Podcasts about Underwriting

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this panel episode of Making Risk Flow, host Juan de Castro dives into the transformative power of generative AI in insurance with three industry experts: Allison Thornicroft, VP and Business Solutions Lead at Arch Insurance Group, Neeren Chauhan, Chief Innovation and AI Officer at Tokio Marine, and Yaemish Rughoo, Information Technology Program Director at Everen.Together, they explore how AI is slashing submission clearance times from days to hours, achieving 95–97% data extraction accuracy, and optimising underwriting workflows. The conversation unpacks actionable frameworks for successful AI adoption, from email intake to underwriter workbench, and emphasises the importance of incremental implementation, human oversight, and third-party data integration. If you're navigating digital transformation in insurance, this episode delivers practical strategies, real-world examples, and lessons from the frontlines of AI-driven operational change.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Die Themen im heutigen Versicherungsfunk Update sind: Vermittler mehrheitlich für Pflicht zur Elementarschadenversicherung Eine aktuelle AfW-Umfrage zeigt: 58 % der unabhängigen Vermittler sprechen sich für eine verpflichtende Elementarschadenversicherung aus. Hintergrund ist der Koalitionsvertrag 2025, der ein Opt-out-Modell vorsieht. Zwar bieten 86 % der Vermittler bereits eine solche Absicherung an, doch die Nachfrage bleibt oft verhalten. Der AfW begrüßt die politische Initiative, fordert aber die Berücksichtigung der Vermittlerperspektive bei der Umsetzung. Die Stuttgarter bringt Riester-Rente zurück Die Stuttgarter Versicherung bietet ab sofort wieder eine Riester-Rente an. Mit der „RiesterRente performance+“ positioniert sich das Unternehmen gezielt in einem Markt, den viele Anbieter verlassen haben. Der Tarif kombiniert staatliche Förderung mit flexiblen Gestaltungsmöglichkeiten und einem modernen, fondsgebundenen Anlagekonzept. Besonders profitieren könnten Familien mit Kindern und junge Berufseinsteiger. Offenheit für Online-Abschlüsse abhängig vom Versicherungsprodukt Eine neue Bitkom-Umfrage zeigt: Der Online-Abschluss von Versicherungen wird vor allem bei einfachen Produkten wie Reiserücktritt oder Tierversicherung bevorzugt. Komplexere Policen wie die Berufsunfähigkeitsversicherung werden hingegen weiterhin am liebsten im persönlichen Gespräch vor Ort abgeschlossen. Entscheidend bleibt das Vertrauen – auch bei digitaler Beratung. HDI Global mit neuem Head of Power Underwriting Nils Langrehr übernimmt bei HDI Global die Leitung des Power Underwriting innerhalb der spartenübergreifenden Energy & Power Unit. Der erfahrene Energieexperte kommt von Hannover Rück und soll das internationale Underwriting insbesondere im Bereich erneuerbare Energien strategisch vorantreiben. AfW fordert mehr Rechtssicherheit beim Widerrufsrecht Der AfW Bundesverband Finanzdienstleistung begrüßt die geplante Begrenzung des „ewigen Widerrufsrechts“ bei Lebensversicherungen. In seiner Stellungnahme zum Gesetzentwurf fordert der Verband jedoch Nachbesserungen: Die Ausschlussfrist von 24 Monaten und 30 Tagen solle auch bei inhaltlich fehlerhaften Widerrufsbelehrungen gelten. Nur bei vollständig fehlender Belehrung dürfe das Widerrufsrecht weiterhin bestehen. Ziel sei eine klare Regelung für mehr Rechtssicherheit. DKV-Report 2025: Deutsche sitzen so viel wie nie zuvor Deutschland bewegt sich zu wenig: Laut dem aktuellen DKV-Report sitzen Menschen hierzulande werktags im Schnitt über zehn Stunden am Tag – ein neuer Rekord. Nur 2 % der Bevölkerung erfüllen alle Kriterien für ein rundum gesundes Leben. Frauen schneiden bei Bewegung, Ernährung und Alkoholverzicht im Schnitt besser ab als Männer. Sorge bereitet auch der Umgang mit Stress und die geringe Nutzung von Präventionsangeboten. Nur jeder Dritte erreicht die Empfehlungen für Muskel- und Ausdauertraining. Der Report wurde von DKV, der Deutschen Sporthochschule Köln und der Universität Würzburg erstellt.

Insurers have had fair warning: the hard market is softening, and those still relying on legacy tech may soon feel the chill. So what does it take to stay competitive as conditions turn? In this episode, Robin Merttens is joined once again by Dani Katz, Co-founder and Director of Optalitix, for a sharp analysis of what's changed since their last conversation and why now really is the time to fix the roof. Dani brings a clear message: the winners in this market cycle will be those with disciplined pricing, strong data infrastructure and the ability to move fast. And while AI is starting to play a role, it's the fundamentals (clean data, integrated platforms, empowered underwriters) that remain essential. In this conversation, Dani shares insights on: Why too many firms delayed digital upgrades during the boom The signs of market softening and what that means for pricing teams What “minimum viable tech” looks like in 2025 How underwriters can be brought on the journey, not left behind The difference between automating and augmenting decisions Why data pipelines matter more than AI hype How Optalitix is responding to demand from both UK and global insurers They also touch on industry psychology: the lingering suspicion of new tech, the cultural lag behind modern tooling and why many firms still struggle to turn innovation into impact. If you like what you're hearing, please leave us a review on whichever platform you use or contact Robin Merttens on LinkedIn. You can also contact Dani Katz on LinkedIn to start a conversation! Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Define the role of AI in underwriting workflows, distinguishing between automation and augmentation. Identify common cultural and structural barriers to technology adoption across insurance organisations. Summarise how insurers can use data-first strategies to gain a competitive edge during market transitions. If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 366 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

This week we talk to Chris Sharp, Active Underwriter at Hampden Risk Partners. We discuss: • What are the pros and cons of the different follow models? • How can insurers remain profitable in a soft market? • What role should technology and data play in underwriting?

Follow me @samirkaji for my thoughts on the venture market, with a focus on the continued evolution of the VC landscape.Welcome back to another episode of Venture Unlocked, the podcast that takes you behind the scenes of the business of venture capital.In this episode, I sit down with Jack Altman, Managing Partner at Alt Capital. We unpack Jack's journey from Lattice CEO to venture capitalist. We dive deep into the nuances of venture investing, exploring how operators transition into investors, the importance of founder relationships, and the critical elements of successful early-stage investing. Jack shares candid insights about evaluating talent, providing tough feedback, and navigating the current AI technology landscape. His most compelling advice centers on the importance of backing founders you truly believe in, regardless of market fluctuations. As we discuss everything from fund strategies to valuation challenges, the conversation reveals the complex art of venture capital – a world where relationships, intuition, and long-term vision matter more than short-term metrics.Thanks for listening to another episode of Venture Unlocked. We hope you enjoyed our conversation with Jack. If you'd like to get Venture Unlocked content straight to your inbox, go to ventureunlocked.substack.com and sign up, or go to Apple Podcasts or Spotify and subscribe. Thanks again for listeningAbout Jack:Jack Altman is the founder and Managing Partner of Alt Capital, a $150 million early-stage venture fund he launched in February 2024 that has invested in Antares, David AI, Legora, and Owner, among others. Jack is also an investor in companies like Figma, Rippling, Writer, and Vanta. Prior to his career in investing, Jack co‑founded and led Lattice, an HR and people-performance platform that grew to serve thousands of global companies and reached a $3 billion valuation before he transitioned into his role as Executive Chairman. With a background that includes roles in corporate finance and business development, Jack honed his startup expertise at Teespring and Hydrazine Capital before building Lattice from the ground up. Now at Alt Capital, Jack combines his founder-to-investor experience to back innovators in B2B software and hard tech. He's launched initiatives like the Generate accelerator, offering expert mentorship and resources to AI-driven startups—underscoring his commitment to pragmatic, conviction-led investing.Alt Capital is an early-stage venture firm focused on backing exceptional founders across industries, predominantly B2B software and hard tech. With a $150 million debut fund launched in 2024, Alt Capital takes a founder-first, conviction-driven approach to investing—leveraging Founder Jack Altman's experience scaling Lattice into a $3B company to support startups through their earliest and most pivotal stages. Alt Capital prioritizes long-term partnership, practical guidance, and high-conviction bets over volume-based investing. In a short time, Alt Capital has already positioned itself as a go-to firm for ambitious founders building the next wave of category-defining companies.In this episode, we discuss:* Jack's Transition: Operator to Investor (1:47)* Early Surprises in Running a Venture Firm (4:05)* Types of Venture Capitalists and Motivations (6:37)* Brutal Honesty vs. Founder Friendliness (9:51)* Earning the Right to Give Advice (13:19)* What Makes a Good Venture Capitalist (18:22)* Evaluating Founders: Motivations and Outlier Traits (21:20)* Measuring Success in Venture: Feedback Loops and KPIs (26:53)* Big vs. Small Venture Firms: Different Models (29:47)* Venture as Different Financial Products (32:35)* AI, Market Size, and Valuation Inflation (34:13)* Underwriting and Fund Size Strategy (37:45)* Biggest Lesson Learned in Venture (43:19)* Final Thoughts and Takeaways (44:55)I'd love to know what you took away from this conversation with Jack. Follow me @SamirKaji and give me your insights and questions with the hashtag #ventureunlocked. If you'd like to be considered as a guest or have someone you'd like to hear from (GP or LP), drop me a direct message on X. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit ventureunlocked.substack.com

At its best, parametric insurance delivers clarity when volatility strikes. But scaling that promise takes more than models: it takes real claims data, market feedback and the ability to solve for both reinsurers' confidence and cedents' earnings risk. In this episode, Matthew Grant speaks with Matt Coleman, Chief Risk Officer at The Demex Group, a reinsurance MGA using a new modelled loss index to reshape how the market covers severe convective storms, one of the fastest-growing sources of weather-driven loss. Our conversation picks up where our previous webinar left off, and explores how Demex has grown distribution, secured broker support and validated its approach in a live risk environment. In this conversation Matt touches on: Why 2025 has already seen above-average tornado, wind and hail activity and how recoveries are already flowing How Demex's RCR Re cover mimics indemnity but pays out on a modelled index Why omitting sensors and relying on robust weather and claims data reduces basis risk The advantages of training models on cedents' actual ground-up claims, not diluted industry averages What reinsurers want in secondary peril covers and how Demex packages risk to match that appetite Why broker engagement has been critical to growth, and what their clients are asking for What it means to build in response to a genuine market problem not just to push a technology Along the way, Matthew and Matt talk about why carriers are willing to share granular claims data when the product is strong enough and why early validation matters in parametric. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matt Coleman or Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Specify the role of brokers in distributing innovative reinsurance solutions and educating cedents Identify the challenges and advantages of building a reinsurance product in direct response to market demand Explain why reinsurers prefer weather-driven indices over indemnity-based uncertainty If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 365 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Properties for Sale on the North Side?  We want to buy them. Email: StraightUpChicagoInvestor@gmail.com Have a vacancy? We can place your next tenant and give you back 30-40 hours of your time. Learn more: GCRealtyInc.com/tenant-placement Has Property Mgmt become an opportunity cost for you? Let us lower your risk and give you your time back to grow. Learn more: GCRealtyinc.com ============= Sebastian Mysliwiec, founder of The Dream Rentals, explains how he's built a short-term and mid-term rental management company that delivers top guest experiences and maximizes profits! Sebastian talks about cutting his teeth and eventually thriving at a marketing company that helped build his real estate skill set. He provides tactical advice on underwriting, marketing, and managing short-term rentals (STRs). Sebastian explains how his team manages seasonality, shares a STR horror story, and top amenities for guests. He closes with remarks on refinancing considerations for STR properties and his team's growth strategy. If you enjoy today's episode, please leave us a review and share with someone who may also find value in this content! ============= Connect with Mark and Tom: StraightUpChicagoInvestor.com Email the Show: StraightUpChicagoInvestor@gmail.com Guests: Sebastian Mysliwiec, The Dream Rentals Link: The Dream Rentals Instagram Link: Skyscraper Tom's Instagram Link: The 12 Week Year (Book Recommendation) Guest Questions 01:58 Housing Provider Tip - Leverage Freedom of Information Act (FOIA) to request property info during due diligence! 04:25 Intro to our guest, Sebastian Mysliwiec! 08:31 Defining AirBnB arbitrage. 13:28 Underwriting basics of short-term rentals (STRs)! 20:10 Listing platforms for STRs. 26:09 Managing STR seasonality in Chicago to optimize profit. 35:36 STR Marketing Tips! 45:45 AirBnB Horror Story! 47:46 Top STR amenities. 49:23 Mid-Term Rental analysis and expanding to other markets! 55:13 Refinancing STR properties. 56:47 What is your competitive advantage? 57:15 One piece of advice for new investors. 57:42 What do you do for fun? 58:25. Good book, podcast, or self development activity that you would recommend?  58:54 Local Network Recommendation?  59:29 How can the listeners learn more about you and provide value to you? ----------------- Production House: Flint Stone Media Copyright of Straight Up Chicago Investor 2025.

Yesterday, President Trump signed a slew of executive orders intended to assure U.S. leadership in artificial intelligence.  In the interest of competing with Communist China's aggressive pursuit of AI superiority, however, safeguards and oversight aimed at preventing “FrankenAI” from transforming us into a CCP-like“digital gulag” are being given short shrift.  Another, less fraught way to keep us ahead of the Chinese Communists would be to stop their underwriting by Wall Street. House China Committee Chairman John Moolenaar has just subpoenaed two of the worst malefactors – Jamie Dimon of JPMorgan and Brian Moynihan of Bank of America – in connection with their recent fundraising for a Chinese military company called CATL.   You don't need much intelligence to recognize, as President Trump did in his as-yet-unimplemented “America First Investment Policy,” that we have to stop funding the Chinese Communist Party.  This is Frank Gaffney.

In dieser Podcast-Folge spreche ich wieder mit meinem Kollegen Thomas Fröhlich, Head of AI & Automation, über den Wahnsinn der letzten Monate im KI-Bereich. Hier sind fünf Highlights aus unserer Diskussion: KI-Texte erkennen: Thomas und ich haben festgestellt, dass wir mittlerweile ein "KI-Radar" entwickelt haben. Bestimmte Schreibweisen, wie zum Beispiel übermäßig lange Gedankenstriche, verraten uns sofort, dass ein Text von einer KI stammt. Das ist ein interessantes Phänomen – die KI entwickelt einen eigenen Stil, an den wir uns gewöhnen müssen. Es stellt die Frage nach der zukünftigen Bedeutung von individueller Ausdrucksform im Text in Frage. KI im Kundenservice (RAG): Die Allianz UK nutzt KI, um riesige Dokumente im Underwriting blitzschnell zu durchsuchen. Das spart enorm Zeit und bringt neue Mitarbeiter schneller auf den neuesten Stand. Technisch ist das zwar kein komplett neuer Ansatz (Retrieval Augmented Generation, oder RAG), aber der praktische Einsatz ist der Knaller! Es ist nicht einfach nur die Technologie, sondern die Umsetzung, die zählt. Mindset und KI: Wir haben über die Wichtigkeit des richtigen Mindsets im Umgang mit KI gesprochen. Es geht darum, sich bewusst zu machen, wann man KI zur Überprüfung von Informationen nutzen sollte, um Fehler zu vermeiden und das eigene Wissen zu erweitern. Ähnlich wie wir bei der Kindererziehung auf neue Forschungsergebnisse zurückgreifen, sollten wir auch im Berufsleben KI als Werkzeug für bessere Entscheidungen nutzen. EU AI Act und Schulungen: Der EU AI Act ist in Kraft getreten und schreibt Schulungen für Mitarbeiter zum Thema KI vor. Thomas und ich sind uns einig, dass praktische Schulungen viel effektiver sind als langweilige Klick-durch-PowerPoint-Präsentationen. Tatsächlich kann KI sogar hervorragend als Schulungstool selbst eingesetzt werden – man muss es nur richtig nutzen. Text-to-Video und Business Cases: Wir haben über die Anwendung von Text-to-Video in der Versicherungsbranche gesprochen. Die Möglichkeit, Schadensfälle durch Videos zu rekonstruieren oder automatisiert zu analysieren, könnte extrem effizient sein und viel Zeit sparen. Dabei ist die Qualität des Prompts natürlich entscheidend, um realistische Ergebnisse zu erzielen. Links in dieser Ausgabe Zur Homepage von Jonas Piela Zum LinkedIn-Profil von Jonas Piela Zum LinkedIn-Profil von Thomas Fröhlich Die Liferay Digital Experience Platform Kunden erwarten digitale Services für die Kommunikation, Schadensmeldung und -abwicklung. Liferays Digital Experience Platform bietet Out-of-the-Box-Funktionen wie Low-Code, höchste Sicherheit & Zuverlässigkeit. Jetzt Kontakt aufnehmen.

