The David Greene Show

The 50 year mortgage is coming! Or is it? On today’s show David and Christian break down the myths, facts, and rumors surrounding the potential of a fifty year mortgage making its way into the options sponsored by the federal government. They share what the government has shared so far, how a fifty year mortgage would look, and practical examples of what it would take to lower payments over a fifty year period as opposed to a thirty year. The mortgage mutt makes an appearance and David and Christian explain how interest is collected and kept by banks from your monthly payment. Very educational show on a hot button topic. Download today! Subscribe to The David Greene Show! Apple: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/5Nu6kCJ... Follow David: @DavidGreene DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join STR Management [email protected] Investor Retreat DavidGreene24.com/retreat

Transcribed - Published: 1 December 2025

Seeing Greene is back with STR investor Ashley Cole! David and Ashley take on listener questions for everyone to enjoy. On today’s show we cover what to do when Airbnb is running you out of your own property, what to consider when investing out of state, and things that every investor should consider before house hacking. You’ll love the in depth conversation on how airbnb has changed their policies, who it’s hurting, and what STR investors can do to fight back. You’ll also love the deep insight on how direct booking sites work, and an even better convo about what to look for in a property manager, as well as what to avoid. Ashley and David also cover relevant news   PriceLabs Landing Page with our Discount: https://hello.pricelabs.co/david-greene/   Subscribe to The David Greene Show!  Apple: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/5Nu6kCJ...    Follow David: @DavidGreene   DavidGreene24.com RealTalkRealEstate.com   Podcast-The David Greene Show Spotify, Apple Podcasts   Book a session with David: [email protected]   Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app   Real Estate University: SpartanLeague.com   Join my Free Newsletter: Davidgreene24.com/textletter   Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage   Free Textletter DavidGreene24.com/join   STR Management [email protected]   Investor Retreat DavidGreene24.com/retreat

Transcribed - Published: 26 November 2025

On today’s Mortgage Monday, David and Christian talk about the potential decoupling of Fannie Mae and Freddie Mac from government ownership. They cover the potential outcomes that could occur, how this may make loans more expensive, and the increased risk it may bring if predatory lending practices come back into play. You’ll learn about why working with the right broker will become even more crucial than it is today, and why we should all be grateful for the low down payment, low credit score, and low interest rates we’ve enjoyed for so long. Subscribe to The David Greene Show! Apple: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/5Nu6kCJ... Follow David: @DavidGreene DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join STR Management [email protected] Investor Retreat DavidGreene24.com/retreat

Transcribed - Published: 24 November 2025

On today’s show, David interviews David and Morgan Stanhope, a NY couple who started buying RE during covid in New York, and never looked back. With little more than advice from David and Brandon on Biggerpockets about what to look for and what to buy, they found their first 1% rule property on the MLS using a realtor! Dave and Morgan share how they had to overcome the hurdle of buying an STR vs a traditional rental, how Morgan had to trust Dave when it came to making the right decision, and what it was like navigating the difficult conversations in the beginning. They go on to share how they rent the property out as a sober living facility and eventually scaled to 13 homes! In addition to this, David and Morgan believe in keeping the W2 for as long as it makes sense and not being in a rush to quit. This attitude, and their commitment to the principles in Pillars of Wealth, gave them the stability and security they needed to scale safely at a time when many are struggling. This show will open your eyes as to th right way to scale your business. Download today! Subscribe to The David Greene Show! Apple: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/5Nu6kCJ... Follow David: @DavidGreene DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join STR Management [email protected] Investor Retreat DavidGreene24.com/retreat

Transcribed - Published: 20 November 2025

Rates have lowered, but home sales haven’t taken off. How’s that possible? In today’s show David and Christian cover why so many influencers who claimed rising rates would crash housing were wrong, and how those calling for a huge run up with lower rates have been also. The show covers the multiple factors that impact demand for housing, including tax benefits, available capital, consumer debt, financial reserves, the job market, and more. It also gives solid insight into what the housing market is likely to look like in the near future and where the best bets will be made. If you’ve been thinking about a refinance, we cover that too, including how to get ahold of us and what to look for. Great episode. Download today! Subscribe to The David Greene Show! Apple: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/5Nu6kCJ... Follow David: @DavidGreene DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join STR Management [email protected] Investor Retreat DavidGreene24.com/retreat

Transcribed - Published: 17 November 2025

Property Manager Jeremy Hunter joins David on today’s show about how to forge a career in RE. Jeremy started as a RE agent in Hawaii and tells his story of how he ultimately ended up as a property manager owning RE. With over two decades of experience in RE, Jeremy shares regrets of how he wished he would have handled things differently when making good money early in his career to how he learned to invest wisely and let his money work for him. Jeremy and David share lessons learned from the last RE crash in 2010 and what they see happening in the market today that concerns them as well as where they see opportunity. You’ll learn how word of mouth referrals can still work in todays’ market, how to avoid being the victim of clever marketing, and what impact AI could have on future RE transactions. If you want some context on where RE was, where it’s at, and where it’s going, download the show today! Subscribe to The David Greene Show! Apple: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/5Nu6kCJ... Follow David: @DavidGreene DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join STR Management [email protected] Investor Retreat DavidGreene24.com/retreat

Transcribed - Published: 14 November 2025

In today’s episode David and Christian cover an article that explains how refinances are up 81% from this time a year ago, yet housing sales are basically still flatlined. They cover where rates are, why they have been falling, and who should consider refinancing right now. In this episode you’ll learn about the different refinance options available and also what you can do to pay your mortgage off significantly faster if you want to build equity faster. The show is full of finance diamonds you have likely never heard of, how to use them, and options to pay loans off faster you’ve never heard of. Much of this content comes from the book Better Than Cash Flow: The Ten Ways You Make Money in Real Estate, as David and Christian bring up real world examples of how to put the information to use in a practical way. Download today! Chapters 00:00 The Future of Digital Currency 01:47 Understanding Refinancing and Its Types 05:32 Refinancing Strategies and Hacks 07:34 Market Trends: Refinancing vs. Buying 08:19 Conforming Loan Limits and Their Impact 11:11 Communication with Lenders: A Key to Success 12:19 Current Mortgage Rates and Refinance Applications 15:03 Why Refinance Applications Are Rising 17:12 Options for Refinancing Without Resetting Terms 19:11 The Benefits of Flexible Payment Strategies 22:22 Understanding Loan Recasting 26:12 Maximizing Cash Flow Through Strategic Payments Subscribe to The David Greene Show! Apple: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/5Nu6kCJ... Follow David: @DavidGreene DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join STR Management [email protected] Investor Retreat DavidGreene24.com/retreat

Transcribed - Published: 10 November 2025

Seeing Greene is back with return guest Greg Schwarz! David and Greg join forces to answer listener questions from you! They tackle questions about building a brokerage and selling it, ways to find passive income in todays market, and why “passion income” may be the way to survive in RE while things are tough. Greg and David dig into today’s RE news, funny videos, and current events while sharing knowledge to help you build your wealth in RE. Download today! Chapters 00:00 Introduction to Real Talk Real Estate 01:48 Understanding Passive Income in Real Estate 14:07 The Reality of Passive Income 22:56 Exploring Equity and Financing Options 28:11 New Ventures in Real Estate 36:58 Market Insights and Buying Opportunities 44:43 Featured Property: Splash Mountain Pool Cabin 49:18 Funny Clips and Guest Bloopers Subscribe to The David Greene Show! Apple: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/5Nu6kCJ... Follow David: @DavidGreene DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join STR Management [email protected] Investor Retreat DavidGreene24.com/retreat

Transcribed - Published: 6 November 2025

After buying a primary residence and not occupying it, New York AG Letitia James is facing mortgage fraud accusations. Today’s video covers the details of the case, but more importantly, what James’ could have done to avoid being in this situation-and how you can too. David and Christian cover common mortgage note violations, how people get in trouble, and what to ask your loan officer. They also cover different loan types and what those individual loans do, and do not, allow you to do with and use the property for. You’ll get strategies, advice, and insight in today’s show about loan options and how to use them to your advantage! Chapters 00:00 Understanding Mortgage Fraud: Common Misconceptions 02:56 Legal Obligations of Primary Residence Loans 05:57 Occupancy Fraud: What You Need to Know 08:55 The Risks of Misusing DSCR Loans 12:05 Real-Life Examples of Mortgage Fraud 14:52 Navigating the Complexities of Short-Term Rentals 18:07 The Case of Letitia James: A Cautionary Tale 21:11 Understanding Second Home Loans 23:59 Final Thoughts on Avoiding Mortgage Fraud Subscribe to The David Greene Show! Apple: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/5Nu6kCJ... Follow David: @DavidGreene DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join STR Management [email protected] Investor Retreat DavidGreene24.com/retreat

Transcribed - Published: 3 November 2025

On today’s show, David interviews Joe and Chris Vesce about the deal they bought in FL-off the MLS! The two brothers partnered together on a medium term rental in a killer location that was under priced-and nabbed it. They share details on how they recognized the deal, how they wrote the offer, and what they did after they bought it. The brothers also share how their original loan officer nearly blew the deal, but switching to David’s loan officer saved it and kept them alive and saw it to the finish line, saving them tons of almost lost equity. If you’ve been wondering how people are finding deals today, what a good deal looks like, and how to use the MLS to find your next investment property, you’ll love today’s show. Check it out today! Subscribe to The David Greene Show! Apple: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/5Nu6kCJ... Follow David: @DavidGreene DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join STR Management [email protected] Investor Retreat DavidGreene24.com/retreat

Transcribed - Published: 30 October 2025

Are even lower rates coming? In Jerome Powell’s recent statement, the Fed is exploring new tools to lower mortgage rates and fight unemployment. In today’s show, David and Christian discuss how the end of Quantitative Tightening may need to lower mortgage rates and relief for RE investors and buyers. We cover how the Fed buys/sells bonds and treasuries and how this affects the money supply, bond prices, and ultimately interest rates. If you’ve been patiently waiting for mortgages to go down, this may be a sign it’s coming! Download today! Chapters 00:00 Introduction to Mortgage Monday 02:57 Understanding Interest Rates and the Economy 05:57 The Impact of Federal Policies on Mortgage Rates 09:14 Quantitative Easing vs. Quantitative Tightening 12:04 The Role of the Federal Reserve in the Housing Market 14:58 Explaining Bond Yields and Their Effects 17:58 The Future of Real Estate and Economic Predictions 21:10 Conclusion and Call to Action Subscribe to The David Greene Show! Apple: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/5Nu6kCJ... Follow David: @DavidGreene DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join STR Management [email protected] Investor Retreat DavidGreene24.com/retreat

Transcribed - Published: 27 October 2025

On today’s show, we did something I’ve never done before. I’m joined by Wyatt Wolff, a loan officer, who breaks down his career working with real estate investors, agents, and home buyers helping them to buy real estate. Rather than the traditional interview model where we talk to investors, today’s show focuses on those who help investors. Wyatt shares his story about working two jobs where he would work in the warehouse of a distribution center during the day and closing loans for clients at night. Wyatt shares his journey as he moved from closing loans for a bank to working at a brokerage where he has hundreds of options for clients to choose from. The conversation moves from mindset and how the W2 perspective can ruin work ethic, to practical advice on how to be effective at your job during the day. The show goes deep into the changes people need to make in order to be successful in today’s economy. If you’ve ever wondered why some people succeed in RE while others don’t, you HAVE to listen to this show. Chapters 00:00 Introduction to Real Estate Careers 02:44 Wyatt's Journey into Real Estate 05:25 The Difference Between Banks and Brokerages 08:05 Understanding the Brokerage Model 10:53 Choosing Between Retail Lending and Brokerage 13:48 The W2 Mindset vs. 1099 Mindset 16:29 The Spectrum of Comfort and Profit 19:18 Responsibility and Opportunity in Real Estate 22:21 Lessons from the Hard Road 25:09 The Value of Skill Over Niceness 32:05 The Value of Tough Love in Professionalism 35:01 The Balance Between Kindness and Effectiveness 37:02 Taking Responsibility in Leadership 37:49 The Importance of Accountability in Teams 39:53 The Spectrum of Agency in Individuals 42:36 The Role of Tough Love in Personal Growth 46:16 Becoming the Right Fit for Success 49:46 Investing in Yourself for Future Gains 52:53 The Mindset Shift from Entitlement to Contribution

Transcribed - Published: 23 October 2025

In this episode of Mortgage Monday, David Greene and loan officer Wyatt Wolff discuss various loan types, including employee loan programs, VA loans, and refinancing strategies. They explore the importance of financial advisors in navigating these options and address common misconceptions in real estate. The conversation also highlights the benefits of house hacking and the Wyatt Special, a strategy for streamlining multiple loans into one. The episode concludes with advice for aspiring loan officers and the importance of client relationships in the mortgage industry.

Transcribed - Published: 20 October 2025

In this episode of Real Talk Real Estate, David Greene and Jake Henderson discuss the challenges of finding quality information in the real estate market, share personal experiences, and provide insights on strategies for buyers in a slow market. They emphasize the importance of clear communication when making offers, navigating the complexities of working with real estate agents, and encouraging new investors to get involved. The conversation also covers mortgage options, the difficulties of financing mixed-use properties, and opinions on financial advice in the real estate space. In this conversation, David Greene and Jake Henderson explore various themes related to self-defense, financial advice, real estate investing, and the challenges faced by small investors in a market dominated by institutional players. They discuss the importance of having a financial plan, the ethical implications of mixing faith with financial guidance, and the necessity of learning from mistakes in real estate. The conversation also touches on the evolving landscape of short-term rentals, particularly the impact of Airbnb's policy changes on hosts. Throughout, they emphasize the need for transparency and realism in financial education and investing. Chapters 00:00 Introduction to Real Talk Real Estate 01:50 Jake's Background and Real Estate Journey 03:13 David's Personal Real Estate Challenges 05:04 Market Trends and Buyer Activity 11:38 Strategies for Buyers in a Slow Market 18:22 Choosing the Right Real Estate Agent 25:55 Encouraging Others to Invest in Real Estate 28:54 Evaluating Mortgage Options 30:19 Understanding Opportunity Costs in Real Estate Financing 37:12 Navigating Small Mixed-Use Lending Challenges 45:39 The Importance of Local Market Knowledge 53:51 Balancing Caution and Inspiration in Real Estate Advice 01:00:16 The Impact of Institutional Investors on Small Investors 01:03:29 Current Trends in the Housing Market 01:06:18 The Aftermath of Vandalism 01:08:20 Airbnb Policy Changes and Their Impact 01:11:50 The Power Shift: Guests vs. Hosts 01:14:17 The Challenges of Managing Short-Term Rentals 01:16:38 The Future of Airbnb and Alternative Solutions 01:20:48 Managing Properties: A Personal Touch 01:25:51 Experiences in Nature: Bears and Cabins Subscribe to The David Greene Show! Apple: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/5Nu6kCJ... Submit your question for David: https://davidgreene24.com/ask FOLLOW DAVID @DavidGreene DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show (Spotify, Apple Podcasts) Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate: TheOneBrokerage.com - Intake@TheOneBrokerage - @theonebrokerage Free Text letter - DavidGreene24.com/join STR Management [email protected] Investor Retreat DavidGreene24.com/retreat

Transcribed - Published: 17 October 2025

In this episode of Real Talk Real Estate, David Greene and Shane Sanders discuss various real estate investment strategies, including the pros and cons of free housing versus house hacking, refinancing challenges with BRRR properties, and the differences between midterm and short-term rentals. They also share tips on furnishing rental properties, negotiating with contractors, and recount funny Airbnb stories, highlighting the complexities and humorous aspects of being a landlord. Chapters 00:00 Introduction and Guest Introduction 03:00 Free Housing vs. House Hacking 04:42 Refinancing Challenges with BRRR Properties 09:30 Midterm vs. Short-Term Rentals 15:06 Furnishing Rentals on a Budget 18:34 Investment Strategies in High-Price Markets 31:24 Navigating City Regulations and Development Challenges 33:32 Understanding Housing Market Dynamics 34:27 The Impact of Government Policies on Real Estate 36:22 The Role of Affordable Housing in Investment Strategies 37:13 The Evolution of Real Estate Marketing 40:24 Raising Standards in Real Estate Education 43:13 Maximizing Property Value through Strategic Renovations 51:09 Effective Communication with Contractors 54:49 Navigating Guest Expectations in Short-Term Rentals

Transcribed - Published: 9 October 2025

In this episode of Mortgage Monday, David Greene and Christian discuss the implications of the recent government shutdown on the mortgage industry. They explore current trends in mortgage applications, the impact of government operations on loan processing, and the dynamics of mortgage rates during uncertain economic times. The conversation also addresses common misconceptions about mortgage lenders and the importance of verification in the loan approval process. The episode concludes with insights into the One Brokerage's approach to mortgages and a call to action for listeners. Chapters 00:00 Introduction to Government Shutdown and Mortgage Implications 02:41 Current Trends in Mortgage Applications 05:46 Impact of Government Shutdown on Mortgage Rates 08:26 Understanding Mortgage Rate Dynamics 11:27 The Role of Government Agencies in Mortgage Processing 14:21 Debunking Myths About Mortgage Lenders 17:14 Navigating Different Types of Loans 20:09 The Importance of Accurate Financial Documentation 23:21 Building Relationships in the Mortgage Industry

Transcribed - Published: 6 October 2025

Summary   In this episode of Real Talk Real Estate, host David Greene and guest Greg Schwartz discuss the intricacies of building a successful real estate business. They explore the importance of team structure, the value of lease listings, and the necessity of maintaining strong client relationships. The conversation delves into the balance between sales and property management, the significance of effective presentations, and the need for consistency in lead generation. Additionally, they touch on the role of AI in real estate marketing and the unique dynamics of the College Station market. Throughout the discussion, they emphasize the importance of mindset and understanding client expectations to achieve success in the real estate industry. Chapters 00:00 Building a Real Estate Business 11:20 Team Structure and Roles 23:00 Navigating the Market Challenges 34:27 Client Relationships and Presentations 46:13 Finding and Educating Clients 44:50 The Importance of Consistency in Real Estate 49:08 Mindset: The Key to Real Estate Success 55:51 Motivating Sellers to Take Action 58:25 Identifying and Overcoming Bottlenecks

Transcribed - Published: 1 October 2025

In this episode of Mortgage Monday, David Greene and Christian Baschlider discuss the critical decision of whether to lock in mortgage rates or wait for potential decreases. They explore the mechanics of rate locks, the advantages of working with mortgage brokers versus direct lenders, and share real-life client scenarios that illustrate the impact of timing on mortgage rates. The conversation emphasizes the importance of market awareness and strategic decision-making in securing favorable mortgage terms. CHAPTERS: 00:00 Introduction to Mortgage Monday 01:42 Understanding Rate Locks 05:33 The Role of Brokers vs. Direct Lenders 11:51 Real-Life Scenarios and Client Examples 17:52 Risk Assessment in Rate Locking 21:54 Conclusion and Call to Action

Transcribed - Published: 29 September 2025

In this episode of Mortgage Monday, David Greene and Christian discuss the current state of the mortgage market, focusing on the recent interest rate changes and their implications for homeowners and potential buyers. They explore the benefits of refinancing, the importance of understanding mortgage rates, and the role of the Federal Reserve in shaping market expectations. The conversation emphasizes the need for proactive decision-making in real estate investments and offers insights into navigating the complexities of mortgage quotes and lender communications. Chapters 00:00 Introduction to Mortgage Monday 02:45 Market Reactions to Interest Rate Changes 05:19 Understanding Refinancing Opportunities 08:10 The Impact of Fed Decisions on Mortgage Rates 10:53 Navigating Market Predictions and Timing 13:41 The Psychology of Real Estate Investing 16:18 Understanding Rate Quotes and Market Pricing 18:54 Final Thoughts on Current Market Trends

Transcribed - Published: 22 September 2025

In this engaging conversation, David Greene interviews Chloe Birchett, a successful realtor from California. Chloe shares her inspiring journey from being an accountant to becoming a top producer in real estate. She discusses the importance of mindset, building trust with clients, and the strategies she employs to succeed in a competitive market. Chloe emphasizes the need for empathy, hard work, and the ability to handle client emotions, while also sharing her marketing techniques and the significance of referrals in her business. The conversation concludes with valuable advice for new realtors, highlighting the challenges and rewards of the profession. Chapters 00:00 Introduction to Real Talk Realtor 02:45 Chloe's Journey into Real Estate 05:43 Overcoming Language Barriers 08:39 Building Trust with Clients 11:26 The Importance of Persistence 14:49 Navigating a Competitive Market 17:40 The Power of Genuine Connections 20:37 Closing Deals with Confidence 34:28 Building Trust in Real Estate 34:59 The Role of Ego in Real Estate Transactions 36:39 Understanding Client Emotions 38:39 The Importance of Hard Work and Dedication 40:49 Navigating Difficult Client Relationships 43:29 Handling Client Negativity 45:21 The Reality of Being a Realtor 49:23 Generating Business Through Referrals 52:58 Effective Communication Strategies 57:11 Creating Engaging Social Media Content 01:01:00 Advice for New Realtors

Transcribed - Published: 18 September 2025

Welcome to another episode of Mortgage Monday on Real Talk Real Estate with David Greene! This week we break down what the Fed’s decision to hold rates means for mortgages, credit cards, car loans, and the overall economy. We cover the difference between interest rates vs. mortgage rates, inflation concerns, and how today’s borrowing costs are impacting buyers and homeowners. 👉 If you’re in the real estate or mortgage world — or just trying to understand what these stubborn rates mean for you — this one’s packed with insights. Don’t forget to subscribe, comment, and share your thoughts below! CHAPTERS 1. Introduction to Mortgage Monday 2. Understanding the Feds Role in Interest Rate  3. Impact of Tariffs on inflation and Borrowing Costs 4. The Connection Between Fed Rates and Consumer Loans  5. Challenges Faced by Borrowers in Today’s Market 6. The Debate on Lowering Interest Rates 7. Wealth and Productivity in the Economy FOLLOW DAVID @DavidGreene DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show (Spotify, Apple Podcasts) Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate: TheOneBrokerage.com - Intake@TheOneBrokerage - @theonebrokerage Free Text letter - DavidGreene24.com/join STR Management [email protected] Investor Retreat DavidGreene24.com/retreat

Transcribed - Published: 9 September 2025

SUMMARY BRRRR’s not dead, it’s surely alive! In today’s show, David interviews Shane Spencer, an investor out of WA state who’s found a way to combine ADU development, BRRRR, House Hacking, property development to develop a strategy that’s allowed him to scale to nine properties and counting. Shane shares his simple but profound method of buying cheap properties with the right amenities and improving their value to find cash flow where others miss it. This interview is both eye opening and detail oriented as David picks apart Shane’s strategy to reveal how the different components fit together and the listener can replicate. Using principles found in David’s “Better Than Cash Flow” book, Shane is crushing it with solid fundamentals at a time where other investors struggle to keep the boat afloat. You’ll want to listen to this episode several times. Download today! CHAPTERS Introduction to Real Talk Real Estate - 0:00 - 1:00 Shane Sanders' Investment Strategy - 1:01 - 5:30 Challenges with City Regulations - 5:31 - 10:00 Building Properties - 10:01 - 15:00 Financing and Cash Flow Strategies - 15:01 - 20:00 Market Trends and Real Estate Insights - 20:01 - 25:00 Follow David @DavidGreene   DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts   Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join STR Management [email protected] Investor Retreat DavidGreene24.com/retreat

Transcribed - Published: 21 August 2025

SUMMARY Finally, some good news! With inflation apparently under control and the economy doing solid, the FED seems to be leaning in the direction of lowering rates-and the market has responded! A small rate cut has already been put in to place with more potentially on the way. If you’ve been waiting for rates to decrease, you can finally exhale. Today’s show covers a history of RE for the last 5 years, why prices didn’t drop, and what is likely to happen in the future with home prices. We also cover which areas are doing well, where business is still happening, and which strategies are working with One Brokerage clients. Download today! CHAPTERS Introduction to Real Talk Real Estate - 00:00 Good News for Mortgage Rates - 02:15 Understanding Basis Points - 05:30 Current Mortgage Rate Trends - 08:45 Market Predictions and Insights - 12:00 Impact of Federal Rate Changes - 15:20 Real Estate Investment Strategies - 18:40 Challenges in the Insurance Market - 22:10 Opportunities in Emerging Markets - 25:30 House Hacking Benefits - 28:50 Conclusion and Contact Information - 32:15 FOLLOW DAVID @DavidGreene   DavidGreene24.com RealTalkRealEstate.com   Podcast-The David Greene Show Spotify, Apple Podcasts   Book a session with David: [email protected]   Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app   Real Estate University: SpartanLeague.com   Join my Free Newsletter: Davidgreene24.com/textletter   Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage   Free Textletter DavidGreene24.com/join   STR Management [email protected]   Investor Retreat DavidGreene24.com/retreat

Transcribed - Published: 18 August 2025

SUMMARY In this episode, David covers insights into the real estate market, including short-term rentals and economic updates. David shares his perspective on the impact of AI on jobs in banking and brokerage, offering advice on real estate investment strategies during economic uncertainty. The Q&A session addresses topics like tenant screening and asset classes. The Real News Report segment provides updates on commercial real estate, tech adoption, and market trends. The episode also features a property in the Smoky Mountains and shares Airbnb experiences. David concludes with closing remarks, encouraging listener engagement and promoting upcoming content. CHAPTERS Introduction and Show Overview - 00:00 - 02:00  Real Estate Market Insights - 02:01 - 10:00  AI's Impact on Jobs - 10:01 - 18:00  Real Estate Investment Strategies - 18:01 - 25:00  Q&A Session - 25:01 - 40:00  Real News Report- 40:01 - 50:00  Featured Property and Airbnb Stories 50:01 - 60:00  Closing Remarks 60:01 - End FOLLOW DAVID @DavidGreene   DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join STR Management [email protected] Investor Retreat DavidGreene24.com/retreat  

Transcribed - Published: 17 August 2025

Summary A game podcast host Nick Lamagna joins the David Greene Show to tackle questions about today’s RE market, short term rental shenanigans, and if the labor market is in danger! Nick brings his trade work wit, charm, and positive vibes to a show that covers listener questions, RE news updates, online comments, and updates to David’s properties. You’ll love the conversation about where to buy, what could happen if rates come down, and if the future of RE investing is co-living. Download today! Chapters Introduction and Guest Introduction - 00:00 Nick's Background and Real Estate Journey - 02:30 Discussion on Rent and Housing Affordability - 10:15 Strategies for Affordable Housing - 18:45 Market Trends and Investment Strategies - 25:30 Challenges in Short-Term Rentals - 35:00 Communication and Relationships in Business - 45:15 Closing Remarks and Contact Information - 55:00 Follow David @DavidGreene   DavidGreene24.com RealTalkRealEstate.com   Podcast-The David Greene Show Spotify, Apple Podcasts   Book a session with David: [email protected]   Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app   Real Estate University: SpartanLeague.com   Join my Free Newsletter: Davidgreene24.com/textletter   Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage   Free Textletter DavidGreene24.com/join   STR Management [email protected]   Investor Retreat DavidGreene24.com/retreat  

Transcribed - Published: 7 August 2025

SHOW SUMMARY On today’s David Greene Show, David and Joseph tackle listener questions about the best way to buy a house while living in a different one, what to do when selling and buying when the market may continue to get worse, and how to avoid pressure-based sales tactics when you find yourself in a compromised situation. David and Joseph also share information from their realtor careers about what to look for in an agent, what to avoid, and how to tell if your agent’s ego may be destroying your chances to get the house you want. The show features stories from their own careers and experiences that provide a behind the scenes look at what goes on in RE you don’t see. The show also covers funny listener questions and comments, short term rental property improvements, and a conversation about today’s economy and what could help turn things around. Whether you're looking for advice on interest rates, vacation rentals, or snagging your next deal, this show has it all. Follow David @DavidGreene   DavidGreene24.com RealTalkRealEstate.com   Podcast-The David Greene Show Spotify, Apple Podcasts   Book a session with David: [email protected]   Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app   Real Estate University: SpartanLeague.com   Join my Free Newsletter: Davidgreene24.com/textletter   Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage   Free Textletter DavidGreene24.com/join   STR Management [email protected]   Investor Retreat DavidGreene24.com/retreat

Transcribed - Published: 31 July 2025

Show Summary:  In this episode of Real Talk Real Estate, host David Green is joined by Austin realtor Jordan Moorhead. They discuss the current state of the Austin real estate market, strategies for buying in a declining market, and the pros and cons of holding onto properties with negative cash flow. The episode also covers listener questions about real estate investments, the impact of interest rates, and the future of the housing market in various regions. Chapters: Introduction and Welcome (0:00 - 2:00) David Green introduces the show and guest Jordan Moorhead. Austin Real Estate Market Update (2:01 - 10:00) Discussion on recent market trends and buying strategies in Austin. Listener Questions: Negative Cash Flow Properties (10:01 - 20:00) Addressing whether to hold or sell properties with negative cash flow. Real Estate as a Reliable Income Source (20:01 - 30:00) Debating the reliability of real estate cash flow as a primary income. Comments and Community Engagement (30:01 - 40:00) Responding to listener comments and questions from social media. Real News Report: Market Trends and Predictions (40:01 - 50:00) Covering the latest news and forecasts in the real estate market. Closing Remarks and Call to Action (50:01 - End) Follow David @DavidGreene   DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join STR Management [email protected] Investor Retreat DavidGreene24.com/retreat

Transcribed - Published: 25 July 2025

Summary With the successful passing of the Big Beautiful Bill, bonus depreciation is back. In this episode, David and Christian break down what it is, how you can take advantage of it, and how you can use money previously set aside for the government to cover the down payment on your next property. They cover accounting options, ways to use this strategy you may not have thought of, and how to combine it with CRE (covered in MM episode #69) to supercharge your wealth building and set yourself up for a retirement that doesn’t depend on social security. Make sure to listen all the way to the end for a special appearance from the mortgage mutt who is just as happy about bonus depreciation as your favorite accountant! Chapters 2:15 Understanding Bonus Depreciation Explanation of bonus depreciation and its benefits for real estate investors. Discussion on the Big Beautiful Bill Act and its implications. 10:45 Real Estate Professional Status Criteria for qualifying as a real estate professional. How this status affects your tax strategy. 18:30 Active vs. Passive Income Differentiating between active and passive income. Strategies to convert passive losses into active losses. 25:00 Short-Term Rental Loophole Exploring the short-term rental loophole as an alternative strategy. Requirements and benefits of this approach. 32:10 Depreciation and Tax Strategy Detailed explanation of depreciation and its role in tax planning. How to use cost segregation studies to maximize tax benefits. 40:00 Practical Advice for Investors Tips for new and experienced investors on leveraging real estate for wealth building. Importance of understanding your financial position and planning strategically. 50:00 Conclusion and Contact Information Follow David: @DavidGreene   DavidGreene24.com RealTalkRealEstate.com   Podcast-The David Greene Show Spotify, Apple Podcasts   Book a session with David: [email protected]   Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app   Real Estate University: SpartanLeague.com   Join my Free Newsletter: Davidgreene24.com/textletter   Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage   Free Textletter DavidGreene24.com/join   STR Management [email protected]   Investor Retreat DavidGreene24.com/retreat  

Transcribed - Published: 21 July 2025

Summary After two years of being shut down by the city, David finally got power turned back on to one of his South Florida STR’s and has been working on getting it operational. This episode is a walk through showing the current condition, background on the big mess, and how you can avoid ending up in a similar situation. With “before” pictures that show renovation shots and details about what the city forced to be updated, you get a rare behind the scenes look at how a short-term rental comes to life-after it was put to death by city regulations. You’ll be fascinated by this behind the curtains look at how a property comes to live in the first part of a multi part series.  Chapters 00:00 - 02:00: Introduction to the episode and context about the Fort Lauderdale property. 02:01 - 10:00: The initial purchase and challenges with short-term rental permits. 10:01 - 20:00: Navigating city regulations and unexpected hurdles. 20:01 - 30:00: The impact of city decisions on property value and personal experiences. 30:01 - 40:00: Renovations, setbacks, and the current state of the property. 40:01 - 50:00: Advice for potential real estate investors and closing thoughts.  #RealEstate #Investing #ShortTermRentals #DavidGreen Follow David @DavidGreene DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join STR Management [email protected] Investor Retreat DavidGreene24.com/retreat

Transcribed - Published: 17 July 2025

Summary Good news in the mortgage industry! Interest rates are down and refinance applications are up! A sorely needed rate drop has swept the mortgage industry and rates are now in the 6.88% range. Today’s show covers why this happened, who should take advantage of this, and who’s better off to stay to the sidelines and wait. Download today’s episode and see how we can help you getting a mortgage and learning about the right time for you today. Chapters 00:00 Introduction to the Current Housing Market 03:00 Mortgage Refinance Demand and Interest Rates 05:45 Understanding Mortgage Rates and Points 08:38 The Importance of Pre-Approval in a Volatile Market 11:39 Who Should Refinance and Buy Now? 14:18 The Complex Relationship Between Rates and Housing Prices 17:21 Future Trends in Real Estate and Market Movements 19:06 Conclusion and Contact Information Follow David @DavidGreene DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join STR Management [email protected] Investor Retreat DavidGreene24.com/retreat

Transcribed - Published: 14 July 2025

Summary On today’s Seeing Greene, David covers several listener questions about refinancing and repurchasing, remodeling, and whether to buy or wait. David also covers the current state of the economy, what’s going on in the mortgage industry, and how to avoid getting ripped off when getting a mortgage. He also covers the nasty back and forth between Zillow and the rest of the RE world and how listings will be marketed in the future. If you’re looking to be entertained while following the current RE market, download today! Follow David: @DavidGreene   DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts   Book a session with David: [email protected]   Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app   Real Estate University: SpartanLeague.com   Join my Free Newsletter: Davidgreene24.com/textletter   Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage   Free Textletter DavidGreene24.com/join   STR Management [email protected]   Investor Retreat DavidGreene24.com/retreat  

Transcribed - Published: 10 July 2025

Summary  In today’s episode of Mortgage Monday, David and Christian cover the back and forth between President Trump and head of the Fed, Jerome Powell. In a bitter feud over whether rates should go down or stay put, Trump wrote a handwritten note to Powell which was leaked across the internet. As inflation has come down, and the job market appears decently steady, Trump wants rates to come down, and come down fast! As Powell holds his ground, the saga over where rates will go continues and David and Christian add their commentary in today’s episode. Chapters   00:00 The Power of Jerome Powell 06:39 Trump's Handwritten Note to Powell 11:01 The Impact of Interest Rates on the Economy   Follow David @DavidGreene   DavidGreene24.com RealTalkRealEstate.com   Podcast-The David Greene Show Spotify, Apple Podcasts   Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter   Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join STR Management [email protected]

Transcribed - Published: 7 July 2025

Summary Real Talk Realtor (Joseph Hamer)-Realtor Selling 30 Houses in His First Year! On today’s episode of Real Talk Realtor, David sits down with Joseph Hamer, a former assistant principal who dove full time into the world of real estate helping clients selling houses. Joseph shares the story of how he felt unfulfilled, dispassionate, and unhappy with his career in education and was struggling to stay motivated to give his best every day in a job he didn’t want. These struggles led to an issue with his weight and ultimately unhappiness in life and his career. Joseph got licensed and immediately secured three listings which led to a light bulb moment he needed to be all in RE or all out. Joseph shares his story about how he picks up clients, aligns his name and reputation with real estate in his personal sphere, and stays motivated to keep the momentum going even in a tough market. You don’t’ want to miss being a fly on the wall in this transparent and candid conversation with a top producing agent who built his skill working in restaurants and the education system! Chapters 00:00 Introduction to Joseph Hamer's Journey 02:35 Transitioning from Education to Real Estate 05:22 The Importance of Passion and Purpose 08:20 Early Success in Real Estate 11:21 Building Relationships and Networking 13:55 Understanding Client Needs 16:49 Learning from Mistakes and Growth 19:29 The Value of Teamwork in Real Estate 22:07 Navigating the Real Estate Market 24:53 Tax Strategies for Real Estate Professionals 27:59 The Role of Personal Development 30:41 The Evolution of Real Estate Teams 33:29 Finding Your Niche in Real Estate 36:14 Advice for New Realtors 39:05 Wichita Real Estate Market Insights 41:35 Final Thoughts and Advice Follow David @DavidGreene DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join STR Management [email protected] Investor Retreat DavidGreene24.com/retreat      

Transcribed - Published: 1 July 2025

Summary As residential RE takes a hit, is commercial RE the right option for you? Today’s show covers different CRE options, how it’s evaluated, and who should consider investing in it. If you’ve been considering getting into the space, now might be the perfect time. Check out today’s show now. Chapters 00:00 Introduction to Commercial Real Estate 02:27 Current Trends in Commercial Real Estate 04:38 Understanding Commercial Loans 07:09 Valuation Differences: Commercial vs Residential 11:00 The Importance of Cap Rates 15:39 Strategies for Success in Commercial Real Estate 18:38 Reasons to Invest in Commercial Real Estate 22:03 Tax Benefits of Commercial Real Estate 24:09 Market Opportunities in Commercial Real Estate Follow David @DavidGreene DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join STR Management [email protected] Investor Retreat DavidGreene24.com/retreat

Transcribed - Published: 30 June 2025

Summary On this week' s show, David is joined by Jordan Moorhead, a real estate agent/investor in Austin, TX who helps buyers and sellers in Austin and invests there himself. Jordan shares what’s going on locally, what the active to pending home sales ratio looks like, and what he’s doing to survive in the market as an agent while times are tough. David and Jordan tackle the economics of Austin, Texas - how to handle a career with constant highs and lows, and principles he learned as a child to help him stay humble when he’s making money and safe when he’s not. If you’re an agent who’s worried about what to do in a market with less transactions happening, this content is for you! Chapters 00:00 Introduction to Real Estate Dynamics 02:00 The Rise of Austin's Real Estate Market 05:53 Market Corrections and Affordability Challenges 09:34 Navigating the Current Market Landscape 13:34 Building Resilience in Real Estate 17:30 Effective Time Management for Agents 21:13 The Importance of Being Useful in Real Estate 26:08 Adapting to Feedback and Growth 27:54 Learning from Mentors in Real Estate 29:23 The Importance of a Strong Foundation 30:44 Navigating a Competitive Market 31:40 Identifying Opportunities in Real Estate 33:44 New Builds vs. Fixer-Uppers 38:19 Strategies for Finding Fixer-Uppers 40:26 Writing Offers and Negotiation Tactics 44:48 The Future of Austin Real Estate   Follow David @DavidGreene   DavidGreene24.com RealTalkRealEstate.com   Podcast-The David Greene Show Spotify, Apple Podcasts   Book a session with David: [email protected]   Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app   Real Estate University: SpartanLeague.com   Join my Free Newsletter: Davidgreene24.com/textletter   Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage   Free Textletter DavidGreene24.com/join   STR Management [email protected]   Investor Retreat DavidGreene24.com/retreat  

Transcribed - Published: 24 June 2025

Summary Have you ever thought you had a good loan only to sit down to sign your closing documents and realized the fees or rate were significantly higher than you expected? That doesn’t happen by accident. It’s by design. In today’s show, David and Christian break down exactly how this happens, how you can avoid it, and how to read a loan estimate. This is definitely a show you won’t want to miss. If you’re listening on apple or Spotify, considering looking it up on YouTube where you can see the screen shared and follow along. Be sure to listen all the way to the end where two additional scams to rip off borrowers are shared. This episode is so good you’ll want to share it with others, download now! Chapters 00:00 Introduction to Loan Estimates 02:56 Understanding Loan Costs and Fees 05:54 Exploring VA Loans and Their Benefits 08:53 Breaking Down the Loan Estimate Structure 11:53 Closing Costs and Cash to Close Explained 15:14 Navigating Third-Party Fees and Charges 17:45 The Importance of Transparency in Lending 21:06 Understanding Escrow Accounts and Payments 24:12 The Role of Lender Credits and Rate Structures 27:09 Common Pitfalls in Mortgage Lending 29:53 Final Thoughts and Resources Follow David @DavidGreene DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join STR Management [email protected] Investor Retreat DavidGreene24.com/retreat

Transcribed - Published: 23 June 2025

Summary On today’s show David covers a broad spectrum of topics including the STR market, why home prices are falling, and how to use content from his new book to help analyze deals. He covers questions from listeners about equity, partnerships, and structuring business entities as well as how to handle an insurance premium rising on a property with a 3% interest rate you definitely don’t want to lose. You’ll get a market update, relevant RE news, and also funny comments and questions from his social media and YouTube videos. All that, as well as a special discount code to stay in one of the cabins/houses he manages, on today’s show. Download now! Chapters 00:00 Navigating Economic Challenges in Real Estate 04:08 Understanding and Utilizing Equity 09:48 Partnership Dynamics in Real Estate 19:51 Airbnb Insurance Dilemmas and Solutions 26:42 Navigating Short-Term Rental Challenges 31:52 Understanding Loan Classifications and Strategies 39:22 Analyzing the Current Real Estate Market 41:07 Mortgage Rates and Housing Inventory Trends 45:49 Price Reductions and Market Dynamics 51:51 Engaging with the Short-Term Rental Community Follow David @DavidGreene DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join STR Management [email protected] Investor Retreat DavidGreene24.com/retreat

Transcribed - Published: 19 June 2025

Summary If you’ve ever heard the phrase “non QM loan” but had no idea what it meant, this episode is for you! David and Christian break down several popular non-QM loans and how they are best utilized while providing real life examples of borrowers of the one brokerage who put deals together using different loan products. If you want to see why so many have chosen The One Brokerage to finance their RE, and how they’re building wealth doing so, this episode is for you. Chapters 00:00 Introduction to Non-QM Loans 01:17 Understanding DSCR Loans 05:04 Exploring Commercial Loans 07:00 Ideal Borrowers for DSCR Loans 08:30 The Concept of Bridge Loans 11:21 Home Equity Lines of Credit (HELOCs) 12:56 Fusion Loans Explained 14:43 Bank Statement Loans for Business Owners 17:45 Foreign National Loans Overview   Follow David @DavidGreene   DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David [email protected] Ask a Question DavidGreene24.com/ask Find me on the “minnect” app Real Estate University SpartanLeague.com Join my Free Newsletter Davidgreene24.com/textletter  Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join STR Management [email protected] Investor Retreat DavidGreene24.com/retreat  

Transcribed - Published: 16 June 2025

Summary If you’ve ever heard the phrase “non QM loan” but had no idea what it meant, this episode is for you! David and Christian break down several popular non-QM loans and how they are best utilized while providing real life examples of borrowers of the one brokerage who put deals together using different loan products. If you want to see why so many have chosen The One Brokerage to finance their RE, and how they’re building wealth doing so, this episode is for you. Chapters 00:00 Introduction to Non-QM Loans 01:17 Understanding DSCR Loans 05:04 Exploring Commercial Loans 07:00 Ideal Borrowers for DSCR Loans 08:30 The Concept of Bridge Loans 11:21 Home Equity Lines of Credit (HELOCs) 12:56 Fusion Loans Explained 14:43 Bank Statement Loans for Business Owners 17:45 Foreign National Loans Overview   Follow David @DavidGreene   DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David [email protected] Ask a Question DavidGreene24.com/ask Find me on the “minnect” app Real Estate University SpartanLeague.com Join my Free Newsletter Davidgreene24.com/textletter  Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join STR Management [email protected] Investor Retreat DavidGreene24.com/retreat  

Transcribed - Published: 16 June 2025

Summary Moody’s had decided to downgrade the US credit rating, citing the increasing burden of the US budget deficit. The markets responded by immediately raising mortgage rates. Today’s episode covers why this happens, what’s going on globally that could affect mortgage rates, and what to expect if these downgrades continue. Download today! Chapters 00:00 U.S. Debt Downgrade: A Historical Moment 02:56 Understanding Credit Ratings and Their Impact 06:12 The Implications of U.S. Debt on Mortgage Rates 08:49 Economic Climate and Its Effects on Real Estate 11:55 The Role of the Dollar as the Reserve Currency 15:12 Potential Global Economic Shifts and Their Consequences 18:04 The Importance of Defensive Investing 21:02 Current Real Estate Opportunities and Strategies Follow David @DavidGreene   DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David [email protected] Ask a Question DavidGreene24.com/ask Find me on the “minnect” app Real Estate University SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join

Transcribed - Published: 9 June 2025

Summary Today’s Seeing Greene has great listener questions regarding morality in RE, if now is a good time to take a HELOC on a primary to get into the game, and what the heck is happening in the Florida RE market. David covers news update from the department of Housing and Urban Development and the NAR ruling that changed how commissions are paid in RE. If you’re looking for straight talk about the RE market and want to smile while you listen, download this one today! Chapters 00:00 Introduction to Real Talk Real Estate 01:23 Navigating Morality in Business 05:33 Starting in Real Estate Investing 11:59 Challenges in the Florida Real Estate Market 19:26 Real Estate Market Trends and Strategies 25:49 Current Events in Real Estate News Follow David @DavidGreene DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join

Transcribed - Published: 5 June 2025

Summary The Big Beautiful Bill has passed and it’s got some pretty big changes for the American economy! In today’s episode, David and Christian talk about the content in the Big Beautiful Bill and how it is likely to impact the US economy and the RE market. From reducing taxes to increased production in specific economic sectors, the bill is likely to create opportunities in new markets. RE investors will love todays’ show highlighting what to expect and how to get ahead. Chapters 00:00 Introduction to the Big Beautiful Bill 02:01 Impact on the Mortgage Industry 09:40 Tax Changes and Real Estate 17:36 Healthcare and Social Programs 23:42 Student Loan Overhaul and Economic Implications 24:08 Energy and Resource Development 28:53 Conclusion and Call to Action Follow David: @DavidGreene DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join STR Management [email protected] Investor Retreat DavidGreene24.com/retreat

Transcribed - Published: 2 June 2025

Summary In today’s episode with Danyl Foulger we get into the things every new realtor should have been told when they started, but likely weren't. Danyl’s passion for excellence in RE really shines in this show where we get into really good content to help agents be better and close more deals. Daniel shares stories of painful lessons she learned as a 19 year old agent not meeting expectations of her client, communication strategies and profiles like the DISC, and how to correctly price a home to list-as well as how to have the conversation when the client thinks differently. The conversation with Danyl is exciting, interesting, and insightful. You’ll be encouraged after listening. Chapters Chapters 00:00 Introduction to Real Estate Wealth Building 00:29 Meet Daniel Folger: A Realtor's Journey 01:40 Navigating the Competitive Salt Lake City Market 03:22 Creating a Luxury Experience for First-Time Buyers 05:32 The Importance of Being an Advisor, Not Just an Agent 07:12 Building Long-Term Relationships in Real Estate 09:00 Pricing Strategies: The Art of Listing Homes 12:23 The Triangle Theory: Aligning Client Expectations 15:15 Customized Communication: Tailoring Your Approach 18:47 Understanding Personality Types in Real Estate 24:02 Learning from Mistakes: A Realtor's Growth Story 28:11 Current Challenges in the Utah Real Estate Market 31:16 Creative Solutions for a Slow Market 33:45 Conclusion: Embracing Challenges for Growth Follow David: @DavidGreene   DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join

Transcribed - Published: 13 May 2025

Mom, wife, friend, RE agent, investor, and more. Today’s guest Kelly Skeval shares how she has sold 25 homes in 2025 and we’re not even ⅓ of the way through. Not only will you love Kelly’s humble, sweet, and transparent approach to her business, you’ll be amazed how she’s running her business without selling out her family, fitness, or relationships. Kelly and David talk about how to create candid relationships with others, hiring practices, what to look for in an assistant, and even how Kelly was able to help the owners of her crossfit gym buy a new building using her as the agent. If you’re a realtor who wants to figure out how to increase their business without sacrificing the things that really matter in life you’ll love this episode. Chapters 00:00 Introduction to Kelly Skevel and Her Journey 03:00 Balancing Family, Fitness, and Real Estate 05:52 The Importance of Building Relationships in Real Estate 08:49 Finding Success Through Authenticity and Trust 12:08 Navigating the Real Estate Market and Client Relationships 14:53 The Role of Support Staff in Real Estate Success 24:38 The Importance of Client Focus 27:52 Strategies for Client-Centric Business Growth 32:30 Communication and Accountability in Real Estate 40:43 Investing in Real Estate: A Path to Wealth 48:32 Becoming a Versatile Real Estate Professional Follow David: @DavidGreene DavidGreene24.com Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage 

Transcribed - Published: 6 May 2025

Summary Trade wars are picking up steam and concerns about the financial impacts of the new economic structure are dominating news cycles. In today’s show, David and Christian discuss the very real likelihood mortgage rates may be increasing, and more specifically, what to monitor to see if they do. From the trade war with China, to potential economic allies, to the future of the stock market, we get into it all-and how it could all directly impact mortgage rates and future RE prices. Chapters 00:00 Introduction and Hiring Announcement 01:22 Interest Rates and Economic Factors 04:33 China's Influence on US Treasuries 08:28 Japan's Role in US Debt 11:18 Inflation and Interest Rates 13:39 Political Dynamics Affecting Rates 15:28 Stock Market and Mortgage Rates 18:21 Short-term vs Long-term Rate Predictions Follow David: @DavidGreene DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage 

Transcribed - Published: 5 May 2025

Show Summary Hard hitting show! UFC legend, the real Brooklyn gangster Al Iaquinta joins David Greene to answer listener questions, read show comments, and share up to date news stories related to RE. Dave and Al tag team today’s show to bring insight, encouragement, and fun to this challenging RE market and remind all of us why we choose real estate and why it’s worth sticking with! Chapters 00:00 Introduction to Real Estate Insights 01:25 Navigating Faith and Business Partnerships 07:09 Exit Strategies for Real Estate Teams 12:23 Structuring Real Estate Partnerships 16:57 Evaluating Market Risks in Real Estate Investments 24:00 Understanding Financing Challenges in Real Estate 28:05 Exploring the Florida-Alabama Real Estate Scene 30:46 The Future of Alabama Real Estate 32:52 The Role of AI in Real Estate 38:04 Trade Wars and Their Impact on Real Estate 40:00 The Coming Housing Boom 44:43 Navigating Tariffs and Construction Costs 51:09 Political Influences on Real Estate 52:24 The Rise of Alternative Investment Vehicles Follow David @DavidGreene DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join

Transcribed - Published: 1 May 2025

Summary In today’s episode I interview former UFC fighter and top producing NY RE agent, Al Iaquinta. Despite his impressive UFC credentials as a professional athlete, Al’s story in incredibly relatable. Al grew up near Long Island NY as the son of a local high school football coach then became famous in the fight community for his impressive MMA credentials at a national level. Once his fight career ended, Al returned to one of his first loves-real estate. Remembering his first experience buying a home with his friend’s mother as his agent, Al got his RE license and hit the ground running selling houses in his hometown of Wantaugh NY. Al now runs a brokerage and produces RE himself with a close knit group of realtors working for him. In today’s episode Al and I discuss how to get more deals out of your sphere, how he follows up with leads, how he gets listings, and what he does to stand out to buyers and sellers talking to multiple agents. If you’re looking for a blueprint to follow to increase your business, download and listen to this one today! Chapters 00:00 Introduction to Al Iaquinta's Journey 02:58 Building a Local Brokerage with Community Roots 05:49 The Importance of Relationships in Real Estate 09:11 Training and Mentorship for New Agents 12:05 The Art of Real Estate: Learning Through Experience 15:03 Client Relationships: Beyond Transactions 18:07 Navigating the Challenges of New Agents 20:58 The Shift in Real Estate Dynamics 24:13 Conclusion: The Future of Real Estate 25:42 Understanding the Real Estate Game 28:30 The Importance of CRM Systems 30:08 Standing Out in a Competitive Market 33:02 Building Trust with Buyers 34:56 Case Studies: Successful Listings 37:20 The Value of Humility in Real Estate 40:06 Managing Buyer Expectations 42:10 Navigating Difficult Conversations 50:41 Conclusion and Contact Information Follow David @DavidGreene DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join STR Management - [email protected] Investor Retreat - DavidGreene24.com/retreat

Transcribed - Published: 29 April 2025

Summary In this episode of Mortgage Monday, hosts David Green and Christian Bouncer discuss the current state of tariffs and their significant impact on the real estate market, particularly mortgage rates. They explore how market volatility, investor behavior, and the bond market interplay with mortgage rates, providing insights and advice for homebuyers and those considering refinancing. The conversation emphasizes the importance of staying informed and proactive in a fluctuating market. Chapters 00:00 Introduction to Tariffs and Their Impact 03:12 Understanding Market Reactions to Tariffs 06:09 The Relationship Between Bonds and Mortgage Rates 08:55 Recent Market Volatility and Mortgage Rate Fluctuations 11:54 Investor Behavior and Market Predictions 14:50 Advice for Homebuyers and Refinancers 17:45 Conclusion and Call to Action Follow David @DavidGreene DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join STR Management [email protected] Investor Retreat DavidGreene24.com/retreat

Transcribed - Published: 28 April 2025

Summary In this episode of Real Talk Real Estate, David Greene addresses various listener questions regarding real estate investment strategies, market conditions, and personal financial planning. The conversation covers topics such as the sneaky rental strategy, equity management, cash-flowing properties, and the implications of market trends on investment decisions. David emphasizes the importance of cautious planning and adapting to current economic conditions while exploring opportunities in real estate. In this conversation, David Greene discusses various aspects of the housing market, including financial options for homeowners, the challenges posed by rising costs, and the role of government in housing. He addresses public sentiment regarding the housing market's stability and the need for adaptation in investment strategies. The conversation also touches on the future of rental assistance programs and the importance of American manufacturing in addressing economic challenges. Chapters 00:00 Introduction to Real Talk Real Estate 02:09 Trevor's Real Estate Dilemma 06:17 The Sneaky Rental Strategy 09:31 Mario's Equity and Future Plans 13:59 Wan Dao's Cash-Flowing Property 19:33 Kyle's Private Money Strategy 22:43 Exploring Financial Options for Homeowners 24:57 The Housing Crisis and Economic Challenges 26:47 The Role of Government in Housing 28:42 Navigating Political Commentary in Real Estate 30:39 Understanding the Housing Market Dynamics 32:56 The Future of Rental Assistance Programs 35:14 Current Trends in Housing Payments 39:59 Public Sentiment on Housing Market Stability 42:15 The Path Forward for American Manufacturing Podcast: The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “Minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate: www.The1Brokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter: DavidGreene24.com/join STR Management: [email protected] Investor Retreat: DavidGreene24.com/retreat Sponsor: Hospitable Vacation Rental Software www.hospitable.com Subscribe to The David Greene Show! Apple: https://podcasts.apple.com/us/podcast/the-david-greene-show/id1755485708 Spotify: https://open.spotify.com/show/5Nu6kCJTVzM2x2WsujqBOZ Submit your question for David: https://davidgreene24.com/ask

Transcribed - Published: 24 April 2025

Summary In today’s show, Angela Heydorn returns to discuss problems encountered in helping sell David’s properties! In a unique twist on traditional podcast interviews, Angela and David break down issues they encountered with various real estate agents and how they solved them. Today’s show offers a unique perspective of what it’s like to be on the other side of the table, experiencing a transaction from the perspective of the client. If you feel your business could benefit from a deeper understanding of how your actions are perceived by a client experienced in real estate, download this episode today. Chapters 00:00 Introduction to Real Talk Real Estate 02:10 Challenges in the Current Real Estate Market 03:20 Understanding Verbal Offers and Their Implications 07:44 Investor Offers and Property Valuation 10:53 Addressing Property Damage Concerns 15:17 The Importance of Communication in Real Estate 20:37 Navigating Inspection Reports and Buyer Concerns 22:57 The Emotional Rollercoaster of Real Estate Transactions 29:13 Navigating Buyer Concerns and Inspection Reports 34:14 The Importance of Accurate Listings 39:02 Handling Buyer Requests and Communication 42:56 Exemplary Agent Behavior and Client Management Follow David @DavidGreene DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate: TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join

Transcribed - Published: 22 April 2025