Foreclosures are spiking across the country, and today I’m breaking down the Top 20 states getting hit the hardest — with real numbers, real trends, and what this means for homeowners, buyers, and investors.

Support this podcast at — https://redcircle.com/rants-and-gems/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

How does someone steal 11 homes… legally?

Today I’m breaking down the insane Brooklyn deed-theft case where a “real estate investor” took over distressed homeowners’ properties, transferred the deeds, and pocketed years of rental income — while the original owners were still on the hook for the mortgages.

This is one of the wildest cases in NYC real estate right now, and it exposes a major problem that homeowners, investors, and agents need to understand:

deed theft, short sale scams, fake rescue plans, and predatory “consultants” targeting people in foreclosure.

Support this podcast at — https://redcircle.com/rants-and-gems/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

Foreclosures are rising across America—and tonight I’m breaking down the Top 20 states with the highest foreclosure rates, the counties you need to watch, and what this actually means for the 2025 housing market. The headlines say “distress is climbing,” but the truth is deeper: inflation, insurance spikes, property taxes, forbearance exits, and higher mortgage rates are putting real pressure on homeowners in specific regions.

Support this podcast at — https://redcircle.com/rants-and-gems/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

Tonight we’re breaking down one of the biggest debates in housing right now: Assumable vs. Portable Mortgages — and whether the Trump administration’s push to explore portability could finally unlock America’s frozen inventory.

Most homeowners are trapped by their low rates. Over 70% of mortgages in this country are under 4%. That “rate-lock prison” has shut down move-up buying, slowed listings, and strangled inventory. Now, policymakers are floating two major ideas: expanding assumable mortgages and introducing portable mortgages, a feature used in Canada and the U.K. that would let you take your low rate with you to your next home.

Support this podcast at — https://redcircle.com/rants-and-gems/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

Should you pay off your mortgage early — or invest that extra money instead?

This is one of the biggest wealth questions in real estate and personal finance, and today we’re running the real numbers to find out which one actually wins.

I’ll break down what happens when you take that same $500 a month and either:

💸 Pay down your mortgage faster — saving thousands in interest and becoming debt-free sooner

📈 Invest it in the stock market — earning compound returns that could make you a millionaire by retirement

⚖️ Do both — using a hybrid strategy that balances equity, liquidity, and growth

This isn’t theory — it’s math.

Support this podcast at — https://redcircle.com/rants-and-gems/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

The 50-Year Mortgage is here — but is it a path to wealth or a lifetime of debt?

In this video, I break down the real math behind the 50-year mortgage and show you exactly how it could either make you a millionaire… or keep you broke forever.

We’ll run the numbers side-by-side:

• 30-Year vs 50-Year mortgage payments
• How much you really save monthly
• What happens if you invest those savings into the stock market
• The shocking truth about how long homeowners actually keep their loans (hint: it’s not 30 years)

This isn’t about politics — it’s about strategy. The 50-year mortgage can be a powerful tool if you know how to use it. But if you don’t, it’s a trap designed to keep you paying interest for life.

Support this podcast at — https://redcircle.com/rants-and-gems/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

Most people think you need to be a realtor or investor to make big money in real estate — wrong.

In this episode, I sit down with a professional home inspector who’s making six figures inspecting homes. We break down:

• How to get started with little to no experience
• The licenses, tools, and training that actually matter
• How to find clients fast using realtor relationships
• The real income potential (and what it takes to scale)
• Why home inspection is one of the most slept-on careers in real estate

If you want to get in the real estate game without buying property, this is your play.

Support this podcast at — https://redcircle.com/rants-and-gems/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

Big news in the real estate and mortgage world: Fannie Mae just dropped the minimum 620 credit-score requirement for loans submitted through its Desktop Underwriter® (DU®) system, effective for new case files created on or after November 16, 2025.

This move opens the door for borrowers with thinner credit histories and shifts the focus from a hard number to DU’s overall risk-assessment model. Lenders still must pull credit scores for every borrower, but from now on DU will use a composite approach rather than a fixed minimum. 

Support this podcast at — https://redcircle.com/rants-and-gems/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

Zohran Mamdani just won — and New York City real estate will never be the same.

In this live breakdown, MG The Mortgage Guy cuts through the noise to unpack what Mamdani’s victory really means for landlords, investors, and homeowners.

We’re diving deep into:

• The truth about the proposed citywide rent freeze and who it actually helps or hurts
• How Mamdani’s plan to build 200,000 affordable units could reshape NYC’s housing supply
• The coming property tax reform and which neighborhoods will pay more
• Zoning and green building mandates that could change development economics overnight
• Why small landlords and large investors are reacting very differently

No politics. Just straight real estate game — numbers, data, and strategy for what’s next in the NYC market.

If you own, rent, or invest in New York, this is the conversation you can’t afford to miss.

Support this podcast at — https://redcircle.com/rants-and-gems/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

In this episode of Rants & Gems, MG The Mortgage Guy sits down with Ryan McCrary to break down how to create a sales funnel system that actually converts into cash.

Most entrepreneurs and real estate investors start their business chasing freedom — more time, more money, more control. But the truth is, freedom only comes when you have a system that brings in leads and sales on autopilot.

Support this podcast at — https://redcircle.com/rants-and-gems/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy