treat properties professionally, explains how suburban office spaces in walkable areas are outperforming urban core locations, and reveals strategies for finding value-add retail opportunities with limited competition. The conversation explores recent market trends showing increased office absorption nationally, the surprising demand from national retail tenants actively seeking space, and why medical office remains a reliable investment with strong tenant stability. Ash also offers practical advice on evaluating markets, avoiding overhyped locations, and why buying properties at significant discounts in challenging asset classes can lead to substantial long-term returns despite current economic headwinds. Sponsors: Vintage Capital Capital Gains Tax Solutions Learn more about your ad choices. Visit megaphone.fm/adchoices

"Want to make $100K a year without working? Real estate can make that happen—but only if you do it right." Most people dream of financial freedom, but few actually create a plan to make it happen. In this episode, Jaspreet breaks down exactly how to build a rental property portfolio that generates enough cash flow to replace your income, allowing you to live off rental income forever. What You'll Learn: The Real Estate Wealth Formula: How much you need to invest to generate $100K+ per year The 3-Step Real Estate Investing Process: Location: How to find the best cities and neighborhoods Property Selection: Turnkey vs. value-add properties (and which one makes the most money) Numbers Breakdown: How to analyze deals and avoid bad investments The Cash-on-Cash Rule: How to generate at least a 7% annual return on your investment How to manage your rentals without headaches (so you don't become a landlord nightmare) Tenant-friendly vs. landlord-friendly states (and why this matters for your profits) The power of leverage: How to build your portfolio in phases without needing millions upfront Why most investors fail (and how to avoid their biggest mistakes) If you've ever thought about using real estate to build passive income, long-term wealth, and true financial freedom, this episode will show you exactly how to get started. Want more financial news? Join Market Briefs, my free daily financial newsletter: https://www.briefs.co/market Below are my recommended tools! Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or a podcast). ---------- ➤ Invest In Stocks Passively 1) M1 Finance - Buy stocks & ETFs automatically: https://theminoritymindset.com/m1 ---------- ➤ Life Insurance 2) Policygenius - Get a free life insurance quote: https://theminoritymindset.com/policygenius ---------- ➤ Real Estate Investing Online 3) Fundrise - Invest in real estate with as little as $10! https://theminoritymindset.com/fundrise ----------

Robert Pattinson showcases his remarkable acting range in two wildly different sci-fi films that explore identity, time, and what it means to be human.• Mickey 17 tells the story of an "expendable" human clone who goes on dangerous missions knowing his memories will be transferred if he dies• Bong Joon-ho's direction balances sci-fi concepts with emotional storytelling• Robert Pattinson's character voice and mannerisms create a distinct, somewhat dorky protagonist• The film explores ethical questions about cloning technology and treating copies as less than human• Mark Ruffalo's character appears to satirize certain political figures• Christopher Nolan's Tenant presents a complex narrative about time inversion that challenges viewers• Tenant features impressive action sequences with objects and people moving both forward and backward in time• Pattinson delivers a charismatic performance alongside John David Washington• Both films demonstrate Pattinson's versatility and commitment to challenging roles• The conversation includes discussion of upcoming films and excitement for future releases

Jason discusses the current state of the foreclosure market, and the importance of income property as a historically proven investment during times of economic uncertainty. He also presented a chart showing the percentage of loan balances that are 90 days or more delinquent by different loan types and discussed the evolution of automobiles and the current state of auto loans, mortgages, and student loans. Jason concluded by predicting a somewhat stagflationary real estate market and announced an upcoming masterclass and Empowered Investor Live event. Today's sponsor http://jasonhartman.com/connected offers real estate investors access to Connected Investors' PiN (Property Intelligence Network) software. This tool provides nationwide property data, including features like unlimited individual property skip tracing, comprehensive property reports, and a Contract Genie for generating legal documents. Subscription options are available on a monthly or annual basis, with the annual plan offering additional benefits such as a dedicated product specialist. The platform emphasizes its commitment to providing accurate, up-to-date information to assist investors in making informed decisions. Visit http://jasonhartman.com/connected today! Jason then talks about leveraging debt, particularly in real estate, to capitalize on inflation. Using borrowed money reduces risk and increases returns, especially when investing in appreciating assets. Jason highlights the "Great Inflation Payoff," where inflation effectively reduces loan balances over time. For example, a $950,000 loan, with 4% inflation, decreases to $912,000 in a year. He emphasizes borrowing over lending, as inflation erodes the value of future debt repayments. Tenant-financed debt, where renters cover mortgage payments, maximizes these benefits. #inflation #realestate #investing #leverage #debt #financialfreedom #wealthbuilding #passiveincome #financialplanning #mortgage #ROI Key Takeaways: Jason's editorial 1:29 Welcome to Medillin, Colombia 2:28 A very interesting theory about the FED and the economy 4:51 US Housing foreclosures by Quarter and the housing market 8:35 Percent of loan balances 90+ days delinquent, by loan type 9:28 CAAS- Cars As A Service 12:15 Mortgages, HELOC and student loans 14:38 Sponsor: JasonHartman.com/Connected 15:53  Get your tickets to https://empoweredinvestorlive.com/ Jason on Reducing Risk and Leveraging Debt 16:36 Introduction to Leverage and Inflation 19:09 The Great Inflation Payoff and Tenant-Backed Debt and Real Estate Investing 27:53 Constructive Debt vs. Destructive Debt, RV Ratio and Market Dynamics 30:29 Credit as an Asset, Three Stages of Debt Strategy 33:59 ROI, Return on Inflation and the Twofold Benefits of Inflation in Real Estate     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

