Radio Show Notes 02/25/26 WednesdayRead 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 02/24/26 TuesdayRead a summary of the show below orListen HereWatch Live Facebook Video Here
Tuesday Tools: How to Replace Your Paycheck with 5 Rental Properties
By Eric Willner, Investor, Coach, and Host of The Real Estate Show, America’s longest running daily radio show about 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.
Today is our Tuesday Tools, Tips, and Techniques Edition — and we are continuing our powerful theme:
One Property a Year: The 5-Year Income Replacement Plan That Beats 30 Years of Saving Ownership.
Let me start with three provocative questions.
Did you know that more than 60% of Americans say they’re worried they will outlive their retirement savings?
Did you know that rents nationally have increased dramatically over the last five years, while many renters saw little to no real wage growth after inflation?
Did you know that with current ‘sticky’ inflation, a traditional savings account with a 4% yield is actually a net loss when you factor in the 5.2% rise in the cost of basic services? Your ‘safe’ money is literally evaporating while you wait for the ‘perfect’ time to buy.
Did you know that the average homeowner’s net worth is several times higher than that of renters — largely because of equity accumulation and appreciation? As of February 2026, the gap between the average renter’s net worth and the average homeowner’s net worth has widened to an all-time high of 45-to-1? If you don’t own the dirt you sleep on, you are statistically being left behind at a rate we have never seen in American history.
Did you know that institutional investors—those giant hedge funds—have increased their single-family home acquisitions by 18% this quarter alone? They aren't waiting for rates to hit 4%; they are buying because they know that income replacement through equity is the only way to survive the coming decade.
These are just a few of the alarming statistics about the current market. It’s important to be aware of the challenges and realities you may face so that you can plan accordingly.
These “Did You Know?” questions highlight the critical role homeownership plays in Americans’ lives and the challenges many face due to not owning — including poor credit positioning, excessive debt burdens, and vulnerability to inflation.
Remember this:
Everyone is IN real estate.
Either you OWN real estate — you searched it, negotiated it, closed on it, and enjoy the pride of ownership and the financial advantages that come with it.
Or you are ON real estate — through rent payments or through working for someone who pays rent — you are funding those who are IN real estate.
Today let’s talk about the actions that lead to success and failure… and how to better understand our theme:
Our mission is to transform lives through affordable real estate. To empower, educate, and enable families and individuals to enjoy the American Dream of homeownership.
Now remember — there are three types of income:
We all start with active income. But the goal is passive income — enough of it to choose how we live.
Now, before we dive deeper —
Today’s Show is Brought to You By: TimeToFixMyCredit.com, text “Credit”.
Credit is not just a score. It’s leverage power. It determines your interest rate, your loan approval, your ability to execute this plan.
In today’s highlighted Tools and Techniques, let’s dive into the practical part. Yesterday I gave you 10 reasons for:
Now let’s break them down as actionable steps.
Here are 9 steps on HOW to go from idea to execution:
The Real Estate Show is your partner in real estate. Our expertise and experience can be the difference between a successful and stressful transaction.
Have a specific question about home loans? Text “LOAN” to 561-861-2366 and we’ll tackle it on a future show!
Now — let’s reset the energy.
There are resources to help renters, buyers, and investors. Attend our Tuesday night workshop.
And now…
We pause for a hard station break.
HARD STATION BREAK – Station Identification
You’re listening to The Real Estate Show — America’s longest running daily radio show about real estate. We’ll be right back.
Welcome back.
Today we’re breaking down tools that help you achieve real estate goals in the new year ahead.
Let’s emphasize the tools required for execution:
Your retirement future begins NOW.
It’s up to you whether you take control.
If not now, when?If not THIS, what?If not you, who?
Let’s be clear — saving alone won’t beat inflation. Owning appreciating, income-producing assets does.
One property per year.
Five years.
Income replacement.
You don’t need 100 properties.
You need discipline.
At this point — another reset.
If your credit isn’t optimized, your wealth velocity slows.
Let’s summarize today’s show in five key points:
• Financial independence is income replacement, not age-based retirement.• Real estate converts inflation and leverage into advantages.• One property per year creates momentum and compounding.• Tools, planning, and credit optimization reduce risk.• Repetition and discipline beat speculation.
