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Two real estate agents and a lender talk about real estate in Utah. It‘s a homegrown real estate podcast for buyers, sellers, investors, and agents.
Episodes
Thursday Jun 22, 2023
Thursday Jun 22, 2023
This episode can be watched on Youtube.com https://youtu.be/JpR_m72OcEI
What is an Accessory Dwelling Unit (ADU), and what good is it? We speak with Tysen Webb, VP of Marketing and Sales at R5 Homes.
0:00 - Introduction. What's an A.D.U.?
3:40 - Every municipality has rules, and what income can lenders use? Spoiler: R5 ADUs are compliant!
5:41 - How do purpose-built ADUs address the affordability crisis in Utah?
10:59 - Using an ADU to boost your buying power.
17:44 - Why you should buy at the top of your buying power. Also, a quick life hack to tell if you can *really* afford that payment. A fun story about why raising rent on your kids is the merciful option.
24:45 - Getting into a house (not just a condo or a townhome).
26:37 - What did we learn today?
29:04 - Out Takes
* No municipalities were harmed in the making of this video.
Special thanks to Tysen Webb of R5 Homes:
R5 Homes VP of Marketing and Sales
Tysen@R5Homes.net
801-289-6491
Mansell Real Estate
Please contact us to tell us you love us, you want to hire us! Call or text:
Realtors with Hive Collective at Presidio Real Estate:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Presidio's Tyler Cazier and "Mr. Suit" Aric Wiszt.
Jason Christiansen - Mortgage 240472 Tyler Cazier Real Estate Aric Wiszt - Your Realtor friend Realtypath
Wednesday May 24, 2023
Wednesday May 24, 2023
Friday May 05, 2023
Friday May 05, 2023
You can watch this episode on Youtube.com: https://youtu.be/Rw1Xy8cyTB0.
If you're waiting for rates to go down before you buy a house, you might be in for a rough ride! Even if you time the market just right and get some amazing rate, you're going to LOSE money because you lose inflation.
Tuesday Mar 28, 2023
Tuesday Mar 28, 2023
You can watch this episode on YouTube.com: https://youtu.be/tH_cAP8vfzo
With all the changes in the market place, are you ready to use your buyer power? Sellers, are you ready to work with buyers?
0:00 - Introduction
2:20 - Sellers will work with you
3:54 - Buyers have so much more power right now!
7:22 - What are we seeing sellers do?
9:20 - Are you still waiting to buy?
10:40 - What'd we learn today?
12:26 - Out takes
* No sellers were harmed in the making of this video.
Please contact us to tell us you love us, you want to hire us! Call or text:
Realtors with Hive Collective at Realtypath:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Realtypath's Tyler Cazier and "Mr. Suit" Aric Wiszt.
Tuesday Mar 07, 2023
Tuesday Mar 07, 2023
This episode can be viewed on YouTube.com: https://youtu.be/tgW3CDe81Qc.
Together with guest, Adam Hall, we exlpore the wonderful world of real estate investing. Here's a guy who has participated in more avenues of real estate from being a lender, to flipping houses, to being a contractor, to owning the contracting company, to being a landlord, to being a developer.
How do you want to play the real estate game? What's your way to success? Well, this is the Hall Way.
0:00 - Introduction
45:49 - What'd we learn today?
48:17 - Out takes.
* No properties were burned in the making of this video.
Special Thanks to:
Adam Hall
801-472-7491
Please contact us to tell us you love us, you want to hire us! Call or text:
Realtors with Hive Collective at Realtypath:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Realtypath's Tyler Cazier and "Mr. Suit" Aric Wiszt.
Tuesday Feb 21, 2023
Tuesday Feb 21, 2023
You can watch this episode on YouTube: https://youtu.be/gh-KdXH6hDA
Can you build a cabin there? What about a non-permanent structure? And how is it going to be financed, anyway?
0:00 Introduction. Cabin property. Is a cabin just a vacation home that's inaccessible during some portion of the year? Is it just a "house" in the woods? What exactly does "year-round access" mean?
4:23 - Recreational Land. Non agricultural land. No residents on it. No development. Loan type is different. How soon are you going to put a structure on it?
6:30 - Construction Loan / Land Loan.
8:13 - Talk to pros early.
9:20 - How do you get to the land? Don't go in a car. (See out takes about the Subaru.)
11:20 - What'd we learn today?
13:19 - Out takes.
* No Subarus were harmed in the making of this video.
Please contact us to tell us you love us, you want to hire us! Call or text:
Realtors with Hive Collective at Presidio Real Estate:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Presidio's Tyler Cazier and "Mr. Suit" Aric Wiszt.
Tuesday Feb 07, 2023
Tuesday Feb 07, 2023
You can also view this podcast on YouTube.com: https://youtu.be/QOpPqQgMQno.
You've heard of house hacking, right? Well, social media doesn't tell you the full story.
0:00 - Introduction. Jason's son got a reel talking about how to house hack. Easy way to make your house payment.
2:07 - Sustainability Rule. Rent from the other units has to make the whole payment. Fourplexes are expensive in Utah.
3:02 - Bad information. Be careful with bad information.
4:10 - House Hacking Example.
5:40 - Numbers. Figure out your numbers, and talk to a pro to help you make sure it will work.
6:25 - What'd you learn today?
8:04 - Out takes.
* No house hackers were harmed in the making of this video.
Please contact us to tell us you love us, you want to hire us! Call or text:
Realtors with Hive Collective at Presidio Real Estate:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Presidio's Tyler Cazier and "Mr. Suit" Aric Wiszt.
Tuesday Jan 03, 2023
Tuesday Jan 03, 2023
You can watch this episode on Youtube.com: https://youtu.be/Jbu7nUh4j3U.
Tyler, Aric, and Jason talk with Hyrum Oaks, CEO of RaceEntry.com, about how he got started in real estate investing.
0:00 - Introduction. Hyrum Oaks is NOT a professional investor, but he's got 31 units! Even though he's from Utah, he chose to invest mostly in Indianapolis, Indiana.
7:22 - Know Your Weaknesses. Don't try to build a strategy on your weakness. Hire where you're weak.
10:39 - Going Out of State. He couldn't nail down wholesale deals, they were gone too fast. Have your HELOC ready, y'all! Did a flip to get some cash.
18:26 - Buying 19 Units at Once. Vet your property manager, and then trust them.
24:45 - Horror Stories.
31:40 - Good advice. Experience protects you from pain.
33:01 - This is How it Really Got Going. Competition.
37:02 - What'd we learn today?
39:39 - Out takes.
* No property managers. harmed in the making of this video.
Please contact us to tell us you love us, you want to hire us! Call or text:
Special Thanks to our guest:
Hyrum Oaks
CEO of Race Entry
Realtors with Hive Collective at Presidio Real Estate:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Presidio's Tyler Cazier and "Mr. Suit" Aric Wiszt.
Tuesday Nov 22, 2022
Tuesday Nov 22, 2022
You can watch this episode on Youtube.com: https://youtu.be/KZWEb2iXAH4
Cost Segregation Analysis Studies are an important part of investors' tax strategy for depreciation. If it's a commercial building, you can take 39 years of depreciation. If it's a residential structure, you're able to depreciate for 27 and a half years. But does your carpet last for 27 and a half years? No, it depreciates faster. You can depreciate different elements of the structure at different rates (5 years, 7 years, 15 years), but you have to have a study to make sure you're doing it right.
Join us with our guest, Erik Oliver from Cost Segregation Authority, as we dive deep into the different aspects of Cost Segregation Analysis!
0:00 - Introduction
1:47 - Define Cost Segregation Analysis. Taking depreciation in different chunks at an accelerated pace. Why is it important? Cost value of money, inflation, and tax strategy.
4:23 - What happens when you sell? You pay two types of taxes: 1) capital gains and 2) depreciation recapture. Take your deduction at a higher rate, then pay your taxes at a reduced rate on a future date. How do they come up with the numbers?
12:05 - It doesn't work on EVERY property.
16:05 - Bonus Depreciation. Bonus depreciation means you can get 100% of your depreciation right in the first year...until the end of 2022.
18:50 - Put it "In Service". You can take depreciation if the property is "in service" according to the IRS.
23:15 - An Airbnb Example. Use the tax savings as the down payment. Cost segregation does NOT generate audits.
29:28 - What'd we learn today?
34:43 - Outtakes
* No IRS agents were harmed in the making of this video.
Please contact us to tell us you love us, you want to hire us! Call or text:
Special Thanks to our guest:
Erik Oliver, Regional Manager
Cost Segregation Analysis
1-800-940-3115
info@costsegauthority.com
Realtors with Hive Collective at Presidio Real Estate:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Presidio's Tyler Cazier and "Mr. Suit" Aric Wiszt.
Tuesday Nov 08, 2022
Tuesday Nov 08, 2022
Getting beyond real estate investing basics, here are three principles to supercharge your investment game: cash-value indexed life insurance policies, cost segregation analysis, and opportunity zones. Guest Alex Ball explains how you can integrate these ideas.
0:00 - Introduction
4:02 - Life Insurance. Whole Life vs Indexed Universal Life Insurance policies (IULs). Tax benefits vs IRA or 401k. How life insurance affects 1031 exchange. Life insurance is a tax-advantage investment method.
10:00 - Cost Segregation. How a depreciation (5, 7, and 15-year depreciation elements) study can shield your income from taxes...for YEARS. Check out our friends at costsegauthority.com! How do you vet a cost-seg company? Can you do a cos seg on a 4-plex? Yup.
17:58 - Opportunity Zones. The government incentives investors in certain communities. You can find maps online. Combine an opportunity-zone purchase with a cost segregation analysis and take a 100% bonus depreciation, to take 100% of your depreciation in 1 year with a tax-shield carryover into future years.
19:15 - What'd we learn today?
21:33 - Out takes.
* No opportunity zones were harmed in the making of this video.
Please contact us to tell us you love us, you want to hire us! Call or text:
Special Thanks to our guest:
Alex Ball at On the Ball Finance with Alex
385-985-5138
Realtors with Hive Collective at Presidio Real Estate:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Presidio's Tyler Cazier and "Mr. Suit" Aric Wiszt.
Tuesday Oct 04, 2022
Tuesday Oct 04, 2022
You can watch this podcast on YouTube.com: https://youtu.be/2IP2eiAvJAc
What's happening in real estate right now? Is it a crash? Is it the eye before the storm? Is it a momentary lapse?
0:00 - Introduction
2:15 - Rates are going up.
4:00 - People are priced out of the homes they're living in right now.
5:45 - Real estate is stable (more stable than crypro!)
7:45 - Supply and demand is NOT the same as the inflation issue at the Fed.
8:55 - What are the BIG players doing?
11:00 - Create a plan.
15:30 - What'd we learn today?
17:07 - Out takes.
* No songs were harmed in the making of this video.
Please contact us to tell us you love us, you want to hire us! Call or text:
Special Thanks to our guest:
Alex Cancino at Diamond Perfection Home & Property Inspection
831-710-6782
Realtors with Hive Collective at Presidio Real Estate:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Presidio's Tyler Cazier and "Mr. Suit" Aric Wiszt.
Tuesday Sep 06, 2022
Tuesday Sep 06, 2022
What’s in inspection for? How do you choose a good inspector? What should you expect for your inspection? An inspection is a critical opportunity for a buyer to get information about the property they’re buying, and it can help the buyer know if there are any issues that would affect the value of the home.
0:00 – Introduction
1:38 – When and why does a buyer get an inspection?
3:09 – What does an inspection check?
11:27 – Discussion about Meth
13:50 – Choosing an Inspector
15:40 – Discussion of Radon
19:00 – Other inspector services
20:10 – What do you hate that Realtors do?
23:40 – What’d we learn today?
28:56 – Out Takes
* No pico de gallo was harmed in the making of this video.
Please contact us to tell us you love us, you want to hire us! Call or text:
Special Thanks to our guest:
Alex Cancino at Diamond Perfection Home & Property Inspection
831-710-6782
Realtors with Hive Collective at Presidio Real Estate:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Presidio's Tyler Cazier and "Mr. Suit" Aric Wiszt.
Tuesday Aug 02, 2022
Tuesday Aug 02, 2022
You've heard of the 2-1 buy down, but what is it really? What about other loan options like discount points or a single MI pay down?
0:00 - Introduction
1:49 - 2-1 Buy Down. This is what it is and the calculations on how it works. The buy down is NOT paid by the buyer. 2% less rate first year. 1% less rate the second year. 3rd year is the normal rate. Buyer has to qualify for the loan at the regular rate. Be ready for not only the rate increase, but ALSO the escrow increases (taxes and insurance).
8:03 - Discount Points. 1 discount point costs 1% of the loan, reduces the rate by 1/4 point, and is a permanent reduction for the life of the loan.
10:54 - Single-Premium Mortgage Insurance. Pay it all at once, up front, you'll save a couple hundred dollars per month, and several years of mortgage insurance.
14:16 - What'd we learn today?
16:17 - Out Takes.
* No loan officer egos were harmed in the making of this video.
Please contact us to tell us you love us, you want to hire us! Call or text:
Realtors with Hive Collective at Presidio Real Estate:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Presidio's Tyler Cazier and "Mr. Suit" Aric Wiszt.
Tuesday Jul 12, 2022
Tuesday Jul 12, 2022
You can view this episode on Youtube.com: https://youtu.be/F9N0ns5lxP8
How do you get the investing ball rolling? We just took a leap ourselves in Indiana. Here's how we did it.
0:00 - Introduction
1:20 - Why invest? Financial freedom, baby.
3:23 - How to analyze a market.
5:00 - Networking. Over the phone, then face to face. Find people who know the area and the type of investing you are looking for.
12:49 - Could we get a deal before we left?
16:30 - You HAVE to take the first step.
18:30 - Finding "whos".
19:45 - But what about the market? There are strategies that work in every market.
20:25 - What'd we learn today?
22:21 - Out takes
* No timid investors were harmed in the making of this video.
Please contact us to tell us you love us, you want to hire us! Call or text:
Realtors with Hive Collective at Presidio Real Estate:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Presidio's Tyler Cazier and "Mr. Suit" Aric Wiszt.
Tuesday Jun 28, 2022
Tuesday Jun 28, 2022
Seller Finance is one of the most versatile methods to purchase (or sell) a home. It takes outside-the-box thinking, but it can afford a lot more flexibility to both the buyer and the seller.
0:00 – Introduction. Seller Finance 101, or maybe even more basic than that. This is a high-level overview of seller finance. The most basic definition is that a seller is financing the property…not a lender. Lease Option, wrap-around mortgage (seller has an existing mortgage, and the seller writes a deed that encompasses the mortgage), contract for deed (like buying a car: buyer doesn’t get title until the loan is cleared — it’s biased in favor of the seller), all inclusive (buyer’s name is on title — it’s biased in favor of the buyer).
5:45 – Due on Sale. A due-on-sale clause is a clause stipulates that the full balance of the loan may be called due upon sale or transfer of ownership of the property used to secure the note. The lender has the right, but not the obligation, to call the note due. Title and recording are especially important. Simplest form of seller financing is when the seller owns their property outright (there’s no bank to care about the “due on sale clause”).
7:56 – Concerns. It depends on what the buyer and seller are concerned about. Divorce presents a really hard circumstance for a traditional lender: you have an outstanding, unknown debt — lender can’t give you loan until it’s resolved. Timelines are typically shorter than traditional mortgage (though that’s not required). If the seller has a low interest rate, and then finances a buyer at cheaper-than-market rate that’s still higher than the seller’s rate, they are making money on “the spread” between the interest rates. (This is how bank’s make their money, btw: they loan at higher interest than their deposits are paying. The spread constitutes revenue.) Structure the note to be time-flexible with conditions.
11:57 – What About Buyers? Less documentation concerns. Combined down payment funds from multiple sources is untouchable by a lender. Not so in seller finance. Cash on hand can be a concern for the buyer in traditional lending, but it’s not an issue in seller finance. Very time flexible for the buyer. The terms are VERY customizable. Investment properties see a lot more seller finance.
14:45 – Make Nice With Your Attorney / Title Officer. There are a lot more pitfalls, but that doesn’t make it bad. You can still build protections into the terms for the buyer and the seller. Make sure the contract sets clear expectations (and handles less-expected situations).
16:18 – What’d We Learn Today?
18:11 – Out Takes
* No lenders were harmed in the making of this video.
Please contact us to tell us you love us, you want to hire us! Call or text:
Realtors with Hive Collective at Presidio Real Estate:
Tyler Cazier: 801-210-0230
Aric Wiszt: 801-228-7687
Lender with Elite Team at Security Home Mortgage:
NMLS: 178787
Jason Christiansen: 801-669-7271
NMLS: 240472
A Production with Security Home Mortgage's Jason Christiansen, and Hive Collective at Presidio's Tyler Cazier and "Mr. Suit" Aric Wiszt.