Assumable loans are one of the most powerful tools in real estate 2025—and most agents and buyers still don’t know how to use them. In this episode, Esteban breaks down how assumable loans work, how they give buyers access to 3% rates, and how agents can use them to move listings in a high-interest market.

Whether you're navigating a va loan assumption, researching the fha loan assumption process, or just trying to figure out how to assume a mortgage, this video lays out the full strategy step-by-step. You’ll also hear how to cover equity gaps with creative financing and how to educate sellers on positioning their loan as leverage.

If you're a buyer or agent who:
- Wants to learn the va assumable loan process
- Is helping sellers with listings stuck at high rates
- Is searching for how to find assumable loans in 2025
- Needs to understand how to use assumable loans to sell your home

Then this conversation is your tactical playbook.

No fluff. Just smart positioning and the truth about what’s working in real estate 2025.

Success strategies for professionals aren’t always about hustle — sometimes, it’s about clarity. In this episode, we break down what it truly takes to reach your goals and follow through on your vision.

I sit down with Debbi DiMaggio to explore the mindset, structure, and belief systems behind her personal development framework, DBISA — a method designed to help people not just dream big, but actually get it done.

If you’ve ever felt stuck, lost momentum, or found yourself starting over again and again… this conversation is for you. It’s not motivational fluff — it’s a look at real, applicable tools and goal accomplishment strategies that professionals can start using today.

In this episode:
✅ Why most people don’t follow through on their goals
✅ How to internalize belief before you take action
✅ The blueprint behind Debbi’s DBISA method
✅ The difference between intention and execution
✅ Strategies for professional success that go beyond checklists

Debbi DiMaggio’s DBISA method has helped entrepreneurs, creatives, and leaders align their vision with action. Learn how to apply it to your own path — whether you’re in real estate or building something of your own.

Most investors don’t realize that they don’t have to depend on stocks or traditional real estate investing to build wealth. The wealthy know how to use self-directed IRAs to fund real estate deals, lend like a bank, and generate passive income, completely tax-free.

If you’ve ever wanted to:
✔️ Take control of your retirement money instead of relying on the market
✔️ Lend money like a bank and collect interest, instead of just paying it
✔️ Turn your savings into passive income, instead of waiting decades to cash out

Then you need to know this strategy.

In this episode, you’ll learn:
- How investors use self-directed IRAs to fund real estate deals (without touching their own money)
- Why banks don’t want investors to know about this strategy (It gives YOU control instead of them)
- How to structure real estate loans to minimize risk & maximize returns
- The difference between secured and unsecured real estate loans
- Why most investors never learn this and what it’s costing them in lost income

For years, investors have been stuck in traditional thinking—relying on market-based retirement accounts, hoping for long-term returns, and missing out on the real power of self-directed investing.

The top 1% of investors aren’t playing by the same rules as everyone else—they’ve found ways to use their retirement accounts to create real, predictable income.

If you’ve been wondering how to scale your investments beyond buying properties, this is the strategy you need to know.

Ready to uncover the secret driving EXP’s brokerage revolution? In this episode of the Morales Group Show, we sit down with longtime Ventura County broker, Jorge De Leon, to discuss how EXP is reshaping the real estate landscape for agents everywhere. If you’re stuck in a traditional brokerage model and wondering whether there’s a better way to earn residual income, build true agent support, and embrace a modern real estate approach, this conversation is for you.

Here’s what you’ll learn:
➡️ Why Jorge, with decades of experience managing large offices and working in escrow, chose to join EXP over opening his own mom-and-pop brokerage.
➡️ How Ventura County roots and hands-on industry insights led him to question outdated systems and search for a next-generation solution.
➡️ The specific ways EXP supports agents through collaboration, lower overhead, and a structure designed to help you build wealth beyond traditional commission splits.
➡️ Tips for asking the right questions and overcoming doubts when switching from a traditional model to a modern brokerage.

If you’re curious about EXP vs. traditional offices, eager to transform your career, or simply want to see how top agents are thriving in a changing market, this episode will give you a fresh perspective. Don’t forget to like, comment, and subscribe for more insights on innovative real estate strategies. Let us know your thoughts below—join the conversation about the future of brokerage!

Are you ready to rethink retirement investing? In this video, we dive into unconventional IRA strategies that break the mold of traditional asset classes. Instead of sticking with stocks and bonds, discover how you can use your retirement account to tap into creative, alternative investments that most people never even consider.

We explore real-world examples that prove opportunity is everywhere: 
• A traveling salesman turned a no-cell-service area into a revenue-generating asset by having his IRA purchase land and build a cell tower.
• Investors are putting money into high-stakes opportunities like racehorse stud services, where cash flow comes from breeding fees.
• The video also sheds light on livestock investments—think bull semen for in vitro breeding—and even innovative timber options, where investors secure contracts on valuable trees.

Learn how your IRA can serve two distinct roles – either as an owner or a loaner – and why structuring these unique investments correctly is key to unlocking their potential. We break down the process, discuss the creative ways to monetize assets within your retirement account, and offer insights that challenge conventional investing wisdom.

If you’re looking to diversify your portfolio and explore alternative investments for long-term retirement growth, this video is your essential guide. Watch now to uncover creative IRA strategies that could reshape your financial future.

Are you confident that your property subdivision is fully legal? In this video, we break down the critical legal process every property owner must follow when subdividing their lot. Discover why many subdivisions that seem correct on the surface can turn out to be illegal, and learn how to avoid costly pitfalls.

In this guide, we cover: 
• The key differences between simply subdividing a lot and legally validating it. 
• Common mistakes property owners make during the subdivision process. 
• The legal requirements and government approvals needed to protect your investment. 
• Practical tips to ensure your lot is legally recognized, including reading legal descriptions, understanding zoning rules, and obtaining proper permits.

We’re not just discussing theory—this video dives into real-world examples and offers expert advice on how to secure your property and avoid hidden risks. Whether you’re a first-time homeowner or an experienced real estate investor, this content will help you make informed decisions that save you time, money, and legal headaches down the road.

If you’ve ever wondered if your subdivision was done right, or if you’re planning a new project, this video is your essential resource for staying compliant. Watch now to gain the clarity you need and protect your investment.

In this episode, we dive deep into the pros and cons of self-directed IRAs to help you determine if it’s the right choice for your retirement planning. Self-directed IRAs offer more control and flexibility, allowing you to invest in alternative assets like real estate, crypto, and private equity, but they also come with risks you should understand.

We’ll explore how self-directed IRAs work, the hidden fees you might face, and the differences between a traditional IRA and a self-directed retirement account. If you’ve ever wondered whether you should get a self-directed IRA, this episode will give you all the answers you need, including key benefits, potential risks, and investment strategies.

My guest today, Edwin Kelly, a leading expert on self-directed retirement accounts, joins me to break down real-world examples of investing with a self-directed IRA. Learn how to minimize fees, reduce risk, and make smarter investment decisions that could impact your financial future.

By the end of this episode, you’ll have a clear understanding of how self-directed IRAs can help you grow your wealth while providing greater control over your retirement strategy. Make sure to watch to the end and subscribe for more retirement investing strategies and wealth-building tips.

In today’s episode, we’re breaking down exactly what you can invest in using a self-directed IRA. If you’ve ever wondered how to move beyond traditional retirement investments like stocks, bonds, and mutual funds, this is the episode for you. We’re talking about real estate investing, loans, syndications, crypto, private equity, and even unique assets like vending machines, cell towers, and bull semen (yes, really).

Joining me today is Edwin Kelly, CEO of Specialized Trust Company. Edwin is one of the top experts in self-directed retirement accounts, and he’s here to share how these accounts work, the rules you need to know, and how they can help you reduce hidden fees while gaining control of your investments. We’ll also cover what’s prohibited, how to avoid costly mistakes, and how to maximize the tax benefits of alternative investing.

By the end of this video, you’ll have a clear understanding of what’s possible with a self-directed IRA and how you can use it to grow wealth with more transparency and flexibility.

Topics Covered 👇🏼
- What you can invest in with a self-directed IRA
- Real estate investing, including rental properties and loans
- The truth about hidden fees in mutual funds
- Crypto and precious metals investing rules
- Syndications, startups, and other high-reward opportunities

If you’re ready to take full control of your retirement investments, make sure to watch till the end! Be sure to like this video and subscribe for more tips on investing and real estate!

Thinking about selling your home but not sure how to get the most out of it? In this episode, I sit down with Joey Ramos from Zoom Casa to break down exactly how the Zoom Casa Cash Offer and Forward Program work to help you sell your home fast in California while maximizing your profits.

Joey explains how Zoom Casa provides homeowners with a competitive cash offer for their homes and the flexibility to make value-boosting home renovations before selling. You’ll learn how this unique program allows you to buy your next home before selling your current one, how the cash offer is structured, and how the Zoom Casa Forward Program eliminates the hassle of showings and staging while still getting you top dollar.

We cover how this compares to a traditional home sale, how to unlock your equity, and how to sell your house quickly without sacrificing value. Whether you’re a homeowner looking for a fast home sale or a real estate agent wanting to offer clients more options, this episode covers everything you need to know.

If you’ve been wondering how to navigate today’s market and want to know the best way to sell your house without a realtor or through a real estate cash buyer program, this is for you.

Watch now to see how Zoom Casa can help you sell smarter and move forward with confidence.

Don’t forget to like, subscribe, and share if you found this helpful!

If you are interested in working with Joey, reach out below:
WEBSITE ▶️ https://zoomcasa.com/
PHONE ▶️ 213-340-3286
EMAIL ▶️ [email protected]

Are you paying too much in property taxes in California? In this episode, we dive into how to contest property taxes in California and uncover strategies to lower property taxes in California effectively.

Understanding the property tax appeal process in California can save you thousands of dollars. Here’s what you’ll learn:

➡️ How Prop 13 impacts property taxes and your rights as a property owner.
➡️ Proven strategies for a property tax reduction in California, including appealing assessments.
➡️ The step-by-step process for contesting your property taxes, whether for residential or commercial properties.
➡️ Special circumstances like property vacancies, major repairs, and energy-efficient upgrades that may qualify for tax reductions.

Get actionable tips, understand the rules, and learn how to save on property taxes with expert advice. This episode will go over everything you need to know about lowering your property taxes in California!

Don’t let high taxes eat away at your savings. Watch now to take control of your property taxes and make informed decisions.