Didier Malagies is a leader in the Tampa Bay Mortgage industry, serving Pinellas, Pasco, Hillsborough counties, and beyond with his sights set on educating residential and commercial buyers regarding Florida purchases. With over 20 years of expertise, Didier has built relationships with realtors, bankers, and clients based on integrity and his drive to provide the best customer experience in the state by being there from beginning to end of every purchase. Whether you're looking to move, inv ...
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Peter Murphy and Chase Clark bring you The Buying Tampa Bay Podcast. Our aim is to equip you with the information you need to generate REAL wealth in Tampa Bay Real Estate. We bring real estate investing to life!
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For over 20 years, these two boys have been selling, buying, negotiating and always talking about sports sponsorships. It was time to let the public into their world. Brandon has been selling everything associated with the Tennessee Volunteers for 20 years, and Paul worked on the sales side for FSU and the Tampa Bay Buccaneers before opening up Knox Sports 24 years ago and now buys sponsorships for their 18 clients at schools and pro teams all over the US. Together, they will break down the ...
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Learn how to buy, sell, manage, and invest in rental properties in Tampa Bay, Florida with weekly Deep Dives and Quick Tips from host Jeff Copeland.
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Real Estate and Beyond. What is Real Estate? Not all markets are created equal. Gulf Coast to Space Coast talks to the leaders in the industry throughout Florida just as if we were sitting across a dinner table. OH! and our hosts and guests change with every episode just to keep you on your toes. We cover the Gulf Coast of Florida to the Atlantic Ocean, think Tampa, Clearwater, St. Petersburg, Orlando, Daytona Beach, Space Coast, Miami. We talk about investing, marketing, staging, and many m ...
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Welcome! 💗 I'm Melanie - Tampa Bay area Real Estate Agent with Smith & Associates. Join me to learn about the ins and outs of real estate, home ownership, and living in the Tampa Bay area in sunny Florida. Looking to buy/sell a house? I specialize in the Westchase, South Tampa, and Downtown Tampa areas with over 11 years of experience. matkinson@smithandassociates.com
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Welcome to Brad Jay’s Tampa Bay Real Estate Q&A podcast, where we talk about everything Tampa Bay.
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The Duncan Duo’s Tampa Bay Real Estate Market Video Blog for Buyers and Sellers. Learn about the Tampa Bay Market from the Best Tampa Real Estate Agents at RE/MAX.
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If you are looking to buy or sell a home, get all the information and the latest updates, tips, and tricks from The Donovan Home Sales Team - your professional Tampa Bay Real Estate Agents.
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Take a deep dive into various topics related to selling & buying real estate where we'll talk about the state of the market, market statistics, how to negotiate a contract, getting a home ready to sell, curb appeal, what to look for when buying a home, how to buy with a builder and what to expect, what’s in the economic news, real estate related weather, market trends and how it all relates to real estate.
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Cash Flow Guys | Real Estate Investing & Cashflow Ideas - Inspired by Robert Kiyosaki / Rich Dad Poor Dad
Tyler Sheff
Have you ever considered getting involved in Real Estate Investing? Learn to Earn passive income with the CashFlow Guys as we discuss what we have learned as real estate investors, entrepreneurs and former employees. We talk about the specific steps we took to build our passive income to exceed our expenses therefore being able to “escape the rat race” in real life and no longer need a traditional “job”. Our podcast covers a wide range of topics that all investors should learn including Self ...
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Welcome to Mix-One Essentials, your premier podcast network where the pulse of Florida's music and culture beats strongest. Based in the vibrant heart of Tampa Bay, Florida, we bring you a collection of shows that encapsulate the essence of the Sunshine State and its influence on the music industry and beyond. Our network is home to an eclectic mix of programs, including the insightful 'We Are Florida Podcast,' where we dive deep into the stories that shape our state; 'Beat Block,' the go-to ...