Guests Darren Welsh and Cynthia Ward join us this week for a great episode! Darren teaches us more about Buyer Broker agreements and we discuss the legislature surrounding tenant/landlord law, including it's impact on renters. #Landlord #Law #Lawyer #Renter #Rent #Tenant #NAR #Broker #Buyer #HomeBuyer #Contract #RadioShow #LasVegas #LasVegasRealEstateRadio #RealEstate #Lvrealestate Facebook: www.facebook.com/LVRealEstateRadio Twitter: www.twitter.com/LVRERadio LinkedIn: www.linkedin.com/in/LVRealEstateRadio Instagram: www.instagram.com/lvrealestateradio/ SoundCloud: @lvrealestateradio Website: www.lvrealestateradio.com

Keith Weinhold and Caeli Ridge discuss the benefits of a type of loan that combines mortgage and banking features. This loan allows deposits to reduce principal first, every deposit acts like a payment, minimizing interest accrual. And can be used for cash-out refinancing, providing flexibility and potential tax benefits.  Hear about the importance and the difference between open-ended and closed-ended loans. If you pay down the loan balance over time, you can have a spread that allows you to access that equity without having to requalify or pay additional closing costs. Resources: Explore the loan simulator at RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/542 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching:GREmarketplace.com/Coach Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold a discussion about the future mortgage rate direction. Then there's a property loan type where you don't have to make any monthly payments, and if you do make a payment, it all goes toward principal, and nothing is lost to interest. It can save you lots in interest expense over the life of the loan today on get rich education.   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 in 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:13   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  1:29   Welcome to GRE from flaccid County, Oregon to Lackawanna County, Pennsylvania and across 188 nations worldwide. I'm Keith Weinhold, and you are back in for another wealth building week here at get rich education, just another shaved mammal with the microphone here, I have a real estate analogy for you. Growing up, my dad told me, whatever you do, do it well. And that was broad guidance for life. I like things that are easy to remember. Our simple home in Appalachian Pennsylvania was headed with a wood fired stove, so we couldn't just turn a dial and feeding the stove with those logs took time and work. It was a family effort. Dad split the firewood. My chore was to regularly move firewood from the wood pile into the home, and then Mom or Dad would start the fire and constantly tend to it and get it up to the right temperature. But you know, when that fire finally roared, it felt like it could have heated five homes. And this is like buying an income producing rental property. You can't just point and click to make income reliably appear. It takes time, and even some of this admin type of work before you feel hot returned the spark that can ignite the fire means first putting your financial house in order. Those are things like getting pre approved for a mortgage loan, and then they're stacking the firewood, which means finding a deal, making an offer, booking a property inspection, scheduling an appraisal, perhaps signing a property management agreement if you're not self managing, and then, of course, placing a tenant. But see when that investment property fire roars after a year or two that can create enough returns for five retail investors, just like our roaring wood fire could have heated five homes, even though you're only one investor getting like 5x returns, and by now, you probably felt, after a year or two of owning it, the profitable warmth of the five ways you're paid that you know so well. Those five ways are leverage, appreciation, cash flow. Tenant made principal pay down a tax benefit basket and the quiet, whispering fire of inflation, profiting on your loan, but you can't get over leveraged, meaning that you can't make the payments, or else you burn the whole house down. This means embracing the right level of debt rather than avoiding debt altogether. So yeah, you know, if you want to be in the top 1% or maybe even top 5% Do you know what that means? It means being misunderstood by the masses. And when you do this right, it's not about getting rich quick, but it's about building wealth. For sure, feel the fire and whatever you do, do it well, just like my dad told me, and oh, by the way, today, my parents still live in that same. House, but they now just turn a dial for heat.    Well, you know, there's been a lot of real estate and financial news lately, just this constant feed of news. And I really need to tell you something about that. I am not a news reporter. If some news just broke an hour ago. A lot of times people are only overreacting to something like that. So here at GRE I infuse the news longer term into our content of the show, because some of it is just too big to ignore. But often let it settle down for a little while and filter out what it really means to you as an investor. I mean, being an educational platform rather than a news platform is what it's about. So I want to make sure you understand the relationships rather than just reporting the news. I mean, for example, what tariffs can do to home prices and rents and inflation. I mean, that really impacts you and your real estate long term. Rather than just doing something like reporting that the tariff on this nation that looked like it was going to be 25% is now only going to be 10% or something like that, that really doesn't affect you so much. So now that you know more about what to expect here, which are the stories that really affect you as an investor? The last inflation report did come in at a hot 3% that startled economists that it was that high. And what that does is that makes bond yields rise, because bond investors need a real return net of inflation, and in turn, that soon makes mortgage rates rise, and also it makes Jerome Powell be in no rush to cut his Fed funds rate after this