Larry Bailey and Caeli Ridge host this episode where we spent time with the community to review a new loan program and to review a community member property he is considering investing in.

Here is what we covered at this event:

1. Open Q&A
2. Reviewing a new loan program that allows for cross-collateralization
3. A community member brought a property to Caeli to review. She provided invaluable insights on how to review the property for investment

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at [email protected] 

Copyright ©2022 Geneva Financial, LLC, DBA Ridge Lending Group

NMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Privacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode reviews the events from the week of 10-10-2022. 

The topics reviewed are:

• Consumer Inflation Remains Hot But Is Hope Ahead?
• Producer Inflation Also Higher Than Expectations
• Fed Minutes Convey Hawkish Tone
• Family Hack of the Week - Carving Pumpkins from Good Housekeeping
• Initial Jobless Claims Rise for Second Consecutive Week

The information is sourced from MBS Highway.

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at [email protected] 

Copyright ©2022 Geneva Financial, LLC, DBA Ridge Lending Group

NMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Privacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

Larry Bailey and Caeli Ridge host this episode where we spent time with the community to help explain what is happening in these changing times for loan programs and interest rates.

Here is what we covered at this event:

1. Open Q&A
2. Reasons and methods for cashing out (harvest equity)
3. Owner-occupied loan options

Here are some highlights:
1. Borrowed funds are non-taxable

2. Non-QM is available in OH and 46 other states with Ridge Lending Group

3. Commercial loans for residential properties (including non-recourse)

4. DSCR loan reserves are specific to the property

5. You need to use the Simulator to find out if the All-in-One loan program works for you

6. Position yourself now to be prepared for the next deal you will be given

7. Keep your eye on deeply-discounted properties...they are starting to be available

8.  Cross-collateralized Lines of Credit are coming to market with Ridge Lending Group

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at [email protected] 

Copyright ©2022 Geneva Financial, LLC, DBA Ridge Lending Group

NMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Privacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode reviews the events from the week of 10-3-2022. 

The topics reviewed are:

• The Real Scoop on September’s Job Gains
• Private Payrolls Showed Job Growth Picked Up in September
• Labor Market Starting to Show Signs of Pressure
• Annual Home Price Appreciation Slowing But Still Significant
• Family Hack of the Week - Apple Strudel Muffins from AllRecipies
• OPEC+ Announced Deep Cut in Oil Production

The information is sourced from MBS Highway.

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at [email protected] 

Copyright ©2022 Geneva Financial, LLC, DBA Ridge Lending Group

NMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Privacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

Larry Bailey and Caeli Ridge host this episode with a very special guest. Ashish Acharya is known as the "Investor Friendly CPA" and is a WEALTH of knowledge for Real Estate investors everywhere.  We had a fantastic time and spent over 1 hour talking about how to create opportunities to reduce your federal and state income taxes using cost segregation.

Here is what we covered at this event:

1. What is cost segregation?
2. Why are we using cost segregation as a strategy?
3.  Why are we doing cost segregation in real estate and not other businesses?
4. What is the downside of accelerating the depreciation if we take the first-year bonus?
5.  Is cost segregation helpful even if you don't qualify as a Real Estate Professional Status (REPS)?

Here is some additional information to reach out to Ashish:
Some biography and Social Media link

https://www.crecapitalmgmt.com/#team

https://www.investorfriendlycpa.com/ashish-acharya.php

-         Facebook https://www.facebook.com/Investorfriendlycpa

-         YouTube https://www.youtube.com/channel/UCu1-6wkkAWcBhkHpHV4sTQg

-        Instagram https://www.instagram.com/Investor_friendly_CPA


Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at [email protected] 

Copyright ©2022 Geneva Financial, LLC, DBA Ridge Lending Group

NMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Privacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode is reviewing the events from the week of 9-19-2022. 

The topics reviewed are:

• Fed Hikes Rates Another 75 Basis Points
• Low Housing Inventory Remains Supportive of Prices
• Household Formations Continue to Outpace Completions
• More Home Builders Offering Incentives as Confidence Wanes
• Family Hack of the Week - Garden Vegetable Soup from the Food Network
• Low Jobless Claims Show Labor Market Remains Tight

The information is sourced from MBS Highway.

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at [email protected] 

Copyright ©2022 Geneva Financial, LLC, DBA Ridge Lending Group

NMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Privacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

Larry Bailey and Caeli Ridge host this episode and they talk about:

• Loan Programs for Owner Occupied homes
  • Conventional
  • FHA
  • VA
  • USDA
  • HELOC
  • Construction Loans
  • And more...
• Interest Rates for Owner Occupied homes 
  • More volatile and best pricing
• Enhanced processing, underwriting, and closing for Owner Occupied homes
  • Usually less documentation and quicker processing and closing times

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at [email protected] 

Copyright ©2022 Geneva Financial, LLC, DBA Ridge Lending Group

NMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Privacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

Larry Bailey and Caeli Ridge host this episode and they talk about:

• Asset protection through using an LLC and also through using a non-recourse loan 
• How to mentally make it through this kind of environment as an investor 
• Announcing our special CPA guest for a future show
• Fannie Mae and Freddie Mac "Due on Sale " Clause
• Caeli reminds you about how to set up the best way to capture the most money from your property "ARV" - After Rehab Value

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at [email protected] 

Copyright ©2022 Geneva Financial, LLC, DBA Ridge Lending Group

NMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Privacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. 
Today's episode is reviewing the events from the week of 9-5-2022. 

The topics reviewed are:

• Home Prices Still Forecasted to Appreciate at Meaningful Level
• Initial Jobless Claims Reach Lowest Level Since Late May
• Fed Talks Tough About Inflation
• Family Hack of the Week - Fall Season Maintenance around your home

The information is sourced from MBS Highway.

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at [email protected] 

Copyright ©2022 Geneva Financial, LLC, DBA Ridge Lending Group

NMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Privacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

Larry Bailey and Caeli Ridge host this episode, and she talks about:

• Caeli discusses current market conditions for the value of your home
• Current interest rates can try to undermine your efforts in investing
• Equity Harvesting - now is the time to do it
• Owner-Occupied loan programs that are available
• Fixed versus ARM (Adjustable Rate Mortgage) products
• Full Amortization versus Interest Only
• Discussion about Condo-tels
• **Bonus Content - Post-Credits - Caeli reviews a property Mike found**

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at [email protected] 

Copyright ©2022 Geneva Financial, LLC, DBA Ridge Lending Group

NMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Privacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice