In this compelling episode of the "Institute of Higher Earning" podcast, T.J., Nick, Tony and their guest, Kristin Gerst, delve into the complexities of the multifamily real estate market and the broader commercial sector, especially focusing on the current challenges surrounding commercial non-performing paper. With over $1.2 trillion in commercial paper facing rate resets, they discuss the immense pressure building in the market as interest rates double, potentially leading to significant financial distress for property owners.

Kristin highlights the intriguing investment opportunities emerging from these conditions, particularly in acquiring undervalued loans secured against commercial properties. Additionally, they tackle the critical issue of liquidity problems in the real estate market. As banks face the reality of resetting interest rates on loans, the tightening credit conditions could lead to a liquidity squeeze, making it harder for investors to refinance or acquire new properties under favorable terms.

This episode is crucial for understanding how to navigate these turbulent waters in commercial real estate, recognizing both the risks and opportunities that come with liquidity constraints and non-performing loans. Whether you’re an investor, a real estate professional, or just keen on the dynamics of the market, this conversation offers vital insights into surviving and thriving amid potentially the next real estate crash.

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Chapters:

0:00 - Kristin Gerst, Mortgage Note Investor

2:30 - Difference Between Now & 2008

6:30 - Bad Commercial Operators or Bridge Loan Risk

7:35 - "Value Add"

8:15 - Protecting Commercial Assets in a Rising Interest Environment

11:15 - Liquidity During a Crash

13:50 - Non-Performing Notes

16:15 - Dodd-Frank and Modern Banking Regulations

17:15 - Notes vs. Short Sales

18:40 - Regional Bank Risk

20:23 - Private Equity Funds Writing Bad Paper and the Consequences

22:50 - Forbarence

26:45 - Title Companies and RMLOs

31:00 - Embezzlement by Servicing Company

32:10 - Downfall of Commercial

33:55 - Interest Rates

38:40 - Defaults

40:00 - Affordability and Demand

43:50 - Fed Buying Mortgages

45:20 - Average Consumer

47:30 - 6 Months from Now

48:00 - Rents are Going Down

51:00 - Home Ownership vs. High Rise Amenities

52:20 - Stress Testing Your Deal

54:45 - Speed of Rate Drops

57:40 - Lack of Credit and Liquidity

1:00:00 - New Realtors in TX

1:04:45 - Cosplay and Yachts

In this episode of The Institute of Higher Earning, hosts TJ Kosen and Nick Sicilian welcome Bill Allen, a real estate entrepreneur and former Navy commander. Bill shares his journey from military service to becoming a successful real estate investor, the challenges and triumphs of raising a special needs child, and his transition to a more peaceful farm life. He also delves into the importance of leadership, the impact of joining a mastermind group, and the concept of extreme ownership. This episode is a must-listen for anyone seeking inspiration and practical advice on personal development and real estate investing.

Don't forget to subscribe to The Institute of Higher Earning podcast for more inspiring episodes with industry leaders and experts.

Join us for Episode 8 of The Institute of Higher Earning as we explore the land and development side of real estate with Malik Vaughn and Anthony Cedeno from Dallas based Renovate Holdings.

In this episode of the Institute of Higher Earning Podcast, hosts TJ Kosen and Nick Sicilian welcome Andrew Postell, a seasoned expert in lending and long-term real estate investing. Andrew shares valuable insights on various loan types, the impact of economic factors on mortgage rates, and strategies for successful real estate investment. He also discusses his personal journey from serving in the Marines to building a multimillion-dollar real estate portfolio. Whether you're a new investor or looking to expand your knowledge, this episode is packed with actionable advice and key takeaways for achieving financial independence through real estate.

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Elevate your real estate investment game with the ⁠#reiAF Mastermind!⁠ Join a community of ambitious investors where cutting-edge strategies, exclusive market insights, and personalized coaching converge to turbocharge your portfolio's growth. Whether you're looking to refine your investment approach, explore innovative opportunities, or expand your network with like-minded professionals, our mastermind is designed to propel you toward your goals. Don't miss the chance to transform your real estate journey. Book your consultation today and discover how the ⁠#reiAF Mastermind⁠ can redefine the landscape of your investment success. Your next level awaits – are you ready to step up? https://REIAF.com

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Timestamps and Chapters:

