The Real Estate Education Podcast
Welcome to the Real Estate Investing Podcast, your ultimate resource for actionable tips, strategies, and market insights tailored to investors seeking to build wealth and succeed in the real estate market. Whether you're just starting or you're an experienced investor refining your approach, this podcast covers everything you need to know to thrive in a competitive industry. Each episode delves into key investment strategies such as house hacking, midterm rentals, Airbnb, and long-term rental opportunities—all focused on maximizing returns. We explore how to use platforms like Furnished Finder, Zillow Rentals, and VRBO to tap into the growing demand for flexible rental options. With a focus on smart property management and creative ways to generate passive income, you'll learn how to leverage different types of rentals to expand your portfolio. We’ll also provide expert advice on navigating the Colorado Springs real estate market, evaluating properties, checking permits, and scaling your investment business to new heights. Plus, we discuss how midterm rentals—ranging from 30 to 90 days—are becoming a popular choice for investors looking to attract traveling professionals, relocating tenants, and more. Key Topics Covered: Real estate investment strategies, including house hacking, midterm rentals, and short-term rentals. Using platforms like Furnished Finder, Zillow Rentals, and VRBO to secure steady rental income. Colorado Springs market analysis and trends for real estate investors. Expert tips on property management, rental income, and diversifying your investment strategy. Understanding permits, zoning, and legal aspects of real estate investing. Tune in to learn how you can take advantage of current market trends and build a profitable property portfolio with smart real estate investments. Whether you're looking for long-term rentals or exploring the booming midterm rental market, we provide the insights you need to succeed! Hosts: Erin Spradlin and James Carlson
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How to make $40K more on your Airbnb Rental
11/12/2025
How to make $40K more on your Airbnb Rental
The Simple Steps That Added $40,000 to an Airbnb (In Just One Year) James Carlson reveals how his clients transformed an existing Airbnb from $50K annually to $90K—an 80% revenue increase—by following five straightforward principles. He shares two strategies while teasing his $49 Stand Store report with all five. 🏠 The Proof Property 45 minutes south of Breckenridge averaged $50K/year. New owners bought in early 2025, implemented all five strategies, now tracking $90K annually—$40K more ($3,333/month). Most investors drop off after closing instead of pushing through. 📋 Two Strategies Revealed 1. Know Thy Laws Don't rely on AI—ChatGPT recommended Denver despite felony charges for STR violations. Call planning departments, read ordinances, work with knowledgeable agents. 2. Design Matters More Than You Think Stand out on Airbnb's first page (18 properties). Beige and bland gets lost. This client: painted walls forest green, rebranded as "Starry Pines," added large art, replaced all furniture (no cup-holder couches). Hire a designer for $2K-3K—best money you'll spend. The Edge: Your competition quits after closing. Be the 2 out of 10 who push through the final month of work. Full report: ($49) 🔍 Search terms: Airbnb revenue optimization, STR design tips, Breckenridge investment, rental interior design 🔍 Search terms: Airbnb revenue optimization 2025, short-term rental design tips, STR property transformation, Breckenridge Airbnb investment, cohesive interior design rentals 🎧 Simple advice, hard work, massive results 📧 Contact: for Colorado STR/MTR investments
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Why Donald Trump is Bad for Your Real Estate Investments
11/05/2025
Why Donald Trump is Bad for Your Real Estate Investments
Erin Spradlin and James Carlson directly address how Trump administration's 2025 policies are impacting real estate markets—while making clear that economics aren't their biggest concern. 💸 Four Ways Trump Policies Are Hitting Real Estate 1. Immigration Crackdown = Construction Cost Explosion Removal of legal and illegal immigrant labor means construction and renovation costs are skyrocketing. Expect to pay significantly more and wait longer for any building project. 2. Tariff Chaos = Market Paralysis Retaliatory tariffs create inflation while Fed won't lower interest rates. Buyers have less purchasing power, sellers can't move properties, uncertainty prevents investment. 3. Policy Whiplash = Business Gridlock Daily policy flip-flops create regulatory uncertainty. Chaos itself—regardless of content—causes market pullback. 4. International Travel Collapse = Rental Disaster US Travel Association reports first decline since 2020: 6.3% drop in visits, $5 billion less spending. Canadian snowbirds abandoning Arizona and Florida properties—landlord glut eliminates renters. Phoenix devastated even for landlords who "never rented to Canadians." 📧 Contact: , 🔍 Search terms: Trump immigration policy construction costs, tariff impact real estate 2025, international travel decline rental markets, Canadian snowbirds Arizona Florida exodus, real estate market uncertainty 2025
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One Year in Mexico: The Surprising Truth About Moving, Living & Buying Here
10/29/2025
One Year in Mexico: The Surprising Truth About Moving, Living & Buying Here
We just hit our one-year anniversary of moving to Mexico, and we’re sharing everything we’ve learned — the real pros, the unexpected cons, and why we have no plans to leave anytime soon. We’ll also dive into: Our best tips for road-tripping through Mexico What to know before buying property here And what everyday life in Mexico actually feels like after 12 months If you’ve ever dreamed about moving south of the border — this episode will give you the honest, firsthand scoop. 📧 Contact Information: for midterm rental consulting and Hold My Hand mentor packages for Colorado real estate Hashtags: #LifeInMexico #MoveToMexico #ExpatLife #DigitalNomad #MexicoTravel #MexicoLiving #Podcast #LivingAbroadll
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How to Make Money for a Down Payment
10/22/2025
How to Make Money for a Down Payment
Erin Spradlin and James Carlson explore an accessible income alternative to real estate: the Stan Store digital marketplace. They share their experience with Gary Vaynerchuk's 8-week course on selling digital products and consulting services—arguing this might be faster than saving for a down payment. 💰 The Stan Store Solution Stan Store works as "Airbnb for selling your ideas"—digital products (PDFs, guides) or consulting services without needing thousands for a down payment. Tim Ferriss's insight: you don't need to know more than everyone—just more than enough people. The math: if you could make $500/month rental cashflow or $30K appreciation over 10 years, couldn't you make $30K selling your expertise? Without gutters or yards. 🎯 Overcoming the Cringe Factor People resist due to imposter syndrome and stereotypes about social media being only for young people. But senior women are the best Airbnb hosts, and middle-aged creators often outperform younger ones. Gary V emphasizes consistency over perfection. Erin no longer maintains a website, relying entirely on video. Course: Gary Vaynerchuk's 8-week Stan Store Challenge ($300, includes platform access) 🔍 Search terms optimized in this episode: Stan Store Gary Vaynerchuk course, digital product side hustle 2025, alternative to real estate investing, selling consulting online, passive income without down payment, Tim Ferriss Four Hour Work Week digital products 📧 Contact Information: for midterm rental consulting and Hold My Hand mentor packages for Colorado real estate
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The 7 Biggest Landlord Mistakes (That Are Costing You Money Right Now)
10/15/2025
The 7 Biggest Landlord Mistakes (That Are Costing You Money Right Now)
The 7 Biggest Landlord Mistakes (That Are Costing You Money Right Now) Recording from their sickbed in Mexico after experiencing building-shaking waves from Hurricane Priscilla, Erin Spradlin and James Carlson power through to deliver critical advice: the seven biggest mistakes landlords make. They tackle everything from skipping background checks to overpricing rentals, with trademark honesty about what actually matters versus landlord paranoia. 🚫 The 7 Deadly Landlord Sins 1. Not knowing the laws - Federal, state, city, and HOA rules change frequently, especially around affordable housing. Colorado now requires Denver rental licenses. This is Erin's #1 mistake to avoid. 2. Skipping tenant screening - Credit checks matter more than background checks. Some landlords rely on "vibes" alone—risky business. 3. Wrong lease for your state - Don't fear customizing leases with plain language about what matters to you, as long as you don't violate tenant rights. 4. Underpricing rent - Erin disagrees this is a problem. Overpricing is the real sin—vacancy costs dwarf any underpricing loss. Properties stigmatized by sitting too long never recover. 5. Delaying maintenance - Annoying and expensive, but less annoying and expensive than doing it later. 6. Over-encouraging tenant reports - Don't invite problems. Set expectations upfront with a well-maintained property instead of constantly checking in. 🏠 The Bonus Mistake Expecting tenants to live by your standards. If they're messy but not damaging property, that's their right. It's about compatibility, not control. 🔍 Search terms optimized in this episode: landlord mistakes to avoid 2025, tenant screening credit check requirements, state specific rental lease laws, overpricing vs underpricing rentals, rental vacancy costs, landlord maintenance best practices, tenant rights by state, Denver rental license requirements, affordable housing legislation landlords 🎧 Subscribe for practical real estate systems that actually simplify your life 📧 Contact Information: for midterm rental consulting and Hold My Hand mentor packages for Colorado real estate
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Lazy Landlording: The One Number That Solves Every Rental Decision
10/01/2025
Lazy Landlording: The One Number That Solves Every Rental Decision
Lazy Landlording: The Simple System for Managing Rentals Without the Headaches Erin Spradlin and James Carlson explore "lazy landlording"—smart systems that make property management effortless using one metric: your daily rate. 💰 The Day Rate Formula Monthly mortgage ÷ 30 days = your decision metric. Average US mortgage ($2,715) = $90/day. A 5% discount on one month? That's $135 or 1.5 days vacancy—take it. Six-month lease at 5% off? Nine-day discount equivalent. Make financially smart decisions based on market reality, not stubborn pricing. 🏠 Systems Over Stubbornness Prevent tenant issues upfront: warn about quirks, replace stained furniture, set expectations. Focus on location, bedrooms, professional photos, major platforms—not smart refrigerators. 📊 YouTube vs. Real Estate: The Parallel Trap James reflects on his YouTube course experience, noting the disconnect between optimizing for virality versus trust—mirroring real estate's cash flow vs. appreciation divide. Both industries suffer from snake oil salesmen creating optimization paralysis with endless checklists. The key insight: posting consistently matters more than perfect thumbnails, just like getting properties listed matters more than smart appliances. Perfect for: Accidental landlords juggling unexpected properties or second mortgages Property owners paralyzed by pricing and negotiation decisions Anyone tired of overcomplicated real estate "guru" advice Landlords looking to reduce tenant conflicts through better systems Investors who want 4-5 doors for diversification, not 100+ for empire-building 🔍 Search terms optimized in this episode: lazy landlording strategy 2025, rental property day rate calculator, accidental landlord decision making, property management systems, rental discount negotiation math, average mortgage payment US 2025 🎧 Subscribe for honest real estate insight that keeps you from costly AI-driven mistakes 📧 Contact Information: for midterm rental consulting for Colorado real estate
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Why Chat GPT Is the WORST Thing That Ever Happened to Real Estate Investors
09/24/2025
Why Chat GPT Is the WORST Thing That Ever Happened to Real Estate Investors
In this episode of the Real Estate Education Podcast, Erin Spradlin and James Carlson dive into a critical warning for real estate investors: AI is dangerously unreliable for investment advice. James shares his experiment testing ChatGPT's Colorado Airbnb market knowledge, revealing that over 50% of recommendations were completely illegal—including cities that banned STRs entirely. 🤖 The ChatGPT Airbnb Disaster James asked ChatGPT multiple ways to identify the best Colorado Airbnb markets. Results were alarming: ChatGPT recommended Denver (banned investment STRs since 2017), Boulder (primary residence only), Colorado Springs (density requirements eliminate most areas), Pagosa Springs (requires 2-year ownership wait), and Estes Park (at capacity limits). Most egregiously, it recommended Woodland Park despite the city banning all Airbnbs two years ago. ChatGPT is a data aggregator relying on outdated internet information, not an investment oracle. 🔍 AI's Declining Reliability Both hosts notice ChatGPT-5 performing worse than ChatGPT-4. Erin's AI missed recent bonus depreciation tax changes, while James found AI defaults to common but outdated advice (RICE method for injuries) over current best practices. AI prioritizes frequently found information over accuracy, creating dangerous blind spots for investors. 🎰 Poker Psychology Bonus The hosts reflect on lessons from James's recent poker success, including the importance of committing fully to bluffs and how alcohol affects risk tolerance—though they question whether these translate to real estate investing wisdom. 🎧 Subscribe for honest real estate insight that keeps you from costly AI-driven mistakes 📧 Contact Information: for midterm rental consulting for Colorado real estate Perfect for: STR investors using AI for market research and investment advice Anyone relying on ChatGPT for complex regulatory or legal information Real estate professionals needing to understand AI limitations with clients Investors learning the importance of ground-truth verification for AI recommendations People curious about the declining reliability of newer AI models 🔍 Search terms optimized in this episode: ChatGPT Airbnb investing mistakes 2025, AI real estate investment advice problems, Colorado STR regulations cities, short-term rental legal requirements, ChatGPT-5 vs ChatGPT-4 accuracy, AI limitations real estate investing
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Spencer Sutton from Evernest Discusses Accidental Landlord Mistakes & The Appreciation vs. Cash Flow Reality Check
09/17/2025
Spencer Sutton from Evernest Discusses Accidental Landlord Mistakes & The Appreciation vs. Cash Flow Reality Check
Accidental Landlords, Cash Flow Myths & Why Some Money is Better Than No Money Erin sits down with Spencer Sutton from Evernest (20,000+ properties) to tackle accidental landlords forced into renting due to selling difficulties. They cover overpricing pitfalls, tenant screening mistakes, and why cash flow obsessions often miss the bigger picture of long-term appreciation. 🏠 The Accidental Landlord Trap Spencer breaks down the two biggest mistakes: emotionally overpricing rentals and compromising screening when anxious about vacancy. His diagnostic—views but no showings means overpriced; showings but no applications means property issues. Bottom line: great residents are everything, and annual tenant turnover kills profits. 💰 Cash Flow vs. Appreciation Reality Check Erin and Spencer debunk cash flow obsession in investor education. Spencer's truth: you can torture spreadsheets to say anything. Erin's math—$500 monthly cash flow takes 8+ years to match $50,000 appreciation. The smarter play: think long-term asset appreciation if you can handle carrying costs. Perfect for: • Accidental landlords navigating their first rental experience • Investors questioning cash flow versus appreciation strategies • Property owners considering professional management • Anyone tired of guru spreadsheets that don't match market reality 🔍 Search terms optimized in this episode: Accidental landlords 2025, cash flow vs appreciation real estate, property management communication tips, tenant screening mistakes, long term rental strategy, EverNest property management insights 🎧 Subscribe for real-world property management wisdom minus the hype 🎧 Check our Evernest Here: Contact Information:
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Pet Fees That Actually Work & Colorado's New Walkthrough Rules Every Landlord Must Know
09/10/2025
Pet Fees That Actually Work & Colorado's New Walkthrough Rules Every Landlord Must Know
In this episode, Erin and James tackle what's a fair pet fee for STR/MTR properties, reveal shocking occupancy data that'll make you rethink your pet policy, and break down Colorado's new tenant walkthrough requirements. Plus, a cultural take on parenting regrets and how honest conversations break taboos in both family planning and real estate. 🐕 Pet Fees: The $100 Sweet Spot James and Erin break down the BiggerPockets debate: pet fees aren't about profit—they're about covering increased cleaning costs. The consensus? Around $100, with flexibility to adjust cleaning fees for higher-maintenance situations. 📊 The Pet-Friendly Advantage: Game-Changing Data VacCasa data shows pet-friendly listings had higher occupancy rates across every region and month. Going pet-friendly cuts competition by 30-50% in major metros, and allowing cats (not just dogs) creates maximum advantage. Biggest gap? December—families want pets for Christmas. 🏠 Colorado's New Tenant Law: Mandatory Walkthroughs HB 25-1249 requires post-departure walkthroughs if tenants request them. You can only deduct from deposits for items noted during inspection, plus new cleanliness standards and the 10-year carpet rule. Bottom line: more transparency, but not as burdensome as it sounds. Perfect for: Short-term and medium-term rental investors setting competitive rates Colorado landlords navigating new tenant protection laws Property managers looking for occupancy advantages in saturated markets Anyone interested in how transparency laws affect real estate investing 🔍 Search terms optimized in this episode: Pet fees short term rental, Colorado tenant walkthrough law 2025, pet friendly Airbnb occupancy rates, medium term rental pet policy, Colorado landlord deposit requirements, VacCasa occupancy data, competitive advantage pet friendly rentals 🎧 Subscribe for practical real estate insight without the fluff 🎧 Contact Information: or
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The #1 Reason Millennials Buy Homes & Are Americans Going Off-Grid?
09/03/2025
The #1 Reason Millennials Buy Homes & Are Americans Going Off-Grid?
The Real #1 Reason Millennials Buy Homes (It's Not Marriage or Kids) & Are Americans Going Off-Grid? In this episode of the Real Estate Education Podcast, Erin Spradlin and James Carlson kick off with a spirited debate about tennis's controversial underhand serve before diving into surprising homebuying data that puts pets above marriage and kids as motivators. They then tackle Fannie Mae's shocking statistic about rural loan applications surging 80% since the pandemic, exploring whether Americans are truly seeking an off-grid lifestyle—and whether that's actually a good idea. 🐕 Segment 1 – Dogs Beat Babies: The Surprising Truth About Millennial Home Purchases Survey data reveals the top three reasons people buy homes: additional living space (#1), built-in equity (#2), and pets (#3)—ranking above both having children (19%) and getting married (25%). Erin and James, recording with their own dogs Monday and Bo nearby, explore why this shift makes sense: millennials are the most educated generation and increasingly treat pets as family members. They discuss practical implications for landlords, including why allowing pets (especially cats) can expand your tenant pool significantly, and share ideas for pet-friendly home features like dog washing stations, fenced yards, and doggy doors. The hosts examine whether features like these actually influence buying decisions or just create positive emotional connections during showings. 🏔️ Segment 2 – The Off-Grid Surge: 80% More Rural Loan Applications Since COVID Fannie Mae reports that rural area loan applications have jumped 80% since the pandemic started, with rural home prices climbing 64% compared to 42.6% in metro areas. While James admits to the romantic appeal of the "Into the Wild" lifestyle, Erin raises serious concerns about isolation, safety (particularly for women), limited resources, and the risk of insular communities. They explore the driving factors: post-pandemic fear of density, rejection of technology ubiquity, health and wellness trends, and remote work enabling previously impossible lifestyles. The conversation takes a sobering turn as they discuss potential downsides including isolation-induced alcoholism, the reality that friends won't visit remote locations, higher costs, and the gap between romanticized simple living and harsh realities depicted in books like "The Road" and "Parable of the Sower." 🎧 Subscribe for honest real estate insight that examines the psychology behind major life decisions 📧 Contact Information: for midterm rental consulting for Colorado real estate 🎾 Tennis Philosophy Bonus The hosts debate whether tennis's controversial underhand serve represents innovative strategy or unsportsmanlike conduct, drawing parallels to poker psychology and the evolution of competitive tactics across sports. Perfect for: Millennials trying to understand their own homebuying motivations Landlords considering pet policies and pet-friendly property features Anyone curious about the rural real estate boom and off-grid lifestyle trends Real estate professionals helping clients navigate lifestyle-driven decisions People questioning whether romantic notions of simple living match reality 🔍 Search terms optimized in this episode: millennials buy homes for pets 2025, dogs influence home buying decisions, rural real estate boom pandemic, off-grid living pros and cons, pet-friendly rental policies, Fannie Mae rural loan statistics, dog washing station home features
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The Four Things Every Accidental Landlord Must Know & Three Lease Clauses That Actually Matter
08/27/2025
The Four Things Every Accidental Landlord Must Know & Three Lease Clauses That Actually Matter
The Four Things Every Accidental Landlord Must Know & Three Lease Clauses That Actually Matter In this episode of the Real Estate Education Podcast, Erin Spradlin and James Carlson return from Mexico City with fresh perspectives on accidental landlording—those who never planned to become property managers but find themselves with rentals due to moves, inheritance, or market conditions. They break down the essential survival guide for new landlords navigating increased competition, plus the critical lease clauses that protect you without drowning in legal complexity. 🏠 Segment 1 – Accidental Landlord Survival Guide: Four Non-Negotiables With delisted properties flooding the rental market as sellers refuse to accept lower prices, competition is fierce and rents are dropping. Erin and James tackle the reality check accidental landlords need: (1) Drop your price fast—the market doesn't care about your mortgage, and one month of vacancy equals 20-30 months of taking $100 less rent; (2) Only buy what matters—forget custom mugs and theater rooms, focus on washers, dryers, dishwashers, and good workspaces that actually drive rental decisions; (3) Speak to the broadest tenant pool—convenience trumps niche themes in midterm and long-term rentals; (4) Allow pets, especially cats—with more cat-owning renters facing discrimination, opening this door can dramatically expand your applicant pool while insurance claims average only $30 more annually. 📋 Segment 2 – Three Lease Clauses You Can't Skip Erin breaks down the essential legal protections every new landlord needs, regardless of state: (1) Notice to Entry—clearly state your right to enter with 24-48 hours written notice (varies by state, with Missouri having no requirements); (2) Deposit Rules—understand state-specific limits on amounts, return timelines, and whether you must hold deposits in separate interest-bearing accounts to avoid co-mingling funds; (3) Tenant Walkthrough Requirements—know if your state mandates end-of-lease walkthroughs when tenants request them, plus whether tenants get time to cure issues before deposit deductions. The hosts advocate for simple, readable leases over complex legalese, emphasizing that you can add practical clauses like "no glitter" alongside standard terms. 🎧 Subscribe for practical real estate advice that cuts through the complexity 📧 Contact Information: for landlord consulting and Hold My Hand mentoring packages, for Colorado real estate 🌮 Mexico City Bonus Erin and James share their recent Mexico City experience, debunking safety concerns and highlighting the incredible food scene, architecture (especially the National Anthropology Museum), and vibrant city culture that rivals any major metropolitan area. Perfect for: Accidental landlords thrust into property management unexpectedly New landlords drowning in legal complexity and needing practical guidance Property owners facing increased rental competition and stagnant rents Anyone considering Erin's "Hold My Hand" mentoring packages for hands-on landlord education Investors learning the difference between short-term "heads and beds" strategy vs. midterm convenience focus 🔍 Search terms optimized in this episode: accidental landlord guide 2025, rental market competition increased, lease clauses landlords need, pet-friendly rental policies, midterm rental tenant pool, landlord deposit rules by state, property management self-manage
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The Midterm Rental Trend We Hate Most & Why Family Money for Home Buying Is Actually Good
08/20/2025
The Midterm Rental Trend We Hate Most & Why Family Money for Home Buying Is Actually Good
