Podcasts about Underwriting

Alec Greenberg is the Principal of Base 3 Development and has vast experience developing and stabilizing multifamily assets! Alec explains how he transitioned from the corporate real estate world to a more entrepreneurial position at Base 3 Development. He describes how he "stretched" out of his comfort zone by jumping into a 6-unit gut rehab project off the bat and shares lessons learned! Alec shares insights on large residential development projects including zoning, underwriting, and leasing considerations. He closes with tips on leveraging VAs and off-shore staffing solutions for optimal property management while also providing a bullish outlook on Chicago! 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 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 ============= Guest: Alec Greenberg, Base 3 Development Link: Staffolio Website Link: Chicago Cityscape Website Link: EUBA - NBOA Chicago Link: SUCI Ep 412 - Luke Helliker Link: On The Road (Book Recommendation) Guest Questions:  02:13 Housing Provider Tip - Understand lease changes coming in 2026! 03:13 Intro to our guest, Alec Greenberg! 08:32 Lessons learned from Alec's first gut rehab project. 13:54 Jumping into a 48-unit development. 22:25 Tips for leasing in the off-season. 25:26 Underwriting rules of thumb on large developments. 35:43 Leveraging VAs and other tools for property management. 49:16 Alec's outlook on Chicago! 51:57 What is your competitive advantage? 52:23 One piece of advice for new investors. 52:39 What do you do for fun? 53:02 Good book, podcast, or self development activity that you would recommend?  53:43 Local Network Recommendation?  55:18 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.

Mastering Integrity Connect: Enhancements, Features, and User Guide In this Thursday training call, Gina Hawks provides an in-depth overview of the Integrity Connect portal. The session covers the recent updates and enhancements to the platform, emphasizing its multifaceted functionalities such as CRM, underwriting, electronic applications, and access to leads. Gina guides new users on how to register and set up their profiles, explains the benefits of the platform including discounts and personalized websites, and demonstrates how to effectively use tools like Ask Integrity and live chat. Additionally, detailed walkthroughs on quoting for simplified and fully underwritten Indexed Universal Life (IUL) policies are included. This comprehensive training ensures users can maximize the potential of Integrity Connect for their business needs. 00:00 Introduction and Overview 01:12 Getting Started with Integrity Connect 02:03 Exploring the Dashboard and New Enhancements 02:36 E&O Insurance Savings 04:41 Setting Up Your Profile 06:01 Utilizing the Integrity Connect Features 08:56 Personalized Website and Business Phone Number 16:49 Selling Permissions Update 29:56 Client Management and Importing Contacts 33:53 Seamless Integration from Underwriting to Application 34:31 Adding Clients and Using Quick Quote 35:34 Detailed Underwriting Process 39:11 Health Conditions and Medications 44:38 Quoting and Application Process 46:57 Handling Common Issues and Questions 49:51 Using Integrity Connect for Different Products 54:39 Fully Underwritten IULs for Accumulation and Protection 01:00:11 Final Thoughts and Q&A

0:30 - Brown U presser update 15:35 - JD Vance responds to Susie Wiles calling him "conspiracy theorist" in Vanity Fair profile 34:22 - FBI didn't believe it had probable cause for the Mar-a-Lago raid 54:35 - Robert Gomez, Beat Kitchen owner, losing Riverwalk site 01:13:44 - Stephen Moore: ignore the distorted unemployment number — skilled workers are still in demand, and good-paying jobs are out there. Get more Steve @StephenMoore 01:29:26 - Paul Jacobs of Food for the Poor reminds us that with just one week until Christmas, some of the most meaningful gifts are the ones that change a life — providing food, safe water, and hope to children across Latin America and the Caribbean. More than 1,000 children are still waiting. Give today at 560TheAnswer.com. 01:47:05 - Chicago Bears great Matt Forte on faith, purpose, and the lessons behind his new book Stay in the Game: Making the Most of Every Season. Matt is also co-host of the Sports Spectrum Podcast – sportsspectrum.com and founder of The What’s Your Forté Foundation – whatsyourfortefoundation.org 02:08:52 - Thomas Baker, retired FBI special agent, on the Brown University shooter manhunt and the legal controversy surrounding Mar-a-Lago. Thomas is also the author of The Fall of the FBI: How a Once Great Agency Became a Threat to DemocracySee omnystudio.com/listener for privacy information.

In dieser Episode dreht sich alles um das Thema Künstliche Intelligenz in der Versicherungsbranche – und wir bringen Licht ins Dunkel zwischen Hype und echter Praxis. Unser Co-Host Alex Bernert spricht mit den Experten von msg: Andrea van Aubel, Vorstand und KI-Pionierin mit über 30 Jahren Branchenerfahrung, sowie Axel Helmert, Mr. AI für die Lebensversicherungswelt und Head of Research and Development. Gemeinsam gehen sie der Frage nach: Was funktioniert mit KI in Versicherungen tatsächlich schon heute? Wo liegen die Herausforderungen und Stolperfallen? Und wie verändern Agentic AI und Reasoning-Modelle die Geschäftsprozesse von Leben über Kranken bis hin zu Schaden und Unfall?Von konkreten Beispielen aus dem Schadenmanagement bis hin zu Visionen für die Produktentwicklung – die Folge bietet ehrliche Einblicke, Expertenwissen und einen spannenden Ausblick auf die nächsten Jahre. Freut euch auf praxisnahe Use Cases, aufschlussreiche Diskussionen über Governance und Compliance sowie die berühmte Kristallkugel am Ende: Was wird KI wirklich im Versicherungsgeschäft verändern? Viel Spaß beim Zuhören!Schreibt uns gerne eine Nachricht!Dieser Podcast wird von msg unterstützt. Die msg Gruppe ist führender Anbieter im Versicherungsmarkt für moderne Systemlösungen. Von Automation- über KI- und SAP- bis hin zu modernen Kommunikations- und Vertriebslösungen. Die msg bündelt moderne Technologien mit tiefem Branchen Know-How. Folge uns auf unserer LinkedIn Unternehmensseite für weitere spannende Updates.Unsere Website: https://www.insurancemondaypodcast.de/Du möchtest Gast beim Insurance Monday Podcast sein? Schreibe uns unter info@insurancemondaypodcast.de und wir melden uns umgehend bei Dir.Dieser Podcast wird von dean productions produziert.Vielen Dank, dass Du unseren Podcast hörst!

Why is underwriting small businesses so much harder than underwriting individuals? In this episode of The Lending Link, host Nathan George sits down with Michael LaSala from Baselayer to unpack one of the most persistent challenges in small business lending: verifying identity when businesses do not fit clean, predictable profiles.They discuss why matching business names, owners, and entities is much more complicated than verifying consumers. Fragmented data, thin files, and unstructured information make things harder for lenders, leading to more risk and manual reviews. Michael explains how lenders can use AI to organize messy data, identify useful behavioral signals, and better distinguish real businesses from fraud.They also talk about how automation speeds up decisions, helps more applicants finish the process, and lets underwriting teams focus on more important tasks. The conversation looks ahead to new trends like Know Your Agent and more applications, and to what lenders should do as AI continues to change small-business onboarding and credit decisions.