00:00:00 - Introduction and guest introduction

00:00:24 - Andrew Postell's background in lending and real estate investing

00:01:04 - Discussion on conventional loans and non-QM loans

00:03:22 - Impact of job reports and market conditions on mortgage rates

00:05:26 - Challenges in the commercial real estate sector

00:07:07 - Strategies for residential real estate investment

00:09:16 - Importance of living below one's means and financial planning

00:11:14 - Andrew's personal journey from the Marines to real estate

00:13:31 - Value of a primary residence as an investment

00:15:08 - Importance of education and continuous learning

00:17:25 - Growth and potential in the Texas real estate market

00:19:34 - Tips for new investors and importance of networking

00:21:01 - Discussion on the future of mortgage rates and market predictions

00:23:00 - Andrew's worst deal and lessons learned from it

00:25:11 - Importance of commitment and dedication in real estate investing

00:27:12 - Andrew's approach to real estate investing and his goals

00:29:14 - How to get started in real estate investing with limited funds

00:31:14 - Importance of finding off-market deals and having a clear strategy

00:33:28 - Discussion on the value of college education and its impact on success

00:35:42 - Importance of professionalism and communication skills in business

00:37:50 - Andrew's motivation and drive for continued growth in real estate

00:39:53 - Importance of taking responsibility for one's future and taking action

00:41:48 - Discussion on the potential impact of Federal Reserve rate changes on the market

00:43:22 - Closing remarks and how to connect with Andrew Postell

In this dynamic episode of The Institute of Higher Earning, hosted from Dallas, TX, we're joined, all the way from the People's Republic of Austin, Texas, by the always insightful Kelly Smith from Easy Street Capital. Kelly brings her extensive experience in real estate financing to the table, discussing the intricacies of loan consulting and hard money lending. She delves into the challenges and opportunities within the current real estate market, sharing her predictions for interest rates and market dynamics as we approach an election year.

Kelly offers a wealth of knowledge on various financing strategies for investors, including flips, new builds, double closers, transactional funding, and rental programs. She emphasizes the importance of smart investment practices, the value of maintaining good credit and capital, and the potential shifts in the real estate landscape due to political and economic influences.

Throughout the conversation, the hosts and Kelly explore the critical aspects of successful real estate investing, stressing the significance of buying right, understanding market cycles, and the benefits of having a focused and goal-oriented approach. Kelly's pragmatic and experienced-based insights provide listeners with actionable advice for navigating the complexities of real estate investment and financing.

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Elevate your real estate investment game with the #reiAF Mastermind! Join a community of ambitious investors where cutting-edge strategies, exclusive market insights, and personalized coaching converge to turbocharge your portfolio's growth. Whether you're looking to refine your investment approach, explore innovative opportunities, or expand your network with like-minded professionals, our mastermind is designed to propel you toward your goals. Don't miss the chance to transform your real estate journey. Book your consultation today and discover how the #reiAF Mastermind can redefine the landscape of your investment success. Your next level awaits – are you ready to step up?

Strap in for one of the most unconventional episodes of "The Institute of Higher Earning" podcast yet! We're taking you on a rollercoaster journey that zigzags from the daring world of fox hunting to the unexpected art of bathroom selfies, and lands right in the middle of savvy real estate strategies. Our special guest, John Jackson, isn't your average real estate guru – he's a day-trading maverick turned lease option wizard with a knack for hilarious anecdotes and a taste for adventure.

In this episode, we dive headfirst into the thrilling and often unpredictable realm of real estate investing, while also navigating the peculiar hobbies and personal lives of our hosts and guest. Expect tales of not quite foxes, questionable selfies in bathrooms, and some hardcore insights into lease options that could revolutionize your approach to property investment.

John Jackson spills the beans on his journey from the high-octane world of day trading to the strategic nuances of real estate. We also explore the power of mentorship in real estate, how to tailor strategies to meet seller needs, and the secret sauce to success in lease options.

But that's not all – our episode is peppered with side-splitting banter, personal confessions, and a conspiracy theory or two just for the heck of it. Whether you're here for the real estate wisdom or just in it for the laughs, this episode delivers on all fronts.

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Join our Mastermind Community : https://REIAF.com

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Connect with us on these Socials:

Instagram 📺:

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TikTok 🎵:

TSB - https://www.tiktok.com/@TheSicilianBrothers

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Websites👩‍💻:

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Donald Trump is being sued by New York Attorney General Letitia James for $370 million in fines and to bar Trump from the New York real estate industry. The case is based on the valuation of Mar A Lago, a golf resort in one of the most exclusive parts of south Florida. The Trump Organization values this property at almost a billion dollars. The State of NY is suggesting a much more modest number of $18 million.