Connect with Eitan:https://www.linkedin.com/in/eitan-holder/Click to text the show! Email Jonathan with comments or suggestions:podcast@thesourcecre.comOr visit the webpage:www.thesourcecre.com*Some or all of the show notes may have been generated using AI tools.

✅ FREE tool and training to find your own Super Property: https://go.buildstrwealth.com/superpropertygrader

Do you ever wonder how real estate investors pick winning properties? It all lies in the power of underwriting - the key process for projecting a property's future cash flows and net operating income. In this episode, Randy explains the basics of underwriting in commercial real estate and how investors use this process to pick winning properties. Join Our Investor Club: https://bit.ly/3IzAxwm  This episode was originally released on April 12, 2024. 

Underwriting can be a tricky process.But over the last seven years, I've learned that there are some basic principles that can make it simple to learn.Rather than taking months to learn all the nuances an underwriter has to learn, take a few minutes here and learn some principles that will help you think, assess and process appointments from an underwriter's perspective.Watch on YouTube: https://youtu.be/hUKMHkiOjsgIf you have any questions, you can reach us here:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://lifemattersfinancial.com/contact/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠If you're an agent looking for a mentor, start here:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://lifemattersfinancial.com/careers/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠#lifematters #lifeinsurance #wholelifeinsurance #agentsforlife #lifeinsuranceagent #infinitebanking

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at how investor demand is impacting mortgage characteristics. Plus, Robbie sits down with Ocrolus' Rebecca Seward on how Ocrolus is redefining mortgage underwriting with its Inspect platform, enabling real-time condition creation and automated loan reviews to improve quality, reduce costs, and streamline operations for lenders of all sizes. And we close by hypothesizing how the June CPI report will impact Fed timing of rate cuts.Thank you to Ocrolus. Ocrolus is transforming the mortgage industry with AI-powered data and analytics, featuring cutting-edge tools for automated indexing, income analysis, and discrepancy insights. Ocrolus is empowering underwriters to make timely, confident lending decisions. Whether you need to verify income across complex pay scenarios or review borrower documents with confidence, Ocrolus helps mortgage teams move at the speed of automation with the precision of human oversight. Learn more at ocrolus.com/mortgage.

Karve Chief Underwriting Officer Ken Svean discusses his book, “The Ultimate Guide to D&O Underwriting,” which offers key insights and tools for navigating the evolving directors and officers insurance market.

What happens when inflation outpaces income, and how can real estate investors adapt before the breaking point hits?   In this thought-provoking episode, Angel welcomes Rich Neuharth and Moses Lucero to explore the often-overlooked emotional and strategic aspects of underwriting in a volatile economic landscape. As inflation surges and affordability concerns loom, this conversation unpacks how mindset, data, and creativity intertwine when making investment decisions. Rich and Moses open up about their struggles with rejection, finding the right mentors, and reframing failure as a learning opportunity.     [00:01 - 04:00] When Prices Outpace Paychecks Why inflation is increasingly unsustainable for the average household. The importance of anticipating economic tipping points when underwriting deals. How investors might need to prepare for a shift toward shared housing and resource consolidation.   [04:01 - 08:46] Rents, Rates, and Reckonings What rent control discussions in red states signal about the changing political landscape. How rising interest rates historically trigger regulatory intervention and potential recessions. The significance of learning from past economic cycles like the Great Depression and 2008 crisis.   [08:47 - 12:13] When Numbers Feel Like a Wall Why financial literacy barriers often stem from mindset blocks, not ability. The need to recognize and confront personal narratives that limit learning. How connection with the right teacher can reignite passion for difficult topics.   [12:14 - 16:49] Resets, Rejections, and Reality Checks How to emotionally recover from rejection and continue calling, underwriting, or analyzing deals. The importance of taking a break to reset instead of internalizing repeated failure. Why even the most seasoned professionals question their worth—and how to move past it.   [16:20 - 20:56] Leveling Up Through Curiosity and Collaboration How underwriters "gear up" by finding hidden value in overlooked properties. Why passion, community, and creativity are crucial tools for value investors. The significance of recognizing shared struggles, even when operating in different lanes of a business.     Connect with Rich:   https://www.linkedin.com/in/realmindsetrich   Connect with Moses:   https://www.linkedin.com/in/moses-lucero-9026b220b/     Key Quotes:   “It's not how much you are learning, it's about who you're learning it from.” - Moses Lucero   “You're going to die and get kicked off the horse more times than you're gonna win—but let me tell you, the wins are real good.” - Rich Neuharth     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!

What happens to property value when cap rates and NOI start moving in opposite directions—and how should investors prepare for that?   In this episode, Angel Williams speaks with Rich Neuharth and Moses Lucero about the realities of underwriting in multifamily investing. They break down cap rates, NOI (Net Operating Income), and the complex relationship between market forces and property performance. Rich walks through examples that clarify how small shifts in cap rates can drastically affect valuations and explains why mindset and transparency matter in underwriting. Angel challenges the assumptions with sharp questions, leading to a clear discussion of how to stress-test deals, factor in risk, and use underwriting tools responsibly.     [00:01 - 04:30] Cap Rates in Action How a $1M NOI changes value depending on cap rate shifts Why cap rate compression inflates property value—and vice versa The importance of separating property-level performance from market dynamics   [04:31 - 08:15] Mindset and Learning Through Repetition How mindset impacts willingness to ask questions and learn Why repeating and reframing concepts leads to deeper understanding The need for more open conversations about not understanding financial concepts   [08:16 - 12:30] Market Cap vs. Purchase Cap What the significance of market cap rate is during appraisals How to handle disconnects between deal-level and market expectations Why accurate comps and broker input guide realistic underwriting assumptions   [12:31 - 16:00] The Push-Pull of NOI and Cap Rate in Valuation How to analyze proportional changes in cap rate and NOI Why understanding opposing forces is key to modeling The importance of building performance scenarios and exit plans   [16:01 - 19:48] Stress Testing and Long-Term Thinking How to structure deals to withstand market fluctuations Why historical cap rate trends matter when forecasting The need to balance investor expectations with conservative assumptions       Connect with Rich:   https://www.linkedin.com/in/realmindsetrich   Connect with Moses:   https://www.linkedin.com/in/moses-lucero-9026b220b/     Key Quotes:   “The market cap only affects your sale or refinance. It doesn't affect how your property operates day to day.” - Rich NeuhartH   “You're correcting for where you think cap rates are going. That helps you target NOI growth through CapEx and rent bumps.” - Angel Williams       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!

Are you staring at spreadsheets without really knowing what they're telling you? In this episode, I break down the most important return metrics in multifamily real estate—from cash-on-cash and IRR to DSCR and equity multiple. I explain what they actually mean, why they matter, and how to use them to make smart investment decisions. We're not just guessing here. These numbers tell a story—and if you know how to read them, you'll stop overpaying, start protecting your capital, and finally start growing real wealth. Whether you're an LP trying to spot BS in a pitch deck or an operator building your summary page, this one is for you.

AM Best Associate Director David Blades discusses a new Best's Market Segment Report that finds social inflation, declining reserve redundancies and rising claims severity continue to vex the MPL segment.

In this episode of Mission Matters, Adam Torres interviews Vijay Aiyar, Head of Underwriting at White Knight Capital, about how his team partners with family-owned businesses to manage generational transitions. Through strategic investment and advisory, White Knight helps ensure these businesses thrive well into the future. Follow Adam on Instagram at https://www.instagram.com/askadamtorres/ for up to date information on book releases and tour schedule. Apply to be a guest on our podcast: https://missionmatters.lpages.co/podcastguest/ Visit our website: https://missionmatters.com/ More FREE content from Mission Matters here: https://linktr.ee/missionmattersmedia Learn more about your ad choices. Visit podcastchoices.com/adchoices

Episode 256 — Small Axe Podcast with Nico Salgado You've been studying. Listening. Watching. Underwriting. But that first multifamily deal? Still not happening. In this episode, I break down the real reasons you're stuck—and they're probably not what you think.

Enhanced underwriting has become one of the most talked-about shifts in the London Market, but it's also one of the least clearly defined. In this episode, we share a live panel discussion from our Enhanced Underwriting event, featuring: Colum D'Auria, Canopius Rob Jarvis, Tokio Marine Kiln Tessa Wardle, QBE The conversation begins with a basic question what exactly are “portfolio solutions”? and opens up into a broader exploration of how insurers are adapting to new forms of delegated authority, rising data expectations and the growing influence of broker-led facilities. Our speakers touched on: How different firms define and implement portfolio underwriting The emergence of tracker facilities and their potential to reshape market dynamics Why algorithmic platforms are gaining traction, and where they still fall short The role of live exposure data and the practical barriers to using it well How underwriters can maintain control and accountability in increasingly automated environments What comes through clearly is that many of the most innovative teams are thinking beyond product and pricing and focusing instead on how underwriting structures, controls and data flows can support long-term performance. If you want a clearer view of how underwriting is evolving beneath the surface and how leaders across the market are responding this episode offers a window into the practical realities behind the strategy. You can also read our event write-up: “Enhanced Underwriting: How the London Market is Turning Theory into Practice”. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn.  Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Define what “portfolio solutions” means across different insurers in the London Market context. Describe how broker facilities and tracker portfolios are influencing underwriting practices and market concentration. List the key components that distinguish smart platforms and algorithmic underwriting from traditional models. If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 361 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

AI and its impact is looked at with curiosity, desire, concern, and a bit of fear, but with insurance its presence is often seen with affecting distribution and customer experience. However, is enough focus happening on use within the underwriting chair? Jeff Sutton, Senior VP Sales and Marketing for Markel shares what he sees and how Markel is finding advantages with underwriting and for their partners.In this episode:How AI is helping with sales and experience by starting with risk submissionsWhy empowering the experience of relationships should be an end goalWhat AI tools are being used across underwritingWhen and how AI will affect the distribution experienceDeclared Interests- some fun stories about JeffWhat kinds of AI are being used and where to find themJeff reveals how using AI to modernize and innovate underwriting processes is leading to better relationships and how other insurance entities can move forward and do the same.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, Stephen Schmidt interviews Shalom Yusufov, a first-generation immigrant and real estate entrepreneur. Shalom shares his journey from growing up in an immigrant household to becoming a successful private money lender and real estate investor. He discusses the importance of taking risks, the unique approach of his company, Envy Investment Group, and how he helps borrowers succeed. The conversation also covers evolving lending criteria, market trends, and the significance of mindset in real estate investing.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Mindset, Real Estate & Taking The Leap - Kathryn Almeida & Karen Mejia   Kathryn Almeida & Karen Mejia join me for an unscripted chat about what it takes to be an agent in 2025 with SmartHomeChoice! They are hardworking members of the SHC team, and have been for over 2 years. They've had some bumps in the road, and they are here to talk about all of them including: What is it like working with buyers and sellers in this market cycle; The importance of financial checkups with their clients; What are the current market conditions they are working in; The importance of mindset and how they get their mindset correct; Who they are, why they chose this crazy path and why Gary's team; How to select the right coach;  Why staging can make or break a deal, and MORE, so TUNE IN!   Contact:  karen@smarthomechoice.ca kathryn@smarthomechoice.ca    This episode proudly sponsored by BM Select - https://bmselect.ca    Are you looking to become a millionaire through real estate investing? Then BM Select is for you! BM Select has helped more people become millionaires over the past 15 years than ANY OTHER mortgage broker in Canada!   BM Select focuses on working with Real Estate Investors who are looking to begin or expand their portfolio, as well as specializing in working with customers that are engaged with our host of Realtor contacts across Canada. At BM Select we offer strategic mortgage solutions with dedicated Agent Support along with leading-edge Underwriting and Fulfillment Services that allow you to sleep well knowing your mortgage transactions are being handled by top quality professionals.   To find out more, visit the website or email https://bmselect.ca    Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from!   To learn more about Gary's mentorship program, visit https://garyhibbert.ca    Disclaimer: The views and opinions expressed by guests on Real Talk with Gary are solely those of the individual speakers and do not necessarily reflect the views or positions of Gary Hibbert, the podcast, or its affiliates. All information, content, and materials discussed are for informational purposes only and should not be construed as financial, legal, or professional advice. Listeners are advised to perform their own due diligence and consult with a qualified professional before making any investment or business decisions. Real Talk with Gary, its host, and associated entities do not endorse or guarantee any products, services, or advice mentioned by guests and disclaim any liability for actions taken based on such content. Participation in or reliance on this podcast is at your own risk.

On this episode of the Passive Income Playbook, Pascal Wagner interviews Matt Picheny, a Tony award-winning Broadway producer turned seasoned multifamily GP with over 16 GP deals and 28 as an LP. Matt shares how his path from acting and digital marketing led to real estate success, including a pivotal first deal where he quadrupled his investment. They dive deep into lessons learned from early LP mistakes, why conservative underwriting (especially around cap rates) is critical, and how today's market might be ideal for investing if you have the stomach for it. Matt also discusses the values behind his coaching program, his value-add investment philosophy, and how LPs can vet operators more effectively. Matt Picheny Current role: Multifamily GP, LP, Coach, and Author of Backstage Guide to Real Estate Based in: New York City Say hi to them at: picheny.com – includes newsletter, free resources, coaching info, and social links Go to https://zbiotics.com/BESTEVER  and use BESTEVER at checkout for 15% off any first time orders of ZBiotics probiotics. Get a 4-week trial, free postage, and a digital scale at ⁠https://www.stamps.com/cre⁠. Thanks to Stamps.com for sponsoring the show! Post your job for free at https://www.linkedin.com/BRE. Terms and conditions apply. Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at ⁠www.bestevercommunity.com⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Jason Kaminsky, CEO, kWh Analytics, discusses how insurers must adapt models and partnerships to address growing risks in the rapidly changing renewable energy sector.

Lee Morris is Vice President of Underwriting, Life & Annuity Brokerage who rejoined the Gallagher Life & Executive Benefits consulting team in January of 2023.Lee Morris has been in the insurance industry specializing in technical underwriting risk management for over 33 years. She is known for her astute ability to merge the technical attributes of underwriting with the art of modern-day medical advancements and interpretation while protecting the interests of all stakeholders. Lee's strong experience with the top one percent of the wealth management firms and the ultra-affluent market demonstrates her ability to address the needs of clients requiring an enhanced “boutique” encounter.Certified in EKG interpretation and a dynamic presenter, Lee's past experience of 17 years at the carrier include being Assistant Chief leading one of the top premium distributions in the high-net-worth arena. She is one of very few in the brokerage market who achieved a prior insurance carrier underwriting single signature authority of $20M dollars.Lee holds a Cum Laude Bachelor of Science Degree in Accounting from Grambling St. University, Grambling, LA. She enjoys her free time volunteering with the K-12 school she is the co-founder of, hunting, shopping and is the mother to one son, Evan who is a Senior Pre-Med student at Morehouse College in Atlanta, Ga.Learn more: http://www.ajg.com/Take advantage of the Gallagher Underwriting expertise platform that can move your life insurance consideration from a “success story” to reciprocal “successful solutions”Financial Professionals should ensure they continue to follow the current policies and procedures of their broker dealer and/or registered investment adviser and the insurance carriers they represent on the use of any advertising, third-party materials, sales processes and/or social media/internet use. This marketing presentation in no way supersedes the requirements of a financial professional's license requirements or the policies and procedures of your broker dealer or registered investment advisory firm.This content is for informational and educational purposes, and is not designed, or intended, to be applicable to any person's individual circumstances. It should not be considered as investment advice, nor does it constitute a recommendation that anyone engages in (or refrains from) a particular course of action.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-lee-morris-vice-president-of-underwriting-of-life-annuity-brokerage-with-gallagher-inc

Lee Morris is Vice President of Underwriting, Life & Annuity Brokerage who rejoined the Gallagher Life & Executive Benefits consulting team in January of 2023.Lee Morris has been in the insurance industry specializing in technical underwriting risk management for over 33 years. She is known for her astute ability to merge the technical attributes of underwriting with the art of modern-day medical advancements and interpretation while protecting the interests of all stakeholders. Lee's strong experience with the top one percent of the wealth management firms and the ultra-affluent market demonstrates her ability to address the needs of clients requiring an enhanced “boutique” encounter.Certified in EKG interpretation and a dynamic presenter, Lee's past experience of 17 years at the carrier include being Assistant Chief leading one of the top premium distributions in the high-net-worth arena. She is one of very few in the brokerage market who achieved a prior insurance carrier underwriting single signature authority of $20M dollars.Lee holds a Cum Laude Bachelor of Science Degree in Accounting from Grambling St. University, Grambling, LA. She enjoys her free time volunteering with the K-12 school she is the co-founder of, hunting, shopping and is the mother to one son, Evan who is a Senior Pre-Med student at Morehouse College in Atlanta, Ga.Learn more: http://www.ajg.com/Take advantage of the Gallagher Underwriting expertise platform that can move your life insurance consideration from a “success story” to reciprocal “successful solutions”Financial Professionals should ensure they continue to follow the current policies and procedures of their broker dealer and/or registered investment adviser and the insurance carriers they represent on the use of any advertising, third-party materials, sales processes and/or social media/internet use. This marketing presentation in no way supersedes the requirements of a financial professional's license requirements or the policies and procedures of your broker dealer or registered investment advisory firm.This content is for informational and educational purposes, and is not designed, or intended, to be applicable to any person's individual circumstances. It should not be considered as investment advice, nor does it constitute a recommendation that anyone engages in (or refrains from) a particular course of action.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-lee-morris-vice-president-of-underwriting-of-life-annuity-brokerage-with-gallagher-inc

It's an exciting time at DLC. In a perfect case study of how our vertically integrated team executes in unlocking the value of real estate, Chris Ressa interviews Jack Rosencrans, Vice President of Development at DLC, about DLC's foray into self-storage development in Columbus, OH. The conversation covers the rise of self-storage as a viable asset class, the strategic decision to enter the Columbus market, the development process, including zoning approvals, underwriting, and construction challenges, as well as the early performance of the facility post-opening. Jack shares insights on the market dynamics, the importance of data in decision-making, and the potential for future self-storage projects at DLC.TakeawaysSelf-storage has become a lucrative asset class post-COVID.Columbus was chosen for its under-supply of self-storage.DLC utilized in-house capabilities for construction and development.Zoning approvals were a significant part of the development process.The project faced scrutiny and required thorough feasibility studies.Underwriting involved collaboration with established operators like CubeSmart.Value engineering was crucial to manage construction costs.The facility opened ahead of schedule and is performing well.Local market knowledge was key in securing financing.DLC sees potential for more self-storage developments in the future.Chapters00:00 Introduction to Self-Storage Development01:59 The Rise of Self-Storage as an Asset Class04:59 Market Analysis: Why Columbus?09:10 Navigating the Development Process12:04 Underwriting and Financial Considerations14:51 Construction Challenges and Solutions21:13 Opening and Early Performance23:54 Future of Self-Storage at DLC

On this episode of the Scouting For Growth podcast, Sabine VdL talks to James Birch, Director of Strategic Technology Solutions at Ki Insurance—the first fully algorithmic syndicate in the history of Lloyd’s of London. In today’s conversation, we’ll explore: James’s journey from VC to algorithmic-underwriting pioneer, what a “director of strategic technology solutions” actually does day-to-day inside a digital syndicate, the partnerships, cloud architecture and data streams that let Ki quote in seconds, the biggest trends shaping Algorithmic Underwriting 2.0—and what they mean for brokers, capacity partners and the wider market, and practical take-aways for anyone who wants to thrive as the next wave of automation rolls through speciality insurance KEY TAKEAWAYS Ki is a growth stage business, not an incumbent, we’re trying to fight our way to win business and ultimately to grow. We have to do something different from everyone else to try to position ourselves differently and find competitive advantage where we can. That’s something I’ve carried over from the VC space. We started out looking at what the digital model of the traditional model, where was the toil in the value chain and the broker’s work plan process and how can we simplifying it and make it more efficient using digital capabilities that we saw in the VC space, in FinTech and other financial service industries. Lloyds of London is a heavily regulated market so we need to abide by any of the regulations that any carrier or underwriter do in that market. Our approach from day 1 was to engage with the regulator early, explain what we’re trying to do, be transparent, open and honest about where the gaps are if we’d not got to a certain level of maturity, don’t overstate the algorithm. We take regulation very seriously, which has helped because Lloyds has been highly supportive of us and our growth and have allowed us to grow as the market has grown. The main cost-save of the algorithmic underwriting for brokers is they don’t have to have loads of brokers running around the Lloyds of London building to find 2% on a slip or something, the broker negotiates with the lead underwriter, come onto the Ki platform for the follow, and then spend their time on new business and client opportunities. BEST MOMENTS ‘Any business should evolve as the market evolves and the marketing dynamics changes, you’ve got to react to those and be thinking 2-5 years ahead.’ ‘We still trip up on ourselves, even now, because we sometimes try to over-complicate things.’ ‘Speak to the customer, hear their problems, understand what’s not working for them, try to make it a simple transaction for them, and then they’ll use your products.’ ‘I’m a big advocate of the partner model because if you get 2, 3, or 4 like-minded companies as partners you can build something great together because you’re all strategically aligned.’ ABOUT THE GUEST James Birch is the Director of Strategic Technology Solutions at Ki Insurance, the market-leading algorithmic syndicate that’s redefining how Lloyd’s of London does business. Blending a venture-capital mindset with hands-on operating rigor, James has spent the past decade helping innovative companies move from bright idea to breakout scale. Passionate about demystifying insurance for the next generation, James is a sought-after speaker on topics such as data-driven risk selection, the future of algorithmic capacity and what it really takes to scale a regulated tech business. Whether mentoring founders or road-testing the latest ML models with his engineers, he’s driven by one simple goal: use technology to make risk transfer faster, fairer and radically more efficient. LinkedIn ABOUT THE HOST Sabine is a corporate strategist turned entrepreneur. She is the CEO and Managing Partner of Alchemy Crew a venture lab that accelerates the curation, validation, & commercialization of new tech business models. Sabine is renowned within the insurance sector for building some of the most renowned tech startup accelerators around the world working with over 30 corporate insurers, accelerated over 100 startup ventures. Sabine is the co-editor of the bestseller The INSURTECH Book, a top 50 Women in Tech, a FinTech and InsurTech Influencer, an investor & multi-award winner. Twitter LinkedIn Instagram Facebook TikTok Email Website This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this conversation, Mysti Marcantonio shares her unique journey from being an accountant to venturing into the real estate space, particularly focusing on multifamily investments. She discusses her motivations for seeking flexibility in her career, her experiences in various industries, and her passion for real estate. The discussion also covers the differences between single-family and multifamily investments, the importance of networking, and the process of underwriting deals. Mysti emphasizes the value of continuous learning and the potential for business acquisitions in the restaurant industry, leveraging her accounting expertise.     Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 5, Episode 21 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Applying for a Disability Insurance Policy."Thinking about applying for disability insurance? Before you check a box or sign on the dotted line, join disability law expert Nancy L. Cavey for a deep dive into the often-overlooked first step in protecting your income: the application process. In this episode, Nancy breaks down why disability insurance is so important - especially for professionals, business owners, and anyone planning for life's what-ifs - and what really happens when you apply. We cover the essentials: What's under the hood of an application? What medical or occupational info matters most? And what are the red flags that could trigger a denial - or follow you to future applications? Nancy explains how to avoid the most common and costly mistakes, how insurers evaluate risk, and how to protect your insurability now and later. Whether you're new to disability insurance, in the middle of applying, or trying to recover from a denial, this episode is your practical guide to starting smart. Because getting covered is more than just paperwork - it's the first step in securing your financial future. Let's get started.In this episode, we'll cover the following topics:One - What Are the Six Common Reasons an Application for Disability Insurance Coverage Is Denied by Disability Carriers?Two - How Can a Disability Carrier's Refusal to Offer You a Disability Policy Impact Your Ability to Find Disability or Life Insurance?Three - What Are the Three Types of Underwriting in Issuing an Individual Disability Insurance Policy, and Why Does It Make a Difference to You?Whether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals. 

