Are Credit Scores Actually Necessary for Real Estate Investing? Jordan Nutter at NFM Lending is back with Mary Jo Irmen for Part 2 - to break down investment lending.

They cover how to fix your credit scores before you buy, DSCR loan vs conventional for rentals, long-term vs short-term rentals, midterm / Furnished Finder rentals, second homes with 10% down, PMI removal, bankruptcy wait times, mobile homes, and how assuming a mortgage really works.

If you have collections, lates, high utilization, or you're 6 months out from buying, you need to book Jordan's FREE credit help call here: https://anutterhomeloan.com

Chapters 00:00 Preview: Free credit help from 3,000+ credit reports 00:39 Welcome back Jordan Nutter - Part 2: Investment lending 01:55 Bad credit score? Where to start 02:39 Late payments: 30, 60, 90, 120-day impact 03:22 Utilization: revolving vs installment debt 05:02 Please stop co-signing 05:34 Collections vs charge-offs 06:42 Pay-to-delete: negotiate BEFORE you pay 09:49 Call a lender first? Free credit help call 14:10 Warning: Why "stop paying" advice wrecks you 15:34 How long do lates hurt? 16:47 Bankruptcy: Chapter 7 vs Chapter 13 18:00 FHA 2 years + 1 day, Conventional 4 years 21:11 Due date vs statement date trap 24:35 3 ways to rebuild credit 31:16 Long-term vs short-term rental loans 33:34 Conventional vs DSCR loan explained 36:17 Why agent rental comps matter for DSCR 37:28 Midterm / Furnished Finder rentals 38:28 Second home strategy: 10% down 41:12 Rates today + what moves your rate 42:00 Mobile / manufactured home loan rules 43:28 PMI on investments 45:11 When PMI drops vs FHA for life 48:39 House-hack: 2-4 units with low down 52:56 Assuming loans + VA entitlement trap 59:47 Wrap + how to book Jordan

Audio Production by Podsworth Media - https://podsworth.com

Struggling with marketing that never seems to pay off? In Ep. 286 of the Without the Bank podcast, host Mary Jo Irmen sits down with her longtime marketing partner Mike Brevik of Cyberdogz Marketing to break down what actually grows a business.

From naming and logos to websites, AI, and content, Mike and MJ share 7+ years of lessons on building a brand that lasts — whether you're starting from scratch or fixing 20 years of messy marketing.

In this episode:

• Why you should never build your business on rented ground (social only) — and why your website is your hub
• The foundation of branding for small business : name, logo, colors, and style guide done right the first time
• Why traditional networking rarely works and what to do instead
• Marketing strategy as a long-term investment: think fitness plan, not lottery ticket
• The "Frankenstein Effect" that happens when branding is pieced together over years
• How to hire the right agency, what $7,500-$12,000 to start right really covers, and why you need to be uncomfortable with your budget
• AI, short-form video, YouTube, and why Gen X creators are hot for UGC right now
• Vanity metrics vs. sales: likes don't pay bills
• How to build a brand that evolves and levels up without starting over

Connect with Mike Brevik & Cyberdogz Marketing: https://www.cyberdogzmarketing.com

Buy the book: https://www.WithoutTheBank.com/Book Email Mary Jo: [email protected]

Chapters: 00:00 Why Networking Fails 00:34 Marketing Episode Kickoff 02:06 Mike Brevik Background 04:48 Big Clients Big Branding 05:59 Why Orange Works 06:44 Naming Your Business 13:53 Avoid Generic Logos 21:40 Logo Done Right 25:52 Style Guides Ownership 29:35 Define Ideal Customer 33:04 Ads Budget Strategy 33:42 Website Credibility Hub 41:41 Marketing Relationship Matters 43:52 Budgeting for a Strong Launch 46:50 Commitment Beats Quick ROI 51:20 Content Creation and Confidence 01:02:50 Fixing Brand Frankenstein 01:06:51 Own Your Digital Assets 01:14:51 Scaling with Creative and AI 01:18:12 Staying Involved Without Micromanaging 01:24:05 Keeping Up With Marketing Trends 01:25:13 Track TikTok Impact 01:26:19 Professionalism Signals Trust 01:27:25 Marketing Meetings That Matter 01:29:10 Do You Need A Team 01:32:16 Big Brands Still Outsource 01:35:05 Choosing The Right Agency 01:39:08 Specialists Beat Generalists 01:42:05 When To Hire An Agency 01:45:03 Consistency Over Myths 01:48:58 Podcasting Builds Credibility 01:56:07 Owner Brand Exit Strategy 02:01:52 Legacy Without Nostalgia 02:04:38 Trusting Next Gen Leaders 02:06:23 Winning Over Boards 02:11:25 YouTube Monetization Playbook 02:18:17 Personal Brand Storytelling 02:20:46 Brand Weakness Signals 02:26:31 Vanity Metrics vs Sales 02:31:40 Modernizing Old Businesses 02:33:31 Rebrand Without Backsliding 02:37:20 Where to Find Mike 02:37:54 Final Takeaways and Wrap

Is Airbnb DEAD? Not even close — but most investors are playing it completely wrong.

