The real estate industry is changing faster than ever, and technology is leading the charge. In this solo episode, Ron Phillips breaks down Rocket Companies' latest acquisitions of Mr. Cooper Group and Redfin, and what this means for the future of real estate. By combining the nation's largest loan originator, mortgage servicer, and home search platform, Rocket is building a true end-to-end homeownership experience. Ron explores how this new model will disrupt traditional brokerages, challenge the National Association of REALTORS®, and finally simplify the complex process of buying and owning a home.

WHAT YOU'LL LEARN FROM THIS EPISODE

• How Rocket Companies is evolving into a full homeownership platform

• Why the acquisition of Mr. Cooper and Redfin changes everything for consumers

• What an end-to-end real estate experience means for homebuyers and investors

• 2 things that could simplify mortgage and closing processes

• The reason traditional brokerages and MLS systems may face major disruption

RESOURCES MENTIONED IN THIS EPISODE

• Rocket Companies

• Redfin

• Mr. Cooper

CONNECT WITH US:

• If you need help with anything in real estate, please email [email protected]

• Reach Ron: RP Capital

• Leave podcast reviews and topic suggestions: iTunes

• Subscribe and get additional info: Get Real Estate Success

• Facebook Group: Cash Flow Property Facebook Community

• Instagram: @ronphillips_

• YouTube: RpCapital

• Get the latest trends and insights: RP Capital Newsletter

Think Wall Street dominates the real estate market? Think again. In this solo episode, Ron Phillips breaks down key insights from Batch Data's Q2 2025 Investor Pulse Report, revealing the real story behind who owns America's homes. Over 90% of rental properties are owned by small and mid-sized investors, not mega hedge funds. Ron explains how these independent investors are stabilizing markets, adding rental supply, and outperforming institutional players. He also highlights how shifting mortgage rates, cash purchases, and investor behavior are shaping the future of real estate.

WHAT YOU'LL LEARN FROM THIS EPISODE

• The truth about investor ownership, small investors dominate, not Wall Street

• How investors are returning inventory to traditional homebuyers

• "Build-to-rent" communities and what they mean for the market

• Why 6% mortgage rates aren't high, and how affordability has shifted

• What institutional pullbacks mean for small investors and rehabbers in 2025

RESOURCES MENTIONED IN THIS EPISODE

• Investor Pulse - Q2 2025 - BatchData

CONNECT WITH US:

• If you need help with anything in real estate, please email [email protected]

• Reach Ron: RP Capital

• Leave podcast reviews and topic suggestions: iTunes

• Subscribe and get additional info: Get Real Estate Success

• Facebook Group: Cash Flow Property Facebook Community

• Instagram: @ronphillips_

• YouTube: RpCapital

• Get the latest trends and insights: RP Capital Newsletter

It's that time of year again, when smart investors make last-minute moves that pay off big. Today, we explain why waiting until December to buy or refinance property could cost you valuable tax advantages. Hear updates on mortgage rates, small investor power, and why now is the time to plan, not panic, before the year closes.

WHAT YOU'LL LEARN FROM THIS EPISODE

• Why early November is the true deadline for year-end real estate tax strategy

• How bonus depreciation can create massive write-offs on investment properties

• What's really happening with the Fed funds rate vs. mortgage rates

• Builder incentives and discounts you can leverage before the new year

• An effective way to create negotiation leverage in 2025's market

CONNECT WITH US:

• If you need help with anything in real estate, please email [email protected]

• Reach Ron: RP Capital

• Leave podcast reviews and topic suggestions: iTunes

• Subscribe and get additional info: Get Real Estate Success

• Facebook Group: Cash Flow Property Facebook Community

• Instagram: @ronphillips_

• YouTube: RpCapital

• Get the latest trends and insights: RP Capital Newsletter

Affordable housing isn't just a buzzword; it's becoming a national crisis. In this solo episode, Ron Phillips breaks down the data from the Atlanta Fed's Home Ownership Affordability Monitor and reveals why the numbers tell a bigger story about government intervention, construction costs, and market imbalance. He explains how home prices, interest rates, taxes, and insurance interact to shape affordability, and why builders have stopped creating entry-level homes altogether. This episode cuts through the noise to show what's really behind the housing gap and what it means for investors.

WHAT YOU'LL LEARN FROM THIS EPISODE

• How income, interest rates, and home prices combine to create unaffordability
• Why the "affordable" price band has nearly vanished across the U.S.
• Economic reasons why builders no longer construct sub-$300K homes
• Luxury home sales vs. entry-level housing
• The impact of government regulation on construction costs and supply

RESOURCES MENTIONED IN THIS EPISODE

• Why It's Nearly Impossible to Build Affordable Housing in America with Brian Mertz

CONNECT WITH US:

• If you need help with anything in real estate, please email [email protected]
• Reach Ron: RP Capital
• Leave podcast reviews and topic suggestions: iTunes
• Subscribe and get additional info: Get Real Estate Success
• Facebook Group: Cash Flow Property Facebook Community
• Instagram: @ronphillips_
• YouTube: RpCapital
• Get the latest trends and insights: RP Capital Newsletter

Most investors underestimate how powerful consistent, uninterrupted returns can be. In this solo episode, Ron Phillips breaks down the "Rule of 72" and explains how even small differences in annual returns can dramatically accelerate your wealth. Learn how stacking real estate's four key returns, cash flow, appreciation, principal reduction, and tax benefits, creates compounding growth that beats traditional investments over time.

WHAT YOU'LL LEARN FROM THIS EPISODE

• 4 types of real estate returns that work together to build wealth
• How compounding and uninterrupted returns multiply your investment results
• A simple way to calculate how fast your money doubles
• Why even small appreciation rates can lead to double-digit overall returns
• The power of assets that create more assets through reinvestment

RESOURCES MENTIONED IN THIS EPISODE

• #343 How to Legally Avoid Taxes and Pass Down Millions Using 1031s with Daniel Osman, CPA

CONNECT WITH US:

• If you need help with anything in real estate, please email [email protected]
• Reach Ron: RP Capital
• Leave podcast reviews and topic suggestions: iTunes
• Subscribe and get additional info: Get Real Estate Success
• Facebook Group: Cash Flow Property Facebook Community
• Instagram: @ronphillips_
• YouTube: RpCapital
• Get the latest trends and insights: RP Capital Newsletter

Every week, new headlines and charts make real estate look either like it's about to skyrocket or crash and burn. In this episode, Ron Phillips unpacks the fearmongering and cherry-picking in foreclosure, mortgage rate, and net worth data. He explains why context matters, how to read beyond the graphs, and where the truth usually lies somewhere in the middle. Instead of falling for polarized narratives, Ron shows how to focus on fundamentals and long-term investing strategies that stand the test of time.

WHAT YOU'LL LEARN FROM THIS EPISODE

• What 2025 foreclosure filings compared to 2009 reveals the real context

• The truth about sub-3% and 6%+ mortgages and why those charts mislead

• Why NAR's renter vs homeowner net worth comparison leaves out critical data

• How to ask the right questions when reviewing market graphs and headlines

• The one truth that always holds: long-term fundamentals outperform the hype

CONNECT WITH US:

• If you need help with anything in real estate, please email [email protected]

• Reach Ron: RP Capital

• Leave podcast reviews and topic suggestions: iTunes

• Subscribe and get additional info: Get Real Estate Success

• Facebook Group: Cash Flow Property Facebook Community

• Instagram: @ronphillips_

• YouTube: RpCapital

• Get the latest trends and insights: RP Capital Newsletter

Confusion about interest rates and lending is everywhere, and too many investors end up making costly mistakes. In this episode, Ron Phillips breaks down how mortgage rates really work, why the Fed doesn't directly control them, and how layers of middlemen can quietly inflate your loan costs. He shares practical strategies for comparing lenders, understanding par rates, and avoiding unnecessary fees so you can secure better financing for your investments.

WHAT YOU'LL LEARN FROM THIS EPISODE

• Why mortgage rates don't move in lockstep with Fed rate cuts
• The role of the 10-year Treasury in real estate lending
• How extra layers of middlemen drive up par rates and fees
• Par rate: What it means and how to use it when comparing lenders
• How different investors and programs impact loan terms and buy downs
• Key reasons why cutting out waste in lending can save you about 1% on your rate

CONNECT WITH US:

• If you need help with anything in real estate, please email [email protected]

• Reach Ron: RP Capital

• Leave podcast reviews and topic suggestions: iTunes

• Subscribe and get additional info: Get Real Estate Success

• Facebook Group: Cash Flow Property Facebook Community

• Instagram: @ronphillips_

• YouTube: RpCapital

• Get the latest trends and insights: RP Capital Newsletter

The headlines about interest rates and real estate markets are often confusing, and many investors end up stuck on the sidelines. In this episode, Brendan Seiber cut through the noise and walk through real-world client examples of how equity repositioning, refinances, and 1031 exchanges can accelerate portfolio growth.

WHAT YOU'LL LEARN FROM THIS EPISODE

• How DSCR loans make cash-out refinances possible even with higher rates
• Why interest-only loans can help investors reposition equity faster
• A step-by-step breakdown of a client refinance that unlocked $100K for reinvestment
• The power of compounding equity repositioning over 5–10 years
• Why every investor's scenario is unique and requires tailored strategies

ABOUT BRENDAN SEIBER

Brendan Seiber joined RP Capital in July 2022 while transitioning out of the U.S. Army, where he served over seven years as an Infantry leader. Since then, he has led as Director of Sales, managing a team of investment property consultants who guide clients through planning and executing their real estate strategies. Today, RP Capital has evolved into Lineage, carrying the same trusted team and an expanded mission: to change how investment real estate is bought and sold while building generational wealth for everyone in the investment life cycle.

Through curated property selection, vertically integrated insurance and DSCR lending, tech-enabled property management, live portfolio tracking, and white-glove service, Brendan and his team make real estate accessible, efficient, and effective—without sacrificing the freedom and flexibility that investors are working to achieve.

CONNECT WITH BRENDAN

• Website: Lineage

• LinkedIn: Brendan Seiber

CONNECT WITH US:

• If you need help with anything in real estate, please email [email protected]

• Reach Ron: RP Capital

• Leave podcast reviews and topic suggestions: iTunes

• Subscribe and get additional info: Get Real Estate Success

• Facebook Group: Cash Flow Property Facebook Community

• Instagram: @ronphillips_

• YouTube: RpCapital

• Get the latest trends and insights: RP Capital Newsletter

Wholesaling can be a legitimate entry point into real estate investing, but when abused, it damages the entire industry. In this episode, Ron Phillips calls out an egregious example of predatory wholesaling where an elderly seller was exploited for massive profit. Ron shares why deals like this give real estate a bad name, why regulators are cracking down, and how investors can—and must—hold themselves and others accountable.

WHAT YOU'LL LEARN FROM THIS EPISODE

• A real-world example of predatory wholesaling that crossed the line
• How risk-reward ratios expose when a deal is fundamentally unfair
• Why celebrating exploitation online damages the industry's reputation
• The importance of choosing coaches and mentors who teach integrity
• How bad actors fuel regulation and public distrust of investors
• What it looks like to police ourselves and take the high road in real estate

CONNECT WITH US:

• If you need help with anything in real estate, please email [email protected]
• Reach Ron: RP Capital
• Leave podcast reviews and topic suggestions: iTunes
• Subscribe and get additional info: Get Real Estate Success
• Facebook Group: Cash Flow Property Facebook Community
• Instagram: @ronphillips_
• YouTube: RpCapital
• Get the latest trends and insights: RP Capital Newsletter

When Warren Buffett makes a move, investors take notice. He just poured nearly $1 billion into homebuilders Lennar and D.R. Horton—despite a sluggish housing market. In this episode, Ron Phillips breaks down Buffett's bet, why real estate fundamentals still point upward, and what most people get wrong about interest rates and mortgages. If you're waiting on the sidelines or already investing, this episode shows why Buffett's strategy matters for you.

WHAT YOU'LL LEARN FROM THIS EPISODE

• Reasons why Warren Buffett invested heavily in Lennar and D.R. Horton despite a sluggish housing market
• How long-term supply and demand dynamics make residential real estate a solid bet
• The critical role of land banking in positioning builders for rapid growth
• Why Fed rate cuts and mortgage rates aren't the same thing and why waiting for the Fed may be a mistake
• What Buffett's strategy signals for investors who are debating whether to act now or hold cash

RESOURCES MENTIONED IN THIS EPISODE

• DR Horton
• Lennar
• Jerome Powell

CONNECT WITH US:

• If you need help with anything in real estate, please email [email protected]
• Reach Ron: RP Capital
• Leave podcast reviews and topic suggestions: iTunes
• Subscribe and get additional info: Get Real Estate Success
• Facebook Group: Cash Flow Property Facebook Community
• Instagram: @ronphillips_
• YouTube: RpCapital
• Get the latest trends and insights: RP Capital Newsletter