In this episode, Ryan Richards welcomes Andrew Freed, a real estate investor and team leader at Candor Realty, who has successfully acquired over 175 doors in multi-family properties so far this year alone. Andrew’s journey began in the corporate world, where he worked his way up as a project manager. But after reading Rich Dad Poor Dad, he realized that true financial freedom couldn’t be found in the 9-to-5 grind. Instead, he shifted his focus toward real estate syndication with a goal to achieve financial independence within a decade.

Andrew shares his story of transitioning from the W2 lifestyle to becoming a full-time investor, offering practical insights on building a multi-family portfolio and the power of syndication in real estate investing. Whether you’re looking to scale your investments or considering a career shift toward real estate, Andrew’s story is both motivating and packed with actionable strategies.

In this episode, Ryan and Andrew discuss:

• Andrew’s shift from corporate project manager to full-time real estate investor
• How he acquired over 175 doors in a single year through multi-family investing
• The basics of syndication and how it can be a game-changer for investors
• Key lessons learned along the way, from scaling quickly to managing a large portfolio
• Tips for those looking to break free from the corporate world and achieve financial freedom

If you’re interested in scaling your real estate portfolio through syndication or making a career shift toward financial independence, this episode is full of inspiration and valuable advice from Andrew’s journey.

GUEST
Andrew Freed | Team Leader, Agent, Investor | Candor Realty
LinkedIn | https://www.linkedin.com/in/andrew-freed-msm/
Instagram | https://www.instagram.com/investorfreed/
Website | https://www.candorealty.com/agents/Andrew_Freed/8560858

Interested in connecting?

HOST
Ryan Richards | Branch Manager, Northpoint Mortgage | NMLS 1987735
[email protected] | www.financewithteamrichards.com
204 Turnpike Rd, Westborough, MA 01581
Licensed in MA, CT, FL, NC, NH, PA, RI
Follow us on Instagram @financewithteamrichards

In this episode, Ryan Richards sits down with Zachary Gray, a multi-state real estate investor and entrepreneur, to discuss his incredible journey from growing up on food stamps to owning and managing 312 units across Massachusetts, Rhode Island, and South Carolina. As an ex-military member and owner of Gray’s Anatomy Academy, Zack has built a thriving business and achieved financial independence through real estate in less than 3 years.

Zack’s story is one of perseverance, grit, and leveraging his financial knowledge to create a successful real estate portfolio. With experience in asset management, syndication, and project management, Zack shares the lessons he’s learned along the way and how he's applied his unique mindset to grow his business. Whether you're just starting out or looking to scale your real estate investments, this episode is packed with insights from someone who has overcome the odds.

In this episode, Ryan and Zack discuss:

• Zack’s inspiring story, from food stamps to financial independence
• The key lessons he learned while growing his real estate portfolio to over 300 units

If you’re interested in real estate investing or looking for motivation to start or grow your own portfolio, Zack’s journey and practical advice will inspire and inform you.

Interested in connecting?

GUEST
Zachary Gray | Real Estate Investor & Entrepreneur
Instagram: @the1099mindset
Company: Freedom Management LLC | Newsletter Signup

Interested in connecting?

HOST
Ryan Richards | Branch Manager, Northpoint Mortgage | NMLS 1987735
[email protected] | www.financewithteamrichards.com
204 Turnpike Rd, Westborough, MA 01581
Licensed in MA, CT, FL, NC, NH, PA, RI
Follow us on Instagram @financewithteamrichards

Hindsight is 20/20. When you're just starting out in real estate—whether as a homebuyer, investor, or new professional—there are plenty of things you learn the hard way. In today's solo episode, Ryan shares the key lessons he wishes he had known from the beginning. He breaks down what you need to know to navigate the mortgage process, avoid common mistakes, and set yourself up for success.

In this episode, Ryan covers:

• The most important lessons from his career in real estate and mortgage lending
• Advice for those looking to get into real estate or real estate investing
• Common mistakes first-time buyers and new investors make—and how to avoid them
• Practical steps and resources to set yourself up for success

Whether you're buying your first home or diving into real estate investing, this episode is packed with actionable advice to help you succeed from day one.

Interested in connecting?

HOST
Ryan Richards | Branch Manager, Northpoint Mortgage | NMLS 1987735
[email protected] | www.financewithteamrichards.com
204 Turnpike Rd, Westborough, MA 01581
Licensed in MA, CT, FL, NC, NH, PA, RI
Follow us on Instagram @financewithteamrichards

Buying your first home can feel overwhelming, especially when you're faced with countless options, confusing jargon, and conflicting advice. Understanding the mortgage process, knowing what programs are available, and setting yourself up for success are all critical steps that can make your home-buying journey much smoother. In this solo episode, Ryan Richards, Branch Manager at Northpoint Mortgage, breaks down everything you need to know to confidently start the process of buying your first home.

Ryan leverages his extensive experience in the mortgage industry to debunk common myths and misconceptions about home-buying programs and financing options. He provides a step-by-step guide to navigating the mortgage process, helping you understand how different factors influence your mortgage over time and what you need to do to position yourself as a strong buyer.

In this episode, Ryan covers:

• A comprehensive overview of the home-buying process and how to get started with your mortgage application
• Debunking common misconceptions and misinformation about home-buying programs and choosing the right one for you
• Key steps to take to financially prepare yourself and improve your standing as a potential buyer
• The various components of your mortgage, how they are calculated, and how they can change over time

If you're considering buying your first home or just want to understand more about the mortgage process, this episode is packed with essential information to help you make well-informed decisions and achieve your homeownership goals.

Interested in connecting?

HOST
Ryan Richards | Branch Manager, Northpoint Mortgage | NMLS 1987735
[email protected] | www.financewithteamrichards.com
204 Turnpike Rd, Westborough, MA 01581
Licensed in MA, CT, FL, NC, NH, PA, RI
Follow us on Instagram @financewithteamrichards

In this episode, we dive deep into the art of creative financing, particularly "subject-to" (Subto) deals, with Tony Eisenhower—a seasoned real estate investor and entrepreneur who has mastered fix-and-flips and innovative financing methods.

Tony Eisenhower started with a single fix-and-flip project and has since scaled up to managing three simultaneous projects and overseeing eight rental units. His approach to seller financing and Subto deals has enabled him to creatively fund his investments and build a sustainable real estate business. Tony’s insights into the challenges and opportunities of these unique financing strategies are invaluable for both new and experienced investors looking to expand their portfolios.

In this episode, Tony and I discuss:

• His journey from handling his first fix-and-flip to managing multiple projects and rental properties
• A deep dive into seller financing and Subto deals: what they are, how they work, and potential challenges
• How to creatively finance deals, overcome seller objections, and structure win-win agreements
• The do's and don'ts of approaching sellers for financing and maximizing opportunities in today's market

Whether you're looking to start your first fix-and-flip, grow your rental portfolio, or explore creative financing methods like Subto deals, this episode is packed with practical advice and strategies from Tony's extensive experience.

Interested in connecting?

GUEST
Tony Eisenhower | Real Estate Investor & Entrepreneur
Instagram: @tonytoaster_
Email: [email protected]

Interested in connecting?

HOST
Ryan Richards | Branch Manager, Northpoint Mortgage | NMLS 1987735
[email protected] | www.financewithteamrichards.com
204 Turnpike Rd, Westborough, MA 01581
Licensed in MA, CT, FL, NC, NH, PA, RI
Follow us on Instagram @financewithteamrichards

Buying your first home or stepping into real estate investing can be daunting, especially when you're not sure where to start. However, with the right guidance and a clear plan, you can navigate the complexities of the market with confidence. Education and personalized advice are key to making informed decisions that align with your goals.

Gabby Demac, a dedicated realtor with the Jim Black Group (Brokered by Real), brings a unique blend of expertise and passion to her clients. After transitioning from a career in biomedical engineering to real estate at just 26, Gabby has leveraged her analytical skills and attention to detail to help first-time homebuyers and investors alike. As a lifelong resident of Shrewsbury, MA, and an active real estate investor, Gabby offers valuable insights into both the local market and the broader real estate landscape.