In this episode of the Real Estate Education Podcast, Erin Spradlin and James Carlson start with a deep dive into "canon events"—those formative moments that shape us—before tackling two controversial takes: why skipping deposits in midterm rentals is dangerous, and why young buyers using family money isn't something to be ashamed of. They get real about wealth transparency, the evolution of rental platforms, and why some trends in real estate are worth pushing back against. 🏠 Segment 1 – The Deposit Disaster: Why "Worry-Free" Waivers Are Anything But Erin breaks down the midterm rental trend she hates most: platforms like Furnished Finder following Airbnb's lead by offering deposit alternatives and "worry-free waivers." While Airbnb's AirCover provides up to $3 million in coverage, these copycat programs max out around $3,000 with significant exclusions. Erin and James explain why they require deposits equal to one month's rent on all non-Airbnb bookings, sharing horror stories of platform bias toward guests and the nightmare of filing damage claims. They also discuss other pet peeves: bunk beds in adult rentals, photographing kitchens with open cabinets, and advertising WiFi speeds. The hosts explore Erin's evolution from Furnished Finder advocate to Airbnb-leaning, driven by higher guest volume and quality—though even Airbnb's recent guest-friendly policies are testing that loyalty. 💰 Segment 2 – The Family Money Reality Check: Why 24% of Young Buyers Getting Help Is Actually Great News A new Redfin survey reveals that one-fifth of Gen Z and millennial buyers used family gift money for down payments—up from just 12% in 2008. Rather than shame this trend, Erin and James argue it's smart strategy. They break down the numbers: 56% still use paychecks, but 24% get cash gifts, 18% live with family to save, and smaller percentages use second jobs, stock sales, or crypto. The hosts get vulnerable about their own family assistance (buying from parents with rent-to-own arrangements) and call out the dishonesty in real estate "guru" culture that pretends everyone bootstrapped alone. They explain lender rules (only parents, siblings, grandparents, spouses can gift) and share Urban Institute data showing many young buyers have the income for monthly payments but lack down payment savings. 🎧 Subscribe for honest real estate insight that cuts through the BS Contact Information: for midterm rental consulting for Colorado real estate Perfect for: Midterm rental hosts navigating deposit policies and platform changes Young buyers feeling guilty about accepting family financial help Real estate educators tired of "self-made" mythology Investors looking for honest takes on wealth building and transparency Anyone interested in the psychology behind major life decisions and real estate 🔍 Search terms optimized in this episode: midterm rental deposits 2025, Furnished Finder vs Airbnb policies, family money down payment statistics, Gen Z millennial home buying help, real estate canon events, worry free waiver problems, midterm rental trends to avoid
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Who to Trust for Real Estate Advice & Why Housing Costs Are Killing Birth Rates
08/13/2025
Who to Trust for Real Estate Advice & Why Housing Costs Are Killing Birth Rates
In this episode of the Real Estate Education Podcast, Erin Spradlin and James Carlson kick off with a fun "propaganda we're not falling for" segment before diving into serious territory: why young buyers are ditching traditional real estate professionals for YouTube and AI, and how housing affordability is literally reshaping America's future families. They explore the trust crisis in real estate, the rise of digital education, and the sobering connection between homeownership dreams and family planning decisions. 📱 Segment 1 – The Real Estate Trust Crisis: Why Gen Z Chooses YouTube Over Agents The 2025 Next Gen Homebuyer report reveals a stunning shift: only 33% of young buyers trust real estate agents, while 66% turn to YouTube for education and 35% use AI tools like ChatGPT. Erin and James break down why digital tools feel more trustworthy (no skin in the game) versus humans with commission incentives. They discuss the importance of cross-checking advice, why you still need human guidance for emotional and contractual complexity, and red flags to watch for when working with loan officers and agents. Plus, James shares why asking lots of questions is the hallmark of a trustworthy professional, and Erin offers her midterm rental consulting services for hands-on guidance. 👶 Segment 2 – Housing Costs vs. Baby-Making: The Demographic Crisis Nobody's Talking About Multiple studies show housing affordability is the #1 barrier to having children—25% of respondents aged 18-54 cite inability to buy a house as their biggest obstacle to starting families. The math is brutal: every 10% increase in home prices leads to 1% fewer births among non-homeowners. With the typical first-time buyer age hitting 38 (the highest ever), biological clocks are ticking while housing dreams remain out of reach. Erin and James explore the long-term real estate implications: will declining birth rates create a buyer shortage in 30 years? They also tackle the contradiction between government "pro-natalist" policies and the lack of support systems that would actually help families afford children. 🏠 Bonus Market Implications The hosts discuss how millennials' peak buying power drove recent price surges, what shrinking family sizes mean for home construction trends (average new home size actually decreased for the first time in decades), and whether build-to-rent properties need to pivot their sizing strategies for a childless future. 🎧 Subscribe for honest real estate insight that connects the dots between personal decisions and market forces 🎧 Contact Information: for midterm rental consulting for Colorado real estate Perfect for: Young buyers navigating the trust landscape of real estate professionals Anyone wondering why their friends are choosing YouTube over traditional advice Investors considering long-term demographic shifts in housing demand Policy watchers interested in the intersection of housing and family planning People curious about how personal financial decisions ripple into societal trends 🔍 Search terms optimized in this episode: Gen Z real estate trust 2025, YouTube vs real estate agents, housing costs birth rates correlation, first time homebuyer age 38, AI real estate advice ChatGPT, midterm rental consulting, demographic trends real estate market 2025
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Record Home Delistings and STR Recovery: What the Data Really Means
08/06/2025
Record Home Delistings and STR Recovery: What the Data Really Means
AirDNA's 2025 Mid-Year Report: Why Market Predictions Come With a Big Asterisk. On this episode of the Real Estate Education Podcast, Erin and James dive into AirDNA's mid-year STR market report, which shows steady recovery from the 2023 Airbnb bust with occupancy rates projected to hit just below 56% in 2026—above pre-pandemic averages. While the data suggests continued balance between supply and demand, the hosts emphasize the report's major caveat: unprecedented policy uncertainty at the national level makes these projections far less reliable than in previous years. The conversation shifts to a troubling trend in the housing market where sellers are pulling listings at record rates—up 47% from last year according to Realtor.com data. With 13 out of every 100 homes being withdrawn from the market (compared to just 6 in 2022), the hosts explore what this "delisting surge" means for both buyers and rental property owners, particularly how failed sales are creating increased competition in the rental market. Reach Out Interested in consulting with Erin? Email Also in this episode: How booking behavior has shifted dramatically—42% of all US bookings now made within two weeks Why Erin advises underpricing rentals initially rather than starting high and dropping prices The impact of sellers remaining "anchored to peak era expectations" on market dynamics Personal lessons on avoiding difficult conversations (featuring Erin's pickleball tournament dilemma) Concerns about institutional investors and foreign cash buyers changing the investment landscape Whether you're an STR owner navigating shifting booking patterns, considering your first rental property investment, or trying to understand why the housing market feels so unpredictable, this episode provides crucial context for 2025's unique challenges. The hosts remind listeners that while data shows gradual improvement, the current environment of rapid change—from AI to political upheaval—makes traditional real estate assumptions worth questioning. Subscribe, leave a review, and follow us on YouTube and Spotify for weekly real estate education content.
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From Tax Breaks to Bitcoin: Policy Changes Every Real Estate Investor Should Know
07/30/2025
From Tax Breaks to Bitcoin: Policy Changes Every Real Estate Investor Should Know
On this episode of the Real Estate Education Podcast, Erin and James break down the return of 100% bonus depreciation for short-term rental investors, now made permanent under the new tax bill. They explain how this powerful tax strategy—often called the "STR loophole"—allows qualifying investors to accelerate depreciation deductions and offset their W2 income, potentially saving tens of thousands of dollars annually. Using real-world examples, they walk through the three key steps to implement this strategy and discuss why it's exclusive to STRs versus traditional long-term rentals. The hosts also explore a significant shift in mortgage lending: how the Federal Housing Finance Agency is directing Fannie Mae and Freddie Mac to include cryptocurrency assets in loan qualification processes. Drawing from recent industry reports showing 5.4% of homebuyers now sell crypto for down payments, they discuss the implications of treating volatile digital assets similarly to tech stocks in mortgage underwriting, while weighing the benefits for younger buyers against potential risks to financial stability. Reach Out: Interested in consulting with Erin? Email Also in this episode: Why bonus depreciation works for STRs but not traditional rentals (hint: it's about active vs. passive income) The difference between cost segregation studies and 100% bonus depreciation Real example of a Miami buyer who lost 12% of his crypto value during forced liquidation How crypto reserves compare to stock holdings in mortgage qualification The tension between supporting small business investors and addressing housing affordability Whether you're a high-income earner looking for tax relief, an STR investor wanting to maximize deductions, or curious about how cryptocurrency is changing real estate financing, this episode provides the insights you need. The hosts remind listeners that while they may have political reservations about some tax policies, understanding and legally utilizing available strategies remains important for individual financial success. Subscribe, leave a review, and follow us on YouTube and Spotify for weekly real estate education content.
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What Real Estate Can Teach You About Marriage (and Vice Versa)
07/23/2025
What Real Estate Can Teach You About Marriage (and Vice Versa)
On this special episode of the Real Estate Education Podcast, Erin and James celebrate their ten-year wedding anniversary by exploring the surprising parallels between successful relationships and smart real estate investing. Drawing from their decade of marriage and years of property investment experience, they break down six key principles that govern both domains: from the critical importance of communication and goal alignment to understanding when battles are worth fighting and why daily consistency trumps grand gestures. The hosts share candid insights about their own relationship dynamics, including lessons learned from their one partnership experience (a Colorado Springs duplex that taught them valuable lessons about working styles), and how their complementary approaches to decision-making have served them well in both marriage and real estate ventures. They also tackle common misconceptions, like the "never go to bed angry" advice and why the 1% rule isn't gospel, emphasizing that there's no universal "right way" to approach either marriage or property investing. Reach Out: Interested in consulting with Erin? Email Also in this episode: Why communication style matters more than you think when choosing business partners The danger of assigning negative motivations in both tenant relationships and marriage How their consulting work reveals common patterns in both real estate and relationship challenges Why playing to strengths works—but overall workload equality still matters The pickleball analogy for confidence in real estate investing Whether you're a real estate investor looking to improve tenant relationships, considering a partnership, or simply curious about how life principles apply across different domains, this anniversary episode offers practical wisdom wrapped in personal stories. The hosts remind us that success in both marriage and real estate comes down to choosing your battles wisely, communicating clearly, and showing up consistently for the long haul. Subscribe, leave a review, and follow us on YouTube and Spotify for weekly real estate education content.Subscribe, leave a review, and follow us on YouTube and Spotify for weekly real estate education content.
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The 1% Rule Is Back—And It’s Still Terrible Advice
07/09/2025
The 1% Rule Is Back—And It’s Still Terrible Advice
Is It a Buyer’s Market or a Seller’s Market? How to Evaluate Your Midterm Rental City On this episode of the Real Estate Education Podcast, Aaron and James dig into one of the most common questions in real estate: is it a buyer’s market or a seller’s market? The answer—like most things in real estate—is more nuanced than you think. Using up-to-date data from Denver and insights from local lender Lonnie Gleisner, we break down the current housing market into three sub-markets: condos, townhomes, and detached single-family homes—and explain why your answer will depend on your asset class. Plus, Erin shares her insights from consulting with midterm rental investors across the U.S., including how to pick the right city for your MTR strategy, the dangers of analysis paralysis, and why BiggerPockets-style advice like the 1% rule can actually cost you money. Reach Out Interested in consulting with Erin? Email Also in this episode: Why walk scores matter for midterm rentals What YouTube "grad school" can teach real estate professionals Which inventory types are sitting vs. selling The overlap between writing, video, and real estate education Whether you're a new investor, an aspiring landlord, or a midterm rental host looking to scale, this episode will sharpen how you evaluate markets and make investment decisions. Subscribe, leave a review, and follow us on YouTube and Spotify for weekly real estate education content.
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The $9,000 Mistake Homeowners Keep Making: MLS vs. For Sale By Owner
07/02/2025
The $9,000 Mistake Homeowners Keep Making: MLS vs. For Sale By Owner
In this episode of the Real Estate Education Podcast, we dig into the hidden power of the MLS (Multiple Listing Service)—and why skipping it might be the most expensive mistake a seller can make. James shares a revealing case study comparing two similar homes in Colorado, each using a very different sales strategy. The results highlight what truly moves a property—and what doesn’t. We also analyze Redfin’s latest report on the decline of second home purchases. Are high mortgage rates and soft rental markets killing the dream of vacation homes? Or is something else happening beneath the surface? Contact Us: | Plus, we explore the pros and cons of flat-fee real estate listings, when they work, and when full-service agents still matter. Topics covered: FSBO (For Sale by Owner) vs. MLS listings The truth behind second home market trends Flat-fee real estate models and seller cost strategies Why visibility still matters in real estate Tune in for data-backed insights, candid discussion, and real-world examples that challenge common assumptions. Subscribe and leave a review if you find it useful.
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Airbnb Boom or Bust, Midterm Market Shifts & What a Recession Really Means for Homebuyers
06/25/2025
Airbnb Boom or Bust, Midterm Market Shifts & What a Recession Really Means for Homebuyers
Airbnb Boom or Bust, Midterm Market Shifts & What a Recession Really Means for Homebuyers In this episode of the Real Estate Education Podcast, Erin and James dive into short-term rental trends, the surprising psychology of recession-era homebuyers, and why your lifestyle (not the market) might be the smartest guide for when to buy. They also open with a sharp cultural take on the Titan sub implosion documentaries—and how blind trust in "experts" can lead to catastrophic outcomes in both deep-sea exploration and real estate investing. 🏚 Segment 1 – Airbnb: Boom, Bust, or Just Plain Complicated? Is the short-term rental bust over? We explore the shifting sands of Airbnb economics—from oversaturation fallout to signs of recovery in Colorado. Erin shares why domestic travel might be propping things up, what international tourism is signaling, and how smart investors are pivoting to survive with dual-purpose properties. Rents are softening, especially in California and Florida, and the midterm rental space isn’t immune. James and Erin break down what this means for lifestyle landlords, how to reframe real estate as a long-term play, and why some models are better suited to your goals (and sanity) than others. 📊 Segment 3 – Recession Psychology: Why 30% of Buyers Say They’d Buy More A new Realtor.com survey reveals that nearly 1 in 3 potential buyers would be more likely to purchase during a recession. Why? We break down the logic, the emotional drivers, and why milestone life events still outweigh market conditions for most buyers. Plus, we explain why timing the market is a trap—and what to focus on instead. 🎥 Bonus Pop Culture Segment Netflix vs. HBO's Titan sub implosion docs: Why we’re obsessed—and how the same blind optimism and guru worship shows up in real estate. It’s a must-hear metaphor (and a solid Tom Cruise sidebar). Perfect for: Short-term and midterm rental investors navigating 2025 Buyers trying to make sense of the market during economic shifts Agents coaching clients through recession-era decision-making People who love when pop culture and real estate collide 🔍 Search terms optimized in this episode: Airbnb bust or boom 2025, short term rental trends Colorado, real estate investing during a recession, midterm rental softening, long term rental market update, real estate psychology 2025, Titan sub documentary real estate metaphor, Colorado Airbnb revenue 2025, buying a house during a recession 🎧 Subscribe for honest real estate insight with a side of smart sarcasm 🎧 Contact Information: erin@erinspradlin.com or James@jamescarlsonre.com
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A Smarter Way to Sell: The New DIY Alternative to FSBO
06/18/2025
A Smarter Way to Sell: The New DIY Alternative to FSBO
Six Months in Mexico, Flat-Fee Listings, and What Our Clients Are Teaching Us About the 2025 Real Estate Market In this episode of The Real Estate Education Podcast, we’re covering three major topics—from expat life to evolving real estate models to real-time client case studies—all focused on helping you make smarter moves in today’s U.S. housing market. Segment 1 – Six Months Living in Mexico: What We’ve Learned Thinking of a life change? Whether you're moving cities or countries, this honest reflection on six months of living in Puerto Vallarta, Mexico covers what it’s really like to leave the U.S. in midlife. We discuss cost of living, healthcare, infrastructure, culture, and how this move unexpectedly changed our perspective on homeownership, pace of life, and housing decisions back home. Segment 2 – Flat-Fee Listings: Can They Save Sellers Thousands? Flat-fee MLS listings are becoming more attractive in a tight housing market. Erin explains why she’s launching flat-fee services in Colorado, how it works, which properties are a good fit, and what most sellers misunderstand about traditional real estate commissions. If you’re considering selling in 2025, this segment breaks down when not to pay 3% and what really sells a house (hint: it’s not social media). Segment 3 – Real Client Case Studies: What Buyers and Investors Are Doing Right Now From midterm rental investors in Missouri, California, and Florida to traditional buyers in Denver and Castle Rock, we’re sharing real strategies and outcomes from current clients. Learn what’s working (and what’s not) in markets across the U.S., including insurance stays, house hacking, FIRE movement buyers, and high-end midterm rental bookings in Portland. Topics Covered: Living abroad vs. U.S. housing stress Flat-fee real estate listings explained Midterm rental trends in 2025 How to sell a house without overpaying What makes a flat-fee listing successful FIRE movement and affordable home strategies How real estate technology is changing the agent model When full-service agents are still worth it Search terms optimized in this episode: real estate podcast 2025, flat fee MLS listing Colorado, midterm rental case study, selling a house without a realtor, moving to Mexico from the U.S., best cities for house hacking, FIRE movement real estate, Colorado housing market update 2025, Portland midterm rental demand, Mexico expat living 2025 Subscribe for real talk, no fluff, and actionable insight from two working real estate pros—who also happen to live in Mexico. Contact Information: or
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Tiny Towns Rise in the United States & Denver's Fastest-Growing Cities Ranked
06/11/2025
Tiny Towns Rise in the United States & Denver's Fastest-Growing Cities Ranked
What U.S. Cities Are Growing Fastest—and Why Tiny Towns May Be the Smartest Investment in 2025 In this episode of the Real Estate Education Podcast, we explore the fastest and slowest growing cities in the Denver metro area—and zoom out to a national trend reshaping American real estate: the rise of tiny towns. These are U.S. markets with fewer than 25,000 housing units, and they’ve seen surprising population growth since the pandemic. But are these “Zoomtowns” still gaining momentum—or is the trend reversing? Segment 1 – The Rise (and Plateau?) of Tiny Towns: We dive into why small markets boomed after 2020, what makes them attractive for real estate investors, and why 2025 might be the turning point as urban population rebounds. We highlight recent data from Briefcase Real Estate, touching on occupancy rates, remote work impacts, and national investment strategies for smaller U.S. metros. Segment 2 – Fastest and Slowest Growing Cities in the Denver Metro: From Arvada’s red-hot housing market (5 days on market!) to Castle Rock’s suburban sprawl slowdown, we analyze which Colorado cities are thriving and which are stagnating—and why. Learn how zoning, transit, housing diversity, and urban planning all play a role. Bonus: We also kick things off with a quick take on Mission Impossible: Dead Reckoning and the movie’s unexpected AI villain twist—plus some hot takes on Tom Cruise, Marvel movies, and yes, Scientology. Perfect for: Investors hunting for undervalued real estate markets in the U.S. Buyers and sellers trying to time their entry into fast-moving cities Real estate agents tracking market demand and homebuyer trends Anyone curious about how remote work, zoning, and urban planning impact home values Search terms optimized in this episode: real estate podcast USA 2025, fastest growing cities 2025, Denver housing trends 2025, small town real estate investment, tiny town population growth, best markets for real estate investing 2025, Castle Rock housing slowdown, Arvada real estate, Mission Impossible AI villain, Tom Cruise stunts 2025 Subscribe for smart, unscripted real estate insights from two full-time pros. Contact Information: or Briefcase Link:
