Cashflow Real Estate & Money Show with RJ Pepino and Dave Payerchin

Welcome to the "Cashflow Real Estate & Money Show with RJ Pepino and Dave Payerchin," the podcast dedicated to empowering entrepreneurs and real estate investors to achieve unparalleled success. Hosted by industry experts RJ Pepino and Dave Payerchin, each episode delves into the strategies, insights, and stories that drive the top performers in the real estate world. Join us as we explore the secrets to rising above the competition and reaching new heights in your entrepreneurial journey. Visit us at https://www.risewiththecream.com for more resources and inspiration.

E36: Here's Why We Didn't Buy & Hold Our Most Recent Deal 11/29/2024

E36: Here's Why We Didn't Buy & Hold Our Most Recent Deal In this episode, we dive into a recent property acquisition and explain why we decided not to keep it as a buy-and-hold investment. Through a detailed breakdown, we reveal the numbers, considerations, and strategic thinking that led to our decision. From understanding market dynamics to evaluating cash flow, we share the lessons learned to help you avoid common mistakes and make smarter investment decisions. Whether you’re an experienced real estate investor or just getting started, this episode offers invaluable insights into the nuances of deal analysis, the importance of cash flow, and how to align each deal with your broader goals. Plus, we highlight an alternative strategy that could turn a potential loss into a profitable opportunity. Episode Highlights: [1:30] - Why every investor should ask, “Should I keep this property?” [5:25] - Understanding the four key metrics that drive decision-making: ARV, rehab costs, purchase price, and rental potential. [12:10] - Breaking down the numbers: Why this property wouldn’t cash flow even with a strong rental market. [18:30] - The hidden costs of holding: Taxes, utilities, and how they eat into your bottom line. [27:40] - The “wholetail” strategy: What it is and how we’re leveraging it for this deal. [34:00] - The importance of a solid sales process and why it’s essential for deal conversion. [38:15] - How our coaching program empowers investors to avoid costly mistakes and scale their business effectively. 5 Key Takeaways: 1. Cash Flow is King: Always ensure a property produces positive cash flow. Holding a property with negative cash flow can lead to long-term losses. 2. Metrics Matter: Evaluate every deal using the four key metrics: after-repair value (ARV), rehab costs, purchase price, and potential rental income. 3. Avoid Emotional Decisions: Use logic and numbers to guide your investment choices, not emotions or market speculation. 4. Flexibility is Key: If a property doesn’t fit the buy-and-hold model, consider alternative strategies like wholesaling or “wholetailing” to generate profits. 5. Sales Skills Drive Success: Having a solid sales process is critical for converting leads into profitable deals, especially in competitive markets. Links & Resources: • Learn more about our coaching program and set up a free consultation: • Reach out to us for insights and support on scaling your real estate business. If you enjoyed this episode, please take a moment to rate, review, and share the podcast. Your support helps us continue to deliver valuable content to help you grow your real estate business. /episode/index/show/61ec5b04-89ce-4179-8a36-deee57de0b59/id/34184190

E35: Are Interest Rates Coming Down Under Trump?! 11/27/2024

E34: Foreclosure Boom Coming Under Trump 11/22/2024

E33: Something is About to Happen to the Real Estate Market 11/20/2024

E33: Something is About to Happen to the Real Estate Market In today’s lively discussion, we dive headfirst into the evolving landscape of the real estate market. With recent inflation data, potential interest rate changes, and post-election policy shifts, there’s a lot at stake for investors and homeowners. We break down the latest Consumer Price Index (CPI) numbers, analyze what the Federal Reserve’s actions could mean for mortgage rates, and explore how economic indicators are shaping the lending environment. We also take a hard look at how Trump administration policies, like mass deportations, tariffs, and deregulation, could impact housing affordability and construction costs. From strategies to make the most of a potentially tumultuous market to understanding why it can be cheaper to finance large commercial deals than single-family homes, we leave no stone unturned. Whether you’re flipping houses, renting properties, or looking to scale your investments, this episode has the insights you need to stay ahead. Episode Highlights: [0:00] - Introduction [0:32] - The importance of staying adaptable in real estate and monetizing opportunities amid constant change. [3:04] - Analyzing the recent CPI data: What it reveals about inflation and potential interest rate cuts. [5:19] - Why mortgage rates remain high despite Fed rate cuts and what could trigger future drops. [10:14] - The impact of immigration and mass deportation on the housing market, labor force, and construction costs. [20:17] - Debunking the potential impact of building on federal lands and the real solutions needed for urban housing shortages. [30:31] - How tariffs on foreign building materials might drive up construction costs and worsen inflation. [34:47] - Strategies to adapt in a shifting market: Getting better deals, underwriting smarter, and exploring new construction. 5 Key Takeaways: Interest Rate Uncertainty: Despite the Fed cutting rates, mortgage rates remain stubbornly high due to strong economic data. Only worsening economic indicators, such as poor job reports, might push mortgage rates down. Impact of Mass Deportation: Proposed mass deportations could shrink the labor force, especially in construction, driving up labor costs and impacting real estate development. Investors must be prepared for potential increases in renovation and building expenses. Tariffs and Construction Costs: Tariffs on foreign-made building materials, like lumber and hardware, could further increase the cost of construction, leading to higher project expenses for investors and potentially exacerbating inflation. Federal Land Development Limitations: Proposals to open federal land for new housing construction might sound promising but are impractical since most federal lands are located in remote areas, far from where housing shortages exist. Opportunities in Commercial Real Estate: It’s often cheaper to finance large commercial properties than single-family homes. Investors should consider diversifying and exploring commercial deals, especially with new opportunities expected as the lending market becomes more active. If you enjoyed this episode, please don’t forget to rate, follow, and share the podcast. Your feedback means the world to us, and staying connected helps us bring you more of the insights you crave! /episode/index/show/61ec5b04-89ce-4179-8a36-deee57de0b59/id/34004112