In this episode, Gabby and I discuss:

• Her journey to becoming a successful real estate agent and investor
• How she expanded her real estate portfolio from a single house hack to five properties
• Practical advice for first-time buyers and aspiring investors
• An analysis of current market trends and how they impact today's buyers and sellers

Whether you're looking to buy your first home, expand your investment portfolio, or sell your current property, Gabby is here to share her knowledge and experience to help you achieve your real estate goals.

Interested in connecting?

GUEST
Gabby Demac | Realtor, Jim Black Group (Brokered by Real)
[email protected]  | www.jimblacksellshomes.com/agents/gabby-demac/

Interested in connecting?

HOST
Ryan Richards | Branch Manager, Northpoint Mortgage | NMLS 1987735
[email protected] | www.financewithteamrichards.com
204 Turnpike Rd, Westborough, MA 01581
Licensed in MA, CT, FL, NC, NH, PA, RI
Follow us on Instagram @financewithteamrichards

Buying or selling your first house is intimidating, and many people don’t know where to begin or how to approach it so they never start. However, with the right team around you, the focus gets put on laying out a concrete plan tailored to your individual needs. Education becomes a critical part of feeling confident in the decision to buy or sell your first home.

As a top 2% agent in RI, Brooke Buckett (Compass) prides herself on being a trusted advisor for her clients with a heavy focus on education. She empowers her clients to feel confident in their decisions by taking the time to listen to their needs and curate a plan for them to achieve their goals. Whether you are buying your first house, selling, or looking to get into real estate investing, Brooke is the perfect RI expert to help you get to the finish line.

Brooke and I discuss:

• How did she get into real estate?
• Where do you start as a first time buyer/seller?
• What steps do you need to take to make sure you are successful?
• What makes a good real estate agent?
• How is she helping first time buyers win in today's market?
• What programs/strategies are available to first time buyers to make buying more affordable?
• Why are people moving to RI?
• How to win in today’s market?
• What are her top 3 restaurant recommendations in RI? (you need to check these out!)

Interested in connecting?

GUEST
Brooke Buckett | Buyers Agent / Listing Agent | Compass
[email protected] | compass.com/agents/brooke-buckett/

Interested in connecting?

HOST
Ryan Richards | Branch Manager, Northpoint Mortgage | NMLS 1987735
[email protected] | www.financewithteamrichards.com
204 Turnpike Rd, Westborough, MA 01581
Licensed in MA, CT, FL, NC, NH, PA, RI
Follow us on Instagram @financewithteamrichards

Commercial real estate has long been a mystified topic in the world of real estate investing. There are many different avenues to pursue, and many get lost researching and never take the first step. Waiting for the “right time” may never come. Surrounding yourself with the right team and taking consistent action are the keys to unlocking your real estate investing journey.

These are the exact principles that Ben Carbone and I discuss as we walk through his journey from entrepreneur to Vice President of Commercial Real Estate at Byrnes Real Estate Group and now owner/operator of an over $5 million real estate portfolio encompassing 36 units at 26 years old. Ben is a top producing agent in New England who specializes in the multifamily, from your first 3 family to 100+ unit acquisitions, he and his team have you covered.

Ben and I discuss:

How did he rapidly scale his portfolio?

How do investors think? The mindset behind real estate investing.

How can newer investors follow in his footsteps?

Where to begin as an aspiring investor?

The importance of identifying your buy criteria.

What is commercial real estate and how does it differ from residential?

How are his clients making deals work? What are they buying?

Pros and cons of investing in commercial multifamily.

How to find good deals in today’s market?

How are people funding these deals?

What makes him and his team different?

Closing topic: What 3 books have had the most impact on his success and business?

Interested in connecting?