And before we close out today’s Tuesday Tools, Tips, and Techniques Edition, let me give you a very important reminder…
Tomorrow is our Wednesday Midweek Mortgage & Market Report — and you do not want to miss it.
If Monday is mission and Tuesday is strategy, then Wednesday is intelligence.
It’s where we break down what’s really happening with mortgage rates… what the bond market is signaling… where inventory is tightening… where it’s expanding… what lenders are quietly adjusting… and how those shifts affect YOUR ability to buy, refinance, invest, or reposition.
We’ll be talking about:
• Where interest rates are trending — and what that means for affordability• Whether waiting actually saves you money… or costs you opportunity• What investors are doing right now behind the scenes• And how to position yourself before the next move happens
Because here’s the truth…
The market doesn’t reward the most emotional.It rewards the most informed.
If you’re thinking about buying…If you’re thinking about refinancing…If you’re wondering whether now is the time…If you’re serious about the One Property a Year strategy…
Then tomorrow’s show is your midweek advantage.
Don’t guess.Don’t speculate.Get informed.
Join me for the Wednesday Midweek Mortgage & Market Report — where we turn headlines into strategy and data into decisions.
Set the reminder.Tune in live.Or catch it on-demand.
But whatever you do… don’t miss it.
Thank you for listening.
Thank you for investing your time here.
But don’t just listen — use our show to get started in real estate investing. Tune in every weekday. This is a literal seminar in every episode of The Real Estate Show.
Don’t forget to attend our free online workshops.
Visit us online at www.AutomaticLandlord.com for transcripts, past episodes, and more.
And watch and LIKE the show live or on-demand at Facebook.com/TheRealEstateShow. Likes keep us going — but Shares keep us growing.
Thanks for listening — and I hope to help Make The American Dream come true for you soon.
Radio Show Notes 02/23/26 MondayRead a summary of the show below orListen HereWatch Live Facebook Video Here
One Property a Year: The 5-Year Income Replacement Plan That Beats 30 Years of Saving
By Eric Willner, Investor and Host of The Real Estate Show, America’s longest running daily radio show about real estate.
Theme: One Property a Year: The 5-Year Income Replacement Plan That Beats 30 Years of Saving
PART I: THE WAKE-UP CALL AND THE RESTART
Welcome to The Real Estate Show hosted by me, Eric Willner, known as the Voice of Real Estate and founder of America’s longest-running daily radio show about real estate. I am also the 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, so grab your notebooks because today, we are going on a mission.
Before we dive into the strategy, I want to hit you with three provocative "Did you know?" questions that serve as your 2026 wake-up call. These aren't just stats; they are the reality of the landscape we are navigating right now.
These questions are your inspiration to think outside the box. We are highlighting the real and pressing challenges Americans face with debt today. This opens the door for a deeper discussion about effective debt management, financial planning, and the solutions required to break free. It’s about setting yourself up for success and taking the right steps toward financial independence.
Back on January 1st, we hit the RESTART button. We covered the foundational steps for anyone starting or starting over. To recap, the first five were:
And now, we arrive at the engine of our mission: One Property a Year: The 5-Year Income Replacement Plan That Beats 30 Years of Saving. This is the “Monday On A Mission” Edition of The Real Estate Show. Today is about “why” you need to know this. This week, we'll discuss strategies to optimize your finances, including tax management techniques, debt reduction methods, investment strategies, and leveraging your home as a business asset. Knowing how this works is vital to a plan of Real Estate and Financial Success!
SOFT BREAK & CTA: Listen to me closely: You don't have to be a victim of your balance sheet. “You can turn debt into wealth in Real Estate.” Change your financial picture right now. Start by texting the word CREDIT to 561-861-2366. Get your foundation solid so you can build your empire.
Before we get into the meat of the show, let me remind you of this week’s special FREE Workshops:
You want to attend these because Real Estate requires skill, strategy, and an unwavering determination to cross the finish line. Remember: Everyone is in Real Estate! You are either IN it because you own it—you searched it, negotiated it, and have the pride and tax benefits of ownership—or you are ON it. If you are "ON" real estate, you are paying the mortgage of the person who is "IN" it. Whether it's your rent or your employer’s rent, you are funding someone else’s dream. The road to victory isn't a straight path, but it’s exhilarating! Take that journey with us.
[HARD STATION BREAK – MIDPOINT]
PART II: THE 10 REASONS AND THE 4 ROADBLOCKS
Welcome back to The Real Estate Show. I’m Eric Willner, and we are talking about One Property a Year: The 5-Year Income Replacement Plan. We’ve established that the "slow and steady" savings route is broken. Now, let’s look at the ten reasons why you must implement this 5-year plan immediately.
SOFT BREAK & CTA: If these ten reasons aren't enough to get you moving, nothing will be. But I know you’re listening because you want more. “You can turn debt into wealth in Real Estate.” Stop letting your debt hold you hostage. Change your financial picture today. Text the word CREDIT to 561-861-2366.
Now, to win the game, you must address the 4 Major Roadblocks to financial independence. By following the "One Property a Year" plan, you tackle these head-on.
Road Block #1: Government and Taxes. The average American works until April or May just to pay the government. Real estate ownership flips the script. Through business deductions, 1031 exchanges, and depreciation, you move from the highest taxed bracket to the most tax-advantaged status available in the U.S. code.
Road Block #2: Interest and Finance Charges. Most people are on the wrong side of the interest equation—paying credit cards and car loans at 18-25%. When you own real estate, you use low-cost mortgage interest to acquire an asset that generates a higher return. You stop paying interest and start using it as a tool for leverage.
Road Block #3: Uncontrolled Monthly Bills. Lifestyle creep is a wealth killer. By focusing on "One Property a Year," you redirect your surplus income into cash-flowing assets. Eventually, the cash flow from your properties pays your monthly bills, effectively making your lifestyle "free."
Road Block #4: Inflation, the Silent Killer of Wealth. If you have $100,000 in the bank, inflation is stealing its value every hour. But if you own $100,000 in real estate, inflation pushes the property value and the rents up. You move from being a victim of inflation to being a beneficiary of it.
Summary: Today, we laid out the mission. The 5-Year Income Replacement Plan isn't just a "good idea"—it’s a mathematical necessity in 2026. We covered the restart steps, the 10 reasons to act, and how to demolish the four roadblocks to your freedom. Real estate is the vehicle; the 5-year plan is your map.
Tomorrow is our Tuesday Tools, Tips, and Techniques Edition of The Real Estate Show. You won’t want to miss it, as we will be sharing the valuable resources and insights to help you profit and succeed in the real estate world. Thank you for listening, but don’t just listen—use our show to get started. Change your life! Tune in every weekday to this literal seminar on the air. And don't forget to attend our free workshops. Text the word EDGE to 561-861-2366. I’m Eric Willner, and I’ll see you at the closing table!
Radio Show Notes 02/20/26 FridayRead a summary of the show below orListen HereWatch Live Facebook Video Here
Friday Weekly Wrap-Up: Why Financial Independence Has Always Started with Property Ownership—Eric Willner's Real Estate Show
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 episode.
I'm Eric Willner, "The Voice of Real Estate," host of The Real Estate Show, America's longest-running daily radio show about real estate, and creator of The Automatic Landlord System for owning cash-flowing real estate profitably and hassle-free.
And wow, what a week we've had!
This week's shows have all centered around one powerful idea: Financial Independence has always started with property ownership!
From Monday's mission-focused kickoff through Thursday's deep dive into the money, we've built a comprehensive roadmap showing you exactly why property ownership isn't just a good idea—it's THE foundational strategy for anyone serious about financial freedom and open to real estate as THE IDEAL vehicle to get there.
Today we'll summarize each day's highlights, wrap up the week, and set you up for success in real estate next week. So buckle up, because we're going to pack a lot of value into the next 24 minutes!
["DID YOU KNOW?" QUESTIONS]
Before we dive into the weekly recap, let me hit you with three engaging questions that should really make you think:
Did you know that on this Presidents' Day week, we celebrated leaders like George Washington who understood that before you can free a nation, you have to own the ground beneath your feet? Washington accumulated over 50,000 acres because he knew property ownership was the ultimate form of independence—and that same principle applies to YOUR financial independence today.
Did you know that while mortgage rates dropped to 6.17%—the lowest since September 2022—refinance applications surged 132% year-over-year, but purchase applications only rose 8%? Translation: people who already OWN property are taking massive action to optimize their wealth, while those who don't own are still sitting on the sidelines watching.