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Condos Falling, Townhomes Climbing—Commissions Shift
06/04/2025
Condos Falling, Townhomes Climbing—Commissions Shift
In this episode of the Real Estate Education Podcast, we break down two of the hottest topics in the U.S. housing market right now: the difference between condos and townhomes in today’s market and the real-world impact of the 2024 NAR commission lawsuit on buyers, sellers, and real estate agents across the country. Condos vs. Townhomes – Which attached home is selling better in 2025? We analyze national housing data and local market trends to explain why townhomes are outperforming condos in pricing, days on market, and financing ease. If you're planning to buy or sell an attached home, this segment could influence your strategy—especially in cities like Denver, Colorado Springs, and beyond. Real Estate Commissions in 2025 – The 2024 lawsuit against the National Association of Realtors (NAR) promised sweeping change, but what’s actually different now for buyer’s agent commissions? We walk you through how this affects homebuyers, sellers, and real estate professionals, from required written agreements to changes in MLS advertising rules. Spoiler: much of the hype has not played out in practice, but we give you a grounded breakdown of what has shifted. And yes—NBA fans, we start the episode with a fun riff on the 2025 NBA Playoffs, wild comebacks, and why Nikola Jokić might still be the best player in the league. Perfect for: Buyers wondering if now is the time to purchase a condo Sellers deciding how to price and position townhomes Realtors adapting to new buyer commission structures Investors tracking shifts in residential real estate strategy Fans of informed, no-hype real estate talk with personality Search terms this episode is optimized for: real estate podcast 2025, condos vs townhomes 2025, NAR lawsuit update, buyer agent commission changes 2025, attached homes vs detached homes, townhome resale value, condo market downturn, how realtors get paid now, housing trends United States 2025, real estate commission lawsuit explained Subscribe now for practical insight, straight talk, and actionable real estate strategies. Contact Information: or James@jamescarlsonre
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The Pre-Listing Secret That Could Save You Thousands in Home Sale Negotiations
05/28/2025
The Pre-Listing Secret That Could Save You Thousands in Home Sale Negotiations
In this episode of the Real Estate Education and Investing Podcast, Erin Spradlin and James Carlson, seasoned real estate agents and investors, reveal a crucial pre-listing strategy most homeowners never consider. Erin explains how sellers can contact Redfin directly to remove their property's estimate when it's lower than their intended listing price, preventing buyers from seeing unfavorable discrepancies that could hurt negotiations. Automated valuations like Redfin estimates and Zillow's Zestimate have major limitations since they can't account for aesthetic improvements or updated features that add real value to properties. The conversation then examines two Colorado neighbors' contrasting insurance experiences after the 2021 Louisville Fire. While Safeco paid $311,000 within seven weeks after a simple interview, State Farm initially paid only $131,000 after requiring extensive documentation and a year-long process, though they eventually reached $850,000. Critical protection strategies emerge from this analysis, including understanding depreciated versus replacement value coverage, filming property contents, and asking specific questions about claims processes before disasters strike. This episode combines practical listing advice with essential insurance knowledge for today's challenging real estate market. Contact James: james@jamescarlsonRE.com Contact Erin: Erin@erinspradlin.com For more information visit: https://www.jamescarlsonre.com/ https://www.erinandjamesrealestate.com/
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Hottest & Coldest Housing Markets of 2025 - What Buyers Need to Know
05/21/2025
Hottest & Coldest Housing Markets of 2025 - What Buyers Need to Know
In this episode of the Real Estate Education and Investing Podcast, Erin Spradlin and James Carlson take a data-backed look at the hottest real estate markets in 2025, as revealed by Zillow’s latest heat index. The Northeast—particularly Buffalo, Rochester, and Syracuse—is experiencing rapid price growth and tight inventory, making it a strong seller’s market. Meanwhile, the Sunbelt markets are cooling, with Georgia, Alabama, and Mississippi now offering better deals for buyers thanks to price reductions and seller concessions. The hosts weigh in on what these shifts mean for investors, and why the upper Midwest might be the next smart move for those thinking long-term—especially in light of climate change risks. They also tackle the question: Should landlords cap utilities for tenants? Sharing their own midterm rental lease setup, they explain how to structure utility caps, why setting clear expectations is crucial, and how this approach protects landlords from extreme overages. Erin walks through her utility clause strategy, including deposit coverage, setting generous limits, and how to handle overages state by state—especially in landlord-restrictive states like California, DC, Oregon, and New York. Whether you're trying to forecast future rental costs or scout the best cities for real estate investing in 2025, this episode is packed with practical insights. Contact James: james@jamescarlsonRE.com Contact Erin: Erin@erinspradlin.com For more information visit: https://www.jamescarlsonre.com/ https://www.erinandjamesrealestate.com/
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Leases vs. Rental Agreements: What Every Property Investor Needs to Know
05/14/2025
Leases vs. Rental Agreements: What Every Property Investor Needs to Know
In this episode of the Real Estate Education and Investing Podcast, Erin Spradlin and James Carlson clear up the confusion around leases versus rental agreements, explaining that despite what some YouTube videos claim, both essentially serve as legal contracts with similar protections. Traditional leases happen outside platforms like Airbnb, the rental agreements within these platforms still offer legal protection for landlords—though they warn that platforms increasingly favor guests over hosts. They share a candid story about ignoring red flags with a tenant that led to headaches, emphasizing that proper tenant screening matters more than the type of agreement you use. So what makes a rental property work-friendly in today's market. They critique recommendations from AirDNA about essential work-from-home amenities for medium-term rentals, debating whether ergonomic chairs (which James calls "space-agey" and aesthetically unpleasing) are worth including versus more universally appealing standing desks. Their most practical advice? Don't put the workspace in common areas—workers need privacy and a door they can close during calls. As the medium-term rental market becomes increasingly professional, they stress that landlords need to thoughtfully design workspaces that photograph well but also function properly for remote workers. Throughout the episode, Erin and James blend practical advice with personal insights, making complex property management concepts accessible to investors at any level. Contact James: james@jamescarlsonRE.com Contact Erin: Erin@erinspradlin.com For more information visit: https://www.jamescarlsonre.com/ https://www.erinandjamesrealestate.com/
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This City just Banned all Short Term Rentals. Is Your Town Next?
05/07/2025
This City just Banned all Short Term Rentals. Is Your Town Next?