20-year real estate veteran Shawn Moore (Founder & CEO of Vodyssey - V-O-D-Y-S-S-E-Y) joins Mary Jo Irmen on Without The Bank to expose why gurus keep switching strategies, why the tax savings are TRAPPING investors, and why right now — with high prices, 7% rates, and low inventory — is actually the best time to buy if you understand underwriting.

Shawn started in fix & flips in 2000, survived the 2008 crash thanks to a single A-frame cabin in Bear Lake, Utah, went all-in on short-term rentals from 2012-2014, wrote his book in 2017-2019 (pre-COVID), and built Vodyssey into one of the largest short-term rental communities in the country.

Inside this episode:

🏠 Why every strategy CAN work — but none are get-rich-quick 📉 The 80/20 rule: Why 20% of hosts make 80% of the money (and how to join the 1% Club) 💸 The TAX TRAP: Depreciation recapture & why you should NEVER let "the tax tail wag the investment dog" 📊 Why a $10K course is cheaper than a $300K mistake (underwriting, AirDNA, Excel models) 📈 The REAL market: Record STR revenue (9-11% growth) vs. real estate headwinds — high prices, high rates, low inventory 💰 Warren Buffett's rule: "Be greedy when others are fearful" & the $7.9T sitting on the sidelines 🔮 Where short-term rentals go in the next 10 years — and why it will stay a mom & pop game ⭐ Why bad Airbnbs are getting EXPOSED by AI summaries & the trust recession

🔗 CONNECT WITH SHAWN: Website: https://www.vodyssey.com Podcast: Vacation Rental Revolution Podcast (2x per week) Book & Course: Vodyssey - 9-Step Blueprint (also inside the Empire Club Community)

🔗 CONNECT WITH MARY JO: Website: https://www.withoutthebank.com Email: [email protected] Listen to Without The Bank wherever you get podcasts

Chapters: 00:00 Guru Whiplash 00:41 Meet the Host 02:13 Sean's Real Estate Start 03:04 Crash to Cashflow 04:34 STRs Go Mainstream 05:47 From Investor to Educator 07:29 Book Before COVID 09:40 COVID Hype Cycle 13:30 Tax Perks Trap 17:10 Course Value Breakdown 20:00 Risk and 1% Edge 21:14 Intentional One Percent Playbook 21:41 Community Over Keyboard Warriors 22:28 Experience Beats Reinventing 23:49 Two Markets One Opportunity 24:38 Headwinds Prices Rates Inventory 25:21 Buy When Others Fear 28:15 Underwrite Patience Stack Assets 30:46 Ten Year STR Outlook 31:52 Why Institutions Struggle To Scale 33:44 Top Of Market Operations 35:13 Bad Airbnb Stories Trust Recession 38:13 AI Reviews Expose Mediocrity 40:06 Where To Find Vodyssey

Infinite banking "didn't click" the first time? You're not alone. In this episode Mary Jo breaks down the exact misconceptions that hold people back — and the one question that unlocks everything.

If you've met with us and walked away without starting a policy, this is for you. We cover the three things most people miss: uninterrupted compound interest (why you still earn on the FULL $20,000 even after you borrow $15,000), the "premiums forever" myth (your premium drops — and your dividends can pay it), and the difference between cash value and cash flow.

The lesson? Ask the question. The shortest distance to your answer is asking.

⚡ Chapters: 0:00 The Sales Question I'll Never Ask 0:42 Why Infinite Banking "Didn't Click" 2:12 Uninterrupted Compound Interest Explained 4:15 Do You Have to Pay Premiums Forever? 6:33 Cash Flow, Not Just Cash Value 9:03 The Questions You Should Be Asking 12:28 Come Prepared (Read the Books First) 14:17 Ask the Question, Get Your Answer 15:31 Book Your Appointment & Let's Chat

🔗 Resources: • Set up your appointment: https://withoutthebank.com • Email Mary Jo: [email protected] • Grab "Life Without the Bank" + Nelson Nash's "Becoming Your Own Banker"

📌 #InfiniteBanking #WholeLifeInsurance #CashValue #FinancialFreedom

Has your accountant "never heard of" infinite banking and your financial advisor calls whole life insurance a "scam"?

In this episode, Mary Jo Irmen pulls up the actual policy numbers and breaks down why they're wrong — and how structure changes everything.

⚠️ Warning: this episode comes with a dose of German passion. Mary Jo walks through the real numbers behind three policy structures — traditional whole life, 10-pay, and paid-up-at-65 — and shows exactly what a policy built for infinite banking does differently.

$20,000 in premium can mean $0 cash value in year one… or $14,000 of access in 10 days. The difference is the paid-up additions rider, and if your advisor can't explain that, you have a problem.

Mary Jo also breaks down why a 200-year-old, insurance-commissioner-approved product can't be "a scam" — and why you need to educate yourself before paying for advice from someone who hasn't done the reading.

Chapters 0:00 — Intro & the warning (German passion incoming) 0:45 — "My advisor said it's a scam" 1:32 — Traditional whole life: the real numbers 5:44 — How infinite banking policies are structured 7:04 — The 10-pay policy trap 8:51 — Paid up at 65 11:00 — Why it can't be a scam 11:35 — The crab in the box 13:15 — Your job: educate yourself 16:45 — Closing & book your appointment

📩 Questions? Ideas for the show? Reach out: [email protected] 📘 Grab the Life Without the Bank book and your BYOB book → http://www.withoutthebank.com 🎙️ Know someone Mary Jo should interview? Send it her way!

#infinitebankingconcept #wholelifeinsurance #lifeinsuranceeducation #generationalwealth

Audio Production by Podsworth Media - https://podsworth.com

In this episode, I'm breaking down Outwitting the Devil by Napoleon Hill — the book that changed how I see the world.

Hill wrote this in 1938, but it reads like it was written yesterday. His message? 95% of people are drifting through life, and the systems we trust — government, education, even media — are designed to keep us numb. In this review, I get into: 📖 The "drifter" mindset and how to spot it in yourself 🧠 Why focus is the single most powerful asset you have 📱 How modern technology and mainstream culture are literally training us to stay distracted 🎧 Why the audiobook version is a must-experience (two narrators — one as Napoleon Hill, one as the Devil)

I've listened to this book on every long drive I've taken, and I've already shared it with my daughter. If you're ready to stop drifting and start paying attention — this one's for you.

Audio Production by Podsworth Media - https://podsworth.com

Most buyers never see the new construction tax trap coming — until their mortgage jumps $800 overnight. Today we're breaking it all down with no fluff.

Mary Jo Irmen sits down with Jordan Nutter, VP of Creator Collective at NFM Lending, for a deep-dive on exactly what lenders don't volunteer — from hidden fees and escrow traps to what you absolutely cannot do with your Social Security number before closing.

Whether you're buying your first home or your fifth, this episode will change how you approach your next mortgage.

📌 EPISODE BREAKDOWN:

0:00 – Teaser: When a mortgage jumps $800/month 1:45 – Meet Jordan Nutter (VP, NFM Lending) 4:00 – First-Time Homebuyer 101: Is your rent already a mortgage? 7:00 – The new construction tax trap most lenders exploit 11:25 – Hidden lender fees: origination, discount points, what's real 15:00 – How to compare lenders (and pick BEFORE going under contract) 17:00 – Loan servicing & sold mortgages: what happens after you close 22:35 – The Rocket Mortgage & realtor kickback warning 28:15 – Escrow accounts: should you waive yours? 31:35 – What NOT to do before closing (the SSN rule that saves your loan) 38:43 – Jumbo loans explained 41:10 – ARM loans: when they save you and when they destroy you 45:17 – Assumable mortgages: the buyer's secret weapon right now 49:29 – How to reach Jordan + free consultation

🔗 FIND JORDAN NUTTER:

📱 Instagram, Facebook, YouTube & TikTok: @anotherhomeloan 💬 Free consultation (no charge for the call): schedule through her social profiles

📩 CONTACT MARY JO: [email protected]

🔔 New episodes drop weekly. Hit Subscribe so you never miss one.

#mortgage #firsttimehomebuyer #homebuying #withoutthebank #mortgagetips

Audio Production by Podsworth Media - https://podsworth.com

What should you do when a large sum of money suddenly comes your way?

In this episode of Without the Bank, Mary Jo Irmen explains pratical financial strategies and how to think through a lump sum from an inheritance, business sale, real estate transaction, oil or mineral income, death benefit, or other unexpected source of money.

Mary Jo compares different ways to structure and manage a lump sum, including IRAs, annuities, CDs, brokerage accounts, and properly designed life insurance. She discusses liquidity, taxes, market risk, required distributions, long-term care, future cash flow, and how your decisions may affect the money you leave to your heirs.