In this episode of the Crypto 101 podcast, hosts Bryce and Brendan engage with Hoolie Tejwani, head of Coinbase Ventures, to discuss the current state of the crypto market, investment strategies, and emerging trends. They explore the importance of a long-term perspective in crypto investing, the impact of regulation, and the growing significance of IPOs in the crypto space. Hoolie shares insights on the Coinbase Mafia, startup culture, and the lessons learned from making over 500 investments in the crypto ecosystem.Register For The Next Live Trading SessionCheck out TruDiagnostic and use my code CRYPTO101 for a great deal: https://www.trudiagnostic.comCheck out Quince: https://quince.com/CRYPTO101Get immediate access to my entire crypto portfolio for just $1.00 today! Get your FREE copy of "Crypto Revolution" and start making big profits from buying, selling,Get immediate access to my entire crypto portfolio.. just $1.00 today! Go here to get access: https://www.crypto101insider.com/cryptnation-directm6pypcy1?utm_source=Internal&utm_medium=YouTube&utm_content=Podcast&utm_term=20250916Get your FREE copy of "Crypto Revolution: Your Guide To The Future of Money". In this book, I reveal how to make (and keep) a fortune during this crypto bull run! http://www.cryptorevolution.com/free?utm_source=Internal&utm_medium=YouTube&utm_content=Podcast&utm_term=20250916Chapters00:00 Navigating the Crypto Winter02:58 Understanding Coinbase Ventures05:58 Investment Strategies and Underwriting in Crypto09:02 Long-Term Perspectives on Crypto Investments11:57 Market Trends and Future Opportunities14:52 Emerging Technologies and Investment Focus17:54 The Investment Process and Market Dynamics22:45 Market Optimism and Growth in Crypto24:24 Understanding the Clarity Act and Its Implications28:19 Innovations in Capital Formation: Echo and Sonar30:41 The Impact of Crypto IPOs on Venture Capital35:42 The Coinbase Mafia: Building a Network of Innovators38:44 Key Traits of Successful Founders41:34 Looking Ahead: Optimism for 2026MERCH STOREhttps://cryptorevolutionmerch.com/Subscribe to YouTube for Exclusive Content:https://www.youtube.com/@crypto101podcast?sub_confirmation=1Follow us on social media for leading-edge crypto updates and trade alerts:https://twitter.com/Crypto101Podhttps://instagram.com/crypto_101Guess Linkhttps://x.com/HoolieG*This is NOT financial, tax, or legal advice*Boardwalk Flock LLC. All Rights Reserved  ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Fog by DIZARO https://soundcloud.com/dizarofrCreative Commons — Attribution-NoDerivs 3.0 Unported — CC BY-ND 3.0 Free Download / Stream: http://bit.ly/Fog-DIZAROMusic promoted by Audio Library https://youtu.be/lAfbjt_rmE8▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Our Sponsors:* Check out Quince: https://quince.com/CRYPTO101* Check out TruDiagnostic and use my code CRYPTO101 for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Duncan Dale, CEO, Dale Underwriting Partners, said that while the reinsurance market has enjoyed two strong years, underlying claims data reveals worsening trends. Dale spoke with AM Best TV at the Rendez-Vous de Septembre conference, Monte Carlo.

Hans and Brian challenge the conventional wisdom around qualified retirement plans and expose the misaligned incentives baked into the 401(k) system.Most people defend their 401(k)s and IRAs with passion—but they're carrying water for institutions whose goals directly conflict with their own. This episode breaks down the four things financial institutions want from your money, reveals the history of how employers shifted pension risk onto employees, and asks the critical question: whose incentives are you serving?The conventional model says lock your money away for 40 years, fund your own retirement, bear all the market risk, and hope you have enough at 65. The qualified plan gives you a 13-year window of control—you can't touch it penalty-free until 59.5, and RMDs force withdrawals starting at 73. That means if you live to 76, you only controlled your money 25% of your life. Meanwhile, the average person retiring today has $537,000 saved but needs $1.5 million. The system is failing, yet people aggressively defend it.Chapters:00:00 - Opening segment 03:40 - Revisiting fundamentals 04:25 - What do financial institutions want from you? 05:25 - The four goals: get your money, hold it systematically, keep it long, give back little 06:40 - We just described a qualified plan 07:50 - The 13-year window: locked until 59.5, forced RMDs at 73 08:45 - Tax benefits: the one real advantage of a Roth 10:00 - Why we're assuming Roth for this discussion 11:30 - The gray area in Roth tax code and the $42 trillion sitting in qualified plans 12:35 - Only controlling your money 25% of your life 13:20 - Teaching kids to be good stewards vs. locking their money away 14:30 - RMD penalties: 25% minimum, up to 50% in some scenarios 16:00 - TSP RMD mechanics: you can't choose which funds to liquidate 17:00 - Taking the employer match and using whole life as a volatility buffer 18:20 - Spending down qualified plans first, not leaving them to heirs 18:50 - The pension system: employers provided capital and bore market risk 21:20 - The shift: now employees fund their own retirement and bear all risk 23:10 - Stockholm Syndrome: aggressively defending the institutions that benefit 24:00 - Median household income $84K, needs $1.5M, average savings $537K 27:40 - Why the average is skewed by millionaires (statistical reality check) 29:25 - Comparing contractual guarantees to projections and prospectuses 31:00 - Strip away the labels: whole life is just an asset, just like mutual funds 32:20 - We want you to understand WHY you believe what you believe 33:35 - The rate of return objection and Nelson's tailwind example 36:15 - Whose incentives align with yours? Insurance companies vs. 401(k) managers 38:05 - Underwriting proves alignment: they want you healthy and financially stable 39:30 - Our mission: cut banks out, create tax-free estates, control your capital 41:15 - Closing thoughtsVisit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )Twitter: @remnantfinance (https://x.com/remnantfinance )TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBEGot Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !

WEBINAR LINK:https://shawnmoore.clickfunnels.com/optiniyvvg89sWant to learn more about Vodyssey or start your STR journey. Book a call here:https://meetings.hubspot.com/vodysseystrategysession/booknow?utm_source=vodysseycom&uuid=80fb7859-b8f4-40d1-a31d-15a5caa687b7THEIR PROPERTIES:Colorado - https://www.airbnb.com/rooms/1562755960719728607?viralityEntryPoint=1&unique_share_id=75F720DA-73D5-45DF-9682-4E74518AC66C&slcid=ae779542d3cb4d3ab2ee90fb49e1a2db&s=76&adults=1&slug=H5IocvFZ&source_impression_id=p3_1765493550_P3wICDvIPieGTBB5Branson- https://www.airbnb.com/rooms/1229090822825468471?check_out=2024-12-06&viralityEntryPoint=1&unique_share_id=23DC7E9C-B549-459E-B846-BC88CCFB6B5E&slcid=807a858f8a1649c7920bb6b5621a2751&s=76&feature=share&adults=1&check_in=2024-11-30&channel=native&slug=DFIlMRFV&source_impression_id=p3_1765493554_P3devVem0Q8Qmg8QFOLLOW US:https://www.facebook.com/share/g/16XJMvMbVo/https://www.instagram.com/vodysseyshawnmoorehttps://www.facebook.com/vodysseyshawnmoore/https://www.linkedin.com/company/str-financial-freedomhttps://www.tiktok.com/@vodysseyshawnmooreChapters00:00:00 Intro00:02:54 The Journey Begins: From Long-Term to Short-Term Rentals00:06:11 Navigating the Market: Choosing Branson for Investment00:09:02 Lessons Learned: The Importance of Underwriting and Marketing00:11:59 Expanding Horizons: The Move to Steamboat00:15:02 Setting Up for Success: The Setup Process and Challenges00:17:10 Navigating Property Goals and Market Dynamics00:21:16 Understanding Regulations in Short-Term Rentals00:24:40 Challenges in the Launch Process00:26:32 Successful Launch and Initial Bookings00:30:28 Future Goals and Portfolio Expansion00:32:17 Lessons Learned and Advice for New Investors

Cadillac Fairview has been shaping downtown Montreal for decades, but the next chapter is about turning legacy retail land into full neighborhoods. In this episode, Axel Monsaingeon sits down with Jeroen Henrich, Senior Vice President of Development at Cadillac Fairview, to break down the shift from condos to rentals, why underutilized parking fields are now some of the most valuable real estate in Quebec, and how mega-sites like Carrefour Laval get redeveloped without hurting retail performance. They dig into master planning as "3D chess", transit and infrastructure constraints, ESG fundamentals that actually move the needle, and the underwriting discipline required when construction costs and capital markets turn volatile.   Topics & Timestamps ⏱️ 00:01:03 – Cadillac Fairview in Montreal