GUEST
Ben Carbone | VP, Commercial Real Estate | Byrnes Real Estate Group
[email protected] | byrnesrealestategroup.com


HOST 
Ryan Richards | Branch Manager, Northpoint Mortgage | NMLS 1987735
[email protected] | www.financewithteamrichards.com
204 Turnpike Rd, Westborough, MA 01581
Licensed in MA, CT, FL, NC, NH, PA, RI

Interested in connecting?

HOST
Ryan Richards | Branch Manager, Northpoint Mortgage | NMLS 1987735
[email protected] | www.financewithteamrichards.com
204 Turnpike Rd, Westborough, MA 01581
Licensed in MA, CT, FL, NC, NH, PA, RI
Follow us on Instagram @financewithteamrichards

Attorney Josh Cali and I breakdown; What is a trust? What is an LLC? What does it mean to hold a property in trust vs LLC? What are the differences between a trust and an LLC for liability protection? Should you put your investment property in a trust or an LLC? How do you properly transfer a property into LLC or trust? How do you properly run an LLC to prevent the entity from being pierced in a lawsuit? What is title insurance? Why should you buy owner's title insurance? What are some common title claims to be aware of? What is the real estate attorney's role is in a purchase transaction? What are some common problems faced in the purchase or sale of real estate? Why should you use a real estate attorney? What is estate planning? Why should you have an estate plan? When should you start to think about estate planning? What is probate? What does the probate process look like? And much more!

HOST:
Ryan Richards - Residential Mortgage Loan Officer - NMLS#1987735 - Northpoint Mortgage NMLS#1515 - Licensed in CT, FL, MA, ME, NH, RI

Email: [email protected]

Instagram: https://www.instagram.com/financewithteamrichards/
Website: https://www.trynorthpoint.com/team/team-richards
TikTok: https://www.tiktok.com/@rateswithryan

GUEST:
Joshua Cali - Real Estate and Estate Planning Attorney
Cali Law - Owner - Ashland MA

Website: https://www.mycalilaw.com
Email: [email protected]

Interested in connecting?

HOST
Ryan Richards | Branch Manager, Northpoint Mortgage | NMLS 1987735
[email protected] | www.financewithteamrichards.com
204 Turnpike Rd, Westborough, MA 01581
Licensed in MA, CT, FL, NC, NH, PA, RI
Follow us on Instagram @financewithteamrichards

Steve and I discuss the current real estate market in Massachusetts. Steve is a real estate agent with Lamacchia Realty who serves the Worcester County and Greater Boston areas. I am a residential mortgage loan officer with Northpoint Mortgage who serves all of New England . We discuss the most commonly asked questions regarding the current conditions in the real estate market; Is now a good time to buy? What is different in the market now vs 6 months ago? What impact are rising interest rates having on the market?  How do you make homeownership more affordable? Is the housing market going to crash? What does a housing correction mean for new buyers? Is now a good time to sell? Why is it so important to price your house right in today's market? How to best prepare to buy a house? How to set yourself up in the best possible position to buy? Why using a real estate team is so important? Are home prices coming down? What are the benefits of house hacking? And much more!!

HOST:
Ryan Richards - Residential Mortgage Loan Officer - NMLS#1987735 - Northpoint Mortgage NMLS#1515 - Licensed in CT, FL, MA, ME, NH, RI

Instagram: https://www.instagram.com/financewithteamrichards/
Website: https://www.trynorthpoint.com/team/team-richards
TikTok: https://www.tiktok.com/@rateswithryan

GUEST:
Steve Pizzarella - Real Estate Agent - Lamacchia Realty - Worcester County and Greater Boston, MA

Instagram: https://www.instagram.com/pizzarellaproperties/?hl=en
Website: https://www.lamacchiarealty.com/team_members/steven-pizzarella/

Interested in connecting?

HOST
Ryan Richards | Branch Manager, Northpoint Mortgage | NMLS 1987735
[email protected] | www.financewithteamrichards.com
204 Turnpike Rd, Westborough, MA 01581
Licensed in MA, CT, FL, NC, NH, PA, RI
Follow us on Instagram @financewithteamrichards