Radio Show Notes 02/11/26 Wednesday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Midweek Market Report: Mortgage Rates Hold Steady — Why Credit Wins in a 6% Market
By Eric Willner, Investor, Coach, and Host of The Real Estate Show, America’s longest running daily radio show about real estate.
The Real Estate Show — Wednesday Midweek Mortgage & Market Report Edition
Welcome to The Real Estate Show – South Florida’s #1 Real Estate Radio Show and Americas longest running daily radio show about real estate. My name is Eric Willner, known as the Voice of Real Estate and founder of America’s longest running daily radio show about real estate and also creator of The Automatic Landlord System for Owning Cash Flowing Real Estate “Profitably and Hassle-Free”. This show is a virtual real estate seminar in every episode.
This is the Wednesday Midweek Mortgage & Market Report Edition of The Real Estate Show, and it’s where we continue to talk about why NOW is the right time to buy real estate and why, as laid out on Monday, you should Love Your Future: Why Good Credit Is the Most Underrated Advantage in Real Estate.
Let me say this clearly:Everyone is IN Real Estate! Every one either OWNS IT or is ON IT.
Either you are IN Real Estate because you OWN it. You searched it, negotiated it, closed on it, and now you enjoy the pride of ownership, tax benefits, leverage, and long-term appreciation.
Or you are ON Real Estate, and either through direct rent payments, or indirectly through working for an employer who pays the rent of your workplace, you are paying those who are IN Real Estate!
The Bottom Line
For a homeowner who pays off their mortgage, financial freedom means living on a dramatically reduced budget, making retirement far more attainable.For a renter, financial freedom requires building and investing a much larger nest egg to generate enough income to cover a perpetual, ever-increasing rent payment.
And this is where today’s theme matters more than ever:
Love Your Future: Why Good Credit Is the Most Underrated Advantage in Real Estate
Good credit is not sexy. It’s not flashy. It doesn’t make headlines.But it is leverage.It is speed.It is negotiating power.It is optionality.
And optionality is freedom.
Did You Know?
Let me ask you three powerful, newsworthy, market-driven questions:
Did you know that in a market where rates are hovering just above 6%, a 100-point difference in credit score can cost you tens of thousands of dollars over the life of a loan — even if rates don’t change?
Did you know that as FHA demand rises due to affordability challenges, borrowers with stronger credit profiles are still qualifying for better terms and more flexibility, even in a tight market?
Did you know that in a market where homebuyers are backing out of contracts at the fastest pace in years, the buyers with strong credit are often the ones staying in control, negotiating better deals, and closing with confidence?
Today’s show is about:
—and how very important knowing how that works is to a plan that leads to success in real estate.
Before We Get Into the Meat of the Show…
Let me remind you of this week’s special FREE Workshops:
1?? 1st and 3rd Tuesdays 8pm – Path To Home Ownership IntroductionOnline by Invitation.Text Path to 561-861-2366
Do finances challenge you? Most people say YES!!So HERE is The Financial Edge. It’s the education and knowledge that moves the needle. We are your Financial Team. Let’s talk about it.
Join us every Wednesday Night at 8pm Eastern by texting “Edge” to 561-861-2366.
You will see that we believe in a 3-pronged approach:
2?? Every Wednesday night 8:30pm – Financial Edge Academy “101 Overview”Online by Invitation.Text Edge to 561-861-2366
Here Are the Top Trending Topics for Today’s Update
From recent national reports:
“Today’s national 30-year mortgage interest rate trends:”
On Wednesday, February 11, 2026, the average interest rate for a 30-year fixed mortgage is 6.12% — down 10 basis points.If you’re refinancing, the average 30-year refinance rate is 6.53% — up 46 basis points.
In summary? Another flat week.And flat equals stability.
Since rates hit a 2025 low of 6.25% in late October, they haven’t changed much.
That’s not volatility.That’s a range.
And according to economists at the Mortgage Bankers Association, Fannie Mae, and others, rates are likely to remain between 6% and 6.5% for most of the year.
Michael Fratantoni of the MBA says:
“Mortgage rates will likely remain in a relatively narrow trading range for the foreseeable future.”
Translation?This is the environment. Plan accordingly.
A spike in home sales likely happens only if rates fall below 6%, says Bill Banfield of Rocket Mortgage:
“When rates fall below 5.99%, demand rises by about 30%.”
Which tells us something powerful.
The difference between 6.12% and 5.63% (a top rate offer currently visible in the market) is not about luck.It’s about preparation.It’s about credit.It’s about qualification strength.
National averages today:
When would NOW be a great time to consult your mortgage professional?
Whether you need a mortgage now or plan to get one in the next year or two, it’s crucial to compare offers. Text us “Loan” to 561-861-2366.
And here’s something else:
Whether you need a mortgage now or plan to get one in the next year or two, it’s crucial to prepare early and get a PQ to see where you stand.
PLUS we have special INSIDE information on 2 new mortgage products about to take the U.S. by storm and a DPA program — including soft credit pull options.
MID-SHOW CALL TO ACTION
If you want clarity, strategy, and inside access —Text EDGE to 561-861-2366.
This is not about guessing.This is about building.
Big News — First Article
Rewritten Headline in My Voice:
“FHA Loan Demand Is Rising — And It’s Telling Us Something About Affordability”
Key Points Reframed:
Mortgage demand overall was flat, but here’s what’s interesting:
Borrowers are shifting to products that provide savings.
Refinances rose 1% week-over-week and are up 101% year-over-year.That tells you something.
People are watching rates.They’re calculating.They’re acting when savings justify it.