E32: How Taylor (Our Student) Made $16,500 in 30 Days 11/15/2024

E32: How Taylor (Our Student) Made $16,500 in 30 Days In this impromptu live episode, Dave P and RJ Papineau welcome one of their coaching clients, Taylor Georges, who shares his remarkable journey from crypto investments to real estate success. Taylor reveals how he overcame self-doubt, leveraged imperfect action, and tapped into a supportive coaching community to achieve financial breakthroughs. This conversation is packed with insights, especially for anyone feeling overwhelmed by the complexities of real estate. Taylor’s story proves that taking one step at a time and committing to consistent action can lead to life-changing results. Throughout the episode, Taylor describes his initial struggles and how he navigated his first challenging wholesale deals, including negotiating contracts with a seller in prison. He details the obstacles he faced, such as dealing with liens, and the creative strategies he used to close deals even while traveling internationally. If you’re looking for inspiration, practical advice, and the importance of building a robust support system in real estate, this episode is a must-listen. Key Takeaways: 1. Imperfect Action is Key: Progress often comes from taking action even when things aren’t perfect. Waiting for ideal circumstances can delay success. 2. Building Rapport is Crucial: Taylor emphasizes that connecting personally with sellers, beyond just the deal, can be a game-changer in negotiations. 3. Leveraging Community Support: Having a network of experienced peers and coaches provides both practical advice and motivation. 4. Creative Problem-Solving Pays Off: From dealing with a seller in prison to handling complicated liens, creative thinking can save deals from falling apart. 5. Scaling with Systems: As Taylor’s business grew, he invested in systems and assistance to streamline operations, proving that delegation is essential for scaling. Episode Highlights: [0:00] - Introduction [0:29] - Dave and RJ introduce Taylor and set the stage for his compelling story. [3:36] - Taylor’s early days investing in crypto and how it led him to Puerto Rico with grand plans for sustainable housing. [10:31] - The pivotal moment Taylor learned about real estate funding, setting the stage for his first deal. [17:36] - Taylor’s experience handling his first wholesale deal with a seller in prison, including unique negotiation tactics. [22:43] - The thrill of closing a deal and celebrating a $30,000 payday just before Christmas. [34:24] - Managing a high-stress property situation while in Germany and the importance of building strong seller relationships. [51:52] - RJ and Taylor discuss the importance of having a consistent sales and marketing process for success. Links & Resources: • Taylor Georges on Instagram: • Join Our Coaching Community: Visit to learn more about how you can start your real estate journey. /episode/index/show/61ec5b04-89ce-4179-8a36-deee57de0b59/id/33921217

E31: How Trump’s Policies Could Reshape the Housing Market 11/13/2024

E31: How Trump’s Policies Could Reshape the Housing Market In this episode, we break down a recent CNBC article that explores how a Trump presidency could influence the U.S. housing market. We dive into Trump’s key promises, like increasing housing supply through deregulation and opening federal lands for construction, and the potential impacts of immigration policies and tariffs on construction costs. But it’s not all straightforward—there are some major challenges and contradictions to consider. Plus, we discuss the potential effects on interest rates and the possibility of new financing options to make housing more affordable. Join us as we analyze these complex issues and what they mean for real estate investors, developers, and prospective homeowners. Key Takeaways 1. Deregulation Could Accelerate Construction: Trump’s plan to cut red tape might make it easier and faster to build new homes, reducing the overall cost of construction. 2. Immigration Policies May Backfire: Stricter immigration laws could shrink the construction workforce, potentially driving up labor costs and housing prices. 3. Tariffs Could Raise Material Costs: Proposed tariffs on imported building materials might increase construction expenses, which could negate efforts to make housing more affordable. Timeline Summary • [0:00] Introduction and overview of the CNBC article on Trump’s housing policies • [0:53] Trump’s focus on affordable housing: Opening federal land for development • [2:11] The benefits of deregulation and how it could speed up construction • [3:25] Concerns about the construction workforce and the impact of immigration policies • [5:14] How mass deportations could lead to higher construction costs • [6:18] Potential effects of proposed tariffs on building materials • [7:04] Discussion on interest rates and their significance in the housing market • [8:50] Exploring new financing programs like 40-year mortgages for affordability Closing Remarks Enjoyed this episode? Make sure to rate, follow, share, and review the podcast to help us grow and bring you more valuable content. Thanks for tuning in! /episode/index/show/61ec5b04-89ce-4179-8a36-deee57de0b59/id/33905952

E30: Maximize Your Profits During Trump’s Next Presidency 11/08/2024

E30: Maximize Your Profits During Trump’s Next Presidency Ready to make your financial game rock-solid, regardless of the political landscape? In this episode, Dave P and RJ unpack the possible economic implications of a second Trump presidency and what it means for real estate investors and entrepreneurs. We dive deep into understanding how government policies, gold reserves, and the Federal Reserve impact wealth creation. Plus, we explore practical strategies to stay ahead in the game, from investing in commodities like gold to maximizing real estate investments in any market condition. Expect actionable tips, economic breakdowns, and thought-provoking insights that might change how you view debt, growth, and asset valuation. Whether you’re an experienced investor or a newcomer looking to secure your financial future, this episode has something for everyone. Discover how to navigate market shifts, leverage the power of motivated sellers, and invest wisely—no matter who’s in the White House. Stick around for a solid conversation filled with ideas that could unlock new opportunities for your real estate business and overall financial health. Episode Highlights: [0:00] Introduction: The excitement post-election and what’s at stake for investors. [4:10] Understanding the impact of presidential policies on real estate and the economy. [10:22] The gold standard explained: Why gold prices could skyrocket and its implications. [16:35] Breaking down tariffs, interest rates, and economic growth under Trump. [24:00] Real estate insights: Potential new financing programs, including 40- and 50-year mortgages. [35:19] How to profit regardless of the administration: The importance of buying right. [45:00] Listener Q&A and practical tips for navigating the current market. Links & Resources: • The Creature from Jekyll Island by Edward Griffin • Jim Rickards’ insights on economic trends • Visit to learn more about our coaching programs and connect with our team. Don’t forget to follow us on social media, subscribe to our YouTube channel, and leave us a review if you enjoyed this episode. See you in the next one! /episode/index/show/61ec5b04-89ce-4179-8a36-deee57de0b59/id/33834442

E29: From Zero to $30K in 30 Days | Doing Deals Without Your Own Cash 11/07/2024

E29: From Zero to $30K in 30 Days | Doing Deals Without Your Own Cash In this episode of Cream Cash Flow: Real Estate and Money, we dive into the power of taking “imperfect action” in real estate investing. Hosts Dave Payerchin and RJ Pepino discuss how waiting for the “perfect” time can keep you from the opportunities right in front of you. They highlight stories from their coaching clients, showcasing how jumping into the market, even without all the answers, can lead to impressive wins. Whether you’re new to real estate or experienced but uncertain about the next steps, this episode will inspire you to take meaningful action now. The hosts also share testimonials from clients who turned beginner steps into big wins, like wholesaling deals within 30 days or closing on a multi-million-dollar portfolio. This episode is all about how, with the right mentorship and a focus on lead generation and conversion, anyone can create financial breathing room and achieve their real estate goals. Episode Highlights: [0:00] Introduction to imperfect action and why waiting can be costly. [3:10] Dave’s philosophy: “Time in the market beats timing the market.” [6:45] Case study: Jackie’s success within 30 days of starting the program. [15:08] Celebrating client wins – closing $30,000+ deals without using personal funds. [24:17] Tate’s journey from a beginner to a property owner with a $2 million portfolio. [34:10] Client spotlight: Nathan’s journey from real estate broker to multi-million dollar dealmaker. [40:00] The hosts’ take on why the best time for real estate is now, given the high equity levels in the market. 5 Key Takeaways: 1. Imperfect Action is Better than Waiting for Perfection – Success in real estate often comes from taking bold steps even when you don’t have all the answers. Waiting for the “perfect” market conditions can lead to missed opportunities. 2. Time in the Market Outweighs Timing the Market – Inspired by investor Peter Lynch, the hosts emphasize that being active in the market will likely yield better results than waiting for ideal conditions that may never arrive. 3. Equity is an Opportunity – Rising prices mean increased equity, which investors can leverage. Instead of being deterred by high prices, learn how to negotiate and buy properties at deep discounts. 4. Mentorship and Accountability Accelerate Success – Having an experienced mentor and accountability partner, as seen with Dave and RJ’s coaching clients, can lead to faster and more substantial gains in real estate. 5. Asset-Based Lending Opens Doors – Good credit is not always necessary to secure funding. Learning how to secure private and asset-based loans allows investors to take on deals and grow their portfolios without using personal funds. Links & Resources: • Set up a call: • Follow Dave and RJ on Instagram for more updates. Closing Remarks: If you enjoyed this episode, please remember to rate, follow, and share! Let’s keep building the momentum together. Don’t wait—take that first step toward your real estate goals today! /episode/index/show/61ec5b04-89ce-4179-8a36-deee57de0b59/id/33802172

E28: Why New Construction Is Slumping: The Surprising Truth About Today’s Housing Market 11/01/2024

E28: Why New Construction Is Slumping: The Surprising Truth About Today’s Housing Market In this episode, we’re diving deep into the current state of new construction and the housing market, particularly focusing on the rising costs, fluctuating home prices, and the reasons behind a slowdown in new builds. I explore why builders are pulling back, how high mortgage rates and building costs are impacting buyers, and why affordable housing remains a hot commodity. With fresh data from sources like Yahoo Finance and Forbes, we break down the numbers and offer insights on how to capitalize on this market, especially in the $150,000–$300,000 range, which is still booming. I’ll also share tips on finding off-market deals and investing in properties with high demand, all while avoiding the traps of speculation and high-risk spending. Whether you’re a seasoned investor or new to real estate, this episode is packed with practical advice on how to navigate the current housing landscape and make profitable investment choices in a challenging market. Episode Highlights: [0:00] - Introduction [1:01] – The current state of new construction and why sales are slowing. [2:10] – Factors driving high new-build costs and the impact of mortgage rates. [3:27] – Why affordable housing is a promising sector for investors. [5:13] – Building costs across the U.S. and how they influence pricing strategies. [6:48] – The advantages of investing in existing inventory for higher profitability. [8:21] – Insights on the national median home price and what it means for buyers and investors. [10:19] – Strategies to cash flow properties within the $150K–$300K range. [10:54] – How to negotiate deals with motivated sellers and find off-market properties. Key Takeaways: 1. New Construction Slowdown – Rising mortgage rates and increased building costs are causing a significant slump in new home sales, making it challenging for builders to remain profitable. 2. Affordable Housing Advantage – Investing in affordable housing within the $150,000–$300,000 price range is a smart move, as demand remains high and buyers are eager for properties in this category. 3. Cost Challenges Across the U.S. – Building costs vary by state but are universally high, pushing up prices and making new construction a tough sell, particularly in non-affordable housing markets. 4. Focus on Existing Inventory – Investors should prioritize existing homes over new builds to access properties at more affordable prices and with better cash-flowing potential. 5. Profit from Off-Market Deals – Finding motivated sellers and negotiating off-market deals are key strategies for acquiring properties at a discount, allowing investors to either flip or hold properties with substantial profit potential. Links & Resources: • Free Launch Coaching Program: If you enjoyed this episode, don’t forget to subscribe, rate, and share it with others who are interested in real estate investment! Your support helps us bring more valuable insights to investors like you. /episode/index/show/61ec5b04-89ce-4179-8a36-deee57de0b59/id/33697762

E27: Picking the Perfect Market for Success in Single Family Rental Properties 10/30/2024

E27: Picking the Perfect Market for Success in Single Family Rental Properties In today’s episode, we dive deep into the heart of real estate investing: finding the right location for a profitable rental property portfolio. I’m sharing insights live from Florida while on a personal trip, and today’s topic is all about understanding the real importance of location, choosing the right asset class, and knowing where buy-and-hold strategies work best. We discuss why affordable markets often outperform high-dollar areas for long-term rental gains, the critical role of having a dedicated team, and the need to target landlord-friendly states. Plus, I’ll give you a sneak peek into a deal we’re closing soon, breaking down the numbers and strategy we’re using to turn it into a solid asset. Tune in to learn why single-family homes are our top asset class choice, what to look for when investing in various regions, and how to build a winning team that can support your growth. Whether you’re just starting or are an experienced investor, this episode has actionable advice to help you strengthen your portfolio. Episode Highlights: [0:31] – Introduction to the channel: who we are and what we do in real estate [1:40] – The importance of buy-and-hold strategy for building real wealth [3:00] – Why high-value markets aren’t always ideal for buy-and-hold properties [4:42] – Choosing single-family homes as a primary asset class [7:18] – The need for a local team, especially when investing out of state [8:04] – Why landlord-friendly states matter for long-term profitability [10:21] – Breakdown of our upcoming deal and the numbers that make it work 5 Key Takeaways: The Power of Buy-and-Hold: Real wealth in real estate is built through buying and holding properties rather than flipping alone, which provides steady cash flow and long-term asset growth. Focus on Affordable Markets: High-dollar markets often don’t yield the rental returns needed for profitability. Instead, affordable markets, like those in the Midwest, offer better rent-to-value ratios. Single-Family Properties Are Ideal: Single-family homes are in high demand, easier to rent, and offer more stability with long-term tenants compared to apartments. Invest in Landlord-Friendly States: Choosing states with favorable landlord laws ensures smoother management and reduces the financial risks associated with long eviction processes. Build a Strong Local Team: Having a reliable, local team is essential, especially for managing properties out of state. Real estate investing is a team effort, and local expertise can make or break your success. If you enjoyed this episode, remember to rate, follow, and share the podcast with fellow real estate enthusiasts. Let’s build wealth together! /episode/index/show/61ec5b04-89ce-4179-8a36-deee57de0b59/id/33674087

E26: How to Use Pay-Per-Click Ads to Find Hundreds of Motivated Sellers 10/25/2024

E26: How to Use Pay-Per-Click Ads to Find Hundreds of Motivated Sellers In this episode, we dive deep into the world of Pay-Per-Click (PPC) advertising with expert Jason Rafiq, who joins us to share his knowledge on optimizing PPC campaigns, especially for real estate lead generation. RJ and I reflect on our extensive marketing experience, from TV commercials to direct mail, and emphasize how PPC has become our most effective channel. Jason, the man behind the curtain and our PPC mastermind, breaks down the essentials of setting up a successful campaign, including leveraging Google strategies, negative keywords, and real-time API integrations with platforms like Zillow. Whether you’re new to PPC or looking to refine your strategies, this episode is packed with actionable insights to help you generate consistent leads and maximize your return on investment. Timeline Summary [0:00] - Introduction to Jason Rafiq and the focus on PPC advertising for real estate leads. [3:16] - Discussing the effectiveness of PPC compared to other marketing methods and the importance of consistency. [5:22] - Overview of the coaching program and how we guide clients in closing PPC leads effectively. [10:03] - Jason explains the benefits of owning your leads and the exclusive control PPC offers. [15:05] - Jason reveals his real-time campaign setup process, demonstrating live integrations with Zillow for immediate property data. [20:17] - Tips on optimizing PPC campaigns, including keyword strategies, mobile targeting, and avoiding spam clicks. [35:32] - Insight into leveraging social proof on landing pages and retargeting to increase conversions. [42:11] - Budget recommendations for PPC beginners and how broader targeting impacts lead costs. Links & Resources • CreamLaunch.com – Learn more about our coaching program to help launch and scale your real estate business. Closing Remarks We hope you enjoyed this in-depth discussion on PPC for real estate leads! If you found value in the episode, don’t forget to rate, follow, and review the podcast. Share it with anyone looking to optimize their marketing strategy and grow their real estate business. See you next time! /episode/index/show/61ec5b04-89ce-4179-8a36-deee57de0b59/id/33601002

E25: We Grew Our Portfolio to 300+ Units: Here's Our Most Valuable Lessons 10/23/2024

E25: We Grew Our Portfolio to 300+ Units: Here's Our Most Valuable Lessons In this episode, we dive deep into the lessons we’ve learned while growing our real estate portfolio to over 300 units. Whether you’re just getting started with rental properties, in the middle of expanding your portfolio, or a seasoned investor, this episode has valuable insights for you. We share our experience from raising private capital, the challenges and benefits of investing in C-class properties, and essential tips for managing your rentals effectively. From building partnerships to understanding loan products, we cover it all to help you scale and sustain your real estate business successfully. Episode Highlights: [0:00] - Introduction [2:09] - The importance of networking and connecting with other investors in your community. [3:23] - What investing in C-class properties taught us about cash flow and maintenance. [6:38] - How Section 8 programs can be a smart move for C and B class properties. [10:00] - Essential checks to perform during property rehab to avoid future headaches. [16:00] - The risks of renting to friends and family and how to avoid complications. [22:45] - Knowing your bank loan products and the significance of prepayment penalties and DSCR. [35:11] - Why bringing property management in-house can give you more control and maximize profits. Five Key Takeaways: 1. Invest in C-Class Properties Wisely: While C-class properties offer good ROI, they come with higher maintenance and turnover. Be prepared for management challenges and consider leveraging Section 8 programs to stabilize cash flow. 2. Build Strong Relationships with Neighbors: Engaging with neighbors can provide valuable support, whether it’s securing your property during rehab or discovering new investment opportunities on the same street. 3. Thoroughly Vet Potential Partners: Before taking on a partner, conduct due diligence. Check their background, ask for references, and ensure they handle stress well. A strong partnership can boost growth, but a weak one can cause long-term problems. 4. Manage Properties In-House for Maximum Control: Bringing property management in-house, once feasible, ensures you maintain control over your cash flow, payments, and overall management efficiency. This is crucial as your portfolio grows. 5. Know Your Loan Products: Understanding loan-to-value ratios, interest rates, and prepayment penalties is vital. A well-structured loan can make or break your investment strategy, so always stay informed and consult experts when needed. If you enjoyed this episode, please rate, follow, and share. Your feedback helps us provide the best content for real estate investors like you! Don’t forget to subscribe for more insights and strategies in upcoming episodes! /episode/index/show/61ec5b04-89ce-4179-8a36-deee57de0b59/id/33561197

E24: How to Analyze Deals Like a Pro & The Ultimate Guide to Underwriting 10/17/2024

E23: BRRRR Like a Pro: Maximizing Your Profits in a Low-Rate Market 10/15/2024

E22: How To Make Money From Evictions For Real Estate Investors 10/10/2024

E22: How To Make Money From Evictions For Real Estate Investors In this episode, Dave Payerchin and RJ Pepino dive deep into the rising trend of evictions in key U.S. cities and explore how real estate investors can turn this challenge into an opportunity. Evictions are surging in areas like Columbus, Ohio, Las Vegas, and Phoenix, due to economic pressures, drying up of rental assistance programs, and shifting legislation. Dave and RJ break down why evictions are happening more frequently in some cities and less in others, comparing tenant-friendly markets like New York and Philadelphia to more landlord-friendly areas. But the real focus is on how investors can leverage these changes to maximize opportunities while maintaining strong relationships with tenants. Stick around for practical strategies on working with tenants to avoid evictions and maintain cash flow, as well as ways to spot potential deals in today’s evolving market. Timeline Summary: [0:00] - Introduction [00:54] - Evictions are surging in many U.S. cities, with Dave highlighting why this is happening.[3:21] - Citing Wall Street Journal stats: eviction filings are up 35% in some cities like Vegas and Phoenix. [5:09] - Discussion on how tenant-friendly cities, such as New York and Philadelphia, handle evictions differently. [7:52] - RJ shares how to capitalize on the eviction trend and work with tenants to avoid costly turnover. [10:40] - Tips for investors: leveraging rental assistance programs and staying informed through local property management groups. [11:44] - Understanding eviction as part of the process for tenants to receive assistance in landlord-friendly states like Ohio. [12:23] - Dave and RJ emphasize keeping tenants in properties to minimize costly turnovers and maintain consistent revenue. Links & Resources: • Visit to learn more about Dave and RJ’s coaching program and how to connect with their team. If you enjoyed this episode, don’t forget to subscribe, rate, and share the podcast! We’d love to hear your thoughts in the comments, so drop a message and let us know what you’re seeing in your local market. /episode/index/show/61ec5b04-89ce-4179-8a36-deee57de0b59/id/33395322

E21: Fire Damage & Fixer-Uppers: Deal or No Deal? 10/08/2024

E20: Top 3 Proven Ways to Find Reliable Contractors for Your Real Estate Projects 10/04/2024

E19: Make Money in Real Estate Investing Instead of Arguing About Politics 10/01/2024

E19: Make Money in Real Estate Investing Instead of Arguing About Politics In this episode, I challenge you to stop getting distracted by politics and social media drama and focus on what really matters—investing in real estate. With so much going on in the world, it’s easy to get caught up in debates and opinions, but I’m here to shift the conversation to financial growth and success. I dive deep into why affordable housing is the perfect market to invest in right now and how you can capitalize on it. From avoiding the political noise to navigating the real estate market, this episode is all about staying focused, asking the right questions, and creating wealth through real estate. I also share insights on how to strategically invest in properties priced between $100,000 to $250,000—homes in the highest demand. If you’re looking for a way to build wealth while avoiding market volatility and distractions, this is the episode for you. Tune in to hear how you can leverage off-market deals, private money, and a proven business model to secure financial freedom. Timeline Summary: [0:00] - Introduction [1:19] – Shift your mindset from political distractions to asking wealth-building questions [2:13] – The importance of spirituality, mindset, health, relationships, and finances [4:23] – Why affordable housing is the sweet spot for real estate investment [7:14] – New homes vs. existing homes: where you should focus your investments [9:07] – How to secure off-market deals and why it’s key to success in real estate [10:10] – The power of private money and how to maximize cash flow in affordable housing Links & Resources: – Learn more about our coaching program and set up a call with me or my team. Closing Remarks: Thanks for tuning in! Let’s not get distracted by politics or the latest online drama—let’s focus on building wealth and achieving financial freedom. If you enjoyed this episode, don’t forget to rate, follow, and share the podcast. Your support helps us reach more people looking to take control of their financial future! /episode/index/show/61ec5b04-89ce-4179-8a36-deee57de0b59/id/33282887

E18: DON'T Buy a Rental Property Until You Read This Checklist 09/26/2024

E18: DON'T Buy a Rental Property Until You Read This Checklist In this episode, I dive deep into the essential checklist you need to follow before buying a rental property. Buying rental properties is more than just crunching the numbers—it’s about understanding the entire picture, from financing strategies to the quality of the area you're investing in. I'll walk you through the BRRR strategy (Buy, Rehab, Rent, Refinance, Repeat), share key considerations like rental amounts, property taxes, and even the impact of property location on future resale. Plus, I discuss the importance of choosing landlord-friendly states, the pros and cons of buying in high-crime areas, and the potential red flags you need to watch out for—like properties near industrial zones or with poor floor plans. I also touch on the importance of working with a solid team, understanding the debt-service coverage ratio (DSCR) for refinancing, and being smart about potential rental income. Whether you're a seasoned investor or just starting out, this checklist will help ensure your next rental property investment is a smart one. Episode Highlights: [0:00] - Introduction [2:15] - Introduction to the BRRR strategy and why it's a game-changer for rental property investors. [5:48] - Understanding landlord-friendly states and why Ohio is a top pick. [10:32] - The significance of property location: Avoiding busy streets and industrial zones. [15:05] - How to evaluate property condition, including tips on adding bathrooms for increased value. [22:50] - What to watch out for with HOA fees and why they matter in your investment calculations. [29:10] - Key deal-breakers: Why floor plans, busy streets, and nearby power plants can hurt your investment. [35:40] - Why section 8 rentals can be a good strategy and tips for working with inspectors. If you found this episode helpful, don’t forget to rate, follow, and share the podcast! /episode/index/show/61ec5b04-89ce-4179-8a36-deee57de0b59/id/33219412

EP17: How To Fix & Flip Houses In Another State 09/20/2024

EP16: How To Find an Investor Friendly Title Company 09/17/2024

EP16: How To Find an Investor Friendly Title Company In this episode, I sit down with Jennifer McIntyre from Resource Settlement Services, a national title company with a reputation for excellent communication and customer service. We dive into why having an investor-friendly title company is crucial for real estate professionals, especially when handling various types of transactions, from wholesaling to private lending. Jennifer shares her insights on what sets a great title company apart from the rest, emphasizing the importance of reliable communication and a seamless closing process. If you’re looking to optimize your real estate deals and save time, this episode is a must-listen! Join us as we explore the unique challenges of working with real estate investors versus traditional realtors and learn how Jennifer's team efficiently handles over 200 files at a time while maintaining top-notch service. Discover the best ways to find a title company that acts as an extension of your team, helping you close deals faster and with fewer headaches. Timeline Summary: [0:00] - Introduction to the episode and today's guest, Jennifer McIntyre from Resource Settlement Services. [1:52] - Overview of Jennifer's nationwide title company and how they operate without needing physical offices. [2:56] - Why reliable communication is the key to a successful relationship with a title company. [4:17] - How Jennifer's team manages over 200 files at a time and maintains excellent service. [5:48] - Unique approaches Jennifer uses to handle investor deals differently from realtor transactions. [7:46] - The critical role a title company plays in the psychology of real estate transactions. [10:00] - How working with a strong title company can eliminate the need for a transaction coordinator. Links & Resources: Contact Jennifer McIntyre: Phone: (614) 537-3096 Email: Closing Remark: If you found this episode helpful, please rate, follow, and share the podcast with other real estate enthusiasts. Your feedback and support help us bring you more valuable content. Stay tuned for the next episode! /episode/index/show/61ec5b04-89ce-4179-8a36-deee57de0b59/id/33083772

