💙🤝❤️ Clinton County’s Republican and Democrat Committee Presidents joined the podcast to discuss Ohio Issue 1… Maybe you can relate to our journey on this issue: 1. We DIDN’T CARE (because we have other things in our lives to worry about) 😅 2. We CARED TOO MUCH (after reading our own political party’s propaganda) 🤬 3. We were EDUCATED about the thr…

Learn the secrets to buy and hold real estate investing in Wilmington. This class is Module 6 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: What are the different variations of the buy and hold real estate investing strategy? Variations based on down payments? Variations based on property types purch…

Nate Collett with Pot-Luck Greenhouse in Wilmington on OH-73 joins the podcast to share the story of his family's farm and growing their multiple businesses, including their garden center, mulch and gravel businesses, new shed business, and of course, their beloved Fall Festival.Kirjoittanut Real Change Wilmington

Learning how to correctly manage properties is a critical skill for landlords. This class is Module 5 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: What should you be doing to document the condition of the property before the next tenant takes possession? The one free thing that few landlords do that…

Father and son, Steve and Chad Rich with Rich Family Meats join the podcast to share their story of owning and growing a local butcher shop in Port William, Ohio. Steve grew up in the meat packing industry and is also the pastor of Jamestown Church of Christ where his "blue collar background" helps him be a better leader. Steve enjoys using they sk…

Tenant screeing... an important, but often overlooked skill. If you're going to manage properties yourself in Wilmington, you're going to need to know how to screen tenants. This class is Module 4 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: What are the 5 steps in the property management process? W…

We love interviewing local farmers who have a passion for sharing their AG experience with our community! Father and Daughter-In-Law Butch and Bethany Schappacher with Schappacher Farms join the podcast to share how they started and grew a hobby pumpkin farm in Mason, Ohio, and then retired for two years, just to start again from scratch after driv…

For us, trying to understand WHY Greg Pitzer and Darrell Perry continue to pursuit a sense of peace and justice for the death of Greg’s daughter, Casey Pitzer, has been like trying to drink from a “fire hose” of information and emotions… So, to simply help our community (and ourselves) understand the story (and logic) behind the “spectacle” online …

If you're going to manage properties yourself in Wilmington, you're going to need to know how to do the marketing to find tenants. This class is Module 3 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: The 6 “Property Management Mastery” modules included with this course. How to change your thinking ab…

“Do what you fear” - Kat Williams with EXP Realty joins the podcast to discuss what it takes to be a “hyper local” real estate agent, as well as news about the new ‘Creekview’ neighborhood at the old Drive-In property by DR Horton.Kirjoittanut Real Change Wilmington

Having a solid understanding of historical market stats is important for investing in real estate in Wilmington. This class is Module 2 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: Should you try to “time the market” using data to increase profitability? How much are properties selling for? Do prope…

Having a deep understanding of the 7 key real estate investing strategies is critically important for your success as a real estate investor in Wilmington. This class is Module 1 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: The 7 ways to invest in real estate… plus 2 more bonus strategies that we do…

Founder of Project TRUST, Jim Boland, joins the podcast to share how the program has been making a positive change in local schools over the years by hosting annual 3-day retreats for middle school students that are designed to help break down barriers between different social groups. The students then return to school with a newfound respect, trus…

There's a risk to just about everything in life... including investing in real estate. One risk that some real estate investors fear is the risk of buying a property having missed important, expensive issues with the property during the inspection period. In this class, James will discuss the risk of investing in real estate and specficially the ri…

If you're going to put less than 20% down when buying a property, the lender is likely to require that you pay private mortgage insurance (PMI) to protect them in case you default on the loan. This usually applies to Nomads™, house hackers, and investors putting 15% down to acquire non-owner-occupant properties. There are 3 ways to pay PMI: Monthly…

There's a risk to just about everything in life... including investing in real estate. One risk that some real estate investors fear is that rising mortgage interest rates will: Increase their mortgage payment and therefore hurt cash flow, or The rising mortgage interest rates will lower affordability and demand for properties, and therefore the va…

Owners of Wheelies on Mulberry, Josh and Terri Schlabach, join the podcast to share their inspiring story of believing in each other, taking risks, and starting a bike shop for our community that has also blessed their family in unexpected ways.Kirjoittanut Real Change Wilmington

In this special class about the dangers, risks and warnings of investing in real estate: The #1 fear that keeps potential landlords and new real estate investors up at night! Expert insights on why this fear is more common among inexperienced landlords and investors in challenging real estate markets. Real-life horror stories of tenants causing sig…

Jacob Schmidt and Tyler Kuhbander from Smitty's Detail Shop & Schmidt's Automotive, join the podcast to share their story of opening a one-stop automotive shop, focused on five-star service and convenience. “We're just trying to show the community that you don't [have] to be scared going to an automotive shop. Come on in, [and] let us show you what…

Interested in learning how to analyze deals using The World's Greatest Real Estate Deal Analysis Spreadsheet™? Specifically, do you need to know how to analyze a deal purchased with an interest-only loan? In this special deal analysis, you will: Discover the secret strategy for analyzing the purchase of a rental property with an interest-only loan …

Owner of For The Love Of Ink, Chris Walls, joins the podcast to share his story of opening a family-friendly and community-focused tattoo and body piercing shop. “My morals are basically just, ‘loving everybody and treating people good’. I’m not a perfect man by any means (ask my wife, she’ll tell ya), [but] I do the best I can to treat people righ…

Life has risks. Investing adds new risks. Investing in real estate adds new risks specific to real estate investing. One risk that is unique to real estate investing is the risk of buying a stigmatized property or having a property become stigmatized while you own it. In this class, James will: Uncover hidden gems in the real estate market and turn…

Jason Stoops and Lee Sandlin join us on the podcast to talk about their upcoming School Supply Drive and the history of the program. This is a great episode for those interested in learning about community resources available during back-to-school time!Kirjoittanut Real Change Wilmington

Real Estate Investing Through Massive Foreclosure Periods Join us for an exclusive episode of the REFP podcast, focusing on "Real Estate Investing Through Massive Foreclosure Periods." In this enlightening episode, you'll dive into the following insights: Discover the secret to making money during economic downturns, a strategy that can set you apa…

Deal Alchemy™ - Debt Paydown to Cash Flow Join us for an exciting and enlightening class with James Orr as he delves into the fascinating world of Deal Alchemy™. In this class, listeners will discover a surprisingly powerful strategy that has the potential to drastically improve cash flow on rental properties. Whether you're considering buying a ne…

Happy Cow’s Creamery owner, Donal Bickel, joins the podcast to share the story of Clinton County’s LAST dairy farm and how his family made a “real change” from selling 100% their milk to a co-op in West Virginia to now selling their milk direct-to-consumer and even opening their own retail store during COVID. Donald also shared how his family recen…

Tax Deductibility of PMI Payments Are you an owner-occupant puzzled by the ever-changing rules around PMI (Private Mortgage Insurance) deductibility? Or perhaps an ambitious real estate investor, hungry to maximize your deductions and supercharge your profits? Then this class is your golden ticket to the world of tax wisdom! Join us for an exhilara…

Functional Obsolescence Unveiled: The Silent Value Killer in Real Estate Investments—and How to Defeat It! There's a often overlooked risk of investing in reale state: obsolescence. Whether we're focused on properties that are or will become functionally obsolete or drift directly into economic or physical obsolescence... these are real-world risks…

Caden Sauerbrey with Cowan Lake State Park joined the podcast to share information regarding his role as the park's naturalist, the amenities, and activities that our State Park has to offer! This is a great podcast for those interested in learning about free and inexpensive activities to participate in over the summer!…

Rachel Jarman with Bank Barn Meats joins the podcast to share how she bought her family’s farm and raises lamb meat that has been served at Kava Haus, Lumberton General Store, Trail Haus, and the Clinton County Farmers Market! This is a great podcast for anyone interested in learning about a local farmer or starting their own farm!…

How to Analyze an All-Cash Rental Property Purchase Deal analysis is important. Learning how to analyze deals is a critical skill for all real estate investors, whether you're financing 100% of the purchase or buying a property without a loan at all and paying all cash. In this class, we will look at how deal analysis changes when you plan to buy a…

How Return on Investment Changes Based on Credit Score With PMI Does your credit score really matter when you're buying rental properties? Sure, your credit score impacts the mortgage interest rate you can get with traditional mortgages. And yes, your credit score affects how much private mortgage insurance (PMI) will cost. Your credit score can al…

Bruce Saunders with Clinton County Trails Coalition visits the Real Change Wilmington Podcast to share how the organization got started and what the vision is for Wilmington's trails. Learn more about Clinton County Trails Coalition at clintoncountytrails.org.Kirjoittanut Real Change Wilmington

So, are you stressing out over higher mortgage interest rates and properties not cash flowing as well as they used to, or in some markets, not having positive cash flow at all... even with 25% down? What's a real estate investor seeking financial independence to do? In this class, we will compare two strategies. In both strategies, you first buy an…

Tracy D Kelley joined us on the podcast to explain the benefits and details of direct pay primary care.Kirjoittanut Real Change Wilmington

So, you're considering Nomading™. Excellent! But as you dig into the details, you may wonder what the impact would be if you chose to buy a more desirable, higher quality, but maybe less optimal property at full price (without a discount), versus focusing on finding a slightly less desirable, slightly lower quality, but slightly more optimized rent…

Deal Alchemy™ - Black Box Cash Flow Deal Alchemy™ is all about manipulating returns to get the returns you desire most. One variation of Deal Alchemy™ has you think about your rental property investment as a black box. You put money into the black box, some magical things happen over the next few years and out pops profit which you can spend like c…

Stephanie Hughes and Jeff Linkous with Clinton Swim & Tennis Club joined us on the podcast to share the history and importance of Wilmington's community pool.Kirjoittanut Real Change Wilmington

Warning - Risks of Rental Demand Declining When Investing in Real Estate Risk, risk, risk... Life is full of risks. To a limited degree, we get to choose which risks we voluntarily take on. For example, if you choose to invest in real estate, you choose to take on some additional risks that you might not—directly—face if you opt to invest in someth…

Private Mortgage Insurance Myths Reputation can be a challenging thing. I have found, through many conversations with clients over the years, that Private Mortgage Insurance (PMI) has a questionable reputation with home buyers in general and investors in particular. However, much of its reputation is based on half-truths, bad information, lies, and…

Cassie DeBoard is the NEW(ish) director of Sunshine Christian School inside Wilmington Church of Christ at 909 W Locust Street. She stops by the podcast to share what’s new on the school’s horizon. Cassie has a Masters Degree in Early Childhood Education and 6-years of teaching experience in public school. She hopes to help the school will be known…

Warning - Risks of Neighborhood Decline When Investing in Real Estate Everything in life has risks. Not investing adds certain types of risks, while investing adds other risks. One risk that some real estate investors face is the possibility that the neighborhood they're investing in will decline, causing values and/or rents to drop. So, how do we …

How to Analyze a Duplex Some real estate investors are sensitive to their ability to get ten 30-year fixed rate financing loans and would prefer to fill those loan spots with larger purchases than just single family rental homes. One way to do that is to buy more expensive properties like duplexes, triplexes or fourplexes. In this class, James will…

How to Calculate PMI If you're a house hacker, Nomad™, investor buying properties with less than 20% down, or buying creatively where the seller has PMI, you'll want to make sure you know how to analyze deals that have Private Mortgage Insurance. In this mini-class, James will cover how to analyze deals that have PMI, with an emphasis on doing it u…

Karen Long and Elizabeth Huber with Clinton County Literacy Foundation stop by the podcast to share their passion for reading and journey from laundromat libraries to a 501(c)(3) registered nonprofit.Kirjoittanut Real Change Wilmington

In many cases—not all, but many cases—real estate investors can speed up the time it takes to become financially independent by choosing to pay off the mortgages on their properties early. Sometimes it makes sense to take every extra dollar beyond a healthy amount of reserves and aggressively pay off properties as quickly as possible. Other times, …

Deal Alchemy™ - Residential vs Commercial Property Deal Alchemy™ is all about manipulating the returns you're earning on your investments. Often, this is done through the choices we make when selecting the investment property and the strategies we choose to implement. For example, you could choose to invest in residential properties where your tena…

Warning - Risks of Loan Called Due When Investing in Real Estate Investing in real estate adds some risk to an already risk-filled life. However, certain activities and strategies when investing in real estate create additional risks that other strategies and activities do not have. For example, choosing to utilize strategies where the lender has t…

Cassi Carter, Director of Wilmington College Community Gardens, stops by the podcast to share about her passion for gardening and sustainability. Contact growhealth7@gmail.com to sign-up for a free garden bed and join a supportive community. 🍎 Apple: https://bit.ly/rcwp-apple 🤖 Google: https://bit.ly/rcwp-google 🟢 Spotify: https://bit.ly/rcwp-spoti…

How to Analyze Buying a Rental Property at a Discount in Wilmington Some real estate investors insist on only buying properties where they can purchase them at a significant discount. While not mutually exclusive, other investors insist on buying quality properties at a fair price as long as it gets them their desired returns and will stand the tes…