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Paying off your mortgage earlier can save you money on interest and give you financial freedom sooner. Here are some strategies to help you achieve this goal: 1. Make Extra Payments Biweekly Payments: Instead of making one monthly payment, make half of your mortgage payment every two weeks. This results in 26 half-payments or 13 full payments each …
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Whether to get flood insurance outside of a designated flood zone depends on various factors, including your location, property value, risk tolerance, and financial situation. Here are some points to consider: Flood Risk Outside of Flood Zones: Even if you're not in a high-risk flood zone, flooding can still occur due to factors like heavy rainfall…
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Crafting Beautiful and Sustainable Florida Landscapes with Diana Interlante
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Unlock the secrets to creating a stunning Florida landscape as we sit down with Diana Interlante from Interlante Landscape Design. With her extensive experience since 1985, Diana shares her top recommendations for grass types that thrive in Florida's climate, shedding light on why Seville, Bitter Blue, and Palmetto grasses are superior to the tradi…
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Navigating Hurricane Preparedness: Expert Tips from Pinellas County Emergency Director Kathy Perkins
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What does it take to stay safe during a hurricane in coastal Florida? Discover the invaluable insights from Kathy Perkins, Director of Pinellas County Emergency Management Services, who brings over three decades of experience, including her firsthand involvement in Hurricane Andrew. Kathy helps us navigate the unique challenges that each storm brin…
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Why is it that when you pull your credit scores it is usually not the same as when you have one pulled for a mortgage? Credit Karma is a great source but the scores are usually not spot on the value is that when you make payments or make changes the scores will change and a great tool to monitor the scores. Also, when you look at Discover or what y…
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The concepts of real estate portability and homestead are key aspects of property tax laws in some jurisdictions, notably in states like Florida. Here's an overview of each: Real Estate Portability Real estate portability, particularly in the context of Florida, refers to the ability of homeowners to transfer some or all of their accrued property t…
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The Evolution of Digital Assets in Sports
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Paul and Brandon discuss digital assets from their beginning, to now. They discuss best practices, top inventory pieces, how to get better results, and more!Knox Sports tarafından oluşturuldu
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I like to see what is available for you by getting your age and the approximate value of your home. Once we have that and go over what you may have available, we encourage you to get take the Gov't class which costs about $190. You have a 3rd party that goes over all the details of a Reverse Mortgage making sure you understand everything and it mak…
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After closing on a mortgage, many new homeowners notice a significant increase in the amount of unsolicited mail, often referred to as "junk mail." Here's why this happens and what you can expect: Why You Receive More Junk Mail Public Records: When you close on a mortgage, the transaction becomes a matter of public record. Companies that sell produ…
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How long has it been since you have lived in your home? what did you pay for it back then and what is the value today after all of the home appreciation? Maybe it is time to call your insurance agent and ensure you have replacement coverage. Our home has been our wealth over the years and I think it is important to make sure you are well covered. t…
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VA Mortgages have no monthly PMI, they have a funding fee that goes on top of the loan and it varies from a first-time VA buyer to a second-time user if there is a certain percentage of disability then no funding fee. With an FHA Mortgage, there is an upfront funding fee of 1.75% and a .55 factor for monthly PMI. Now for Conventional Mortgages, the…
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For Conventional loans, limits are now at $766,550 before entering Jumbo territory. You can buy a home for $806,842 putting 5% down and still be Conventional. Now for FHA the loan limit is $498,257. you can buy a home for $516,328 putting 3.5% down now A VA mortgage can go up to $2,000,000 with no money down. 100% financing up to $2,000,000 With th…
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ROI in your Sports Sponsorship Deals
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In this episode, Paul and Brandon discuss all things ROI in sports sponsorship deals. Topics include: What successful ROI in sports looks like What every client should ask for to receive ROI How will ROI change in the future and what is nextKnox Sports tarafından oluşturuldu
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A residential DSCR (Debt Service Coverage Ratio) loan is a type of mortgage typically used for investment properties, where the approval and terms of the loan are based on the property’s income rather than the borrower’s personal income. The DSCR is a measure of a property's ability to generate enough income to cover its debt obligations. Here's a …
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Needing only 1 year's return for the self-employed for the last 5 years for a Conventional Mortgage
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I learned a hard lesson on a loan last year, I had a borrower who was self-employed for the last 2 years but another company was self-employed for 3 years. I took that loan as a non-QM with a higher rate. The borrower had another broker run it and required only 1 year's return and he qualified which lost me the deal. He would not have qualified for…
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A deeper look into the future of NIL
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We are once again joined by Kat Jones as we discuss the latest in NIL. Jones even drops some information on MAJOR changes that will change the NIL landscape.Knox Sports tarafından oluşturuldu
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Mortgage brokers are intermediaries between borrowers and lenders, offering assistance in finding and securing mortgage loans. Here's what they typically provide: Access to Multiple Lenders: Mortgage brokers work with a variety of lenders, including banks, credit unions, and private lenders. This allows them to offer borrowers a range of options to…
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There are two main types of FHA 203(k) loans: Standard 203(k) Loan: This is for more extensive renovations and repairs, including structural changes and repairs that exceed $35,000. The loan amount is based on the projected value of the property after the renovations. Limited 203(k) Loan: This is for less extensive renovations and repairs, typicall…
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Maximizing Large Local Clients
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Brandon and Paul sit down to discuss the topic of maximizing large local clients. They discuss topics such as: Longevity How Geographic Location Matters & More!Knox Sports tarafından oluşturuldu
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1. Regular FHA where you can put down 3.5% have lower credit scores, higher income debt ratios 2. FHA203k - Mortgage you can do with an added feature of having Home improvements where you buy a home and get things done like a new roof, air conditioning, etc ., and have it all in one. 3. I am going to catch you on this one, did you know that Reverse…
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The Gov't is printing 1 trillion every 100 days, and the costs of everything are out of control. The time will come when they will be printing a trillion every 30 days. Credit cards, car loans, and student loans are at unprecedented levels is it time to refinance your home to save money and then do another refinance as a rate term when the pivot ha…
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Using Mascots in Sport Sponsorship Deals
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Paul and Brandon discuss the use of mascots in sports sponsorship deals. They dive into why this can be a fantastic move for your company without spending much money, how mascots and social media go hand-in-hand, and share some funny mascot stories. Listen now!Knox Sports tarafından oluşturuldu
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Depending on where you live there is an opportunity in certain areas that you can get $2,500 towards the closing costs. You also get a lower rate and monthly PMI. Programs open up to you where there is down payment assistance and also the 1% down program available. I am seeing more and more first-time home buyers coming out now and this is informat…
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Rates are moving up now and several factors could be contributing to it, the 1 trillion dollars that the gov't is printing every 100 days could be inflationary. so what I see happening is there will have to be an event that happens to drop rates like we experienced in 2020. We will be paying 1.6 trillion in interest expense annually starting at the…
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Selling in Pro Sports Part 2
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We're back on the mic for part 2 of our Selling in Pro sports, with Sarra Barnes from the Detroit Pistons! As we continue our conversation from our last episode, we dive deeper into: Rate Card and top inventory pieces Corporate gifts and client hospitality Managing and executing category exclusivity Best methods to getting your foot in the door for…
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Competitive Interest Rates: VA loans often offer competitive interest rates compared to conventional loans, making them an attractive option for eligible borrowers. Flexible Credit Requirements: VA loans typically have more flexible credit requirements compared to conventional loans, making them accessible to borrowers with less-than-perfect credit…
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With More homes going on the market, people losing jobs and the cost of everything going up, when a home comes on the market it may need a New Roof, A/c, floors, kitchen, and or bathroom. With an FHA 203k or a Conventional renovation loan, you can have that done when buying the home. An opportunity to include that in the mortgage so you do not have…
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S2 E1. The Real Estate Revolution. Understanding the Realtor's Commission Settlement and the Future Role of the Realtor
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Discover the seismic shifts about to transform every corner of the real estate world as we unpack the implications of the National Association of Realtors' commission settlement. The foundations of real estate transactions are quaking - from how buyer's agents are compensated to the undeniable surge of alternatives to the traditional Realtor in the…
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Selling in Pro Sports Part 1
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We're back and starting season six with a bang! 💥 In this two-part special, we are joined by the incredible Sarra Barnes, the Sr. Director of Corporate Partnerships at the Detroit Pistons! Sarra, Paul, and Brandon discuss everything from the importance of the atmosphere at games, keeping clients and staff in a field of high turnover, client relatio…
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Big Blanco Interview: Go Broke From Buying Chains? How He Got His Name, Performing for Bigga Rankin!
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Welcome to this engaging interview with Big Blanco, where we delve into the life and experiences of this talented artist. In this episode, Big Blanco shares his insights on the topic of going broke from buying chains and the financial challenges that can arise in the music industry. We also explore the intriguing story behind how Big Blanco got his…
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Maddie Icee Interview: Orlando's Party Starter, Working With Gunna, Charging For Club Spins & More
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DJ Maddie Icee is a rising star in the music industry, known for his skills as a DJ and his ability to get any party started. He has worked with some of the biggest names in the business, including Gunna, and he's quickly becoming one of the most in-demand DJs in the game. One of the things that sets DJ Maddie Icee apart from other DJs is his busin…
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Welcome to this exciting interview with DJBabyDrea, where we explore the life and experiences of this talented DJ. In this episode, DJBabyDrea shares insights into her journey as a DJ, including her experiences DJing for Bigga Rankin, a renowned figure in the music industry. We also delve into DJBabyDrea's radio show and her role in connecting arti…
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TwoGirlsInACorner Interview: Men Vs Women, College Lifestyle VS To Real Life & Bestfriend Podcast!
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1:12:13
In their engaging interview, the duo behind TwoGirlsInACorner, delved into a variety of topics, starting with the intriguing dynamics between men and women. They shared their insights and experiences, shedding light on the complexities of modern relationships and communication. Their candid discussion aimed to bridge understanding and foster a deep…
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You have Conventional Mortgages, FNMA/FHMC, FHA, VA, Reverse Mortgages, Bank Statement loans, DSCR, Reverse Mortgages, and 1099 mortgages. Depending on your particular situation, could be a choice based on credit scores, income, funds to close Buying a home using Bank statements to qualify for a mortgage Buying a home using a 1099 only to qualify f…
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What if you refinanced your lower-rate first mortgage into a higher rate but consolidated all of your debt into one low payment. Getting rid of credit cards, car loans, installment loans, and student loans. What would your savings be a month and how much would you save? Then if property values were ever to plummet and rates came crashing down. Just…
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Thank you and good night...Tyler Sheff tarafından oluşturuldu
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First-time homebuyers put down 1%, and the lender gives you 2% towards the down payment, no strings, and no liens. You have 3% down and now work on getting the seller to pay closing costs of up to 3%. Working on a loan right now where the purchase price is $238,000, the 1% down is $2,380 the lender is giving $4,760 and the seller is paying 6,000 of…
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430 - Time For a Pay Raise
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In this episode Mike and Tyler discuss the urgent need for investor to step up their earnings in order to remain ahead of inflationTyler Sheff tarafından oluşturuldu
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Bridge loan to acquire, renovate, and stabilize a multifamily investment property. When the rents are under the market and the units are outdated. This program allows you to acquire a property below market value and make cosmetic upgrades to increase rents. how about capitalizing the fit-up of retail/office investment property? We also have flip-fi…
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429 The Dangers of Coliving
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In this episode, Tyler discusses many of the dangers of coliving that most people are not talking about.Tyler Sheff tarafından oluşturuldu
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Do you not tell anyone that you have one? Are there others in similar situations Spouse and has passed on, only fixed income such as social security. Are food costs going up along with Medical? It is time to get a HECM - a line of credit to help you in your later years of life, Have your children be involved and everyone learn how a Reverse Mortgag…
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428 - The Dangers of Herd Mentality
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In this episode, Mike and Tyler discuss some recent events that Mike experienced at a local job fair.Tyler Sheff and Mike Marino tarafından oluşturuldu
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DSCR (Debt Service Coverage Ratio): DSCR is a financial ratio that measures a company's ability to meet its debt obligations. In the context of loans, it typically refers to the ratio of a property's net operating income to its debt obligations, including mortgage payments. A higher DSCR indicates a better ability to cover debt payments. Non-Qualif…
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427 - Hostel Cashflow with Jon Fritz
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In this episode, Mike Marino goes solo as host this week while he interviews Jon Fritz a serial entrpreneur who owns multiple small businesses in Mike's hometown of Salida, CoMike Marino tarafından oluşturuldu
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12-month business bank statement loans" typically refer to a type of loan program where a borrower's income is determined based on their business bank statements rather than traditional income documentation such as tax returns or pay stubs. This type of loan is often categorized as a Non-Qualified Mortgage (Non-QM) because it doesn't meet the crite…
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426 Low Hanging Fruit Can Spoil
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In this episode, Mike and Tyler discuss some of the pitfalls in low hanging fruit.Tyler Sheff tarafından oluşturuldu
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Why list a home when it is in probate? Anything can happen during probate, it is hard to lock in an interest rate and notify the landlord if you are a renter giving a 30-day notice. They never seem to work out on schedule which is why it makes it difficult for all parties. When you are told that it is almost done, like my present client who has bee…
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In this episode, Mike and Tyler discuss Mike's recent accident and how his backup plan made the situation far less painful than it could have been.Mike Marino and Tyler Sheff tarafından oluşturuldu
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Find out if you have a dog and what is the weight they accept. I just had a deal fall through due to the dog weighing 40 pounds and the weight allowed was 25 pounds. If they have an engineering report done review it. Are they going to charge an assessment? or association fees going up? You need to do your homework. If the budget has more than 10% r…
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If you are over 59 1/2 and have a retirement account, you can use monthly distributions to qualify for a mortgage. You must have 36 months of payments in order to use the income. If you need 500 a month and if you calculate out 36 months that is 18,000 in your retirement account and you have that or more then you can use that as income. It's a grea…
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