EP15: Top 3 FREE Ways to Find Real Estate Deals 09/13/2024

EP14: Single Family Rentals vs. Multi Unit Apartments | Which Is Better? 09/10/2024

EP14: Single Family Rentals vs. Multi Unit Apartments | Which Is Better? In this episode, we dive deep into the age-old debate: single-family residential (SFR) properties versus multi-family apartment assets. We explore the pros and cons of both asset classes, from acquisition strategies to funding, financing, and sales. We discuss why many investors start with single-family homes due to their lower barrier to entry, while others are drawn to the scalability of multi-unit properties. You'll hear insights on demand, diversification, creative acquisition techniques, and the different types of financing available for each option. Whether you're a seasoned real estate investor or just getting started, this episode is packed with valuable information to help you decide which asset class might be the best fit for your investment goals. Join us as we compare the advantages of single-family homes—such as lower capital requirements, greater demand, and flexibility in disposition—with the unique benefits of multi-family properties, like scalability and streamlined management. We also touch on current government regulations, the role of market demand, and much more. Tune in to discover which investment path aligns with your strategy! Timeline Summary: [0:00] - Introduction to the pros and cons of single-family vs. multi-family assets. [1:35] - Discussing the high barrier of entry for multi-family properties and why most investors start with single-family. [2:29] - Exploring the scalability of multi-family properties and why it’s unmatched. [3:35] - Analyzing demand differences between single-family and multi-family housing. [5:05] - Comparing acquisition strategies and creative financing options. [7:55] - Understanding the advantages of single-family portfolios in terms of dispositions. [10:12] - Evaluating the financing and funding differences between single-family and multi-family deals. [12:17] - The impact of government regulations and rent controls on different asset types. [14:50] - Pros of multi-family construction management and cost efficiency. [15:11] - Final thoughts on why both asset classes offer great opportunities for real estate investors. If you enjoyed this episode, please rate, follow, share, and leave a review. We love being on this real estate journey with you and look forward to bringing you more valuable insights in the future! /episode/index/show/61ec5b04-89ce-4179-8a36-deee57de0b59/id/32995007

EP13: Top 5 Things To Do Before Being a Private Lender 09/06/2024

EP13: Top 5 Things To Do Before Being a Private Lender In this episode, we dive deep into the world of private lending and explore the crucial steps every aspiring private lender should take before putting their hard-earned money on the line. We discuss how to avoid common pitfalls, share lessons learned from past mistakes, and reveal practical strategies to ensure your investments are both profitable and safe. We'll cover everything from understanding what you're investing in to ensuring your money is handled securely. Whether you're already in the game or considering becoming a private lender, this episode is packed with invaluable insights to help you make informed decisions and protect your investments. Join us as we unpack the top five things you must do before lending, share some real-life stories from our journey in real estate investing, and explain how to spot the red flags that could signal a potential scam. We'll also give you a behind-the-scenes look at our own private lending program and the changes we've made to maximize safety and returns for our investors. Timeline Summary: [00:00] - Introduction [00:30] - The importance of not losing money: Lessons from Warren Buffett [02:00] - Introduction to private lending and the potential returns [05:20] - Key considerations for private lending: Knowing what you're investing in [08:00] - The difference between one-off deals and funds: Why it matters [13:00] - Importance of using a third-party intermediary like a title company [18:40] - Understanding liens: Why being in the first position is crucial [22:00] - Getting a background check on your borrower: What to look for [29:00] - Regular rehab update videos: Ensuring transparency in your investments [34:10] - Red flags to watch out for in potential borrowers Thank you for tuning in! If you found this episode valuable, please consider rating, following, and sharing our podcast. Your support helps us keep bringing you fresh insights and practical advice every week! Don’t forget to join us live every Wednesday at 11:00 am Eastern for more on real estate, investing, and money management. /episode/index/show/61ec5b04-89ce-4179-8a36-deee57de0b59/id/32910447

