Mythbuster Monday is back and today we're tackling one of the most misunderstood topics in real estate: investment properties.

A lot of people think investing in real estate is only for the wealthy, requires a massive down payment, or is just too complicated to figure out. Michael Dendy is here to bust all of it.

In this episode, we're breaking down the real rules around investment property loans, why house hacking might be the smartest move a first-time investor can make, and what a DSCR loan is and how it lets rental income do the qualifying for you. We'll also cover the most common mistakes first-time investors make and how to avoid them before they cost you.

Real estate is one of the most powerful wealth-building tools available. This episode will show you how to actually use it.

Reach out to our team with any questions or to get started: 615-499-6335 | [email protected]

Did you know Tennessee has programs specifically designed to help first-time homebuyers cover their down payment and closing costs and some of it doesn't even have to be paid back?

In this episode, Michael Dendy breaks down everything you need to know about Tennessee's first-time homebuyer programs: who qualifies, what the income limits look like, and how to actually use these benefits when you're ready to buy. We're covering the difference between loans, grants, and forgivable assistance and how to figure out which option makes the most sense for your situation.

If you've been sitting on the sidelines because you don't think you have enough saved, this episode might change everything.

Reach out to our team with any questions or to get started:

615-499-6335 | [email protected]

Everyone's waiting for rates to drop. But what if waiting is actually costing you more?

In this episode, Michael Dendy breaks down 40 years of mortgage rate history to reveal what most buyers don't realize: 6% isn't the exception it's closer to the norm. We're talking about the real cost of sitting on the sidelines while home prices keep climbing, how refinancing works and what it actually costs, and why the bond market not the government is driving the rates you see today.

Plus, Michael busts one of the biggest myths in real estate: that renting while you wait is the safe move.

Spoiler — your interest rate on rent is 100%.

If you've been holding off on buying because of rates, this episode is for you.

Reach out to our team with any questions or to get started:

615-499-6335 |

[email protected]

Buying a home isn't a solo sport and the team you build around you can make or break the entire experience.

In this episode, Michael Dendy walks through every professional you need in your corner before you start the home buying process: the right loan officer, the right real estate agent, the right home inspector, and a few key players most buyers never think about until it's too late.

We're also talking pre-approval why it's the first move you need to make, and what it tells you beyond just a number. Plus, the HOA fees that catch buyers off guard, the questions you should be asking every professional before you hire them, and how to avoid the payment shock that derails so many first-time buyers.

The right team doesn't just help you close they help you close with confidence.

Reach out to our team with any questions or to get started: 615-499-6335 | [email protected]

Mythbuster Monday is here! Today's myth: "A 30-year mortgage is always the smart choice."

In this episode, Michael breaks down the real difference between a 30-year and a 15-year mortgage: the monthly payment tradeoff, the interest you actually pay, and the situations where a shorter term wins every time. We'll also cover why a 30-year isn't always wrong — and the one question you should be asking your lender before you decide.

More loan. More interest. More years. Is that really the move?

Tune in and find out.

Reach out to our team with any questions or to get started: 615-499-6335 | [email protected]

Choosing between a fixed rate mortgage and an adjustable rate mortgage (ARM) can cost ... or save ... you thousands over time.

In this episode, Michael breaks down the real differences between the two, when an ARM actually makes sense, and when locking in your rate is the smarter move.

Not all loans are created equal and picking the wrong one could hurt you long-term.

Subscribe, review and comment any topics or questions you want addressed.

As always, reach out to our team with any questions or to see what option is best for your situation!

615-499-6335

Let's be honest. Moving to a new state is stressful. Nobody's going to tell you otherwise with a straight face. But there's a difference between the kind of stressful that grinds you down for six months and the kind where you've got a plan and you're just doing the work. Michael busts the myth that interstate moves have to be chaos — because most of the stress isn't inevitable, it's just unpreparedness wearing a disguise. He walks through the things you can do before, during, and after the move to take the sharp edges off. The boxes are still going to be everywhere. The kids are still going to be loud. But you don't have to be flying blind on top of it.

🎙️ New episodes every Monday & Friday.

📲 Follow us on Instagram for more mortgage myths and home buying tips.

📞 Call or Text: 615-499-6335

📧 [email protected]

🌐 MichaelDendy.com

There's a quiet assumption out there that once you retire or hit a certain age, the door to homeownership closes. That lenders won't touch you. That without a paycheck coming in every two weeks, you don't qualify. That ship has sailed. It hasn't. Michael busts the myth that age or retirement status disqualifies you from getting a mortgage — because it doesn't, and the law actually has something to say about lenders who think otherwise. Social Security counts. Retirement accounts count. Investment income counts. If you've been sitting on the sideline thinking you missed your window, you didn't.

🎙️ New episodes every Monday & Friday.

📲 Follow us on Instagram for more mortgage myths and home buying tips.

📞 Call or Text: 615-499-6335

📧 [email protected]

🌐 MichaelDendy.com

Escrow might be the most used and least explained word in the entire home buying process. Your lender mentions it. Your agent mentions it. Your closing disclosure is full of it. And most buyers just nod along hoping it'll make sense eventually. It doesn't have to be that confusing. Michael breaks down what escrow actually is, where your money goes when it disappears into that account every month, who's managing it, and what happens when the numbers don't add up at your annual review. If you've ever gotten an escrow analysis letter in the mail and had no idea what you were looking at — this one's for you.

🎙️ New episodes every Monday & Friday.

📲 Follow us on Instagram for more mortgage myths and home buying tips.

📞 Call or Text: 615-499-6335

📧 [email protected]

🌐 MichaelDendy.com

Private mortgage insurance exists for one reason — to protect the lender, not you. And yet somehow buyers just accept it as a fact of life, like a toll you pay because the road is there. It is not inevitable. Michael busts the myth that PMI is unavoidable and walks through the legitimate ways to get around it, eliminate it early, or structure your loan so it never shows up in the first place. One of them you've probably never heard of. One of them your lender might not bring up on their own. And one of them is sitting right there in your VA benefit if you earned it — completely PMI-free, forever, by law.

🎙️ New episodes every Monday & Friday.

📲 Follow us on Instagram for more mortgage myths and home buying tips.

📞 Call or Text: 615-499-6335

📧 [email protected]

🌐 MichaelDendy.com