hot inflation report, either. And here's another long term relationship that can help you learn the Fed's dual mandate is, what do you know? What it is, the two things I've mentioned it to you before, the Fed's dual mandate is maximum employment and stable prices. That right there is inherently volatile, because when employment is maximized, well then employers, they have to compete with higher wages in order to attract workers, and that makes prices go up, destabilizing the prices will stable. Prices is the second part of the dual mandate. So that's why it always seems like there's this lightning rod attention on Jay Powell in the Fed. It is because the dual mandate is inherently volatile. Now, you know what I think about predicting mortgage rates. I don't like to do it because it's an almost impossible task, like the myth of Sisyphus, that Greek myth about rolling a boulder up a hill wells, Fargo says mortgage rates will go down to just six and a half percent by the end of this year, so not much of a drop. And also by the end of next year, almost two years from now, they'll still be just six and a half percent. And other C rates rising from here. So there is broad consensus that there's zero reason to think that artificially low rates are going to return anytime in the near term, perhaps even in the intermediate term, coming up on a future episode of the show here and soon, how to use AI in real estate investing today, let's talk about mortgages and a special loan type.   Today, we are back with the national leader in providing Americans with income property loans. She runs the operation at Ridge lending group. She's been doing this 25 years she's an investor herself. It is their CEO and president, Caeli Ridge,   Caeli Ridge  9:06   Keith, thank you for having me.    Keith Weinhold  9:08   There does seem to be one US president. That makes a lot of news lately, but Caeli is still the most noteworthy mortgage type of President, I suppose. And just like GRE Ridge focuses on education and Caeli mortgage rates. It's the topic that everyone wants to talk about. I don't predict mortgage rates, but I know that you'll Talk That Talk a little. And previously, many expected Jerome Powell and the Fed to drop the rate four times this year, then two and now more and more expect zero rate cuts at all this year, even opening the door for rate increases if inflation persists. So tell us about the propensities of this year's mortgage rate direction.    Caeli Ridge  9:51   I think that I agree with a lot of the volume out there related to interest rates kind of stay in the course. I don't think we're going to see too much of a decline. There's. Certainly, Keith, we talk about this at nauseum. There's all kinds of things that could derail that statement that we can't prepare for, we couldn't predict for, but I think overall rates are going to stay steady. I think that whether you like them or you don't like them, the tariffs tend to come with an inflationary tone. And if that's the case, it's going to put Jerome and his buddies at the Fed in a tough position to do what they had hoped to do with the easing, the monetary easing. So I don't expect to see it, but I'm hopeful who knows. Who knows?    Keith Weinhold  10:29   Now, for you, the listener and viewer here, when you really want to know what moves rates around, Caeli talk to us about this persistently high spread, and what that means is that historic difference between mortgage rates and the yield on the 10 year treasury note.    Caeli Ridge  10:47   I feel like a lot of what that's going to attach itself to is the inflation, and then, more specifically, when we talk about llpas, and I think we've talked about this in the past, loan level price adjustments, mortgage backed securities secondary market, right? This is an investment that is bought and sold on the New York Stock Exchange, right? These are investments that carry value. And while the Treasury is usually the one that people will look at to predict where interest rates are going to go, I feel like in this higher rate environment, the secondary market understands that these mortgage backed securities are going to be paying off in advance of profitability. Now this gets a little bit complicated, but the easy way to explain it is is that if you secure a loan today at, say, seven and a half percent, if the anticipation is that interest rates over the next three years, maybe not in the next year, but two years, even three years, are going to decline. The mortgage that was closed today will likely pay off via a refinance. In that event, it's not reached the maturity date, such that when that initial mortgage backed security was purchased on the secondary market, it will have to pay off before the investor has been made whole or profitable. As a result, the margins it's called on in my world, it's called YSP, yield spread premium will not be met. So they're baking in certain levers, or they're hedging, as another way to say it, so that they're not left with those negative balances when these things do pay off when interest rates come down, because interest rates are not a straight line, they go up, they go down, they go east, they go west. So as a result, they're planning far in advance into the future. So I think that has a lot to do with it.    Keith Weinhold  12:33   Real Estate industries are shrinking, and it's all related to the fact that back in 2021 the number of existing homes sold peaked at almost 7 million, but last year, it was only about 4 million. That is a huge drawdown. The number of US Realtors is dropping since it peaked in 2023 and Caeli, from what I can see, the number of loan officers, even operating has dropped precipitously over the last four years, it's a reminder that the strong survive and in the mortgage industry, top service is what savvy borrowers need. You go with the people that consistently advise you to take your time and look at your long term strategy and make the correct decision, not always the one giving like 1/8 of a percent lower and an interest rate, so any lender can get you the next loan, and few are going to help you with your long term strategy. With this overall lower volume of transactions taking place, what are your thoughts about how it's impacted the mortgage and lending industries?    Caeli Ridge  13:37   It's such a good question. I'm glad that you asked it, and I really do think it speaks to the experts in the space consumers, our borrowers, as we call them, have to be, I believe, a little bit more discerning about who they want to align themselves with and who they want to work with as it relates to the interest rate. We've had this conversation off book. Ridge doesn't sell rate or cost. Now we're competitive, but we're never going to be the lowest possible lender out there. There's always going to be somebody that can undercut for an eighth, like you said, a quarter point, a few 100 bucks here and there. And we just don't get into that, our value adds far exceed an eighth of a point in rate, which, by the way, you probably can predict what I'm going to say next, if you're not doing the math, just as a sidebar listener, the difference in payment, and that's really where the focus should be. The difference in payment on an eighth or a quarter percent in interest rate on $100,000 is all of 5,7,8, bucks a month. Okay, so make sure you're doing the math, but the value adds that come with the education that we provide the 49 states, large footprint and the diversity of loan product, I think, far outweigh any eighth or few $100 difference when you're comparing side by side. I'm not saying that you don't want to get comparisons and you don't want to be a smart, informed consumer, but it really does matter that your lender understands known, owner occupied understands how to. Or take you from point A to point Z today and five and 10 years down the road.   Keith Weinhold  15:05   you've been a mortgage industry leader for a long time with this lower volume. Have you seen mortgage companies implode close shop?   Caeli Ridge  15:15   Absolutely, we have access to those data points and the number of loan officers just the individual in the doing the transaction, not including processors and underwriters and funders and doctors, but just the loan officers. I believe, in 2024 reduced by a margin of 53% gosh, yeah, that's a big number.   Keith Weinhold  15:35   Yes, this is really hit the industry substantially. Are there any other interesting industry trends in this environment where we have persistently higher rates, I make sure not to say high, because historically, mortgage rates are still not high. The long term average being seven and three quarter percent on the 30 year fixed rate mortgage Are there any other trends that this loss in activity has created?   Caeli Ridge  15:58   I feel like the informed investor is still finding ways to profit in real estate. They're finding diversity is key, which I'm a big proponent of as are you. That means single family residence to two to four units, cash flow versus appreciation, the short term rental, the long term rental, the midterm rental, making sure that they have a good, rounded portfolio is key. And there are some which I think we're going to be talking about today. There are some mortgage tools that I really feel like, for an informed investor, are allowing them to continue and propel further, even scale into the 25 and 26 years.   Keith Weinhold  16:36   What's happened to the volume of owner occupied transactions versus investor transactions. I would imagine that investor mortgage transactions really aren't down that much.   Caeli Ridge  16:47   not that much. I'd say there was a small blip, but I feel like we've made those up with some of the burr strategy loans we do, of course, all kinds of mortgage related transactions specifically for investors. And one of those products is a short term bridge loan, which would apply to the BRRRR method by rehab, rent and refinance. So we've been seeing quite a bit of that, where the investor will find a good deal on market or off market, where they can put a little bit of lipstick on it and then refinance it at the ARV or after repair value. So anything that we might have lost in just a traditional 30 year fixed straight purchase transactions, I feel like we made up in the other but it wasn't a big margin.   Keith Weinhold  17:26   What if there was a mortgage product out there that just didn't work like other mortgage loan products do? For example, your deposits or the payments that you make on this special type of mortgage is applied to the principal first and only. There are a lot of other interesting characteristics about this particular mortgage product. We're going to discuss that when we come back. You're listening to get rich education. We've got the CEO and President of ridge lending group back with us, an investor centric lender. I'm your host, Keith Weinhold.   You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back, no weird lock ups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text FAMILY to66866, to learn about freedom, family investments, liquidity fund, again. Text FAMILY to 66866   hey, you can get your mortgage loans at the same place where I get mine at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation, because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind @ridgelendinggroup.com that's Ridge lendinggroup.com   Rick Sharga  19:48   this is Rich charga, housing market intelligence analyst. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:06   Welcome back to get rich education. We're talking with a steady guest over time, because not only are they an income property centric mortgage loan company that do mortgage loans in 49 of the 50 states, but they're also centered on education and looking out for you, the investor, over the long term. And cheyley, such an interesting product that you offer is called the all in one loan. It's been a long time since you and I have really talked about this. What it is is a first lien HELOC. It's a way for you to use the equity in your existing properties. You can do it with either a primary residence or investment properties. There are just so many reasons why an all in one load just kicks the butt on a conventionally amortizing loan, including that all payments are applied to principal first and only, and a lot of other exciting things. So Caeli, why don't we back up and just describe what the all in one loan is big picture.   Caeli Ridge  21:05   Now there is a lot to unpack, so we're going to take our time. Listener. First of all, let me just explain. Why is it called the all in one it's called that because it doubles as both a mortgage in the form of an open ended revolving HELOC and checking and savings. Both of those two features are combined, hence the all in one as a way of diminishing the amount of interest that can accrue over time. Let me explain so any revolving account, any account, including a credit card, for example, but first lien HELOC, second lien HELOC, whichever doesn't matter, open ended revolving is the key. Any open ended, revolving account will accrue interest daily based on two factors, the first being that day's balance and that months, in this case, interest rate, fully indexed interest rate. I'll come to interest rate later. As a result, you now have control largely over how much interest can accrue. Now let's take that statement and transfer it and look at it against an amortized, closed ended mortgage. You sign up for a 30 year fixed mortgage today. Let's say it's 7% whatever the interest rate is, is really irrelevant. Your principal and interest payment are defined on day one. There is no changing that monthly payment. Now you could certainly accelerate the payoff of that mortgage debt by doing what applying additional extra principal payments, right? But what happens to that extra principal payment when you send it off with your 30 year fixed mortgage payment,   Keith Weinhold  22:34   it drops your loan balance, but your minimum payment amount is the exact same the next month,   Caeli Ridge  22:38   right? And then what happens to all that liquidity that you had prior, it's now illiquid. Right? Exactly that off   Keith Weinhold  22:45   you've just transferred your cash flow into equity. Financial freedom is created by doing the opposite thing and changing equity into cash flow,   Caeli Ridge  22:52   very illiquid, and not the way an investor typically is going to want to run his or her business. So hence the all in one. Now for those of you that have heard the term velocity banking or infinity banking, maybe whole life insurance policy has a similar tone to this. The all in one, I believe, offers even more flexibility for variety of reasons that we're going to get into. But if you've ever heard those terms, that's similar to what this is. So I want to start by I usually like to give an example, okay, and provide some visual aid so that people can connect the dots. Let's start with the 30 year or a fixed rate mortgage. Just because I feel like, especially in the US, this particular loan product, or its concept is widely used in much of the rest of the world, in the US, I feel like we're sort of preconditioned here to really only understand that closed ended, amortized mortgage. So I'm going to start with an example there that actually highlights or leads into the concept of the all in one. So I want you to imagine a 30 year fixed mortgage and a 15 year fixed mortgage. Both of these mortgages originated or started at $400,000 as the balance on day one. The 30 year fixed mortgage locked at an interest rate of 4% and the 15 year fixed mortgage locked at an interest rate of 7% now, when I go through this exercise and I give this example to people, I ask them the question, Well, which one would you choose? And without exception, if they don't understand amortization, they are going to select that 4% 30 year fixed mortgage, because they don't understand that it's about speed. When you run the math and you look at an actual amortization table, you'll see that you'll pay $40,000 more in interest on a 4% 30 year or 360 month, versus a 7% 15 year or 180 month. So the point here, and what I'm illustrating, is it's speed. Now let's segue back over to the all in one. It's all about speed and how much interest we allow to accrue over time. So as you had mentioned, to start the kick this off, Keith, every deposit acts like a payment. Now here's where I struggled with this in learning. And when this was first introduced to me years ago, this part of it really caught me off guard. I had to really dig in and try to focus on what are they talking about? What do they mean? There's no payment due on the all in one. I'm gonna say that again. There's no payment due on the all in one. Think about your 30 year fixed mortgage. If you don't make a payment, what happens?   Keith Weinhold  25:19   You're defaulting, you're in trouble. You become delinquent,   Caeli Ridge  25:23   right? So that is not how this loan is set up. And it's not smoke and mirrors, okay? It's nothing fancy. The deposits that you make from ordinary income from all sources really Okay, so we want to talk about this is really special for investors, because we have access to gross rents, the rental income that's coming in before we send it back out the door, along with our net wages and every other source of income, deposits that we're getting can be utilized to your advantage. One of the ways in which I describe this is, I like to say you've become your own bank, so you have this line of credit, and your gross rents and all of your net wages are going to deposit into your checking account, driving that principal balance down, dollar for dollar, so that the interest accrual is diminished. Because remember what I said a few seconds ago, the interest is calculated on any open ended revolving account based on two factors, the balance for the day and the interest rate, so the more you have in depository income, and you drop it into your checking account, the longer it stays there, the lower the amount of interest is going to accrue within a 30 day billing cycle. Now let me just paint one more picture, and then we can open up to what questions come from this. So I want you to imagine this is I'm going to use easy, round math. I want you to imagine that you have an unpaid principal balance on your mortgage, on your HELOC of $100,000 just for round easy mouth, and that you bring in $10,000 a month in income from all sources. And just to keep it simple, we're going to say that that 10,000 comes in on day one of month one. Okay, so here's our 100 grand sitting there. My $10,000 is deposited into my checking account. Now my balance is $90,000 right? That 10 grand is not going to be touched. You will not touch that $10,000 for 29 days out of a 30 day billing cycle. And I'm giving you optimal tricks. Okay, this is how you want to use it optimally, yeah. Day one, instead of paying interest on $100,000 you're paying interest on paying interest on $90,000 and you're going to pay interest only on $90,000 for 29 days out of a 30 day billing cycle. Well, how am I going to make all my bills? And how am I going to eat? And how am I going to pay my cell phone? And what am I going to do? You're going to use a credit card, or credit cards of your choice, the ones that provide the best points, or whichever you prefer doesn't really matter. To pay all those monthly living expenses now we don't want to pay any interest on our credit cards. Right? 