Joel Kan from the MBA noted:
“Borrowers are increasingly utilizing FHA loans as affordability challenges remain.”
And here’s what that means in plain English:
Affordability is tight.But people still want to buy.They’re just being strategic.
ARM share increased to 8%.Why? Because ARMs are nearly a full percentage point lower than fixed.
Matthew Graham of Mortgage News Daily said:
“If the jobs report is weaker than expected, there’s room for rates to rally lower.”
Translation?
This market is poised for movement.
And when it moves, the prepared buyer wins.
Prepared means:
This is why today’s theme matters.
Good credit does not guarantee a low rate.But it guarantees access to the best available options.
And in a stable rate environment, option control equals advantage.
You can still check it and more out at AutomaticLandlord.com.
Next Article
Rewritten Headline:
“Homebuyers Are Backing Out at the Fastest Pace in Years — And That’s Opportunity”
Summary Points Rewritten:
What does that mean?
Serious headwinds in housing are creating hesitation.
Chen Zhao of Redfin said:
“High housing costs and rising inventory have made homebuyers more selective.”
That’s not panic.That’s leverage shifting.
When sellers outnumber buyers by 631,535 homes, buyers have negotiating power.
This is not a crash.This is a recalibration.
And in recalibration markets, strong credit wins.
Why?
Because:
Closed sales may be weak early in the year.That creates breathing room for prepared buyers.
And prepared buyers are not scrambling at the last minute to fix their credit.
They already loved their future.
FINAL CALL TO ACTION
If you want to be one of those prepared buyers —Text EDGE to 561-861-2366.
Let’s build your plan now.
Conclusion
Thank you for listening.
But don’t just listen — use our show to get started in real estate investing.
Tune in every weekday to The Real Estate Show — a literal seminar in every episode.
Join us tomorrow for the ATM Edition – About The Money, where we break down how to turn strategy into cash flow.
And share this show with someone who should own real estate — because everyone is IN real estate.
The only question is:
Are you owning it — or paying for it?
Let’s build.
Radio Show Notes 02/10/26 Tuesday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Credit Is Love: The 5 Simple Habits That Raise Credit Scores Faster Than Most People Think
OPENING — SETTING THE TABLE
Welcome to The Real Estate Show — South Florida’s #1 Real Estate Radio Show and America’s longest-running daily radio show about real estate.It’s a virtual mini-seminar in every single episode.
I’m your host, Eric Willner, The Voice of Real Estate and creator of The Automatic Landlord System for owning cash-flowing real estate profitably and hassle-free.
And today is Tuesday, which means it’s Tools, Tips & Techniques — the day we move from mindset to mechanics.This is where inspiration turns into instruction.
This week’s theme is Credit Is Love.And if Monday was about why fixing your credit is an act of self-respect, today is about how to actually do it — without overwhelm, without shame, and without guessing.
Because here’s the truth that most people need to hear:
Most people don’t need motivation.They need a system.
Motivation fades.Systems compound.
THE CREDIT TRUTH NOBODY TELLS YOU
Let me say this plainly.
Credit improvement is not mysterious.It’s not random.And it’s definitely not luck.
Credit scores respond to five predictable behaviors.That’s it.
And when those behaviors are handled correctly, scores improve — often much faster than people expect.
I’ve watched people:
And then make meaningful progress in 60 to 120 days once they understood the rules.
Not because they became different people —but because they finally got a framework.
That’s why today’s show is called:
“The 5 Simple Habits That Raise Credit Scores Faster Than Most People Think.”
These aren’t hacks.They’re habits.
And habits are repeatable.
HABIT #1 — UTILIZATION IS KING (06:00–10:00)
If you only remember one thing from today’s show, make it this:
Utilization is the fastest lever you control.
Utilization simply means:
How much of your available credit you’re using.
Here’s the basic rule:
Now here’s what most people completely misunderstand:
You do not need to pay cards off to zero. You need to rebalance them.
One maxed-out card hurts your score more than three cards lightly used.
Example:If you have a $10,000 limit and a $7,000 balance on one card, that’s a 70% utilization — even if your overall credit looks “okay.”
A builder thinks differently.
Builder move:
This single habit alone can move scores 30–80 points — sometimes faster than anything else.
That’s not hype.That’s math.
HABIT #2 — PAYMENT TIMING BEATS PAYMENT AMOUNT
Most people think paying on time is enough.
It’s not.
When you pay matters just as much as that you pay.
Here’s why.
Credit bureaus don’t capture balances on your due date.They capture balances when your statement closes.
So if you:
Your credit report may still show a high balance, even though you “paid on time.”
That’s why builders do this instead:
This is a perfect example of why I say:
Credit rewards timing, not effort.
You can work hard and still report poorly.Or you can work smart and report clean.
That’s why credit is mechanical.
HABIT #3 — AGE IS POWER
Credit loves relationships that last.
The longer an account stays open, active, and healthy, the more it helps you.
This is why:
Your oldest accounts anchor your profile.
From a builder’s perspective:
Old credit is an asset.
You don’t destroy assets — you manage them.
Even if you don’t use an old card often, keeping it open with a small, controlled balance can strengthen your profile over time.
MID-SHOW SPONSOR BREAK
Today’s Real Estate Show — and better credit — is brought to you by TimeToFixMyCredit.
If you’ve been avoiding your credit because you don’t know where to start, this is where clarity begins.
And don’t forget — you can text EDGE to 561-861-2366 to join our Financial Edge community and get invitations to upcoming workshops.