Billy Huang talks about AI underwriting to unlock credit access for creators, music catalogs, and gaming studios by underwriting future earnings. Billy is Co-founder and CEO of CreatorFi, a capital and data infrastructure platform that enables creators to grown and find financial independence while scaling their businesses in the creator economy. Host, Kevin Craine Do you want to be a guest? https://DigitalTransformationPodast.net/guest Do you want to be a sponsor? https://DigitalTransformationPodcast.net/sponsor

The Most Overlooked Underwriting Step in Hard Money Lending: Exit Strategy - #312 In this episode of the Private Lenders Podcast, Jason Balin and Chris Haddon break down the most overlooked underwriting step in hard money lending: the borrower's exit strategy. Whether you're a private lender, hard money lender, or active real estate investor, understanding how your borrower plans to pay off your loan is one of the most critical pieces of the underwriting process—and also the one most lenders get wrong. With over 4,000 funded deals, Jason and Chris share real examples from their portfolio, including: ✔️ Why refinance exits fail more often than borrowers admit ✔️ The red flags you should look for before approving a loan ✔️ Why credit repair + "I'll just refinance later" is rarely a viable plan ✔️ How inherited properties and unsophisticated borrowers add hidden risk ✔️ Why mixed-use and commercial deals require longer timelines and lower LTVs ✔️ What addendums and upfront agreements can do to protect your position ✔️ How to avoid loans that get stuck on your books—and become expensive nightmares From borrower psychology to collateral type to real-world case studies (including foreclosures, bankruptcies, and inherited properties gone wrong), this episode pulls back the curtain on how seasoned lenders underwrite exits before writing a term sheet. Whether you're building your private lending business or tightening up your underwriting process, this conversation will help you protect your capital, reduce defaults, and build a cleaner, more profitable loan portfolio. ✅ Please like, subscribe, and share! ✅ Are you a new or experienced private lender or hard money lender? Join Jason Balin and Chris Haddon from Hard Money Bankers as they draw from their extensive experience running a successful hard money lending company since 2007. Tune in weekly with episodes related to all aspects of private lending. From discovering lucrative loan opportunities to securing private capital, effectively managing your loan portfolio, handling defaults, and much more, we've got you covered. ✔️ Tune in now and watch the full video podcast at www.privatelenderspodcast.com ✔️If you enjoyed this podcast we would appreciate a positive review... https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070 ✔️Make sure to check out the #1 Online Community For New and Experienced Private and Hard Money Lenders.. Create your account at www.hardmoneymastermind.com FOLLOW US ON SOCIAL Get updates or reach out to Get updates on our Social Media Profiles! ✅ Instagram: https://www.instagram.com/hardmoneymastermind/ ✅ Tiktok: https://www.tiktok.com/@hardmoneymastermind

Jeff Rosenberg brings a multi-generation perspective to open-air, retail shopping centers, a sector most investors once wrote off.   His family built and operated supermarkets and the centers around them starting in the 1940s. Big V Property Group grew out of that platform and today controls a $2.5 billion, 9 million square foot national portfolio of open-air shopping centers anchored by the likes of Target, TJX brands, Ross, HomeGoods, Sierra Trading, and others.   That background matters: Big V understands how retailers actually make money, how store-level performance drives traffic, and why certain locations survive every cycle.   A few insights stood out in our conversation: • Physical retail never died (online shopping, Covid etc) it evolved. Retailers now use stores as omnichannel infrastructure: showroom, warehouse, and last-mile all at once. • Power-center retail is effectively an ecosystem. A Target anchor drives demographic analysis, infrastructure improvements, credit co-tenancy, and consistent foot traffic for the rest of the center. • Supply discipline is doing the heavy lifting. Two decades of minimal development plus 96–97% occupancy make today's retail fundamentally different from overbuilt asset classes. • Lenders are leaning back in. Big V recently rolled eight core assets, about $1.1 billion, into a single fund and closed a $765 million on-balance-sheet bank loan, the largest retail financing in the country in 2025. • Underwriting today requires humility. Big V assumes no cap-rate compression. All value has to come from NOI growth and execution, not financial engineering.   Here are five questions we covered: Why did retail survive when everyone predicted structural decline? How does a Target anchor change a center's economics? What does today's capital stack look like for high-quality retail? How do you underwrite exits when cap-rate compression is off the table? Where are the real risks in a sector that looks "safe" on the surface? If you want a grounded view of where the next leg of the retail cycle is heading and how an operator with a decades-long track record has never lost investor capital, this conversation is worth your time.   *** 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

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 some recent government news emanating from Washington D.C. Plus, Robbie sits down with Fairwinds Magda DeMauro for a discussion on how lenders can overcome regulatory and operational barriers, use education, adopt strategic overlays, and embrace emerging tools to offer more flexible, innovative credit decisions that help better support borrowers seeking new or alternative paths to homeownership. And we close by examining what to expect beyond a rate cut at the conclusion of this FOMC meeting.With rising credit costs, every dollar matters. L1 Credit is a full-service credit reporting agency designed to help you reduce expenses and safeguard margins. Lenders switching to L1 Credit are consistently seeing 15-20% savings on credit costs.  L1 Credit delivers the flexibility and value you need on credit, flood, fraud, and verification products—all backed by the high standard of service you expect from Lenders One. Don't wait—request your FREE cost-savings review today at lendersone.com.

Struggling to understand Medicare Supplement underwriting and how preexisting conditions can impact your coverage options? This episode breaks down exactly how health questions influence Medicare Supplement eligibility, when underwriting applies, and the key situations where you can bypass it entirely. Tune in to protect your coverage, avoid costly mistakes, and feel confident choosing the right Medicare Supplement plan.

On Sunday, the “Titanium Lady,” Fox News' Maria Bartiromo, lit up one of the worst perpetrators of the sort of treachery her three-part “Underwriting the Enemy” series has relentlessly exposed: J.P.Morgan's CEO Jamie Dimon. While Dimon was given a chance to tout his company's commendable commitment to invest $1.5 trillion in enhancing U.S. security and resiliency, he was also pressed about his practice of raising funds for Chinese military companies. He declared that he was not going to violate American national security policy and would “absolutely walk away from deals with China…assisting with military equipment.”  In fact, Dimon and his ilk know that doing otherwise actually violates President Trump's America First Investment Policy – which, thanks to Rep. John Moolenaar, Congress is poised to make the law of the land. American security and resiliency starts with ending our underwriting of the enemy. This is Frank Gaffney.

Episode 4978: Globalists Descend On Qatar; Underwriting Terrorism In America

Most operators think debt is dangerous. But what if the real problem is how we think about it?The opposite is true: when used correctly, debt is the single biggest growth lever in cannabis. Every major industry scales on borrowed capital — cannabis is the only one still trying to do it alone.This week we sit down with Adam Stettner to discuss:• Why debt — used properly — compounds growth• The difference between smart leverage and over-leverage• How operators can fix cash-flow bottlenecks and scale predictablyChapters00:00 Introduction to Adam Stettner and FundCanna.03:05 Adam's Journey into the Cannabis Industry06:12 Understanding Underwriting in Cannabis Financing09:05 The Importance of Client-Centric Financing11:56 Navigating Complex Variables in Cannabis Lending14:57 Building Infrastructure for Cannabis Financing17:48 Segmenting the Cannabis Industry for Better Insights20:55 The Unique Challenges of Cannabis Lending24:12 The Role of Transparency in Client Relationships28:23 Building Partnerships for Success29:29 Funding Options for Operational Efficiency32:29 Understanding Technology and Business Operations37:54 Navigating Debt and Financial Strategies42:10 Using Debt to Accelerate Growth52:46 Exploring Funding OpportunitiesSummaryIn this episode, Bryan Fields and Kellen Finney welcome Adam Stettner, CEO of FundCanna, to discuss the complexities of cannabis financing. Adam shares his journey from the apparel industry to cannabis, emphasizing the importance of understanding the unique challenges of underwriting in this space. He highlights the need for a client-centric approach in lending, the significance of transparency, and the innovative strategies FunCounter employs to navigate the cannabis market. Adam also discusses the importance of knowledge sharing and the metrics that indicate success in cannabis financing. In this conversation, Adam Stettner discusses the importance of building partnerships in the cannabis industry, focusing on how funding can enhance operational efficiency and support business growth. He emphasizes the need for flexible financial solutions that allow businesses to thrive without being constrained by debt. Stettner also highlights the significance of understanding technology and its impact on business operations, advocating for a metrics-based approach to financial decisions. The discussion concludes with insights on leveraging debt as a tool for growth and the importance of fostering relationships in the industry.  Guest Links:https://fundcanna.comhttps://fundcanna.com/about/adam-stettner/https://www.linkedin.com/in/adamstettnerhttps://www.linkedin.com/company/fundcanna/About Adam Stettner:Adam has 30 years of business, strategy and leadership experience in both Private and Public Companies. In 2021, Adam believed the timing and opportunity was right for him to bring his passion for business, innovative financing and entrepreneurial spirit to the Cannabis sector by creating funding products for all areas of this early stage, growth industry by founding FundCanna. FundCanna provides short term funding to all areas of the sector; cultivators, manufacturers, vendors, suppliers, distributors and retailers. In just its first year, FundCanna has underwritten roughly 3000 files and funded over 500 unique files bringing much needed liquidity and financing solutions to the legal Cannabis industry.Our Links:Bryan Fields on TwitterKellan Finney on TwitterThe Dime on TwitterExtraction Teams: Want to cut costs and get more out of every run? Unlock hidden revenue by extracting more from the same input—with Newton Insights.At Eighth Revolution (8th Rev), we provide services from capital to cannabinoid and everything in between in the cannabinoid industry.The Dime is a top 5% most shared  global podcastThe Dime is a top 10 Cannabis Podcast The Dime has a New Website. Shhhh its not finished.

Your essential guide to reviewing an underwriting file. Join Ben Fraser as he shares shortcuts and guidelines for evaluating multifamily opportunities.Have more questions, or want more resources like a tax calculator? Go to investlikeabillionaire.org to learn more about our community. Check out Ben & Bob's company and invest along at https://aspenfunds.us/

AI is shifting from a hype buzzword to a true digital coworker that automates the tedious work, elevates human decision-making, and fundamentally changes how insurers handle claims, underwriting, … Read More » The post Why AI Will Transform Underwriting and Claims Faster Than Expected | ITC Las Vegas appeared first on Insurance Journal TV.

Homebuyers facing last-minute mortgage delays will learn why banks suddenly tighten underwriting, scrutinize income, and place closings on hold. In this episode, Kris Krohn breaks down how lenders view equity, what documentation really matters, and how switching lenders can sometimes save a deal. This conversation is packed with practical guidance for navigating home loan approvals, real estate investing, and managing stressful closing timelines.

Lisa Miller has the tables turned on her in this podcast where she's the guest, in this originally-aired episode of the InsuredMine podcast with CEO and host Raution Jaiswal.  The former Florida Deputy Insurance Commissioner discusses her career and the evolving insurance landscape – both here in Florida and nationally – and how to decode it. The discussion covers litigation reforms, market stability, Citizens Property Insurance depopulation, and other legislative actions in Florida that are restoring consumer confidence and attracting private insurance companies. They also touch on national trends like parametric insurance, the rise of artificial intelligence in underwriting and claims, and the impact of the National Flood Insurance Program shutdown on real estate closings.Show Notes (For full Show Notes, visit https://lisamillerassociates.com/episode-61-the-evolving-insurance-landscape/) Lisa Miller shared her extensive experience in the insurance industry, spanning 35 years, and her work with various stakeholders, including agents, contractors, disaster recovery experts, Realtors®, and insurance company executives.  She recounted her first exposure to catastrophes during 1992's Hurricane Andrew, which shaped her career and commitment to helping policyholders, and her expanding role in disaster recovery today.Miller shared her views and provided insights on:  Litigation Reform & Market Stability: How recent legislative actions in Florida are restoring consumer confidence and attracting private insurance companies back to the state. The Citizens Property Insurance Corporation's Depopulation Strategy: The push to move policies from government-run insurance to private markets for long-term sustainability.  The strategy has reduced policies from over 1.5 million to under 500,000. National Trends: The rise of parametric insurance and its potential to revolutionize the flood insurance space; how states such as Louisiana and California are rethinking risk and resilience; concerns of northeastern states about rising water levels; and the importance of attracting young, innovative professionals to the insurance industry to drive future growth and innovation. Innovation & Artificial Intelligence: Why AI isn't a threat but a tool – if used responsibly – to make underwriting and claims smarter.  Miller emphasized the importance of AI in improving efficiency and consumer confidence, emphasizing its potential as a tool rather than a threat.  She discussed a recent Florida legislative committee meeting devoted to AI and its use in insurance claims, including a subsequent bill filed in the January 2026 legislative session that would require human reviews of insurance claim denials. The podcast had its light moments, as well.  “I often laugh and say that when people see me coming, particularly in the halls of the Capitol of Florida, they either run toward me or they run the other way, because those that go the other way are scared of it.  Insurance is very intimidating, and I do everything I can every single day to demystify it,” said Miller.  (For full Show Notes, visit https://lisamillerassociates.com/episode-61-the-evolving-insurance-landscape/) 

Rune Kvist and Rajiv Dattani, co-founders of the AI Underwriting Company, reveal their innovative strategy for unlocking enterprise AI adoption. They detail how certifying and insuring AI agents, through rigorous technical standards, periodic audits, and insurance, builds crucial "AI confidence infrastructure." This discussion explores how their model addresses AI risks, enables risk pricing in nascent domains, and aligns financial incentives for safe, responsible AI deployment. LINKS: AI Underwriting Company Sponsors: Tasklet: Tasklet is an AI agent that automates your work 24/7; just describe what you want in plain English and it gets the job done. Try it for free and use code COGREV for 50% off your first month at https://tasklet.ai Shopify: Shopify powers millions of businesses worldwide, handling 10% of U.S. e-commerce. With hundreds of templates, AI tools for product descriptions, and seamless marketing campaign creation, it's like having a design studio and marketing team in one. Start your $1/month trial today at https://shopify.com/cognitive PRODUCED BY: https://aipodcast.ing CHAPTERS: (00:00) About the Episode (02:53) AI Risks and Analogies (09:14) Insurance, Standards, and Audits (14:45) Insuring Ambiguous AI Risk (Part 1) (14:54) Sponsor: Tasklet (16:05) Insuring Ambiguous AI Risk (Part 2) (25:26) Managing Tail Risk Distribution (27:45) Introducing The AIUC1 Standard (Part 1) (27:50) Sponsor: Shopify (29:46) Introducing The AIUC1 Standard (Part 2) (35:45) The Business Case (40:43) Auditing The Full Stack (48:00) The Iterative Audit Process (54:58) The AIUC Business Model (01:02:26) Aligning Financial Incentives (01:08:56) Policy and Early Adopters (01:11:58) Outro SOCIAL LINKS: Website: https://www.cognitiverevolution.ai Twitter (Podcast): https://x.com/cogrev_podcast Twitter (Nathan): https://x.com/labenz LinkedIn: https://linkedin.com/in/nathanlabenz/ Youtube: https://youtube.com/@CognitiveRevolutionPodcast Apple: https://podcasts.apple.com/de/podcast/the-cognitive-revolution-ai-builders-researchers-and/id1669813431 Spotify: https://open.spotify.com/show/6yHyok3M3BjqzR0VB5MSyk

Matt Faircloth interviews Robert Beardsley, partner at Lone Star Capital (LSCRE), about navigating the current multifamily cycle, surviving 2021–2022 acquisitions, and why the most resilient opportunities today hinge on debt structure, affordability incentives, and supply-constrained submarkets. Robert breaks down how Texas multifamily has shifted from a “prices only go up” environment to a more balanced but still competitive market, where Class B suburban assets with little new supply outperform shiny Class A developments offering heavy concessions. He explains how LS CRE avoided major distress by minimizing bridge debt exposure and shifting early into affordable-housing-driven acquisitions—leveraging tax-exemption partnerships with housing authorities to create stable NOI without risky value-add pushes. The two dive deep into rising treasuries, soft-landing odds, rent-to-income resilience, recession risk, Texas HB 21 fallout, and why hundreds of improperly structured tax-exemption deals may implode when exemptions expire in 2026. Robert BeardsleyCurrent role: LSCRE, Founder/CEOBased in: Houston, TexasSay hi to them at: https://lscre.com Start earning passive income today at gsprei.com/bestever Alternative Fund IV is closing soon and SMK is giving Best Ever listeners exclusive access to their Founders' Shares, typically offered only to early investors. Visit smkcap.com/bec to learn more and download the full fund summary. Join us at Best Ever Conference 2026! Find more info at: https://www.besteverconference.com/  Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at⁠ ⁠⁠⁠www.bestevercommunity.com⁠⁠ Podcast production done by⁠ ⁠Outlier Audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Over the last year, Montreal's industrial market has gone from uncertainty to cautious Former pro hockey player turned top investment broker, Joe Rullier (Executive Vice President, Colliers), shares how he went from the NHL grind to building the #1 investment team in Canada and navigating one of the toughest markets Montreal has seen in years. In this episode, Joe breaks down how New York's high-pressure investment world shaped his work ethic, why land deals have slowed, how he underwrites like a banker to make deals actually financeable, and where he sees real opportunity right now in Montreal's multifamily and land markets. From CMHC delays to older stock repositioning, Joe explains the mindset, structure, and creativity investors need if they want to win in today's environment instead of buying into "dream" pricing that never materializes.   Topics & Timestamps ⏱ 00:01:03 – Welcome back to the Espace Montreal Podcast & intro to Joe Rullier

In this special episode recorded live at Money2020 in Las Vegas, we dive deep into what I think is the most transformative development in lending over the past decade: cash flow underwriting. I welcome back to the show Jason Rosen, CEO and co-founder of Prism Data (I last had Jason on the show back in 2019 when he was with Petal), to explore how real-time bank account data is revolutionizing credit assessment in ways that traditional credit scores simply can't match.Jason explains why the financial disruptions of 2020, from pandemic relief to widespread job changes, exposed critical gaps in conventional credit reporting, and how cash flow underwriting is filling that void. The conversation covers the breakthrough adoption of this technology by major traditional banks, the limitations of FICO scores in capturing a complete financial picture, and why cash flow underwriting represents a once-in-a-century shift in how creditworthiness is measured.In this podcast you will learn:How Jason first got interested in cash flow underwriting.The origin story of Prism Data and how it was incubated inside Petal.How he describes Prism Data today.What goes into building their unique credit models.How their CashScore is created.What matters most in how they distill all the semi-structured data into a score.Why credit decisions are more intuitive when being made with cash flow underwriting.The lending categories where they are seeing the most rapid adoption.How smaller financial institutions can avoid being left behind.Jason's view on why traditional credit models have become less predictive.How lenders are using cash flow underwriting in their application flow.How the friction in connecting a bank account is being reduced rapidly.The impact of the Chase-Plaid deal on cash flow underwriting.What sets Prism Data apart from the others in the cash flow underwriting space.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

Jack Cameron is the co-founder of CreatorFi, a unified platform for creative capital, partnerships, and growth enablement to help the world's best creators Why you should listen CreatorFi is a financing platform developed by the team behind Insomnia Labs, designed to provide working capital to digital creators across categories such as YouTube, music, and user-generated gaming platforms like Roblox. The product emerged after multi-channel networks and creator organizations—including Yoola, which represents around 3,000 creators—approached Insomnia seeking a more efficient way to lend against creators' digital earnings. CreatorFi underwrites assets such as YouTube channels, music catalogs, and in-game item sales, determining how much a creator earns and how much can be advanced to them. The platform uses machine-learning models to evaluate creator data, behavioral patterns, and catalog performance to generate risk-adjusted financing offers. Because digital earnings can be redirected at the platform level, CreatorFi operates as a receivables-based lender—allowing repayments to occur in real time and reducing risk for liquidity providers. Underwriting challenges vary by vertical: YouTube and Roblox offer relatively clean data streams, while music earnings require additional normalization due to fragmented reporting systems. CreatorFi issues advances and repayments primarily in USDC and operates on Aptos, selected for its native USDC support, low transaction fees, and robust on-/off-ramp payment infrastructure. This stablecoin-based system enables faster, lower-cost global payments, particularly benefiting creators in regions where FX conversion fees can exceed 70%. CreatorFi has active partnerships with YouTube networks, music distributors, and Roblox studios, and the company is expanding its origination capacity following a newly announced $2 million strategic partnership with Aptos, with additional creator-focused partnerships planned. Supporting links Stabull Finance Creator Finance Andy on Twitter  Brave New Coin on Twitter Brave New Coin   If you enjoyed the show please subscribe to the Crypto Conversation and give us a 5-star rating and a positive review in whatever podcast app you are using.

Welcome back to our Engineering the SMB Capital Stack, sponsored by our friends at Fundbox. In this four-part series, we're exploring small businesses, small business lending, and the forces shaping how small businesses access capital. I'm joined by Prashant Fuloria, CEO of Fundbox, as cohost. In Episodes 1 and 2, we explored the state of small business lending and how capital actually reaches small businesses.  In Episode 3, we move to the heart of the SMB lending stack: underwriting (the core of how lenders evaluate and manage risk). Joining us is longtime SMB lending leader, Bernardo Martinez, currently at SoFi. Bernardo is the executive leading SoFi's SMB efforts (in addition to other initiatives like SoFi at Work, which is an employer-branded program to help companies support their talent through financial products).   Highlights include: Why analog ops and missing data have always constrained SMB underwriting, and how overdue digitization and vSaaS are finally changing the picture. What a true 360 degree view looks like when you blend bank transactions, payment processing, invoicing, and ledger data all together (and even flavor with non-financial signals like repeat visits, foot traffic, and even satellite imagery). Where machine learning and generative AI actually belong in SMB lending, from stitching together CRM, accounting, banking, and marketing data to delivering CFO-style guidance that saves owners time (and lowers probability of default). The next decade in small business finance isn't about originating loans more quickly. The real unlock will be how well you feed the data back into the business itself (the better that business runs, the safer the loan becomes).  That means translating raw signals into value added services that help owners strategize growth, spot risks early, and above all, save time!  Our data and tools are finally catching up to the needs of SMBs, which makes this an exciting moment for anyone building products for them. Don't forget to subscribe to catch future episodes and insights! This episode was brought to you by Fundbox.  As a leading capital infrastructure provider behind the digital SMB economy, Fundbox is focused on enabling platforms to embed financial tools directly into their user experiences. Learn more here: https://bit.ly/4o1cWVG Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson Follow Prashant: https://www.linkedin.com/in/fuloria/ Follow Bernardo: https://www.linkedin.com/in/bernardo-martinez-639293/ Learn more about Fundbox here: https://bit.ly/4o1cWVG

In this episode of Gimme Some Truth, hosts Clint and Nate sit down with insurance veteran Rod Crandall to explore how long-term care insurance can protect your financial future.Rod breaks down common misconceptions, explains how long-term care coverage fits into retirement planning, and shares his personal experience purchasing a policy. The conversation also covers:✅ Current costs of long-term care in Wisconsin✅ Different types of long-term care insurance (traditional vs. modern hybrid options)✅ Underwriting and eligibility considerations✅ Why proactive planning matters for financial security and family protectionIf you're wondering whether long-term care insurance makes sense for your situation—or how to start planning—this discussion is a must-watch.

Robert Wiest, CEO, MS Reinsurance, discusses reinsurance trends, the importance of underwriting discipline and strategies for managing risk in a changing market. Wiest spoke with AM Best TV at the Rendez-Vous de Septembre conference, Monte Carlo.

Follow Proof of Coverage Media: https://x.com/Proof_CoverageIn this episode Connor & Mahesh sit down with Akshay Poshatwar & Nishikant Bahalkar, founders of Qiro, to discuss their ground-breaking platform aimed at tackling adverse selection through a unique credit risk underwriting protocol. Akshay shares his journey from the FinTech industry in India, highlighting the potential for global capital access through decentralized finance. Nishikant adds his insights on the evolution of blockchain and DeFi, emphasizing the benefits and challenges in Real World Assets (RWA) lending. The discussion includes how Qiro aims to bridge TradFi and DeFi, offering solutions for different asset classes and the promising future of decentralized infrastructure networks (DePIN). The episode wraps up with a look towards the company's rapid growth and their search for strategic hires, particularly in business development within the U.S. and Europe.Timestamps: 00:00 - Introduction 00:46 - Meet the Qiro Team01:53 - Founders' Backgrounds and Journey09:35 - Understanding Qiro's Unique Platform13:30 - Challenges and Innovations in RWA Lending24:36 - DePIN Networks and Future Prospects31:13 - Hiring and Growth at Qiro33:52 - Conclusion and Contact InformationDisclaimer: The hosts and the firms they represent may hold stakes in the companies mentioned in this podcast. None of this is financial advice.

In this episode, Robin Merttens sits down with Haris Khan and Arved Pohlabeln, co-founders of Novee, to unpack what's broken in specialty underwriting — and how AI is finally in a position to fix it. Having met as consultants at Deloitte, Haris and Arved kept encountering the same themes: overworked underwriters, inconsistent submissions, and transformation efforts that rarely made a real difference. That frustration turned into action. Today, they're building Novee — an AI assistant designed specifically for underwriters, combining insight generation with targeted automation. In this conversation, Haris and Arved share: Why underwriting processes remain complex, fragmented and hard to standardise What makes specialty submissions so variable — and why every case feels like an edge case How Novee delivers value in two ways: by surfacing better risk insights and automating manual tasks Why underwriters are embracing AI tools now — not resisting them What it takes to get live in weeks, not months, with meaningful value The real-world impact of extracting information from unstructured submissions How they raised £1.6 million in seed funding and what they're doing with it Why verticalised AI is outperforming generic solutions in insurance What it means to redesign underwriting interaction patterns — and why inbox to insight is the future The case for using AI before you fix your data, not after 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: Describe the real-world challenges underwriters face when working with inconsistent, unstructured submissions. Define the concept of verticalised AI in the context of specialty underwriting and how it differs from generic AI solutions. List the specific ways Novee supports underwriters through both insight delivery and task automation. 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 381 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.

In this conversation, Dylan Silver interviews Chipp Naylon, who shares his journey from the Marine Corps to becoming a real estate developer. They discuss the importance of tax incentives in real estate development, the challenges of building affordable housing, and the current trends in Virginia's real estate market. Chipp also talks about his consulting work and the diverse range of clients he serves, from new investors to larger developers.   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   —--------------------

Follow Proof of Coverage Media: https://x.com/Proof_CoverageSantiago Santos, Jason Badeaux, Mahesh Ramakrishnan, and Connor Lovely explore the intersection of politics, technology, and the future of energy infrastructure. The conversation begins with reflections on New York politics and the power of authentic storytelling before shifting to the energy crisis, rising electricity prices, and the misalignment of traditional utility models. Jason discusses Daylight's mission to decentralize energy markets, empowering individuals to participate in energy production and finance through distributed energy resources and tokenized financial products. The hosts draw parallels between marathon running and long-term commitment, contrasting this with modern shortcut culture, while examining how AI, electric vehicles, and DeFi are reshaping energy demand and financing. The episode offers insightful commentary on innovation, capital markets, and the future of sustainable power.Timestamps:00:00 - Introduction01:45 - New York City Challenges02:30 - The American Dream Debate04:55 - New York Marathon07:51 - DePIN and Daylight Announcement08:25 - Electricity Pricing Issues11:01 - Infrastructure Challenges12:36 - Market Dynamics and Demand Growth13:53 - Daylight App Features15:32 - Distributed Energy Resources17:42 - Future of Energy Prices19:22 - Australia's Solar Market Success22:55 - Customer Uptake and Market Expansion25:46 - Tokenized Yield Products27:43 - Capital Market Dynamics29:27 - Duration Risk Management31:09 - Quality of Underwriting in Solar Loans33:38 - Daylight Pitch to Traditional Allocators35:09 - Market Size and Opportunities40:45 - Potential Collaboration with Base Power47:23 - Challenges and Risks in the Token Market50:44 - Speculative Capital & Revenue54:08 - Helium's Market Position and Comparisons56:35 - On-Chain Revenue and Governance DynamicsDisclaimer: The hosts and the firms they represent may hold stakes in the companies mentioned in this podcast. None of this is financial advice.

On today's show we are talking about Assisted Living and the number one mistake that investors (large and small) make when it comes to investing in senior housing.-------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

There's one word dominating the multifamily space right now: uncertainty.Deals feel shaky. Underwriting feels like guesswork. And the capital markets? Still unpredictable. So what's the smart move?In this episode of the Multifamily Collective, I outline three critical actions every multifamily owner should take right now to prepare for what's next—not just to survive, but to thrive as we edge toward the next growth cycle.Here's the play:Stack Cash – Hold your fire. Deals that look okay today might look great in 2026–2027.Upgrade Your Talent – Asset management, HR, ops, facilities, marketing… now's the time to recruit A-players.Act with Intention – No more reactionary leadership. Set your priorities, align your team, and lock into daily disciplines that drive performance.The mission is about patience and preparation.The next multifamily boom isn't that far off. But only the operators who get disciplined now will be ready to capture it.If you found this helpful, tap like, hit subscribe, and share this with someone who needs a strategic reset.Let's get focused. Let's get intentional. Let's get ready.

What did you think of todays show??Not every deal is worth chasing, and not every deal is worth keeping. And right now, a lot of investors are learning that the hard way. In this episode, find out how refinancing has become one of the biggest traps for investors, which deal types are getting flagged by lenders, and why sometimes the best decision is to sell.Topics discussed:Introduction (00:00)The 80/20 rule for problem deals and clients (01:36)When to keep pushing vs. when to walk away (03:31)The inflection point flippers are hitting right now (07:02)The rental strategy that's in trouble (08:16)Why you should consider selling your properties (11:09)What investors get wrong about their equity (11:37)Depreciation and true wealth strategies (13:37)Underwriting and lending criteria for big funds (18:39)Why lease terms matter for DSCR loans (19:33)Why loan rates aren't lower but mortgage rates are down (21:45)How the government shutdown is impact housing (24:23)The inefficiency and inaction of government (31:12)The growth of our lending business (35:50)Fed updates and what to expect in the next six months (38:20)Sign up to join the FREE Scale Community! https://collectingkeys.com/Want deeper breakdowns like this every week? Subscribe to the Collecting Keys newsletter! https://collectingkeys.com/newsletter/Follow us on Instagram!https://www.instagram.com/collectingkeyspodcast/https://www.instagram.com/mike_invests/https://www.instagram.com/investormandan/https://www.instagram.com/dylan_does_dealsThis episode was produced by Podcast Boutique https://www.podcastboutique.com

