Today, Ryan breaks down what the latest Fed rate hike actually means for real estate investors—and what's probably being overblown.

With the federal funds rate moving up another 25 basis points, there's a lot of noise out there. Ryan cuts through it and explains what the Fed does and does not control, why mortgage rates don't move one-for-one with Fed decisions, and what higher rates could mean for buyers, sellers, investors, and lenders.

From there, the conversation gets practical: fewer buyers, longer days on market, more pressure on pricing, and higher holding costs. Ryan explains why investors need to stress-test deals harder, be more conservative with ARV, and understand extension costs before they ever close.

PRESS RELEASE: https://www.federalreserve.gov/newsevents/pressreleases/monetary20260916a.htm?utm_source=chatgpt.com

CHAPTERS 00:00 Introduction to Interest Rate Changes 04:47 Impact to Regular Home Buyers 09:07 Impact on Real Estate Investors 12:59 Navigating the Current Market

REGISTER FOR BREAKTHROUGH OKC Use FIXED20 to get $20 off your ticket! https://registration.breakthroughokc.com/check-out

RYAN: FB: https://www.facebook.com/ryankadlec.tx/ IG: https://www.instagram.com/ryan.kadlec86/ LinkedIn: https://www.linkedin.com/in/ryan-kadlec-485911b9 Email: [email protected] CALL or TEXT: 469-587-8093

JOEL: FB: https://www.facebook.com/joel.kadlec.2025 IG: https://www.instagram.com/kadlec.joel/ TikTok: https://www.tiktok.com/@joelkadlec Email: [email protected] CALL or TEXT: 918-880-2937

KNOW SOMEONE? GET THAT EXTRA $1K! https://fixedlending.com/rhino-1k/ MORE ABOUT THE RHINO GUARANTEES: https://fixedlending.com/ LET'S GET YOU FUNDED! https://www.fixedlending.com/apply/ JOIN THE FFR EXCLUSIVE CLUB! https://www.facebook.com/groups/fundfliprepeat LEARN MORE FROM OUR WEBSITE: https://fixedlending.com/educational-resources/

In this episode of Fund Flip Repeat, Ryan sits down with Oklahoma investor and author Marty Hofmann to talk about what it really means to Kill Complacency and live with more intention.

Marty shares how he went from growing up on a farm in Iowa and working in ministry to building a 70-door real estate portfolio in Oklahoma. He also talks about how books like Rich Dad Poor Dad changed the way he thought about leverage, why responsible debt can be a powerful tool, and how consistency—not some overnight breakthrough—helped him build what he has today.

From there, the conversation gets bigger than real estate. Marty breaks down the seven areas he tries to stay intentional in—faith, family, fitness, finances, fun, friends, and his future self—and why entrepreneurs can't afford to let one area of life consume all the others

CHAPTERS! 00:00 Introduction 00:50 Marty, the Farm Kid from Iowa 06:01 The Birth of 'Kill Complacency' 08:40 What is the easiest to neglect in the 7F's? 12:28 Family Dynamics and Intentional Parenting 16:48 Upcoming Event: Breakthrough OKC

REGISTER FOR BREAKTHROUGH OKC Use FIXED20 to get $20 off your ticket! https://registration.breakthroughokc.com/check-out

GET THE BOOK. LISTEN TO THE PODCAST. https://www.killcomplacency.com/ AMAZON - https://www.amazon.com/Kill-Complacency-Drifting-Living-Designed/dp/B0GY9QGX9W/

CONNECT WITH MARTY: IG - https://www.instagram.com/martyhofmann1/ FB - https://www.facebook.com/marty.hofmann.2025

RYAN: FB: https://www.facebook.com/ryankadlec.tx/ IG: https://www.instagram.com/ryan.kadlec86/ LinkedIn: https://www.linkedin.com/in/ryan-kadlec-485911b9 Email: [email protected] CALL or TEXT: 469-587-8093

JOEL: FB: https://www.facebook.com/joel.kadlec.2025 IG: https://www.instagram.com/kadlec.joel/ TikTok: https://www.tiktok.com/@joelkadlec Email: [email protected] CALL or TEXT: 918-880-2937