18, 28% whatever it is. No thank you. So now we're going to go to day 30 of that 30 day billing cycle. Right? 29 days that 10 grand has sat in there. Our balance has been 90. Our interest has accrued on that 90. On day 30, the credit card has amassed $9,000 in expenses. You've spent $9,000 for the month on food, gas utilities, car payments, cell phone, everything goes on that card. Day 30, you go into your checking account where your 10 grand has been sitting, and you write a check to pay off the credit card $9,000 so for one day of the month, we went from 90,000 in a balance to 99,000 right. 9000 had to come out of the 10 to pay off the credit card. We had $1,000 left over. Now I want you to fast forward into month to day one our starting balance, because that $1,000 leftover was our residual income, our discretionary our savings, it's what was not spent, but I have full access to it. Should I need it? So day one, month two 99, 000 is my outstanding balance. I drop in my $10,000 of income. 89,000 is what I'm going to be paying interest on for 29 days of a 30 day billing cycle. So this should allow listeners to connect some dots. There are two components of compound interest savings, the first being daily. We've got our income dropping in there. It's just sitting so daily savings, compound interest savings. And then that leftover savings, that residual, that $1,000 is going to be left in there month after month 24/7, access. That's monthly compound interest savings. So those are the two components that make this product profoundly impactful in diminishing that interest accrual over time. Why don't I take a pause   Keith Weinhold  29:30   so with the all in one loan, we're really integrating our consumer accounts with our mortgage. Absolutely right? Is there a way to automate these payments associated with this?   Caeli Ridge  29:43   Yes, I'm glad you asked. So everything that you have become accustomed to today in your checking and savings is going to be exactly the same with the all in one this mortgage is housed by an FDIC insured banking institution. It'll be one of two places depending on which. Which ends up picking up the rights. It'll be North Point or merchants, bank, those are the two that service this loan. Feel free to check them out when you think about the automation of your checking and savings accounts with your B of A, Chase, Wells, Fargo, whomever, credit union, whomever you bank with. Now there will be no difference to that experience and this experience so online bill pay, debit cards, routing numbers, paper checks. Should you still use those mobile apps? If you get a paper check, you take a picture and it uploads to the account. All the same exact automation as you have become used to today will apply with the all in one   Keith Weinhold  30:36   and you described how the all in one loan is an open ended loan versus your plain vanilla 30 or fixed amortizing loan, which is closed ended. For those that don't know, what do those terms open ended and close ended mean?   Caeli Ridge  30:48   So amortized is predetermined over the period of time that you've gotten the mortgage for. So whether it be a 10 year, a 20 year, 2515, 30, whatever it is, it is closed ended, so the interest rate that you secured against the loan amount that you've taken, they have come up with the formula, the calculation that says, This is how much interest you're going to pay over this length of time. And the longer the amount of time that you have selected, let's say a 30 or maybe even a 40 year. Those do exist, in some cases, the longer the amount of time that closed ended amortized mortgages in play, the more interest you're going to pay. Now, it keeps your payment lower for sure, but they're going to make it up in the interest that you'll pay in the long time. Now the open ended revolving just means that it is available to pay down and draw up, and pay down and draw up. It is not closed   Keith Weinhold  31:40   and then with those conventional mortgages, typically, especially when you originate a new loan for years, most of your payment goes to interest, which would not be the case with the all in one loan.    Caeli Ridge  31:53   Exa  ctly. Yeah. So anybody that's looked at an amortization table knows the first 10 ish years, we'll just keep using the most common, 30 year fixed first 10 years or so, maybe even a few years past that, 90% of your payment is going to go to the interest. You won't start chunking down any principal until the back end of that mortgage, 180 or complete flip to the all in one every dollar that goes in there drives the principal down first.   Keith Weinhold  32:18   That is huge, even if you pay a higher interest rate on your all in one loan, you can see how you have fewer dollars out of pocket in interest paid, which is what really matters to you,   Caeli Ridge  32:30   exactly, right? So think about a 20% interest rate. If you're paying 20% interest on 50,000 then 7% interest on 500,000 you can see how the math will work in your favor, regardless of the number in the interest rate in comparing side to side. And one of the other things that we haven't touched on, and maybe this is a good segue, Keith, it's not just the daily deposits. We have clients that take out a, you know, a million dollar line of credit, but they have $500,000 sitting idle for whatever it is their business needs. And in the E commerce. It doesn't even matter, but they have this amount of cash that they're simply going to take from this vehicle a regular checking account over here, and drop it in here, and that interest is saved. That $500,000 that was sitting idle doing nothing over here is now saving interest at an incredible rate. So it's not just the daily and monthly deposits. If you just have idle cash, or you know you're going to be getting a bonus or a tax refund, or whatever it is, those monies that would otherwise just sit in a one to 2% maybe interest bearing checking savings account can now be applied over here, driving down that balance further, dollar for dollar saving in that interest.   Keith Weinhold  33:39   So we are opportunistic investors here, when we see an accumulation of equity in a property or cash in an account, we want to get that moving with this all in one loan again, which is like a first lien HELOC, I would imagine that would we get plenty of room to borrow more in there, and there's been plenty of pay down, we might want to draw against it again for another purchase, and let this thing be flexible like an accordion back and forth as you're drawing the balance down and you're extending it out again. So really, the way I see the flexibility with the all in one loan is that you don't have to go through another mortgage loan origination each time you want to buy a property. You can just draw against this account.   Caeli Ridge  34:20   And we're still just scratching the surface in what this thing does exactly right? And I've said this twice now, you've become your own bank. Yeah, okay, if you pay it down over a short period of time, let's say that you had half a million dollars and you were able to reduce that down to 300,000 there's a $200,000 spread there that, at your discretion, do not have to re pre qualify and pay closing costs. Again, you don't have to ask permission or get it approved, for some reason, those are your funds, your equity, your dollars to do what you want, when you want, how you want. The other thing too is probably a good place to point this out, safety net, as long as there is a spread between what you owe and the credit limit. Whatever that is. If something were to happen That was unfortunate, some unfortunate set of circumstance befell the family, whatever, and no income was coming into the household zero. What would happen if you didn't have money to make your 30 year fixed mortgage payment? You're going to ruin your credit and go into default. Well, the reverse is true with the all in one if there is a spread between the balance and the limit and you needed to not make any deposits, the only thing that's going to happen in that case is interest is going to accrue on top of that balance. The only time a payment deposit is mandated with the all in one is when the balance is about to exceed the limit. That's the only time. Now I'm not saying that that's the way people are going to use it, but that's the reality of it. So what if this? Let's take this down the rabbit hole for a second. If you couldn't make a deposit, you're not going to go into default, right? You're simply going to add some interest on top of the existing balance. But what if you needed to draw from it for living expenses for a couple of months? Yeah? What if you needed, you know, $5,000 a month for three months until you got back on your feet, whatever it is you have access to do that. There's your safety net. You just simply draw from it, as long as there's a spread between the balance and the limit, those are your funds to do with what you choose    Keith Weinhold  36:13   if one takes out a HELOC, whether that's in an all in one loan form or not, something that I've advocated with my listeners for years is that now you do have this line that you can draw against to your point Haley, it's effectively another layer of insurance for that borrower or investor. So if you're interested in keeping down your insurance premium, you can get a HELOC or an all in one loan increase your insurance deductible, which can lower your insurance premium and increase your cash flow.   Caeli Ridge  36:43   Good point. You know, I hadn't even thought about that before. That is a new one on me that is actually brilliant. Yes.   Keith Weinhold  36:50   now we had a listener quite a while ago, Mark from Granite Bay, California, right in Mark's a great long time listener. When he found our show, he wanted to go back and re listen to all the old episodes. And he listens to several episodes multiple times. And Mark wrote in because he heard you on the show quite a while ago. And Mark says, I've been using the all in one loans, amazing mortgage balance deduction. But as a GRE listener, I know I can't be lured in by that alone. I also need to utilize its leverage. I just used my all in one loan Mark continues to say, probably, like a lot of others, to buy a duplex for mid south home buyers in all cash and then refinance that loan into a fanniefreda 30 year from my all in one loan simulations, and Caeli has an all in one loan simulation on her website that she'll tell you about. But to finish Mark's question, Mark says, I have gathered in these simulations that as long as properties are cash flowing, the best use of the all in one seems to be to keep repeating what we did on our first duplex purchase, use the all in one loan, to buy properties in all cash, and then later refi it into better debt or leverage, and then continue to repeat the process. Is that a valid way to use it? That's Mark's question.   Caeli Ridge  38:03   Absolutely. Mark, Well done, sir. And there's a few points here that I want to take a minute and peel back, Keith, so one of the first things that I would say that's really great about that philosophy or that strategy is going to be that on a cash out refinance of the property that was paid cash, using the all in one we get to use the appraised value. So under the circumstances, if you paid $100,000 for it, and perhaps it valued at 110, 151, 20, whatever it is, then we as the lender are going to refinance on a cash out refinance using that higher appraised value, so you have a little bit more leverage there, and potentially get more in that loan to value when you're comparing what you're getting back versus what you put in. The other thing, obviously, is that when you're dealing with a turnkey or a seller, an agent, whatever, everybody knows that when you can come to the table with cash, yeah, right, you become the more desirable buyer. There's that obvious piece, and then in terms of that strategy and that simulation. So please, yes, that is absolutely the first thing that I'm going to do with anybody that calls in is I'm going to get on the phone with them, a teams call, and we're going to do the simulator together. But I encourage everybody to get in there and play around with it. If you're not quite sure what data points it's asking for, let us know, or we'll do one together. But that simulator is going to allow you to compare the all in one to either an existing mortgage on a primary rental property or a new traditional mortgage. Let's say you're thinking about buying an investment property with a 30 year fixed and you want to compare that to the all in one, or maybe you want to refinance one of your existing properties, so you can compare it to existing versus new. And then within that simulation, it will allow you to forecast additional spending. That will allow you to say, I want to take out $50,000 in month 22 and it'll reformulate where the simulation of saved interest, payoff time, all of those things will be available to you within that simulator. It's very slick.    