The central question is not simply, "Where should I put the money?" It is: "What is this money supposed to accomplish, and how can I structure it around my life, cash flow, and legacy goals?"

Mary Jo also shares examples involving oil income, inherited wealth, and a potential $17 million death benefit to illustrate why large sums require careful planning rather than an impulse purchase or a rushed investment decision.

Chapters 00:00 Don't Blow the Windfall 00:26 Welcome and Big Money Questions 00:52 What Counts as a Lump Sum 01:27 Small Windfalls and Premium Reality 03:17 Single Premium and Tax Tradeoffs 03:51 Oil Money and Irregular Income 05:29 Where to Park Extra Cash 11:05 Spending Traps and Lottery Lessons 12:47 Skepticism on High Return Promises 17:21 Why Life Insurance Wins Long Term 18:55 Long Term Care and Legacy Goals 21:18 Key Takeaways and Next Steps

📩 Questions? Ideas for the show? Reach out: [email protected] 📘 Grab the Life Without the Bank book and your BYOB book → http://www. withoutthebank.com 🎙️ Know someone Mary Jo should interview? Send it her way!

#inheritanceplanning #windfall #financialplanning #businesssuccess #lumpsum #investments #infinitebankingconcept

What happens to your business if your partner dies tomorrow — and you never had a plan?

In Episode 279, Mary Jo breaks down the two most overlooked protection tools every business owner and entrepreneur needs from day one: Buy-Sell Agreements and Key Man (Key Person) Insurance Policies.

Whether you're launching a new partnership, running a business with your spouse, or have a single key employee your company can't live without — this episode is your wake-up call.

In this episode, Mary Jo covers:

• Why choosing a business partner is essentially like a marriage (and why you need to treat it that way)
• What a Buy-Sell Agreement actually is — and why you need one before things go sideways
• How to use whole life insurance for partner buyouts using Infinite Banking
• Key Man insurance: what it is, who qualifies, and how it's valued
• Why your corporation should NOT own the policy (and the tax trap hiding inside)
• What happens to your business if a partner becomes uninsurable
• The "head in the sand" problem — why spouses must be financially aware
• Real-world example: how Mary Jo structured her own cattle partnership agreement using ChatGPT

📌 This episode also includes a personal update on the WTB team!

💡 If you're in a business partnership — or about to enter one — don't skip this episode.

📅 Schedule your appointment: [email protected]

#InfiniteBanking #BuySellAgreement #KeyManInsurance #BusinessPartnership #LifeInsurance #BusinessSuccessionPlanning #WealthBuilding #EntrepreneurFinance #WithoutTheBank #MaryJoIrmen

Chapters: 00:00 Life Insurance Red Flag 00:39 Podcast Updates 01:34 Why Partnerships Fail 04:25 Contracts Save Friendships 06:48 Marriage and Business Risks 08:25 Buy Sell Basics 09:56 Key Person Coverage 12:05 Who Should Own Policies 16:27 Family Must Stay Informed 19:10 Do It Before Trouble 21:56 Wrap Up and Next Steps

Most people read to check off a list. Mary Jo reads to implement — and The Noticer by Andy Andrews is one of the books that changed how she connects with clients, leads her team, and shows up in every relationship she has.

In this episode, Mary Jo breaks down The Noticer and why every business owner should read it. The core idea is simple but powerful: people show you exactly how they want to be treated — through what they do, what they give, and what they value. Are you paying attention?

In this episode:

• Why reading 52 books a year is worthless if you implement nothing
• How to apply love languages to your client relationships (and why it works)
• The art of noticing what your employees, clients, and family truly value
• Real-life examples: a baking friend, a Christmas party, and a broken septic pipe
• The book about difficult people that frustrated Mary Jo — and why she doesn't recommend it
• Why you're allowed to quit a book that's not serving you

Books mentioned: The Noticer — Andy Andrews The Noticer Returns — Andy Andrews The Traveler's Gift — Andy Andrews

📩 Questions? Ideas for the show? Reach out: [email protected] 📘 Grab the Life Without the Bank book and your BYOB book → http://www.withoutthebank.com 🎙️ Know someone Mary Jo should interview? Send it her way!

Chapters: 00:00 Read to Apply 00:41 Podcast Intro 01:16 Why I Review Books 02:08 Why The Noticer Rocks 03:18 Notice People Better 04:26 Gifts and Gratitude 06:49 Business and Employees 10:23 Respect in Marriage 11:51 Matching Client Style 14:10 Bad Books and Quitting 16:48 Reading Without Racing 17:55 Wrap Up and Requests