4ThePLAN

Own an investment property worth $300K or more? In this conversation, Brad Roche sits down with Terry Judge, CEO of Core Advisors, to walk through what cost segregation is, why most CPAs never bring it up, and how a study can move a large share of a property's value into accelerated depreciation. They cover who it fits, short-term rental and real estate professional rules, bonus depreciation, audit defense, and what a study typically costs compared to what it can return.

This is educational only and is not tax advice. Talk with your CPA or tax advisor about your own situation.

Brad Roche, The Mortgage Planner
www.themortgageplanner.com

Brad Roche, NMLS 135191
Licensed in North Carolina (L-112833) and South Carolina (MLS3094)
Equal Housing Lender. NFM NMLS 2893. www.nfmlending.com. © 2026 NFM Lending, LLC. America's Common Sense Lender® Trade/service marks are the property of NFM Lending, LLC. and/or its subsidiaries. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

Nearly half of sellers are offering concessions right now. The real question is what you do with the money. Brad breaks down seller paid costs, rate buydowns, and closing cost credits, and how Charlotte and Lake Norman buyers can turn a seller concession into a lower monthly payment. Get the plan before you write the offer. More at 4theplan.com.

Own a home in the Charlotte area? Your free Home Report shows your home's value, your equity, and what that equity could do next. Get yours at 4theplan.com.

Thinking about buying a house in today's market? Sellers are paying concessions and rates keep moving, but there is a smarter way to play it. Brad shows how the right plan can save you thousands, with a real equity example from Charleston. More at 4theplan.com.

Do you know where the market is right now, and how to make the right offer in it? Brad explains why a seller paid closing cost credit can work like a rate cut, and how buyers are using buydowns to cut their monthly payment. More at 4theplan.com.

Buying your first house in Charlotte or Lake Norman? Brad walks through the plan: preapproval, down payment options, closing costs, and the mistakes first-time buyers make in the first 30 days. Start with a plan, not a panic. More at 4theplan.com.

Rates move and headlines shout, but buyers with a plan still win. Brad lays out how to build your mortgage plan in today's market: payment first, then rate, then timing, with real examples from Charlotte area buyers. More at 4theplan.com.

Brad broadcasts from Summerville, South Carolina: what is happening in the Summerville and Charleston housing market, what buyers and sellers are seeing on the ground, and how to plan your move. More at 4theplan.com.

Is it time to buy, sell, or refinance? Brad Roche breaks down how to read the signals that matter, from mortgage rates and home prices to your own timeline and budget. If you have been waiting on the sidelines in Charlotte or Lake Norman, this episode helps you decide when the right move is now and when patience pays. More at 4theplan.com.