HABIT #4 — STRATEGIC MIX, NOT MORE CREDIT
Let’s clear up another myth.
You do not need:
What you need is structure.
At a minimum:
Credit mix is about balance, not quantity.
Adding random credit without a plan creates noise, not progress.
Builders add credit with intention, and only when it supports a larger goal — homeownership, investing, or business growth.
HABIT #5 — ACCURACY IS NON-NEGOTIABLE
Errors happen.
Outdated negatives happen.Duplicate accounts happen.Incorrect balances happen.
And inaccurate credit costs real money.
Higher rates.Larger payments.Denied approvals.
That’s why credit repair exists — not to game the system, but to enforce your legal right to fair and accurate reporting.
If it’s wrong — it should be corrected. Period.
This is also where professional guidance can:
You don’t have to do everything alone — but you do have to participate.
HOW THIS CONNECTS TO REAL ESTATE
Now let’s tie this back to real estate — because this is where credit becomes leverage.
Better credit means:
And builders understand this truth:
You don’t wait for the deal to fix your credit.You fix your credit so you’re ready when the deal appears.
That’s why we say credit is love.
Because it protects your future options.
CALL TO ACTION — TAKE THE NEXT STEP
If today’s show made things clearer — good.
Now take action.
Tonight at 8PM, we host our Path to Home Ownership Workshop, and credit is a major part of that conversation.
CLOSE:
Tomorrow on Wednesday’s Midweek Mortgage & Market Report, we connect credit to real-world rates, approvals, and investor advantage.
Because loving your credit means loving your rate.
And remember:
Real estate is the IDEAL investment. Period.
Let’s keep building.
Radio Show Notes 02/09/26 Monday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Credit Is Love: Why Fixing Your Credit Is the First Step to Financial Freedom
By Eric Willner, Investor and Host of The Real Estate Show, America’s longest running daily radio show about real estate.
I’m your host, Eric Willner, known as The Voice of Real Estate, creator of The Automatic Landlord System for owning cash-flowing real estate profitably and hassle-free.
And today is Monday — which means it’s Monday On A Mission.
Now let me frame this week for you, because this is one of the most important weeks we do all year.
This week’s theme is simple, emotional, practical, and incredibly powerful:
Credit Is Love: The Simplest Gift You Can Give Your Financial Future.
With Valentine’s Day right around the corner, everyone’s thinking about love — cards, flowers, dinners, gifts.But what if I told you the most meaningful gift you could give yourself, your partner, your family, and your future… isn’t wrapped in a box?
What if I told you it shows up quietly — in lower payments, better terms, more options, and less stress?
Because today’s mission is this:
Fixing your credit is not about shame. It’s about self-respect. And it’s one of the fastest ways to change your financial life.
THE BIG REFRAME — CREDIT IS NOT A MORAL SCORE
Let’s clear something up right out of the gate.
Credit is not a character judgment.It’s not a report card on your worth.It’s not a scarlet letter.
Credit is simply a data file of past behavior — and behavior can be changed.
But here’s what happens to a lot of people.
They had:
And instead of fixing the relationship with credit…They avoid it.
And avoidance is expensive.
Because while you’re avoiding credit:
That’s why today’s mission is about self-respect.
Because loving your future self means not leaving them with fewer options than you had.
DID YOU KNOW? — CREDIT & REALITY CHECK
Let me hit you with a few Did You Know? moments.
Did you know a 100-point difference in credit score can cost you hundreds of thousands of dollars over a lifetime in higher interest?
Did you know most people who improve their credit meaningfully do it in months — not years — once they understand the rules?
Did you know lenders, insurers, landlords, and even employers are all silently pricing your risk — whether you’re paying attention or not?
That’s why credit is love.
Because credit touches:
WHY CREDIT IS SIMPLER THAN PEOPLE THINK
Here’s the myth I want to kill today:
“Credit is complicated.”
It’s not complicated.It’s mechanical.
Credit scores respond to math and behavior, not emotion.
A few core drivers:
That’s it.
Credit doesn’t care how hard you work.It doesn’t care how bad you feel.It responds to structure and consistency.
And once you understand that, the fear goes away.
This is why I tell people all the time:
“You don’t fix credit because you’re broken.You fix credit because you’re building.”
CREDIT AS LOVE — WHAT IT REALLY MEANS
Let’s talk about love for a moment.
Love is:
That’s exactly what fixing your credit is.
Because good credit:
Good credit is like having a strong relationship with money.Bad credit is like being in constant arguments with it.
And the wild part?
Most people are closer to good credit than they think — they just haven’t taken the first step.
Now let’s bring this home to real estate — because this is The Real Estate Show.
Real estate is the IDEAL investment:
But leverage only works when credit cooperates.
Good credit means:
And here’s the truth builders understand:
“You don’t wait until you find the deal to fix your credit.You fix your credit so you’re ready when the deal finds you.”
That’s why credit is not optional for builders.It’s foundational.
MISSION MOMENT — DECIDE WHO YOU’RE DOING THIS FOR
Let me ask you something personal.
Who are you really fixing your credit for?
Because love is making sure the people you care about don’t inherit financial stress.
And Monday On A Mission is about decisions, not motivation.
Today’s decision is simple:
I am no longer avoiding my credit. I am fixing the relationship. I am building options.
CALL TO ACTION — TAKE THE FIRST STEP
Here’s how you act on today’s mission.
If you want clarity, structure, and a real plan — not judgment — start here:
You don’t need perfection.You need participation.
CLOSE — SETTING THE WEEK UP
This week, we’re going deep.
Tomorrow on Tuesday Tools, Tips & Techniques, we break down the simple habits that raise scores faster than most people think.
Wednesday, we connect credit to rates and real-world mortgage math.
Thursday, we talk about why credit is the cheapest money you’ll ever access.
And Friday, we wrap it all up with:
“This Valentine’s Day, Give Yourself the Gift of Good Credit.”
Because it’s a stone-cold fact:
Real estate is the best investment. Period.It’s the IDEAL investment.
And loving your future starts with fixing the foundation.
Have a powerful Monday.Let’s build.
Radio Show Notes 02/06/26 Friday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Busy, Broke, or Building? Eric Willner’s Real Estate Show Weekly Wrap-Up Reveals the Difference
OPENING
Welcome to The Real Estate Show — South Florida’s #1 Real Estate Radio Show and America’s longest-running daily radio show about real estate. It’s a virtual mini-seminar in every single episode.
I’m your host, Eric Willner — The Voice of Real Estate, creator of The Automatic Landlord System for owning cash-flowing real estate profitably and hassle-free. And if you’ve been listening all week, you already know this hasn’t just been another week of shows.
This week’s shows have all centered around one powerful idea:
Busy, Broke, or Building? How to Tell Which Path You’re Actually On.
Because here’s the uncomfortable truth — most people are busy.A lot of people are broke.Very few are actually building.
And today — Friday — is where we connect the dots.
Today we’ll summarize each day’s highlights, wrap up the week, and most importantly, set you up for success in real estate next week. Not with hype. Not with theory. With clarity, systems, and a plan you can actually use.
ENGAGEMENT - “DID YOU KNOW?
Let me warm this up with a few Did You Know? questions that frame this entire week.
Did you know investor purchase activity is still near multi-year highs — and over 90% of those investors are everyday, small investors, not Wall Street?
Did you know refinance demand has jumped over 100% year-over-year, even with rates higher than people hoped — because strategy beats rate obsession?
Did you know the majority of financial stress in America isn’t caused by lack of income — it’s caused by lack of a written plan?
Every one of those points ties directly back to our theme.Busy people react.Broke people wait.Builders prepare.
WORKSHOP & COMMUNITY ANNOUNCEMENTS
Now let me remind you — this show doesn’t exist in a vacuum. It’s part of a real-world ecosystem designed to help you do something with what you learn.
Coming up next week, we’ve got:
And if you’re ready to stop procrastinating and start executing, you can also join our 72-Hour Challenge.Just text CHALLENGE to 561-861-2366.
Education without action keeps you busy.Education with action helps you build.
WEEKLY THEME EXPANSION — WHY THIS MATTERS
Let’s expand on why this theme — Busy, Broke, or Building — is so critical.
First, because motion is not momentum.Checking listings isn’t investing.Listening to podcasts isn’t ownership.Running numbers once isn’t a strategy.
Second, consistent deal analysis trains your brain. Builders look at opportunities differently because they’ve built reps, not just opinions.
Third, real estate rewards prepared capital, not perfect timing. The people winning today didn’t guess right — they showed up ready.
Fourth, clarity reduces fear. Fear keeps people stuck in analysis paralysis, waiting for certainty that never arrives.
And ultimately — let’s be honest — the goal is financial freedom.To get there, you need a business to fund your investments.The Real Estate Show can be your road map — but the key is this:
You must start NOW.
WHY PEOPLE STAY STUCK
So why don’t more people move forward?
Because most were trained to think like employees, not owners.
Employees trade time for money.Builders design systems.Employees seek security.Builders seek control.
Fear, confusion, and lack of knowledge keep people busy but stuck. That’s why this show exists — to remove the mystery, replace fear with understanding, and give you a step-by-step framework that works in the real world.
Today’s show — and better credit — is brought to you by TimeToFixMyCredit.
And don’t forget, you can text EDGE to 561-861-2366 to join our community and get your invitation to upcoming workshops.
SEGMENT TWO — DAILY SUMMARIES
MONDAY — ON A MISSION
Monday set the tone.
We launched the week by asking you to get honest with yourself. Are you busy, broke, or building? And more importantly — why? And I gave you 10 reasons why! (see AutomaticLandlord.com for a full transcript)
On Monday’s Monday On A Mission edition of The Real Estate Show, we kicked off the week by asking a question that cuts through the noise: Are you busy, broke, or building?
I explained that many Americans are working harder than ever, yet still feel financially stuck. Not because they lack effort — but because effort without strategy doesn’t build wealth. Being busy can feel productive, but if your income is being eaten away by taxes, interest, and rising costs, you’re not moving forward.
We talked about how debt has become a silent anchor for many households, and how understanding credit, cash flow, and leverage can change everything. I broke down the four major roadblocks to financial independence — government and taxes, interest and finance charges, uncontrolled monthly bills, and inflation — and how real estate can be used as a powerful tool to overcome each one.
We also reinforced a core truth: everyone is in real estate. You’re either in it as an owner, enjoying the benefits, or on it as a payer — covering rent directly or indirectly.
This episode set the foundation for the entire week, reminding listeners that awareness comes first. Once you know which path you’re on, you can choose to change it. And real estate, when used intentionally, can help you turn debt into wealth and move from survival to strategy.
TUESDAY — TOOLS, TIPS & TECHNIQUES
Tuesday was tactical.
On Tuesday’s Tools, Tips, and Techniques edition of The Real Estate Show, we focused on why real estate remains the ideal investment for everyday Americans—especially in today’s economy – and WHAT to do about it.
We broke down the difference between being busy, being broke, and truly building wealth. Many people work harder every year yet fall further behind because they rely solely on wages and savings while inflation, debt, and taxes quietly erode their progress. Real estate, when used strategically, connects all three types of income—active, semi-active, and passive—making it one of the most powerful wealth-building tools available.
We also outlined nine practical action steps that listeners can take immediately, from understanding their credit and cash flow to leveraging education, workshops, and coaching. The message was clear: wealth isn’t built by accident. It’s built with intention, strategy, and the right tools.
This episode reinforced that real estate is not just about buying property—it’s about building options, stability, and long-term freedom.
Friday Takeaways
Tuesday was about execution.
WEDNESDAY — MIDWEEK MORTGAGE & MARKET REPORT
Wednesday anchored the week in data.
We reviewed mortgage trends, rate movement, refinance activity, and investor participation. The takeaway? Money is moving — and prepared investors are acting.
We reinforced that waiting for “perfect conditions” is how people miss cycles.
This week’s Wednesday Midweek Mortgage & Market Report on The Real Estate Show centered around a powerful question: Busy, Broke, or Building? Host Eric Willner, The Voice of Real Estate, broke down why being busy doesn’t automatically mean you’re making progress—and why today’s real estate market is quietly rewarding those who are prepared, educated, and intentional. With mortgage rates stabilizing around the low-6% range, Eric emphasized that stability—not volatility—is what allows smart buyers and investors to plan, position, and move forward with confidence.
The show unpacked current mortgage data, including the reality that rates are no longer swinging wildly and are expected to remain in a narrow band between 6% and 6.5% for the foreseeable future. Eric reminded listeners that mortgage rates are not dictated by the Federal Reserve but by investor sentiment and bond markets. He also highlighted an important psychological threshold: when rates dip below 5.99%, buyer demand historically surges by about 30%. Waiting for “perfect” conditions, he warned, is often how people stay busy—or broke—instead of building assets.
Eric also addressed two major housing headlines: rising mortgage delinquencies and a surge in canceled home purchase contracts. While delinquencies remain historically low, their increase underscores the importance of owning a home with a written financial plan and adequate reserves. Meanwhile, higher cancellation rates and more sellers than buyers are shifting leverage toward prepared buyers—those who are pre-qualified, educated, and decisive. The message was clear: this market is not broken, it’s selective. And it’s favoring builders over bystanders.
Wednesday Insights:
Data doesn’t lie — but interpretation matters.
THURSDAY — ATM: ABOUT THE MONEY
Thursday tied it all together.
We focused on cash flow, financing strategy, and positioning for financial freedom. We revisited why real estate is the IDEAL investment — Income, Depreciation, Equity, Appreciation, and Leverage.
On Thursday’s ATM – About The Money edition of The Real Estate Show, we tackled a deceptively simple but powerful question:
Are you busy, broke, or actually building?
We broke down why so many people feel financially exhausted despite working harder than ever — and how constant motion without a written strategy leads to frustration instead of freedom. Being busy doesn’t equal progress, and hope is not a financial plan.
We tied this directly into real estate as the IDEAL investment — one that produces income, equity, appreciation, depreciation, and leverage — and showed how those multiple ROI streams create stability even in changing markets.
Using this week’s mortgage and investor data, we highlighted a key takeaway:Money is moving, investors are active, and opportunity favors those who are prepared — not those waiting for perfect conditions.
We contrasted hype-driven wealth promises with proven systems, emphasizing that long-term success comes from clarity, education, and disciplined execution — not speculation.
The show reinforced three foundational beliefs:Everyone should own a home, have a written financial plan, and own a business that pays them and provides tax advantages.
Finally, we laid out a simple action playbook — get educated, get pre-qualified, write your plan, build the right team, and execute with intention.
The message was clear:You don’t accidentally build wealth — you design it.
We contrasted speculation with systems and reminded listeners that wealth is built deliberately.
Thursday Takeaways:
Text EDGE to 561-861-2366 to gain your Financial Edge.
CONCLUSION — TGIF WRAP-UP
As we wrap up, let me say it like this:
TGIF — Thank Goodness It’s Friday.TGIF — Thank Goodness I’m Financially Prepared.TGIF — Thank Goodness It’s Florida — the best real estate market in America.
This week wasn’t about working harder. It was about working smarter. About deciding whether you’re busy, broke, or building — and choosing to move forward with intention.
Today’s show — and better credit — is brought to you by TimeToFixMyCredit.Text EDGE to 561-861-2366 to connect with us directly.
Thank you for tuning in this week. Remember — don’t just listen. Use the show to get started in real estate investing.
Tune in every weekday to The Real Estate Show — a seminar in every episode.Have a fantastic weekend, and join us Monday for an all-new Monday On A Mission edition.
Because it’s a stone-cold fact:Real estate is the IDEAL investment. Period.
Radio Show Notes 02/05/26 Thursday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Real Estate is the I.D.E.A.L Investment!
Learn more about Real Estate Investing and learn HOW by listening to America's Longest Running Daily Real Estate Radio Show "The Real Estate Show with Eric Willner", Live every weekday evening at 9 o'clock (EST) on Florida's Money Talk Radio Network WWNN 1470AM, 95.3FM, FM 96.9, and FM 103.9. Then contact us at 888-595-7779 to see how we can help you with your real estate goals. You can also hear us on the free apps: iHeart Radio and TuneIn and the WWNN AM1470 app. If you miss the live show, Recorded Rebroadcasts are available 24/7 on Facebook.
Also listen to the rebroadcasts on demand on Facebook.com/TheRealEstateShow
Then check out these EXTRA cool resources:
TimeToFixMyCredit.com for Financial Education and Credit Improvement
AutomaticLandlord.com for Landlording and Real Estate Investment
MackBuysHouses.com for a fast cash offer on Real Estate
MackSellsHouses.com for great deals on Real Estate Investments
MackBargainHouseHunters.com to Partner on Real Estate Deals
Eric Willner is the Host and Founder of The Real Estate Show, an informative show about how to buy, own, and improve real estate the right way. You can reach Eric Willner at eric@therealestateshow.com or 888-595-7779.
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Radio Show Notes 02/04/26 Wednesday:Read a summary of the show below orListen HereWatch Live Facebook Video Here
Midweek Market Report: Mortgage Rates Stabilize—Are You Busy, Broke, or Finally Building Wealth?
Welcome to The Real Estate Show – South Florida’s #1 Real Estate Radio Show and America’s longest running daily radio show about real estate.My name is Eric Willner, known as The Voice of Real Estate and founder of America’s longest running daily radio show about real estate, and the creator of The Automatic Landlord System for owning cash-flowing real estate profitably and hassle-free.
This show is a virtual real estate seminar in every episode.
And today is the Wednesday Midweek Mortgage & Market Report Edition of The Real Estate Show—the day each week where we zoom out, check the financial dashboard, look under the hood of the housing market, talk mortgages, money, momentum… and most importantly, talk strategy.
Because Wednesday is about clarity.
It’s about asking yourself a tough but necessary question:
Busy, Broke, or Building? How to Tell Which Path You’re Actually On
Everyone Is IN Real Estate—The Only Question Is HOW
Let’s reset the conversation right here.
Everyone is IN real estate.You’re either IN it… or you’re ON it.
That’s not judgment. That’s math.
And here’s the bottom line that most people never calculate:
For a homeowner who pays off their mortgage, financial freedom means living on a dramatically reduced budget.
For a renter, financial freedom requires building a much larger nest egg—just to keep up with a perpetual, ever-increasing rent payment.
Same goal. Two very different paths.
Busy, Broke, or Building? Let’s Call It What It Is
This week’s theme started on Monday for a reason.
Because most people feel busy, but don’t know if they’re actually making progress.
Being busy doesn’t mean you’re building.
And being broke doesn’t always mean you don’t earn money—it often means you don’t own assets.
So let me define these clearly:
Wednesday is where we separate motion from momentum.
Did You Know? Three Questions You Should Be Asking Right Now
Let me drop three Did You Know? questions that tie directly into today’s market—and today’s theme.
Did you know… that mortgage rates have now stabilized in a narrow range for months, creating one of the clearest planning windows we’ve seen since 2022—yet most buyers are still waiting for a “perfect” rate that may never arrive?
Did you know… that rising cancellation rates are actually shifting power back to prepared buyers—those who are positioned, qualified, and decisive—while casual buyers get shaken out?
Did you know… that homeowners who bought years ago are increasingly feeling pressure—not because homeownership failed, but because they never built a financial buffer or written plan?
Busy. Broke. Or Building.
That’s the fork in the road.
Today’s Show Is About ONE Thing
Today’s show is about:Busy, Broke, or Building? How to Tell Which Path You’re Actually On—and why understanding that distinction is critical to succeeding in real estate.
Before we get into the meat of the show, let me remind you about this week’s FREE Workshops, because education is the difference between reaction and strategy.
This Week’s FREE Workshops
1?? Path to Home Ownership – Introduction
1st & 3rd Tuesdays at 8pm (Online by Invitation) Text PATH to 561-861-2366
Do finances challenge you?Most people say YES.
That’s why we built The Financial Edge.
Because education moves the needle.
2?? Financial Edge Academy – Wednesdays
Every Wednesday at 8pm & 8:30pm Eastern Text EDGE to 561-861-2366
We believe in a 3-Pronged Approach:
That’s the Financial Edge.And we can be your financial team.
Let’s talk mortgages—because this is the Midweek Mortgage & Market Report.
According to Bankrate, here’s where we are right now.
Today’s National 30-Year Mortgage Interest Rate Trends
As of Tuesday, February 3, 2026:
That’s another flat, stable week—and stability equals planning power.
Since rates hit a 2025 low of 6.25% in late October, they haven’t moved much.
And let me say this clearly, because it still gets misunderstood:
The Federal Reserve does NOT dictate mortgage rates.
Yes, the Fed sets short-term rates.Mortgage rates move based on investor sentiment, mortgage-backed securities, and are closely tied to the 10-Year Treasury yield.
Last week proved it again.
The Fed held rates steady—yet mortgage rates dipped to 6.18%, matching the lowest level since 2022.
Housing economists from the Mortgage Bankers Association and Fannie Mae expect rates to remain between 6% and 6.5% for the foreseeable future.
Michael Fratantoni of the MBA said this level of rates could support a stronger spring market—not a breakout, but a healthier one.
And here’s the psychology:
Bill Banfield from Rocket Mortgage says when rates dip below 5.99%, buyer demand jumps 30%.
Because rates in the 5s flip a mental switch.
If you want to position yourself before the crowd moves, Text EDGE to 561-861-2366Get educated. Get prepared. Get ahead.
Top Rate Offer we’re seeing: 5.63%National averages:
And tomorrow—on the ATM Edition – About The Money—we’ll talk about how people are getting rates in the 4s and investor loans in the 5s.
Prepare Early—This Is Where Builders Win
Whether you need a mortgage now or next year, preparation is everything.
Get a PQ. Know your numbers.We also have inside info on two new mortgage products and a DPA program that’s about to make waves—including soft credit pull options.
Text LOAN to 561-861-2366
Busy people react.Builders prepare.
Big News Article #1 – Affordability Is Pressuring Homeowners Too
Let’s rewrite the headline in real terms:
Housing Pressure Isn’t Just Squeezing Buyers—Unprepared Homeowners Are Feeling It Too
Key takeaways, in plain English:
Data from the Federal Reserve Bank of St. Louis shows overall delinquencies remain historically low.
Americans owe over $13 trillion on mortgages, per LendingTree.
Home prices are easing—but still elevated, with long-term appreciation shown by the S&P Case-Shiller.
This matters because homeownership done without planning leads to stress.Homeownership done with strategy leads to freedom.
That’s Busy vs. Building.
You can read more at AutomaticLandlord.com.
Big News Article #2 – Cancellations Are Surging
Let’s rewrite this one honestly:
Homebuyers Are Walking Away—And That’s Creating Opportunity for the Prepared
According to Redfin:
Chen Zhao from Redfin said buyers are getting selective—and that’s good news if you’re ready.
Markets like Atlanta, Jacksonville, Tampa saw higher cancellations.
Why does this matter?
Because fear creates negotiation leverage.
Buyers who are qualified, educated, and confident are stepping into opportunities others walk away from.
That’s not being busy.That’s building.
Final Call to Action
Before we wrap…
Text EDGE to 561-861-2366
Don’t just listen.Use this show.
Use it to get educated.Use it to get positioned.Use it to start building assets.
Thank you for spending part of your day with me on The Real Estate Show—a literal seminar in every episode.
Tune in tomorrow for the ATM Edition – About The Money.
And please—share this show with someone who should own real estate, but hasn’t started yet.
I’m Eric Willner.This is The Real Estate Show.And now… you know the difference between Busy, Broke, and Building.
Radio Show Notes 02/03/26 Tuesday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Tuesday Tools, Tips & Techniques: How to Escape the Busy-Broke Cycle with Real Estate
“Welcome to The Real Estate Show – South Florida’s #1 Real Estate Radio Show and America’s longest running daily radio show about real estate.My name is Eric Willner, known as the Voice of Real Estate and founder of America’s longest running daily radio show about real estate, and also creator of The Automatic Landlord System for Owning Cash-Flowing Real Estate Profitably and Hassle-Free.It’s a virtual real estate seminar in every episode.”
Take a breath.Lean in.Because today’s Tuesday Tools, Tips, and Techniques show is where motivation turns into execution.
Yesterday, on Monday On A Mission, we framed the question that matters more than almost any other financial question you can ask yourself:
Are you busy, broke, or building?
Today, we answer the next question:
What do you DO about it?
Did You Know? (Today’s Reality Check)
Did you know that a majority of Americans earning six figures still live paycheck to paycheck—not because they don’t make enough money, but because they don’t own enough assets?
Did you know that renters are exposed to 100% of inflation with none of the protection ownership provides—while homeowners historically gain both appreciation and rent-replacement savings?
Did you know that many real estate investors fail not because of bad deals—but because poor credit and excessive consumer debt block access to opportunity?
These are just a few of the alarming statistics and realities in today’s economy. And they matter, because awareness gives you the ability to plan, prepare, and pivot.
These “Did You Know?” moments highlight the critical role homeownership plays in Americans’ lives—and the challenges people face when they don’t own:lower credit scores, higher debt burdens, rising rents, and long-term vulnerability.
And remember this truth:
Everyone is in real estate.
You’re either IN real estate—because you bought it, searched it, negotiated it, closed it, and enjoy the pride and benefits of ownership…
Or you’re ON real estate—paying rent directly, or indirectly through your employer, paying those who are in real estate.
Today, let’s talk about actions—the actions that lead to success or failure—and how to truly understand our theme:
Our mission here is simple and powerful:to transform lives through affordable real estate.To empower, educate, and enable families and individuals to enjoy the American Dream of homeownership.
And to do that, you must understand income.
The 3 Types of Income (And Why They Matter)
We all start with active income.The goal is to build enough passive income to gain freedom—whether that means retirement, flexibility, or choice.
Real estate is one of the few vehicles that touches all three types of income.
Today’s show is brought to you by TimeToFixMyCredit.com.If credit is holding you back from building wealth through real estate, now is the time to fix it. Text “CREDIT” to 561-861-2366.
Tools & Techniques: Turning Yesterday’s Ideas into Action
Yesterday, I gave you 9 reasons why it’s critical to know whether you’re busy, broke, or building.
Today, we turn those reasons into ACTION.
Here Are 9 Steps to Move from Busy or Broke to BUILDING
These are not theories.They are tools—and tools only work when you pick them up and use them.
HARD STATION BREAK – MIDSHOW
Station Identification
Second Half: Tools That Actually Move the Needle
Welcome back.This is The Real Estate Show, and today’s theme—Busy, Broke, or Building—is about deciding who you are going to be this year.
Now let’s talk about resources, because no one builds alone.
There are real tools available to renters, buyers, and investors—if you show up and use them.
That’s why I want you at our Tuesday night workshop.
But first, let’s emphasize the tools that matter most for achieving real estate goals in the new year:
Four Core Tools Every Builder Uses
Your retirement future does not begin someday.It begins NOW.
If not now—when?If not this—what?If not you—who?
SPONSOR BREAK – 75% MARK
Today’s show is brought to you by TimeToFixMyCredit.com.If your credit score is the obstacle between you and real estate ownership, don’t wait. Text “CREDIT” to 561-861-2366.
Why Real Estate Is the Ideal Investment
Real estate is ideal because it:
Stocks don’t call you back.Savings don’t grow fast enough.Wages don’t keep up.
But real estate—when done right—works while you sleep.
The Real Estate Show is your partner in real estate.Our expertise and experience can be the difference between a successful transaction and a stressful one.
Have a specific question about home loans?Text “LOAN” to 561-861-2366, and we’ll tackle it on a future show.
And don’t forget to join us next week as we continue building momentum together.
Today’s Show – 5 Key Takeaways
Closing the Show
Rates. Lending. Markets. Momentum.
On the Wednesday Midweek Mortgage & Market Report, we’re breaking down what’s really happening in real estate—and what it means for buyers, investors, and everyday Americans.
If you’re trying to decide whether to wait… or act…If you want the truth behind the headlines…If you’re serious about building wealth instead of guessing…
You do NOT want to miss tomorrow’s show.
Same place. Same time.A seminar in every episode of The Real Estate Show.
Thank you for listening.Thank you for investing your time.
But don’t just listen—use this show to get started in real estate investing.Tune in every weekday to The Real Estate Show—a literal seminar in every episode.
Don’t forget to attend our FREE online workshops.And remember, our mission is simple:to help Make the American Dream come true for you.
Visit us at www.AutomaticLandlord.com for transcripts, past episodes, and more. Watch and LIKE the show live or on-demand at Facebook.com/TheRealEstateShow.Likes keep us going—but shares keep us growing.
Until tomorrow—stay focused, stay curious, and stay building.
Radio Show Notes 02/02/26 Monday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Busy, Broke, or Building? How to Tell Which Financial Path You’re Really On
Monday On A Mission: Why This Matters Right Now
Today is the Monday On A Mission Edition of The Real Estate Show, where we talk about why NOW is the time to buy real estate, using today’s theme:
Today’s show is about the WHY—why you need to know which path you’re on, and why clarity is the starting point for real estate and financial success.
This week, we’ll discuss strategies to optimize your finances, including:
Knowing how these work—and how they work together—is essential to any real plan for real estate and financial success.
Before we get into the meat of the show, let me remind you of this week’s FREE online workshops:
You want to attend these because real estate requires skill, strategy, adaptability, and determination to cross the finish line successfully.
Everyone Is in Real Estate
You’re either IN real estate—because you own it, searched it, negotiated it, closed on it, and enjoy the pride and benefits of ownership—
Or you’re ON real estate—paying rent directly, or indirectly through an employer who pays the rent for your workplace.
The road to financial victory isn’t always straight—but it is exhilarating. And we want you on that road with us.
You’re listening to The Real Estate Show.Remember: You can turn debt into wealth in real estate.If you want to change your financial picture, start right now— Text the word “CREDIT” to 561-861-2366.
— HARD STATION BREAK —
(Station Identification)
Part Two: Busy, Broke, or Building—Let’s Break It Down
Welcome back. This is The Real Estate Show, and today we’re asking you to get honest with yourself.
This week in our workshops, we’ll show you why the question Busy, Broke, or Building? matters—and then we’ll tell you what to do about it.
Ten Reasons You Must Know Which Path You’re On
Each of these reasons points to one truth: you can’t fix what you refuse to measure.
The Four Major Roadblocks—and How This Theme Helps You Win
When you address these four roadblocks using the lens of Busy, Broke, or Building, you give yourself a real chance to win.
Roadblock #1: Government and Taxes
Taxes are often the largest single expense a household faces. Real estate offers legal strategies—depreciation, deductions, and business use—that can dramatically reduce taxable income. Builders learn the rules and use them. The busy ignore them. The broke feel crushed by them.
Roadblock #2: Interest and Finance Charges
High-interest debt quietly steals your future. Builders understand how to restructure, consolidate, and strategically use debt—especially when replacing consumer debt with asset-backed debt that can generate income.
Roadblock #3: Uncontrolled Monthly Bills
Recurring expenses grow by default unless managed deliberately. Builders audit expenses, renegotiate bills, and redirect savings into assets. This single habit can unlock cash flow you didn’t know you had.
Roadblock #4: Inflation—the Silent Killer
Inflation erodes savings every year. Real estate, historically, has been one of the most effective hedges—because rents and values tend to rise over time. Builders own assets that adjust with inflation instead of being crushed by it.
Let me remind you again—because this matters:You can turn debt into wealth in real estate.If you want to change your financial picture, take the first step now— Text the word “CREDIT” to 561-861-2366.
Today’s Takeaway
Today’s show was about awareness with purpose. Busy, Broke, or Building isn’t a judgment—it’s a diagnostic. Once you know where you are, you can choose where you’re going. And real estate, when used intentionally, becomes one of the most powerful tools to move from survival to strategy—and from strategy to freedom.
Tomorrow is our Tuesday Tools, Tips, and Techniques Edition of The Real Estate Show—and you do not want to miss the resources and insights we’ll share to help you profit and succeed in the real estate world.
Thank you for listening—but remember, don’t just listen. Use this show to get started in real estate investing, to change your life, and to build a future on purpose. Tune in every weekday for The Real Estate Show—a literal seminar in every episode.
And don’t forget to attend our FREE online workshops. Text the word “EDGE” to 561-861-2366.
Radio Show Notes 01/30/26 Friday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Radio Show Notes 01/29/26 Thursday: Read a summary of the show below orListen HereWatch Live Facebook Video Here