In this episode of the Real Estate Pros podcast, host Q Edmonds interviews Anshul Sharma, who runs one of the largest land wholesale operations in the country. Anshul shares insights into his journey in the real estate industry, emphasizing the importance of lead generation, consistent underwriting, and the challenges faced in the market. He discusses the significance of having a clear target for business growth, the necessity of building relationships, and the critical role of mindset in achieving success. The conversation highlights the roller coaster nature of entrepreneurship and the importance of surrounding oneself with the right people.   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   —--------------------

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

In this episode of the Real Estate Pros podcast, host Erika speaks with Adi Omesy, co-founder of Brick, a tech-driven real estate company. Adi shares his journey from the tech industry to real estate, discussing how Brick aims to revolutionize deal sourcing for investors. The conversation covers the importance of leveraging technology in real estate, user feedback on Brick's platform, future growth plans, and the impact of AI on the industry. Adi emphasizes the need for startups to create value and build partnerships, highlighting the supportive nature of the startup community.   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   —--------------------

Real-estate operator August Biniaz (Co-Founder & CIO, CPI Capital) breaks down how he grew from agent and small developer to closing $225M+ in multifamily assets—plus the boutique advantages that win in today's market: cross-border investor structures, a mid-market acquisition lane ($20–$50M), and ruthless underwriting discipline (rent growth, exit caps, and debt selection). We cover value-add vs BTR, lessons from deals walked away from, and why talent, conservative debt, and 95% occupancy targets matter more than spreadsheets. Highlights The mid-market moat: Why 100–300 doors, < $50M assets in Tampa (FL) and San Antonio (TX) are a sweet spot. LP economics first: Targeting 15–20% average annualized returns and passing the "net-to-investor" test before bidding. Underwriting levers that kill deals: Keeping organic rent growth to ~2.5%–3%, and being conservative on exit cap rates. Debt is destiny: Why fixed, interest-only 5-year debt reduces "debt distress" risk. Boutique advantage: Direct access to principals, tight asset management, investor dinners, and hands-on ops. Cross-border structure: How Canadian LPs invest into U.S. deals while avoiding double taxation and using registered retirement funds (via MFT). Lessons learned: "Best deals are often the ones you walk away from," plus "hire slow, fire fast. Enjoyed this? Subscribe to The Practical Wealth Show, share with an investor friend, and book a discovery chat to map your cashflow and capital strategy. Links and Resources from this Episode https://www.practicalwealthadvisors.com https://www.practicalwealthsolutions.net/ Email Curtis for a free report - curtmay@gmail.com Call his office - 610-622-3121 ERC Tax Credit - https://ercspecialists.com?fpr=curtis75 Schedule a call with Curtis: https://aptwithcurtis.as.me/Strategysession CashFlow Mapping: https://practicalwealth.cashflowmapping.com/lp/PWbudgetsstink Take the Next Step with Curtis May: Business Owners: Assess Your Challenges with Cash Flow → https://curtis-73no5r8j.scoreapp.com Private Banking Readiness Assessment → https://curtis-qljorw8q.scoreapp.com How Ready Are You to Be Your Own Bank? → https://link.agent-crm.com/widget/quiz/XJwH7kM0wWxYB1KICcOW Connect with August Biniaz august@cpicapital.ca LinkedIn: linkedin.com/in/augustbiniaz Company: cpicapital.ca Newsletter: cpicapital.cpicapital.ca/newsletter Investor scheduling: meetings.hubspot.com/a Phone: +1 (604) 363-4797 Special Listener Gift Schedule a 15-Minute Call with Curtis: https://aptwithcurtis.as.me/Strategysession Review, Subscribe and Share If you like what you hear please leave a review by clicking here Make sure you're subscribed to the podcast so you get the latest episodes. Click here to subscribe with Apple Podcasts Click here to subscribe with Spotify Click here to subscribe with RSS

Kim Lisa Taylor and Krisha Young welcome Bob Bowman, the creator of Commercial Underwriter, one of the most popular commercial underwriting software platforms in the industry. Bob has built a reputation for helping real estate syndicators analyze deals with accuracy and speed. In this episode, he shares the secrets behind successful underwriting, what makes or breaks a deal, and how technology is reshaping the way professionals evaluate commercial real estate. Whether you're new to underwriting or looking to sharpen your skills, Bob's insights will help you approach your next deal with confidence and clarity.

In this episode of the Real Estate Pros podcast, host Michelle Kesil interviews Greg Gaudet, a real estate investor based in Maui. Greg shares his journey into real estate investing, discussing his focus on wholesaling, flipping, and rentals. He emphasizes the importance of consistent marketing and a conservative approach to deal-making, especially in the unique Maui market, which faces challenges such as potential legislation affecting vacation rentals. Greg also outlines his strategies for finding off-market deals and reflects on his future goals following personal challenges. The conversation provides valuable insights for aspiring real estate investors. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind: Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply Investor Machine Marketing Partnership: Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com Coaching with Mike Hambright: Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform! Register here: https://myinvestorinsurance.com/ New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club —--------------------

5 Critical Underwriting Checks Most Private Lenders Overlook - #305 When it comes to private lending, even experienced lenders can miss key underwriting details that make or break a deal. In this episode of the Private Lenders Podcast, Jason from Hard Money Bankers walks through five critical underwriting checks that most private lenders overlook — insights learned from over 4,000 funded loans. Whether you're lending on fix-and-flip, BRRRR, or new construction projects, this episode will help you identify hidden red flags, avoid fraud, and protect your capital.

In this episode of the Massive Passive Cashflow Podcast, I sit down with investor and operator Jack Martin, Co-Founder & Chief Investment Officer of 52TEN, to break down why mobile home parks (MHPs) can be the most stable cash-flowing real estate when structured as tenant-owned homes (TOH) on leased land. From renovating SFRs and scaling multifamily to building an institutional-grade MHP platform, Jack explains the playbook: buy quality assets, stabilize, return capital, then keep the long-term coupon—with powerful bonus depreciation along the way. An Army veteran turned entrepreneur, Jack co-founded 52TEN, an Arizona-based, vertically integrated investment firm specializing in the acquisition and repositioning of mobile home parks. The firm manages 1,800 lots across 5 states with $60M in private investor capital, helping clients invest with confidence using a long-term, tax-favored strategy. Jack's broader background spans $450M+ in acquisitions/dispositions across residential and commercial assets, general contracting and development, and capital management. We discuss how to underwrite institutional-quality parks (often 100+ lots), why TOH beats POH for durability and maintenance, what markets and regulations to watch, and how agency debt (Fannie/Freddie) and expense discipline (often ~30–40%) shape returns. If you're an investor seeking durable income, low turnover, and smart tax planning, this episode is your blueprint. What You Will Learn: How Jack “tripped” into mobile home parks—and why he never looked back Why tenant-owned homes (TOH) create exceptional stability & low turnover (avg. stays can approach ~15 years) The supply reality: for every 1 park built, ~10 are redeveloped—how scarcity impacts value A simple market screen: affordability gap (median home price ≈ $300k+), plus job & population growth Regulation & rent control: why owner-friendly jurisdictions matter—and how policy affects capex and community outcomes Underwriting the deal: target lot counts, quality thresholds, and getting agency-eligible debt Expense & utilities 101: typical 30–40% expense ratios; power direct-billed; water/sewer sub-metered & billed back The 52TEN playbook: buy great assets → stabilize → refi/supplemental → return capital → hold the coupon Tax angle: how bonus depreciation can create meaningful passive losses on K-1s (consult your CPA) Who can invest (accredited only) and the minimum check size ($100k) Links & Resources: Website: https://52ten.com/ LinkedIn: https://www.linkedin.com/in/jack-martin-52ten/ Attention Investors and Agents: Are you looking to grow your business? Need to connect with aggressive, like-minded people like yourself? We have the tools, knowledge, and coaching to help you thrive and positively impact your bottom line.