In this episode of the Real Estate Education and Investing Podcast, Erin Spradlin and James Carlson, tackle two critical issues affecting property investors: Furnished Finder's new "worry-free waiver" program and a concerning short-term rental ban in Woodland Park, Colorado. They analyze Furnished Finder's deposit alternative which charges hosts $60-80 monthly for protection up to $3,500 in damages, highlighting numerous limitations including cosmetic damage exclusions and comparing it unfavorably to traditional landlord protection policies. The hosts argue that security deposits serve not only as protection but also as an essential tenant screening tool—if prospective tenants cannot afford a deposit, they likely cannot afford the rental itself. The second segment examines Woodland Park's citizen-led ballot measure that completely banned STRs without grandfathering existing permit holders. What's particularly alarming is a recent court ruling suggesting property owners have little chance of successful legal challenge, setting a potentially dangerous precedent unlike previous regulatory changes in Colorado communities which typically preserved existing STR permits. Throughout the episode, the hosts emphasize the importance of working with knowledgeable professionals who understand local STR laws and can help investors navigate the increasingly complex regulatory landscape. Contact James: james@jamescarlsonRE.com Contact Erin: Erin@erinspradlin.com For more information visit: https://www.jamescarlsonre.com/ https://www.erinandjamesrealestate.com/
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Real Estate in Recession: Why Home Sales Might Surprise You
04/30/2025
Real Estate in Recession: Why Home Sales Might Surprise You
In this episode of the Real Estate Education and Investing Podcast, Erin Spradlin and James Carlson, chat about something pretty surprising – how recessions actually affect the housing market in ways you might not expect. They break down the weird pattern that happens: home sales usually dip when a recession hits, but then they often pick up steam midway through and at the end as interest rates drop. The hosts share some eye-opening stats from Housing Wire's economist showing that despite 2023-2024 having historically low sales, more people are submitting purchase applications, suggesting buyers are getting ready to jump back in. They also discuss the new Colorado law that's shaking things up for short-term rental owners – now unincorporated counties can bump their lodging tax from a measly 2% all the way up to 6%, just like cities can. If you've got a vacation rental in the mountains or rural areas, this is definitely something to watch! James, who works with short-term rental investors across the country, explains how these taxes show up on the guest side through platforms like Airbnb, which automatically handles all the local tax stuff. Airbnb is programmed to know all the different Airbnb laws in each area – it won't even let you list a short-term stay in places with minimum-night requirements. Throughout their conversation, they provide tons of practical insights for anyone thinking about real estate investment during economic uncertainty or jumping into the short-term rental market. Enjoy this crash course in navigating the housing market during weird economic times! Contact James: james@jamescarlsonRE.com Contact Erin: Erin@erinspradlin.com For more information visit: https://www.jamescarlsonre.com/ https://www.erinandjamesrealestate.com/
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No One Knows What’s Happening in Real Estate Right Now—and That’s the Problem
04/23/2025
No One Knows What’s Happening in Real Estate Right Now—and That’s the Problem
In this episode of the Real Estate Education and Investing Podcast, Erin Spradlin and James Carlson break down why 2025 may be one of the most confusing years ever for real estate investors. With the Trump administration’s new tariffs and aggressive deportation policies in full effect, construction materials are more expensive, labor is scarcer, and residential construction costs are rising fast. The hosts reference a new NAHB study showing how even common items like washing machines are now significantly more expensive to install in new homes. More importantly, they explain how this filters down to both investors and homebuyers, who are now forced to make major financial decisions in a climate of fear and unpredictability. Erin discusses what she’s seeing in the rental space—owners feeling nervous about bookings and pricing, especially as travel slows and spending tightens. James adds that even active buyers are showing signs of second-guessing their moves, unsure if rates, insurance, or home values are stable enough to trust. They also explore global forecasts suggesting home insurance premiums could rise by 30–40%, as rebuilds take longer and cost more due to disrupted supply chains. This episode is an honest, grounded look at buying property during economic instability, and what savvy investors can do to navigate a volatile market. Contact James: james@jamescarlsonRE.com Contact Erin: Erin@erinspradlin.com For more information visit: https://www.jamescarlsonre.com/ https://www.erinandjamesrealestate.com/
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Is Your Condo Unsellable? Fannie Mae’s Blacklist and What you Need to Know.
04/16/2025
Is Your Condo Unsellable? Fannie Mae’s Blacklist and What you Need to Know.
In this episode of the Real Estate Education and Investing Podcast, Erin Spradlin and James Carlson examine two urgent real estate issues facing buyers and investors in 2025. First, they take a close look at the growing interest in office to housing conversion, especially in cities struggling with high vacancy rates and lack of affordable housing. They explore how local governments are incentivizing developers to repurpose commercial buildings, and why co-housing might be the only financially viable option in many of these conversions. Erin shares why the rise in remote work is pushing companies to reevaluate office space, while James warns of the unintended consequence of turning corporate buildings into glorified company dorms. Then they unpack the implications of the Fannie Mae condo blacklist, which quietly renders thousands of condo buildings ineligible for traditional financing due to stricter post-Surfside regulations. From insurance issues with HOAs to outdated building maintenance, Erin and James reveal how being labeled a non-warrantable condo can trap sellers and scare off buyers—especially since there's no public access to the list. They offer a helpful reminder to always ask about a condo’s loan eligibility and recommend working with agents who understand how to interpret HOA financials and compliance documents. Whether you're looking to invest in co-living spaces or buy a condo, this episode is packed with actionable advice and critical insights into the realities of urban housing in 2025. Contact James: james@jamescarlsonRE.com Contact Erin: Erin@erinspradlin.com For more information visit: https://www.jamescarlsonre.com/ https://www.erinandjamesrealestate.com/
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How Tariffs and Deportations Are Raising Housing Costs in 2025
04/09/2025
How Tariffs and Deportations Are Raising Housing Costs in 2025
In this episode of the Real Estate Education and Investing Podcast, Erin Spradlin and James Carlson break down how newly implemented tariffs and immigration policies are reshaping the housing market. Referencing a recent New York Times article, they analyze a case study showing that labor and material costs for a new home in Phoenix jumped by nearly 9%, mainly due to deportations affecting construction labor and tariffs inflating imported material prices like concrete and insulation. Erin highlights how even though not every buyer will purchase a new build, these increased costs will reduce supply and place upward pressure on prices across the market. They also discuss how mortgage rates in April 2025 have hit a temporary low, providing a rare moment of increased buying power. With interest rates dropping from 7.25% to 6.5%, buyers can now afford more house—but the hosts caution that this window may be short-lived. James explains how first-time homebuyer challenges continue to mount, especially as affordability remains out of reach and rate fluctuations create uncertainty. While this could be an ideal moment to buy for confident, secure buyers, they warn that volatility may discourage others from jumping in. The episode closes with a grounded conversation about whether now is the time to sell. Despite lower rates, Erin and James explain why they’re still holding—highlighting how real estate investing during political uncertainty calls for patience, not panic. If you're looking for data-driven, real-talk perspectives on the state of real estate in 2025, this episode has you covered. Contact James: james@jamescarlsonRE.com Contact Erin: Erin@erinspradlin.com For more information visit: https://www.jamescarlsonre.com/ https://www.erinandjamesrealestate.com/
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