EP12: 75 Hard For Real Estate Investors 09/04/2024

EP12: 75 Hard For Real Estate Investors In this episode, we're diving into a unique spin on the popular "75 Hard" challenge, tailored specifically for real estate investors. We discuss how to apply daily disciplines and commitments to transform your approach to real estate investing, just as the original 75 Hard program does for fitness and personal growth. From reading business books and learning new skills to making valuable connections and maintaining a consistent social media presence, we outline a step-by-step challenge that will help you crush your goals in the final quarter of the year. If you're ready for a powerful transformation in your business and personal life, this episode is for you! Join us as we break down the rules of the "75 Hard for Real Estate Investors" challenge and share actionable strategies for staying focused, disciplined, and motivated every day. Whether you're a seasoned investor or just getting started, this episode is packed with insights to help you take your real estate game to the next level. Timeline Summary [0:00] - Introduction [0:30] - Introduction to the 75 Hard challenge for real estate investors and the importance of facing adversity. [2:15] - Discussing upcoming events and community engagement opportunities, including the next live event in September. [4:00] - Overview of the original 75 Hard program and its principles of daily commitment and discipline. [7:05] - Introduction to the tailored "75 Hard for Real Estate Investors" challenge and how it promotes daily action in real estate investing. [10:40] - Explanation of the rules: reading 10 pages of a business book, learning something new for 30 minutes, and other key daily habits. [15:00] - The importance of social media presence and networking to grow your real estate business. [20:15] - Encouragement to join the challenge and take proactive steps toward personal and professional growth. Links & Resources 75 Hard Challenge: "Good to Great" by Jim Collins: (for more information about the book) "The Lean Startup" by Eric Ries: CREAM Real Estate Investors YouTube Channel: Freedom Cash Flow: Real Estate and Money Podcast: (replace with the actual URL if different) Join the 75 Hard for Real Estate Investors challenge on the CREAM Facebook group: Closing Remark If you enjoyed this episode, don't forget to follow, rate, and share the podcast! Stay tuned for more content to help you excel in real estate and achieve financial freedom. Join us on this challenge and start building the habits that will take your business to new heights! /episode/index/show/61ec5b04-89ce-4179-8a36-deee57de0b59/id/32878294

EP11: The Real Estate Storm NO ONE is Talking About 08/30/2024

EP10: How to Find Deals in a Low Inventory Environment 08/27/2024

EP9: How to Finance Your Investment Properties 08/23/2024

EP9: How to Finance Your Investment Properties In this episode, we're diving deep into the world of financing for investment properties, a critical aspect of real estate investing. Joined by Eddie from Cream Funding, we cover the essentials of financing various types of real estate deals, including fix and flips, new construction, and cash-out refinances. We discuss how real estate investors can maximize their cash flow with the right financing strategies, the importance of understanding loan-to-value (LTV) versus loan-to-cost (LTC), and why staying on top of financing options is crucial in this ever-changing market. Eddie shares valuable insights on how to navigate these financial products, whether you’re a seasoned investor or just getting started. Timeline Summary: [00:00] - Introduction to the episode and today’s special guest, Eddie from Cream Funding. [00:33] - Overview of financing strategies for fix and flips, new construction, and maximizing cash flow with DSR loans. [01:42] - Deep dive into the cash-out refinance strategy and its benefits for real estate investors. [05:53] - Eddie explains the flexibility and advantages of hard money loans and DSR loans for investors. [10:28] - Discussion on the process of handling renovation budgets, draw requests, and inspections in fix and flip projects. [25:23] - Insights on using DSR loans for long-term rental properties and understanding the differences between loan-to-value and loan-to-cost. [34:25] - Final thoughts on new construction loans and the importance of having experience or a partner to qualify. Links & Resources: Cream Funding: Visit to learn more about their financing products. Contact Eddie: Text or call Eddie at (614) 618-9537 for personalized financing advice. Closing Remark: Thank you for tuning in! If you found value in this episode, don’t forget to rate, follow, and share the podcast with your network. Your support helps us bring more expert insights to help you succeed in real estate investing. See you next week! /episode/index/show/61ec5b04-89ce-4179-8a36-deee57de0b59/id/32693962

EP8: Is it Better to Create a Fund to Buy Your Real Estate Deals? 08/20/2024

EP7: Analyzing the Top 100 Real Estate Cash-flowing Markets in the US 08/16/2024

EP7: Analyzing the Top 100 Real Estate Cash-flowing Markets in the US In this episode, we dive deep into the top 100 cash-flowing real estate markets across the U.S., using an insightful article as our foundation. We break down the essential metrics of median home prices and average rents, and discuss how these figures are critical for real estate investors. However, we don't just stop at the numbers. We emphasize the importance of buying properties at a discount, having boots on the ground for construction and property management, and understanding the true value of a market beyond just the statistics. We also explore the significance of population growth, job creation, and the political and economic environment in making real estate investment decisions. Whether you're an experienced investor or just starting, this episode will provide you with valuable insights to navigate the complexities of cash flow real estate. Timeline Summary: [00:00] - Introduction to the top cash flow markets in the U.S. and the basic arithmetic crucial for real estate investors. [02:45] - The importance of buying properties at a discount and having boots on the ground. [06:48] - Discussion on how articles and reports shouldn't solely drive your investment decisions. [14:05] - Analyzing the report's data on the top cash-flowing markets and the factors missing, such as population growth. [20:24] - Importance of considering the local job market and industry growth when selecting a market. [24:16] - Emphasis on population growth, particularly in areas like Florida, and its impact on long-term investment potential. [32:29] - Final thoughts on the top markets and the importance of buying right, having the right team, and understanding market nuances. Links & Resources: - Source of the article discussed in the episode. Closing Remarks: Thanks for tuning in! Remember, it's not just about finding the best markets; it's about buying right, managing effectively, and always staying informed. If you enjoyed this episode, don't forget to rate, follow, and share the podcast. Let's continue the conversation—connect with us on Instagram or through our website. Happy investing! /episode/index/show/61ec5b04-89ce-4179-8a36-deee57de0b59/id/32592512

Cashflow Real Estate & Money Show with RJ Pepino and Dave Payerchin

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