KNOW SOMEONE? GET THAT EXTRA $1K! https://fixedlending.com/rhino-1k/ MORE ABOUT THE RHINO GUARANTEES: https://fixedlending.com/ LET'S GET YOU FUNDED! https://www.fixedlending.com/apply/ JOIN THE FFR EXCLUSIVE CLUB! https://www.facebook.com/groups/fundfliprepeat LEARN MORE FROM OUR WEBSITE: https://fixedlending.com/educational-resources/

In this episode of Fund Flip Repeat, Ryan sits down with fellow private lender Ray Burkhalter from REI Funding Partners in Alabama to talk about something a lot of real estate investors eventually run into: the gap between building a successful business and actually creating passive income.

Ray shares how he went from engineering to real estate investing, then into private lending, and why the original promise that drew him into real estate—financial freedom—didn't just happen automatically.

They dig into what Ray calls the "unfulfilled promise of real estate investing": doing more deals, making bigger checks, and staying busy without ever actually building income that works without you. The key, according to Ray, is being intentional early about what kind of passive income streams you're building and why.

CHAPTERS 00:00 Meet Ray! 03:26 The Unfulfilled Promise of Real Estate Investing 07:51 "I just need to do more deals" is a TRAP! 10:37 Transitioning to Passive Income 13:16 Market Insights and Strategies 15:56 What the Alabama market looks like 20:46 Rapid Fire

CONNECT WITH RAY: REI Private Funding: https://reiprivatefunding.com/ Private Lending Blueprint: https://www.renovatethestate.com/

RYAN: FB: https://www.facebook.com/ryankadlec.tx/ IG: https://www.instagram.com/ryan.kadlec86/ LinkedIn: https://www.linkedin.com/in/ryan-kadlec-485911b9 Email: [email protected] CALL or TEXT: 469-587-8093

JOEL: FB: https://www.facebook.com/joel.kadlec.2025 IG: https://www.instagram.com/kadlec.joel/ TikTok: https://www.tiktok.com/@joelkadlec Email: [email protected] CALL or TEXT: 918-880-2937

KNOW SOMEONE? GET THAT EXTRA $1K! https://fixedlending.com/rhino-1k/ MORE ABOUT THE RHINO GUARANTEES: https://fixedlending.com/ LET'S GET YOU FUNDED! https://www.fixedlending.com/apply/ JOIN THE FFR EXCLUSIVE CLUB! https://www.facebook.com/groups/fundfliprepeat LEARN MORE FROM OUR WEBSITE: https://fixedlending.com/educational-resources/

In this episode of Fund Flip Repeat, Ryan sits down with his wife, Sara, to talk about what entrepreneurship actually looks like when both people in the house are building something of their own.

Sara shares how she went from nursing to building a full-time food blog, and Ryan talks about what it's been like making his own jump from a steady corporate job into entrepreneurship. They get into the fun parts, the stressful parts, and the stuff people don't always talk about—comparison, imposter syndrome, family pressure, risk, and trying not to let the business take over everything.

They also talk about how they've learned to take risks without being reckless, why having a plan matters, and what they hope their kids pick up from watching them build, fail, pivot, and keep going.

00:00 Introduction to Entrepreneurship Journey 02:36 Sarah's Transition from Nursing to Entrepreneurship 05:05 Navigating the Entrepreneurial Roller Coaster 07:24 Balancing Business and Family Life 09:49 Understanding Risk in Entrepreneurship 13:28 Lessons for the Next Generation 20:07 Rapid Fire Questions and Conclusion

Sara's Blog: https://thebetteredblondie.com/

RYAN: FB: https://www.facebook.com/ryankadlec.tx/ IG: https://www.instagram.com/ryan.kadlec86/ LinkedIn: https://www.linkedin.com/in/ryan-kadlec-485911b9 Email: [email protected] CALL or TEXT: 469-587-8093