Think you know how to underwrite? Think again. In Episode 253, I'm breaking down the real fundamentals of multifamily underwriting—what actually matters, what most people miss, and how to stop being emotional and start being objective. You'll learn: The key metrics that matter most (and why) How to build a realistic pro forma (not just a fairy tale) Why most deals don't pencil—and how to spot the ones that do How I underwrite deals using my own proprietary model Whether you're still fumbling with napkin math or already analyzing deals weekly, this episode will sharpen your underwriting game—fast.

Late-reported workers' compensation claims cost 45% more than those reported promptly – a startling statistic that reveals how critical timing can be when managing your company's experience modification factor. This hidden multiplier determines whether your business pays more or less for workers' comp insurance and, for contractors especially, can determine whether you qualify for jobs at all.Jeremy Morrison, Director of Underwriting at Berkeley Industrial with 20 years in workers' compensation, breaks down the complex world of E-mods with refreshing clarity. He explains how the classification system uses three years of historical data to compare your company's performance against similar businesses in your industry. The resulting math produces a multiplier that can significantly impact your bottom line – particularly as your business grows.We tackle common misconceptions about claims management, including why paying medical-only claims out-of-pocket often backfires financially. Jeremy explains how these claims are heavily discounted in the E-mod calculation and why prompt reporting nearly always saves money in the long run. We also explore why the system penalizes frequency more than severity, capping the impact of any single large claim on your rating.Perhaps most valuable is our discussion about partnership. The strongest workers' comp programs emerge when claims adjusters, underwriters, risk management specialists, and business owners communicate openly about goals and challenges. When everyone understands how their role impacts the others, better outcomes naturally follow. For workers' compensation success, we truly believe that teamwork makes the dream work.Think differently, care deeply, and discover how proper claims handling can transform your experience modification factor from a mysterious penalty into a competitive advantage. Subscribe, leave a review, and join us every two weeks for more insights that help you protect what matters.Season 9 is brought to you by Berkley Industrial Comp. This episode is hosted by Greg Hamlin.Visit the Berkley Industrial Comp blog for more!Got questions? Send them to marketing@berkleyindustrial.comFor music inquiries, contact Cameron Runyan at camrunyan9@gmail.com

The industry is getting further and further from underwriting. Is this a good thing??? Let's chat!!!

Underwriting is undergoing a fundamental shift. As technology matures and data becomes more accessible, insurers and brokers are rethinking how they deploy capital, manage risk and respond to client needs in real time. In this special episode of the InsTech podcast, recorded live at our event “The growth of Enhanced Underwriting — the opportunity and the role of technology in realising it”, Robin Merttens is joined by Clyde Bernstein from Aon, Hayley Spink from Chaucer and Ed Howkins from Artificial. Together, they discuss how the market is embracing enhanced underwriting, why insurers are investing in digitisation at scale and how technology providers are helping unlock new levels of efficiency and accuracy across the value chain. Key Talking Points Learn how Aon is rethinking broking strategy from the ground up through enterprise-wide transformation. Understand why legacy systems are holding back innovation and what it takes to modernise at scale. Explore how cross-functional teams and external partners like Artificial Labs are accelerating progress. Hear why both brokers and carriers moving in sync is key to realising enhanced underwriting at speed. Discover how Chaucer is building cloud-native infrastructure and data strategy to support smarter decisions. Find out how technology is shaping the future of underwriting roles and changing team structures. Understand the risks of fragmentation as broker portals multiply across the market. See why consistent data standards are essential to making digitisation stick. Learn how enhanced underwriting supports speed and accuracy—especially in softening market conditions. Get insight into why now is the moment for insurers to translate strategy into execution and long-term value. If you like what you're hearing, please leave us a review on whichever platform you use or contact Robin Merttens on LinkedIn.  Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Specify the role of consistent data standards in enabling seamless broker-carrier collaboration. Explain how digitisation helps insurers maintain underwriting discipline in soft market conditions. Define enhanced underwriting in the context of today's capital deployment strategies. If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 358 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

How to make sure a syndicator/operator cares about your money as an investor, what can you do to mitigate the risk of investing with a bad operator? Trinity (Trent) Herrera, commercial director and real estate consultant of Black Tie Real Estate, shares his knowledge.Read the entire episode here: https://tinyurl.com/mr4ces9cHow can a passive investor know that a syndicator/operator cares about their money?We've all looked at deals that, at the surface, the sponsor looked great, and everything was above board, and the yield was what we wanted, and it was our appetite. And something happens. And to some degree, I think that you can never, 100%, insulate yourself from a bad egg, but there are signs. We have this term in the industry, commission breath, that's always a number one red flag. Someone with a servant mindset is not going to have commission breath at all. There's no sizzle in that industry of building generational wealth, the sizzle is, we're going to build generational wealth using math and fundamentals. But when there's too much sizzle, that's a red flag.The biggest single indicator is the math and the story, and the history track record. When you have a target of an asset type or class that you're comfortable with, and when you have a track record, when you have some under your belt, it's easier to see when something doesn't look or feel the way it should in that industry. I guess I will answer that by saying the single biggest defense is sophistication and experience, and maybe even leveraging your friends, there have certainly been friends that have saved me from bad investments, just from a second look and talking through a deal.We're talking about the foundation of what makes a syndication or an investment successful, Underwriting is no joke; it's 75% of what makes a syndication work. My best clients, my best investors, all understand underwriting, and if they don't, they've hired me to help them understand it, and to walk them through it so that they can see what I'm seeing. There are so many ways that you can look at a property wrong. And I also believe that not one person should look at a property. There should be a multitude of people and aspects looking at a property, opining and giving valid, good criticism and feedback. My number one tip when it comes to foundations is to dive into underwriting and do your best to understand each deal; it takes years, and even then, there are still deals that you see and you struggle. The underwriting in the math is where you'll see if the deal is truly viable for you or not. And that goes along with the risk management side and accreditation.Each one of us has a very different life. We all live such different lives, and we all have different amounts of kids and cars and mortgages and investments, and so we all have these tolerances and knowing what those are for you through the eyes of someone like you or I, who's been doing this for a long time, is important, understanding the level you should be playing at. How much is too big a bite off for you? How are you accredited? What's your accreditation level? Those things are all guardrails that are in place to help each investor make good decisions. Each style of offering that is done is styled differently to either accept less of a wealthy and sophisticated base or not, through your underwriting and through your understanding of your life and your position, not biting off more than you can chew, and only investing money that you can tolerate losing.Trent Herreratrinity@blacktie-re.com Join our investor club here

How to Survive the Coming Real Estate Storm – What Sean Kelly-Rand Learned at Lehman   For the experienced real estate investor or sponsor, this is a masterclass in what really matters.   When Lehman Brothers unraveled in 2008, it exposed a truth that many in the real estate world still prefer to ignore: even the most sophisticated capital structures can implode when the cost of capital and access to liquidity are misunderstood – or worse, taken for granted. My podcast/YouTube show guest today, Sean Kelly-Rand, didn't just watch that collapse unfold; he lived through it from inside and the playbook he uses today as the managing partner of RD Advisors is shaped, in part, by that early, formative experience.   His approach offers a deeply pragmatic framework for anyone navigating real estate in today's uncertain climate. In an era of overpromised alpha and fragile capital stacks, Kelly-Rand's doctrine is a study in restraint, structure, and staying power.   From the Heart of Lehman to the Edges of Risk   Kelly-Rand joined Lehman Brothers in 2006, just before the implosion, drawn by its dominance in the bond markets which he saw, even then, as the true engine behind real estate. While most looked to equity investment banks for leadership, he understood that the debt markets were where real decisions were made. His work centered on real estate financing and syndication, with a front-row view of a business model that was, in hindsight, structurally doomed.   Lehman's capital stack had been stretched too far – built on short-term funding to support long-term positions. As the firm accumulated assets, expanding its real estate exposure from $5 billion to over $36 billion, it did so with virtually no cushion. Liquidity was cheap and ubiquitous, but inherently unstable. When securitization markets seized up, those long-term assets could not be offloaded without catastrophic discounts to book value. And because any sale would have forced a full repricing of the entire book, no sale could be tolerated. Lehman was stuck – and the system broke.   That lesson remains central to Kelly-Rand's thinking today. The real issue wasn't the quality of the assets; it was the fragility of the structure behind them. Risk wasn't in the deal. It was in the funding.   Rebuilding from the Ground Up   In the years that followed, Kelly-Rand transitioned from the institutional capital markets to operating in the private lending space. He co-founded RD Advisors not just to chase yield, but also to build a firm capable of weathering downside scenarios – starting with a clean-sheet design of its capital strategy.   The fund today focuses exclusively on senior secured debt, kept short in duration and conservatively underwritten. The business avoids the artificial stability of interest reserves or payment-in-kind structures that mask actual performance. Instead, it emphasizes cash-paying borrowers and short-term duration to preserve optionality and liquidity. Leverage is kept modest by design, with loan-to-value ratios structured around exit values that tolerate declining markets. Crucially, every deal is evaluated with a focus on capital preservation. Underwriting is done not with optimism, but with contingency: would the fund be comfortable owning the asset if they had to should a borrower walk? If the answer is anything but a clear yes, the deal doesn't proceed.   This mentality isn't just prudent, it's essential. The goal is to never rely on someone else's execution for one's own capital security. And that institutional memory from the GFC sits the core of the process.   Avoiding the Illusion of Alpha   Much of what passes for outperformance in today's real estate environment is simply leverage in disguise. Sponsors show high IRRs, but beneath them is a capital structure dependent on favorable refis or asset appreciation that may no longer be achievable. That's not skill, it's exposure.   Kelly-Rand's fund's returns, by contrast, are deliberately boring. They are stable, predictable, and quarterly. It's a feature, not a bug. In fact, Kelly-Rand views volatility as a symptom of poor underwriting or misaligned structure, not a badge of aggressive performance.   He's wary, too, of the growing interest in ‘loan-to-own' strategies, particularly among opportunistic capital looking to buy defaulted notes in the hopes of acquiring assets at a discount. While technically accurate – private credit can convert into equity when things go wrong – he emphasizes that building a business around that premise introduces operational complexity, execution risk, and volatility that neither he nor his investors are seeking.   Today's Market Echoes the Last Crisis   What concerns Kelly-Rand most now is how little has changed in institutional behavior since the last crisis – and how closely today's market echoes that of 2007.   There is the same creeping complacency in the banking system. Institutions are holding loans at par that would clear far below face value if sold today. Marking one loan down would trigger writedowns across the portfolio, and many banks simply can't handle that. Instead, they hold and wait, even as rates rise and deposits become more expensive than the loans on their books. This, too, is unsustainable and, like last time, it's a question not of credit risk, but of duration mismatch and funding fragility. Depositors have not yet realized en masse that their money could be earning 4.5% elsewhere. But when they do, the cost of capital for banks could spike rapidly and the system isn't ready.   Worse still, foreign capital, the marginal buyer that has helped sustain U.S. real estate valuations for decades, may be losing interest. If geopolitical or currency instability weakens demand for U.S. treasuries or assets, long-term rates could drift higher, even if the Fed cuts short-term rates. That shift would have a profound impact on real estate pricing, permanently resetting cap-rate expectations – and values.   A Framework for the Informed Investor   The takeaway for sponsors and investors is stark but empowering: you don't need to predict the next crash, but you must be structurally prepared for it.   Kelly-Rand's fund is an expression of that principle. It's structured to be resilient, not just profitable. Its margins are modest but consistent. Its leverage is low by design. And its underwriting focuses on the downside – not because of fear, but because of discipline. His experience at Lehman Brothers gave him a visceral understanding of how quickly capital evaporates when confidence is lost. What makes his insights so valuable today is not just that he's survived a cycle but that he's operationalized that survival into a repeatable, durable framework.   In a world where risk is increasingly hidden behind optimism and spreadsheets, Sean Kelly-Rand offers a different kind of edge: memory.   *** In this series, I cut through the noise to examine how shifting macroeconomic forces and rising geopolitical risk are reshaping real estate investing.   With insights from economists, academics, and seasoned professionals, this show helps investors respond to market uncertainty with clarity, discipline, and a focus on downside protection.    Subscribe to my free newsletter for timely updates, insights, and tools to help you navigate today's volatile real estate landscape. You'll get: Straight talk on what happens when confidence meets correction - no hype, no spin, no fluff. Real implications of macro trends for investors and sponsors with actionable guidance. Insights from real estate professionals who've been through it all before. Visit GowerCrowd.com/subscribe Email: adam@gowercrowd.com Call: 213-761-1000

Over the past several years, most of the returns in real estate have been generated because of declining interest rates and cap rates. If you just held on to properties long enough, even without successfully executing on a business plan, you fared well. However, an oversupply of capital resulted in overly unrealistic underwriting for both lenders and operators, and distress has ensued. In more recent years, the tide has changed, and a much higher degree of expertise is required to be successful. Jack Cohen, Managing Director of ArrowMark Partners, and prior owner of Cohen Financial, has a 40+ career in commercial real estate lending and investing, and was one of the largest commercial real estate lenders in the nation. 

What makes one investor's offer stand out over another's—even when the numbers look the same?   In this episode, Angel hosts Fernando Arias and Anna Latysheva for a detailed walkthrough of how underwriting variables impact real estate valuations, investor returns, and bidding strategies. They examine the unseen levers—like DSCR, interest rates, amortization schedules, and capital expenditures—that can shift IRRs dramatically. With real-world scenarios and expert commentary, this episode provides valuable insights for both novice and seasoned investors navigating a tightening lending environment.     [00:01 - 04:14] Why Debt Terms Change the Game The significance of DSCR in determining actual loan amounts—not just LTV assumptions How interest rates and loan terms affect down payments and investor returns The need to build strong banking relationships for accurate underwriting inputs   [04:15 - 08:44] The Impact of Amortization on IRR What amortization periods reveal about monthly debt service and deal feasibility Why a higher down payment reduces IRR—even if the NOI stays constant The importance of recalculating purchase offers based on updated debt quotes   [08:45 - 13:28] Expense Assumptions That Can Break a Deal How slight changes in operating expenses significantly affect valuation The importance of classifying capital expenditures below the line Why expense accuracy is essential in low-cap markets   [13:29 - 18:00] Income Projections vs. Market Realities Why underwriting based on realistic rent comps boosts your competitiveness The significance of local PM data over online averages like Rentometer How fluctuating lending terms can lead to broken contracts   [18:01 - 23:40] Cap Rates, Risk, and Investor Psychology Why understanding cap rate spreads is essential for valuation decisions The relationship between NOI, cap rate, and perceived asset risk How market psychology and alternative income streams influence investor behavior       Connect with Anna:   LinkedIn: https://www.linkedin.com/in/ibuybuildings/   Connect with Fernando:   LinkedIn: https://www.linkedin.com/in/fernandoapartments/     Key Quotes:   “Just because your pro forma shows a 1.89 DSCR a year from now doesn't mean the bank will underwrite that way.” - Fernando Arias   “Every $1,000 in NOI can mean a $20,000 swing in valuation in low-cap markets.” - Anna Latysheva     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!

Heidi Perks is the bestselling author of 7 novels, 'Now You See Her', 'Come Back for Me', 'Three Perfect Liars', 'The Whispers', 'The Other Guest', 'The Next Girl', and her new one, 'Someone is Lying'It tells the story of Jess and her daughter, Issie. They have an unbreakable bond and for years it's just been the two of them. However, when a new boyfriend, Dylan, takes Issie travelling... and contact dries up, Jess needs to figure out who is lying.The story is told through mixed media, merging true crime, podcasts and traditional prose, and we talk about the inspiration for that, and the practicalities of getting it done.You can why she writes things over and over in a notebook, and why she always underwrites her first draft. Also, we chat about why, before writing, she went back to school and enrolled on the Curtis Brown Online Novel Writing Course, and you can hear why picking yourself up and going again really matters.Get a copy of the book - uk.bookshop.org/shop/writersroutineSupport the show -patreon.com/writersroutineko-fi.com/writersroutine@writerspodwritersroutine.com Hosted on Acast. See acast.com/privacy for more information.

This podcast is a replay of a webinar from 5/23/25 where I discussed 10 aspects of underwriting new seller finance loans that you may not have considered.   Want to create your own seller-financed notes? MAKE SURE YOUR NOTES ARE SELLABLE, VALUABLE, AND COMPLIANT: https://calltheunderwriter.com/ Are you Ready to work with Dan to learn how to invest in notes yourself? COMPREHENSIVE NOTE BUYING COURSE: https://www.notelaunchpad.com  

“Underwriting in Chicago is, I think, a bit easier than a lot of other markets,” says Matt Katsaros, founder of Wildwood Investments, adding, “Especially when you're local and you know the players, you can quantify risk a little bit easier.” Matt knows the players. Wildwood Investments has carved a niche in Chicago's premier neighborhoods by developing mid-sized multifamily properties of 30 to 100 units. Tune in to this conversation with host Phil Coover about the advantages of having both construction and finance expertise in-house and the unique challenges and opportunities in Chicago's limited-supply market.Connect and Learn More☑️ Matt Katsaros | LinkedIn☑️ Wildwood Investments☑️ Phil Coover | LinkedIn☑️ McGuireWoods | LinkedIn | Facebook | Instagram | X☑️ Subscribe Apple Podcasts | Spotify | Amazon MusicThis podcast was recorded and is being made available by McGuireWoods for informational purposes only. By accessing this podcast, you acknowledge that McGuireWoods makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in the podcast. The views, information, or opinions expressed during this podcast series are solely those of the individuals involved and do not necessarily reflect those of McGuireWoods. This podcast should not be used as a substitute for competent legal advice from a licensed professional attorney in your state and should not be construed as an offer to make or consider any investment or course of action.

“Underwriting in Chicago is, I think, a bit easier than a lot of other markets,” says Matt Katsaros, founder of Wildwood Investments, adding, “Especially when you're local and you know the players, you can quantify risk a little bit easier.” Matt knows the players. Wildwood Investments has carved a niche in Chicago's premier neighborhoods by developing mid-sized multifamily properties of 30 to 100 units. Tune in to this conversation with host Phil Coover about the advantages of having both construction and finance expertise in-house and the unique challenges and opportunities in Chicago's limited-supply market.Connect and Learn More☑️ Matt Katsaros | LinkedIn☑️ Wildwood Investments☑️ Phil Coover | LinkedIn☑️ McGuireWoods | LinkedIn | Facebook | Instagram | X☑️ Subscribe Apple Podcasts | Spotify | Amazon MusicThis podcast was recorded and is being made available by McGuireWoods for informational purposes only. By accessing this podcast, you acknowledge that McGuireWoods makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in the podcast. The views, information, or opinions expressed during this podcast series are solely those of the individuals involved and do not necessarily reflect those of McGuireWoods. This podcast should not be used as a substitute for competent legal advice from a licensed professional attorney in your state and should not be construed as an offer to make or consider any investment or course of action.

Paul Peebles and James Eng dive deep into the shifting landscape of multifamily real estate investing. From Old Capital's educational bus tours across DFW submarkets to critical updates on distressed assets and stricter underwriting from Fannie Mae and Freddie Mac, this conversation is packed with insight for both seasoned operators and aspiring investors. Learn why fewer deals are closing, how lenders are adjusting, and what steps you can take now to build credibility, raise capital, and find success in today's competitive market. Don't miss key tips on navigating loan options, attending the Old Capital Conference, and why due diligence has never been more important. Are you ready to unlock the potential of Multifamily Syndications? Discover how Michael Becker's proven real estate syndication business can open doors to financial growth and your long-term success. Visit SPIADVISORY.COM today and start your journey toward smarter investing!

Confidence comes from numbers—not vibes. Underwrite like your future depends on it.   In this power-packed episode of The Abundance Mindset, Vinney Chopra shares the true foundation of confidence when dealing with multimillion-dollar deals: underwriting.   Gualter Amarelo presses Vinney on how he developed the emotional strength to close 42 out of 42 real estate deals. The answer? Mastering the numbers and removing emotion from decision-making.  

On this episode of the Best Ever CRE Show, Amanda Cruise and Ash Patel interview Suja Shyam, Managing Partner of Lux Capital Investment Group. Suja shares how her firm has expanded beyond multifamily real estate into alternative assets, including private equity and small business acquisitions. She explains the appeal of cash-flowing businesses amid rising interest rates, the underwriting and due diligence involved in these deals, and her preference for durable, low-volatility industries. Suja also discusses a recent healthcare brokerage investment targeting a 5X equity multiple and emphasizes risk-bucket thinking for investors seeking higher growth. Suja Shyam Current Role: Managing Partner, Lux Capital Investment Group Based in: Portland, Oregon Best Way to Reach Her: Website: https://www.luxe-cap.com Get a 4-week trial, free postage, and a digital scale at ⁠https://www.stamps.com/cre⁠. Thanks to Stamps.com for sponsoring the show! Post your job for free at https://www.linkedin.com/BRE. Terms and conditions apply. Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at www.bestevercommunity.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Join me as I sit down with Joe Flanigan - Co-Founder at Maple Finance and Syrup Pool. The discussion covers Maple Finance's innovative approach using institutional debt issuance and enhance transparency in financial markets. Joe explains the process of originating and tokenizing debt onchain, providing insights into the borrowers and the underwriting process. We talk about traditional backgrounds of the team members and their is dedication to building the digital asset lending markets of the future. More efficient and secure. Follow Joe Flanigan:

Episode 4405: Elites Are Underwriting The Failure Of The Future