Keith Weinhold  40:00    And now that you, the investor, have the ability to pay all cash, not only can you close faster, but a lot of times, sellers are willing to give you a discount, since you can close faster and pay all cash, and then it's up to you down the road to go ahead and refinance that into a conventional product, or however else you want to do it. Caeli, what else should we know about the all in one loan?   Caeli Ridge  40:24    Couple things I would share. First of all, the qualification metric for the all in one is going to be a little bit more restrictive than a traditional 30 year fixed mortgage, so be prepared for a little extra brain damage. I know that getting qualified for mortgages is not everybody's favorite activity. I get it. There's a lot that goes on to it. It's not like the good old days where some remember you could fog a mirror and get a mortgage, but the all in one does take it to another level, even beyond what you're used to now. So debt to income ratio, I'll give you the specifics really quickly, so just be prepared. I like to set that expectation. Debt to income ratio caps at 43% on the all in one versus 50% that we would have from a traditional Fannie Freddie, 30 year fixed. The reserve requirement is calculated based on the line limit. It's dependent on the debt to income ratio. I'll just leave it there. It'll either be 10% or 15% of the line limit. So if the limit was 100 grand, 10,000 or 15,000 is the reserve requirement, and then the minimum credit score requirement. Owner Occupied is 700 non owner occupied is 720 so a little bit higher on the bar for qualification for the all in one.   Keith Weinhold  41:33   Who is this for? And who is it not for?   Caeli Ridge  41:36   It is for anyone generally that has at least 10% discretionary income at the end of the month. Typically, everybody's circumstances are different. I encourage you to play with the simulator. Get on my schedule. Let's do it together. But more often than not, we find that 10% left over at the end of the month is generally enough for it to work for the individual, and for those of you that got 2% interest rates during the pandemic, I just want you to know that I'm running the simulator against those loans day in and day out. And I would say, I'll give you a 65% of the time the all in one is beaten the, you know, what, out of a two and a half percent 30 year fixed mortgage   Keith Weinhold  42:12   that is really interesting. Well, there's a lot of opportunity and flexibility with the all in one loan. Is there any last thing that we should know about it.   Caeli Ridge  42:22   Start doing your due diligence. This does take a minute to unpack. Don't get overwhelmed by all the information. We've talked about some real tangible stuff here, but there's quite a bit that there would be to uncover. So take your time. Call us. We'll walk through it step by step   Keith Weinhold  42:36   and get started on that simulator and really see what it can do for you to make that actionable. Caeli, Where should one start?   Caeli Ridge  42:44   Head to our website, ridgelendinggroup.com you can email us info@ridgelendinggroup.com and obviously we're always a phone call away at 855, 74, Ridge   Keith Weinhold  42:54   and again, you can find that all in one loan simulator, where you can plug in some real numbers and see how it can benefit you. A friendly representative from Ridge can help you. Go ahead and do that there. So there's a lot of excitement about the all in one loan, especially, or an investor that has a GRE mindset philosophy and thinks about the opportunity of dead equity. But now that we've talked about that, tell us just quickly about some of the other products that you offer in there at ridge.   Caeli Ridge  43:23    So I think one of the real value adds for us is that we're not a one size fits all. We have an extremely diverse menu, as I like to call it, of loan programs. The all in one is at the top of a short list of my favorites. For some individuals, you got the fanniefriddies. You've got non QM, which includes DSCR, debt service, coverage ratio, bank statement loans, asset depletion loans. We have ground up construction for those that are interested in that. We have our short term bridge loans that I talked briefly about, where if you need fix and flip fix and hold, potentially, you need shorter term money, commercial loans for commercial products, commercial loans for residential in a cross collateralization way, if that is to your advantage. So as you can see, it's quite diverse.    Keith Weinhold  44:03   It's been valuable as always, and I definitely learned a few extra things that I did not know about the all in one loan myself. JAYLEE Reyes, it's been great having you back on the show, Keith. Thank you.   Now a mortgage company, of course, they have overhead and employees that they have to pay and so on. And you know, from talking with Chaley some more, I learned that they don't even make much profit from all in one loans. We wanted to discuss it together today for your benefit. However, though there are some real fees with the all in one loan, you pay points of three to 4% of the draw in closing costs only, but it's a one time fee, not every time you draw against it. She also let me know that it does not make your taxes substantially. More complicated, if you think that it can help you clear a few minutes, learn more and get hooked up with that all in one loan simulator, where they will help you through it. Big thanks to Caeli Ridge today, they really make themselves available. You can just call 855, 74, Ridge. Or if it's more your style, visit them at Ridge lending group.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 1  45:31   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  45:59   The preceding program was brought to you by your home for wealth, building, getricheducation.com.    

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