In this episode we break down some of the peculiar things about this case, from the reasons for a New York State Attorney to bring a civil case against a former president for an investment property on the other side of the country to the outright refusal of the court to accept expert testimony on the valuation of a property like Mar A Lago.

Stay tuned all the way to the end where we will pull up some of our own beachfront property and see what kind of values we're working with.

If you need more of this type of top tier analysis and guidance for your business, visit REIAF.com and apply to join our exclusive Mastermind. We don't accept all applicants and please NO NEWBIES! You need to have done a deal or two already to get the most out of what we offer.

We have plenty of free events and resources to help you get your first deal if you are new, so join the community and follow us on all the socials: TJ Kosen, The Sicilian Brothers, REIAF Mastermind.

Links:

ZeroHedge Article: https://www.zerohedge.com/political/explaining-18-million-mar-lago-valuation-ny-trump-case-judge

Active Comp from Palm Beach Expert: https://listings.moensrealestate.com/idx/details/listing/a294/23-752/965-N-Ocean-Boulevard-Palm-Beach-FL-33480

Gleneagles: https://www.invitedclubs.com/clubs/gleneagles-country-club/host-an-event/tournaments-outings/signature-services

House off Gleneagles: https://www.realtor.com/realestateandhomes-detail/1708-Cliffview-Dr_Plano_TX_75093_M71166-06546?from=srp-map

Gleneagles Tax Value: https://www.collincad.org/propertysearch?prop=1767332&year=2023

Greg T. Shyne started getting into real estate about the same time TJ moved to Dallas. They met at an event and their no B.S. approach to real estate investing was very similar; however, almost a decade later, their teams could not look any different from each other.

The TNT Office has an 11 person team, a 4000 sqft office, and all the overhead that comes with it. Greg on the other hand gets it done with a 2 person team, his mom and him, and a handful of Virtual Assistants. As different as these teams are, they still approach sellers with an honest offer that, "Won't be your highest offer, but it will be your best offer," because they are trying to do more than just throw money at the seller. They are problem solvers and uncovering the true motivation behind selling. That's much more valuable than dumping cash on someone and leaving them to solve their own problem. That's a disservice to the seller.

Greg is also a loudmouth on FB, so TJ grills him on some of his more interesting posts from the past few months.

Remember to subscribe and leave a review if you found this episode insightful!

To join our mastermind community, visit www.REIAF.com or follow us on:

Youtube 📺:

TSB - https://www.youtube.com/@TheSicilianBrothers

TJ - https://www.youtube.com/@TJKosen

Instagram 📸:

Nick - https://www.instagram.com/nicksic/

Tony - https://www.instagram.com/tjsicilian/

TJ - https://www.instagram.com/tjkosen/

TikTok 🎵:

TSB - https://www.tiktok.com/@TheSicilianBrothers

TJ - https://www.tiktok.com/@thetjkosen

Dive into the world of strategic investments with the first episode of The Institute of Higher Earning. Join our host, TJ Kosen, founder of the REIAF Mastermind, as he leads a discussion with our savvy Disposition Manager, Donovan Jasso, and insightful Acquisitions Manager, Jessica Merhout, as they challenge the conventional (70-80%) ARV-Repairs model and its limitations in the current real estate market.

Jessica and Donovan have both been doing off market real estate transactions for a few years now, and they are a huge part of why our company is so successful. Our team focuses on the most critical aspect of direct to seller real estate investment: understanding and addressing the seller's actual needs during the transaction. We explore how tailoring acquisition strategies to the unique circumstances of each seller not only adds value to the transaction but significantly streamlines the disposition process.

Highlights of this episode include:

-A critical examination of the limitations of the 80%*ARV-Repairs model in today's market.

-Strategies for effectively uncovering and addressing sellers' real needs, moving beyond mere financial calculations.

-Insightful case studies that demonstrate how better acquisitions lead to easier dispositions.

-Techniques for fostering trust and rapport with sellers, leading to mutually beneficial deals. Join us for an episode that promises to refresh your approach to real estate investment, highlighting the importance of a well-executed acquisition strategy for effortless disposition. This is more than just a discussion; it's a guide to smarter, more efficient investing.

#reiAF