JOEL: FB: https://www.facebook.com/joel.kadlec.2025 IG: https://www.instagram.com/kadlec.joel/ TikTok: https://www.tiktok.com/@joelkadlec Email: [email protected] CALL or TEXT: 918-880-2937

KNOW SOMEONE? GET THAT EXTRA $1K! https://fixedlending.com/rhino-1k/ MORE ABOUT THE RHINO GUARANTEES: https://fixedlending.com/ LET'S GET YOU FUNDED! https://www.fixedlending.com/apply/ JOIN THE FFR EXCLUSIVE CLUB! https://www.facebook.com/groups/fundfliprepeat LEARN MORE FROM OUR WEBSITE: https://fixedlending.com/educational-resources/

In this episode of Fund Flip Repeat, Ryan sits down with Texas investor Kyle Eli to talk about how a background in construction, engineering, and wholesaling shaped the way he approaches flipping today.

Kyle shares why he intentionally targets higher-price-point deals with bigger spreads, how he thinks about competition, and why buying right matters more than trying to force profit out of the back end of a project. He also breaks down how he vets contractors, protects his capital while scaling, and uses disciplined reserves to avoid getting stretched too thin.

00:00 Introduction to Real Estate Investing 02:40 Kyle Eli's Background and Transition 05:00 Investment Strategy: Targeting Higher Price Points 07:37 Finding and Vetting Contractors 10:05 Scaling and Growth in Real Estate 12:44 Advice for New Investors 15:02 Rapid Fire Questions and Closing Thoughts

🍽 FOOD RECS https://www.panthercitybbq.com/

CONNECT WITH KYLE: KE Homebuyers - https://www.facebook.com/profile.php?id=61582282095689

RYAN: FB: https://www.facebook.com/ryankadlec.tx/ IG: https://www.instagram.com/ryan.kadlec86/ LinkedIn: https://www.linkedin.com/in/ryan-kadlec-485911b9 Email: [email protected] CALL or TEXT: 469-587-8093

JOEL: FB: https://www.facebook.com/joel.kadlec.2025 IG: https://www.instagram.com/kadlec.joel/ TikTok: https://www.tiktok.com/@joelkadlec Email: [email protected] CALL or TEXT: 918-880-2937

KNOW SOMEONE? GET THAT EXTRA $1K! https://fixedlending.com/rhino-1k/ MORE ABOUT THE RHINO GUARANTEES: https://fixedlending.com/ LET'S GET YOU FUNDED! https://www.fixedlending.com/apply/ JOIN THE FFR EXCLUSIVE CLUB! https://www.facebook.com/groups/fundfliprepeat LEARN MORE FROM OUR WEBSITE: https://fixedlending.com/educational-resources/

Are real estate networking events actually worth your time?

In this episode of Fund Flip Repeat, Ryan shares what he has learned from attending meetup groups across Dallas-Fort Worth while building FixedLending's presence in Texas. He breaks down what makes a networking group worth returning to, how to avoid wasting time, and why the real value is not collecting business cards—it is building relationships that can turn into opportunities months down the road.

Ryan also explains why consistency matters, how he judges whether an event is worth the time investment, and why follow-up is where most of the real networking work happens. At FixedLending, the goal is not to walk into a room looking for an immediate loan. It is to meet people, add value, build trust, and create relationships before the deal ever shows up.

CHAPTERS 00:00 Introduction to Networking in Real Estate 02:24 Is it worth your time? 04:25 Figure out why you're going 06:09 There might be people who are not serious 07:53 Follow-Up and Consistency

Tulsa REIA - https://tulsareia.com/

JASON'S EVENTS CALENDAR: https://dfwreicalendar.com/

RYAN: FB: https://www.facebook.com/ryankadlec.tx/ IG: https://www.instagram.com/ryan.kadlec86/ LinkedIn: https://www.linkedin.com/in/ryan-kadlec-485911b9 Email: [email protected] CALL or TEXT: 469-587-8093

JOEL: FB: https://www.facebook.com/joel.kadlec.2025 IG: https://www.instagram.com/kadlec.joel/ TikTok: https://www.tiktok.com/@joelkadlec Email: [email protected] CALL or TEXT: 918-880-2937

KNOW SOMEONE? GET THAT EXTRA $1K! https://fixedlending.com/rhino-1k/ MORE ABOUT THE RHINO GUARANTEES: https://fixedlending.com/ LET'S GET YOU FUNDED! https://www.fixedlending.com/apply/ JOIN THE FFR EXCLUSIVE CLUB! https://www.facebook.com/groups/fundfliprepeat LEARN MORE FROM OUR WEBSITE: https://fixedlending.com/educational-resources/

In this episode of Fund Flip Repeat, Ryan sits down with Oklahoma investor and property manager Corey Scarpa to talk about what real estate looks like when you've seen both sides of the business: what sells fast and what actually holds up over time.

Corey started investing at just 18 years old by renting out rooms in a house next door to his dad. Today, he manages around 140 doors, helps investors buy and sell, flips properties, and works closely with the Tulsa real estate community.

The conversation covers everything from tenant screening and CapEx to contractor red flags, project management, and why understanding a neighborhood can make or break a deal.

One of Corey's biggest takeaways: flipping teaches you what sells on day one, but property management teaches you what lasts through year three.

CHAPTERS 00:00 Introduction to Real Estate Journeys 02:37 Corey's Unique Path into Real Estate 04:59 Building a Property Management Business 07:21 Lessons from Flipping and Managing Properties 09:53 Common Mistakes in Property Management 12:26 Project Management for Investors 14:42 Evaluating Investment Opportunities 17:11 Rapid Fire Questions and Personal Insights

Tulsa REIA - https://tulsareia.com/ 🍽 Andolini's - https://andopizza.com/

CONNECT WITH COREY https://www.scarpaproperties.com/

RYAN: FB: https://www.facebook.com/ryankadlec.tx/ IG: https://www.instagram.com/ryan.kadlec86/ LinkedIn: https://www.linkedin.com/in/ryan-kadlec-485911b9 Email: [email protected] CALL or TEXT: 469-587-8093

JOEL: FB: https://www.facebook.com/joel.kadlec.2025 IG: https://www.instagram.com/kadlec.joel/ TikTok: https://www.tiktok.com/@joelkadlec Email: [email protected] CALL or TEXT: 918-880-2937

KNOW SOMEONE? GET THAT EXTRA $1K! https://fixedlending.com/rhino-1k/ MORE ABOUT THE RHINO GUARANTEES: https://fixedlending.com/ LET'S GET YOU FUNDED! https://www.fixedlending.com/apply/ JOIN THE FFR EXCLUSIVE CLUB! https://www.facebook.com/groups/fundfliprepeat LEARN MORE FROM OUR WEBSITE: https://fixedlending.com/educational-resources/

Success and failure can both distort the way you see yourself.

A great deal can make you feel like you have mastered the business. A bad one can make you question whether you belong in it at all. In this episode of Fund Flip Repeat, Ryan shares five reminders for staying grounded through the highs and lows of real estate entrepreneurship.

He breaks down why success and failure are events—not your identity—why your process matters more than any single deal, and why investors need to evaluate themselves over a longer horizon instead of reacting emotionally to every win or setback.

This episode is a candid look at the mental side of building a business, staying disciplined when things are going well, and maintaining confidence when they are not.

IN THIS VIDEO: 00:00 Intro 02:50 Tip 1 - Successes and failures are events 03:54 Tip 2 - Judge your process 05:07 Tip 3 - Build your identity outside of business. 06:47 Tip 4 - Evaluate success in timeframes 09:22 Tip 5 - Humility in success, confidence in failure

RYAN: FB: https://www.facebook.com/ryankadlec.tx/ IG: https://www.instagram.com/ryan.kadlec86/ LinkedIn: https://www.linkedin.com/in/ryan-kadlec-485911b9 Email: [email protected] CALL or TEXT: 469-587-8093

JOEL: FB: https://www.facebook.com/joel.kadlec.2025 IG: https://www.instagram.com/kadlec.joel/ TikTok: https://www.tiktok.com/@joelkadlec Email: [email protected] CALL or TEXT: 918-880-2937

KNOW SOMEONE? GET THAT EXTRA $1K! https://fixedlending.com/rhino-1k/ MORE ABOUT THE RHINO GUARANTEES: https://fixedlending.com/ LET'S GET YOU FUNDED! https://www.fixedlending.com/apply/ JOIN THE FFR EXCLUSIVE CLUB! https://www.facebook.com/groups/fundfliprepeat LEARN MORE FROM OUR WEBSITE: https://fixedlending.com/educational-resources/

Artificial intelligence is changing the way real estate investors analyze deals—but should it be making your investment decisions?

In this episode of Fund Flip Repeat, Ryan shares how AI fits into his underwriting process as a private lender. From reviewing scopes of work and analyzing appraisals to catching red flags faster, AI has become a powerful tool for improving efficiency. But there's one thing it should never replace: your judgment.

Ryan explains why the fundamentals of underwriting haven't changed, how the Four C's still drive every lending decision, and where investors should draw the line between automation and experience. If you're wondering how to use AI without becoming overly dependent on it, this episode offers a practical framework you can apply to every deal.

IN THIS VIDEO 00:00 Introduction to AI in Real Estate Lending 04:46 Leveraging AI for Due Diligence 09:05 Conclusion and Future Insights

RYAN: FB: https://www.facebook.com/ryankadlec.tx/ IG: https://www.instagram.com/ryan.kadlec86/ LinkedIn: https://www.linkedin.com/in/ryan-kadlec-485911b9 Email: [email protected] CALL or TEXT: 469-587-8093

JOEL: FB: https://www.facebook.com/joel.kadlec.2025 IG: https://www.instagram.com/kadlec.joel/ TikTok: https://www.tiktok.com/@joelkadlec Email: [email protected] CALL or TEXT: 918-880-2937

KNOW SOMEONE? GET THAT EXTRA $1K! https://fixedlending.com/rhino-1k/ MORE ABOUT THE RHINO GUARANTEES: https://fixedlending.com/ LET'S GET YOU FUNDED! https://www.fixedlending.com/apply/ JOIN THE FFR EXCLUSIVE CLUB! https://www.facebook.com/groups/fundfliprepeat LEARN MORE FROM OUR WEBSITE: https://fixedlending.com/educational-resources/

This week on Fund Flip Repeat, Ryan breaks down what the latest market data is really saying about real estate investing in Texas and Oklahoma—and more importantly, what investors should do with it.

Are prices falling? Is now the time to wait? Or are there still opportunities hiding in today's market?

Using June 2026 market data, Ryan compares Texas, DFW, Tulsa, and Oklahoma City, then shares two investing strategies that are working right now—from staying below the median price point for faster exits to pursuing higher-margin projects backed by strong local data.

If you're wondering how to navigate a market that feels uncertain, this episode is all about making decisions based on facts—not headlines or hope.

00:00 What we're seeing in Oklahoma 06:05 What we're seeing in Oklahoma 13:39 Recap and Final Thoughts

RYAN: FB: https://www.facebook.com/ryankadlec.tx/ IG: https://www.instagram.com/ryan.kadlec86/ LinkedIn: https://www.linkedin.com/in/ryan-kadlec-485911b9 Email: [email protected] CALL or TEXT: 469-587-8093

JOEL: FB: https://www.facebook.com/joel.kadlec.2025 IG: https://www.instagram.com/kadlec.joel/ TikTok: https://www.tiktok.com/@joelkadlec Email: [email protected] CALL or TEXT: 918-880-2937

KNOW SOMEONE? GET THAT EXTRA $1K! https://fixedlending.com/rhino-1k/ MORE ABOUT THE RHINO GUARANTEES: https://fixedlending.com/ LET'S GET YOU FUNDED! https://www.fixedlending.com/apply/ JOIN THE FFR EXCLUSIVE CLUB! https://www.facebook.com/groups/fundfliprepeat LEARN MORE FROM OUR WEBSITE: https://fixedlending.com/educational-resources/