Seller finance compliance feels messy because multiple rule sets overlap and the gray areas are real. In this episode, I break down the essentials—Dodd-Frank Ability-to-Repay (ATR), TRID timelines, and the “Rules of 1, 3, and 5”—and show you how to keep deals simple, compliant, and sellable. Key takeaways Dodd-Frank ATR (the big one): If your borrower is an owner-occupant, you must make a good-faith determination they can repay (credit, income, debts, residual income). You want to underwrite anyway—this protects you and improves loan performance. TRID basics: Send a Loan Estimate (LE) ≥ 7 business days before closing and a Closing Disclosure (CD) ≥ 3 business days before closing. Disclosure reduces misunderstandings and defaults. Rules of 1 / 3 / 5 (why the myths persist): “1 per year”: Only applies to natural persons selling their own primary residence (not investment deals or entities). Not the “do anything you want” rule most think it is. “3 per year”: You can create up to 3 loans/year without involving an RMLO, but ATR still applies. Not Wild West. “5 per year”: You can do up to 5 loans/year without TRID, but if you're already doing ATR with an RMLO, you'll typically do TRID too—there's no reason not to. Why follow ATR + TRID even when not strictly required: Better underwriting → fewer defaults Easier to sell (and at higher prices) to institutional buyers Enforceability if a borrower contests in court Costs are typically passed to the borrower at closing Servicing tip: For owner-occupied loans, use a third-party servicer. Compliance on servicing is even stricter, and you can contractually pass the monthly fee to the borrower. Resources mentioned

Telemetry is changing the underwriting game, enabling a shift from clunky forms to real-time, verifiable risk data.In this episode, host Anthony Hess sits down with Alex Jomaa, Chief Underwriting Officer at Onda, to explore how real-time data is transforming cyber underwriting, and why it's time the industry stopped relying on outdated processes that frustrate clients and slow brokers down.Alex explains how Onda's Navigator platform integrates directly with a client's infrastructure to deliver objective, verifiable cyber risk insights, thereby eliminating the back-and-forth of long-form questionnaires. In addition, he unpacks the biggest hurdles to cyber adoption, from poor timing and over-complication to misaligned incentives and volatile pricing cycles.You'll learn:1. How telemetry brings scale, accuracy, and speed to cyber underwriting2. What really stops buyers from purchasing cyber policies3. How brokers can sell cyber coverage more effectively4. The key signals Onda uses to assess cyber hygiene and risk quality5. Why market volatility is damaging long-term trust in cyber insurance___________Get in touch with Alex Jomaa on LinkedIn: https://www.linkedin.com/in/alex-jomaa-b84b8520/ ___________About the host Anthony Hess:Anthony is passionate about cyber insurance. He is the CEO of Asceris, which supports clients to respond to cyber incidents quickly and effectively. Originally from the US, Anthony now lives in Europe with his wife and two children.Get in touch with Anthony on LinkedIn: https://www.linkedin.com/in/anthonyhess/ or email: ahess@asceris.com.___________Thanks to our friends at SAWOO for producing this episode with us!

In this episode of the Private Markets Outlook series, we sit down with Scott Giardina, Managing Director and Head of Trading for Future Standard's Global Credit Team, for an in-depth look at the current state of private credit.Scott joins Research team members Alan Flannigan and Andrew Korz to discuss the benefit of specialization in private credit, why lender protections matter more than ever and what it means for investors.The Private Markets Outlook podcast series from Future Standard features portfolio managers from across our firm, each bringing unique perspectives on private equity, private credit and real estate. Subscribe and stay tuned for more.Follow the value, not the herd: The new private markets imperative Q4 U.S. economic outlook: Artificial intelligence, real economic impact U.S. exceptionalism at a crossroadsHave a question for our experts? Text us for a chance to have your questions answered on the next episode.To watch the video version, go to https://www.youtube.com/@futurestandard_fs For more research insights go to https://futurestandard.com/insights

Episode 591 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this insightful episode, Carl sits down with top-producing loan officer Mike Steplowski from Mount Juliet, Tennessee, to uncover how his team is using AI to clear underwriting conditions faster than ever. Mike shares how his crew leverages a free AI tool called Perplexity to instantly find answers straight from agency guidelines, cutting out the hours of manual searching and reducing interruptions so everyone stays focused on closing loans. Carl and Mike break down how this simple shift has streamlined communication, boosted productivity, and helped his team close 13 loans in a single month while freeing Mike from being the “easy button” for every question. They also touch on how sticking to the basics of the Daily Success Plan continues to fuel steady, referral-based growth even in a changing market. This episode is a great reminder that technology doesn't replace good habits, it amplifies them. When your team knows where to find answers, you stay focused on what really moves the needle: conversations, closings, and client relationships. If you'd like to connect with Mike, click here to find him on Facebook. Join Loan Officer Breakfast Club at LoanOfficerBreakfastClub.com where we share ideas like this every weekday morning and even send you the replays if you can't make it live. Schedule a one-on-one free coaching call, click here or visit LoanOfficerStrategyCall.com.

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Amit Santhirasenan, co-founder and CEO of hyperexponential, an actuary and software engineer who has built the AI native pricing and underwriting platform used by leading specialty carriers. In this episode we cover how to turn messy submissions into structured signals your pricing model can trust – without hiring an army, multi agent architectures, the agentic AI mesh, and the human in the loop controls executives need for auditability and speed, and where agentic underwriting is ready today (and where it isn't), plus the metrics executives should track—cycle time, hit ratio, and loss ratio uplift. KEY TAKEAWAYS Email submissions were a luxury at the start of my career! What's been so exciting for me, as a self-professed nerd, is the pace at which the capabilities of core models have got so good that even 6 months ago was a whole product's capability and feature set is now within the gift of Gemini or GPT5. If you're an underwriter filling out a spreadsheet/renew model, in 2025 you need to be working with hx underwriting , actuary or agent inside a renew model to have your paired partner helping you get to the best result. Why can't you have deep risk research on every single risk? Why can't you say: Tell me the most important characteristics in the world that you can tell me about the top 3 exposures? No human can do this work, the cost/benefit trade off there isn't economic, but you can run an OpenAI deep risk API call to do that on every single risk you underwrite today. We do it for you, it's what we do. All of a sudden it's dramatically easier to bring that level of differentiation and specialism in the way that great underwriting has always been done to every single risk you want to touch. BEST MOMENTS ‘You won't see that many places with a $7 trillion contribution to GDP, with such a small number of companies and people responsible for this.' ‘We demonstrated the first API machine vision algorithm in the market in 2017, now kids coming out of university are doing that as toy projects before they get to our clients.' ‘You can have an army of digital agents helping you now, all for $20 per month!' ‘Generative AI models have unlocked the ability to pull data so quickly out of the information required for underwrite that you can put a very quick red/amber/green status on risks, several orders of magnitude greater than ever before.' ABOUT THE GUESTS Amit Santhirasenan is the Co-founder and CEO of Hyperexponential (hx), the AI native pricing and underwriting platform for P&C insurers. Under his leadership, hx Renew has become known for delivering executive level outcomes: ~50% faster submission to bind, 10× faster model build and deployment, and a platform that supports $45bn+ in GWP for 20+ enterprise customers worldwide. A qualified actuary and computer scientist, Amrit previously spent over a decade in the London Market. He served as Head of Pricing & Analytics at Tokio Marine Kiln, building the managing agent's first technical pricing team to support ~£1.5bn GWP, and earlier held actuarial roles at Catlin (including standing up the Canadian actuarial function). 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/