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#353 How to Maximize Real Estate Tax Benefits Before Year-End

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Release Date: 11/03/2025

#357 The 50-Year Mortgage: Fix or Failure for Housing Affordability? show art #357 The 50-Year Mortgage: Fix or Failure for Housing Affordability?

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With affordability at record lows, new mortgage ideas are surfacing to “fix” the housing market, but not all solutions make sense. In this solo episode, Ron Phillips breaks down the proposed 40- and 50-year mortgage options and explains how they might impact buyers, investors, and the broader economy. He compares payment savings versus long-term costs, exposes why extended loans could worsen inflation and supply issues, and shares his preferred alternative: a hybrid interest-only model that offers flexibility without trapping buyers in decades of debt. Ron also calls out how government...

info_outline #356 The Real Affordability Crisis: Why First-Time Buyers Can’t Compete show art #356 The Real Affordability Crisis: Why First-Time Buyers Can’t Compete

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Is the housing market broken, or just misunderstood? Ron Phillips cuts through the noise to explain why affordability is collapsing for first-time buyers and why interest rates aren’t the real culprit. Dive in as he breaks down the true barriers, rising costs, debt loads, and all-cash competition, and shares clear strategies for investors to buy smart, stay cash-flow positive, and build wealth while others wait for a “reset” that may never come.   WHAT YOU’LL LEARN FROM THIS EPISODE   Why the biggest issue in real estate isn’t rates A gap between first-time buyers and...

info_outline #355 How Tech Is Redefining Homeownership show art #355 How Tech Is Redefining Homeownership

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The real estate industry is changing faster than ever, and technology is leading the charge. In this solo episode, Ron Phillips breaks down Rocket Companies’ latest acquisitions of Mr. Cooper Group and Redfin, and what this means for the future of real estate. By combining the nation’s largest loan originator, mortgage servicer, and home search platform, Rocket is building a true end-to-end homeownership experience. Ron explores how this new model will disrupt traditional brokerages, challenge the National Association of REALTORS®, and finally simplify the complex process of buying and...

info_outline #354 Who Really Owns America’s Rentals? Inside the 2025 Investor Report show art #354 Who Really Owns America’s Rentals? Inside the 2025 Investor Report

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Think Wall Street dominates the real estate market? Think again. In this solo episode, Ron Phillips breaks down key insights from Batch Data’s Q2 2025 Investor Pulse Report, revealing the real story behind who owns America’s homes. Over 90% of rental properties are owned by small and mid-sized investors, not mega hedge funds. Ron explains how these independent investors are stabilizing markets, adding rental supply, and outperforming institutional players. He also highlights how shifting mortgage rates, cash purchases, and investor behavior are shaping the future of real estate.  ...

info_outline #353 How to Maximize Real Estate Tax Benefits Before Year-End show art #353 How to Maximize Real Estate Tax Benefits Before Year-End

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It’s that time of year again, when smart investors make last-minute moves that pay off big. Today, we explain why waiting until December to buy or refinance property could cost you valuable tax advantages. Hear updates on mortgage rates, small investor power, and why now is the time to plan, not panic, before the year closes.   WHAT YOU’LL LEARN FROM THIS EPISODE   Why early November is the true deadline for year-end real estate tax strategy How bonus depreciation can create massive write-offs on investment properties What’s really happening with the Fed funds rate vs....

info_outline #352: What’s Really Driving the Housing Crisis show art #352: What’s Really Driving the Housing Crisis

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Affordable housing isn’t just a buzzword; it’s becoming a national crisis. In this solo episode, Ron Phillips breaks down the data from the Atlanta Fed’s Home Ownership Affordability Monitor and reveals why the numbers tell a bigger story about government intervention, construction costs, and market imbalance. He explains how home prices, interest rates, taxes, and insurance interact to shape affordability, and why builders have stopped creating entry-level homes altogether. This episode cuts through the noise to show what’s really behind the housing gap and what it means for...

info_outline #351 How to Double Your Money Faster with the Rule of 72 show art #351 How to Double Your Money Faster with the Rule of 72

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Most investors underestimate how powerful consistent, uninterrupted returns can be. In this solo episode, Ron Phillips breaks down the “Rule of 72” and explains how even small differences in annual returns can dramatically accelerate your wealth. Learn how stacking real estate’s four key returns, cash flow, appreciation, principal reduction, and tax benefits, creates compounding growth that beats traditional investments over time.   WHAT YOU’LL LEARN FROM THIS EPISODE   4 types of real estate returns that work together to build wealth How compounding and uninterrupted...

info_outline #350 Renting vs. Owning: What the Data Really Shows show art #350 Renting vs. Owning: What the Data Really Shows

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Every week, new headlines and charts make real estate look either like it’s about to skyrocket or crash and burn. In this episode, Ron Phillips unpacks the fearmongering and cherry-picking in foreclosure, mortgage rate, and net worth data. He explains why context matters, how to read beyond the graphs, and where the truth usually lies somewhere in the middle. Instead of falling for polarized narratives, Ron shows how to focus on fundamentals and long-term investing strategies that stand the test of time. WHAT YOU’LL LEARN FROM THIS EPISODE   What 2025 foreclosure filings compared...

info_outline #349 Insider Secrets to Scoring the Lowest Loan Rates in Real Estate show art #349 Insider Secrets to Scoring the Lowest Loan Rates in Real Estate

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Confusion about interest rates and lending is everywhere, and too many investors end up making costly mistakes. In this episode, Ron Phillips breaks down how mortgage rates really work, why the Fed doesn’t directly control them, and how layers of middlemen can quietly inflate your loan costs. He shares practical strategies for comparing lenders, understanding par rates, and avoiding unnecessary fees so you can secure better financing for your investments.   WHAT YOU’LL LEARN FROM THIS EPISODE   Why mortgage rates don’t move in lockstep with Fed rate cuts The role of the...

info_outline #348 Cash-Out Refinances That Actually Grow Portfolios with Brendan Seiber show art #348 Cash-Out Refinances That Actually Grow Portfolios with Brendan Seiber

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The headlines about interest rates and real estate markets are often confusing, and many investors end up stuck on the sidelines. In this episode, Brendan Seiber cut through the noise and walk through real-world client examples of how equity repositioning, refinances, and 1031 exchanges can accelerate portfolio growth.    WHAT YOU’LL LEARN FROM THIS EPISODE   How DSCR loans make cash-out refinances possible even with higher rates Why interest-only loans can help investors reposition equity faster A step-by-step breakdown of a client refinance that unlocked $100K for...

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More Episodes

It’s that time of year again, when smart investors make last-minute moves that pay off big. Today, we explain why waiting until December to buy or refinance property could cost you valuable tax advantages. Hear updates on mortgage rates, small investor power, and why now is the time to plan, not panic, before the year closes.

 

WHAT YOU’LL LEARN FROM THIS EPISODE  

  • Why early November is the true deadline for year-end real estate tax strategy

  • How bonus depreciation can create massive write-offs on investment properties

  • What’s really happening with the Fed funds rate vs. mortgage rates

  • Builder incentives and discounts you can leverage before the new year

  • An effective way to create negotiation leverage in 2025’s market

 

 

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