Did you know that homeowners age 70 and older receive approximately 5% lower sale prices compared to younger sellers, costing them over $20,000 on an average home sale—and with median home equity for seniors at $250,000, that loss represents a significant chunk of retirement security that could have been protected with proper planning?
Every single one of these facts ties directly back to this week's theme: Financial Independence has always started with property ownership! Whether we're talking about our founding fathers, today's savvy refinancers, or tomorrow's retirees, the principle remains constant.
[WORKSHOP ANNOUNCEMENTS]
Now, before we get into the meat of today's wrap-up, let me remind you about next week's incredible FREE workshops where we take everything we've discussed this week and turn it into actionable strategy:
Wednesday at 8:30PM – Financial Edge Academy Overview – This is where we show you the complete system for building wealth through real estate and business ownership, online by invitation. Text "Edge" to 561-861-2366.
Saturday – Business Reading Club – Join our community online as we dive deep into the principles that separate wealth-builders from wealth-wishers.
And here's something special: I want to invite you to join our 72 Hour Challenge. This is where we help you take massive action over a concentrated 72-hour period to move your real estate goals forward. Text "Challenge" to 561-861-2366 to get all the details.
These aren't just workshops—they're community-building experiences with people just like you who are serious about changing their financial futures.
So why is this week's theme—Financial Independence has always started with property ownership—so absolutely critical?
Let me give you five rock-solid reasons:
Reason #1: Historical Proof – From George Washington to every wealthy family in America, property ownership has been the foundation of lasting wealth. This isn't theory—it's centuries of documented evidence.
Reason #2: Multiple Wealth Streams – Real estate gives you Income, Depreciation, Equity, Appreciation, and Leverage—the IDEAL investment. No other asset class provides all five simultaneously.
Reason #3: Tax Code Advantage – The government literally subsidizes property ownership through deductions, depreciation, and favorable capital gains treatment. W-2 employees pay the highest taxes; property owners pay the least.
Reason #4: Inflation Protection – While inflation destroys cash and fixed-income investments, it supercharges real estate returns by increasing rents and property values while your mortgage payment stays locked.
Reason #5: Generational Wealth Transfer – Property doesn't just build YOUR wealth—it creates a legacy you can pass to your children with stepped-up basis, avoiding massive taxes and setting up multiple generations for success.
Ultimately, the goal is financial freedom. To get there, you need a business to fund your investments. The Real Estate Show can be your roadmap, but the key is—you must start NOW. Not next year. Not when conditions are perfect. Now.
So if property ownership is so powerful—and we just proved it is—why do so many people stay stuck in the "employee" mindset and never move to business ownership or real estate investing?
Let me break down the real reasons:
Fear of the Unknown – Most people have never been taught how real estate actually works. They don't understand financing, they're intimidated by landlording, and they're paralyzed by "what ifs."
Analysis Paralysis – They get so caught up in finding the "perfect" deal, the "perfect" time, the "perfect" market that they never pull the trigger on anything.
Lack of Knowledge – The education system doesn't teach financial literacy. You can get a PhD and still have no idea how to read a profit and loss statement or calculate cash-on-cash return.
Comfort Zone Addiction – A steady paycheck feels safe, even if it's keeping you broke. The known misery of living paycheck to paycheck feels less scary than the unknown possibility of building real wealth.
No Support System – When you're surrounded by people who think like employees, act like employees, and will be employees forever, it's really hard to break out and think like an investor or business owner.
This is exactly how The Real Estate Show helps break through that fear, confusion, and lack of knowledge. We provide the education, the community, the support system, and the proven strategies that turn "I wish I could" into "I'm so glad I did."
Every single weekday, we're here giving you the tools, the knowledge, and the inspiration to make the shift from employee to investor, from renter to owner, from broke to wealthy.
Today's Show — and better credit — is brought to you by: www.TimeToFixMyCredit.com. Whether your credit is perfect or needs work, we've got solutions to get you into property ownership regardless of credit, regardless of down payment. And don't forget, you can text the word EDGE to 561-861-2366 to join our community and gain your Financial Edge.
[DAILY SUMMARIES - CHRONOLOGICAL ORDER]
Alright, let's dive into our day-by-day breakdown of this incredible week. I'm going to walk you through exactly what we covered and why it matters.
MONDAY – ON A MISSION
Monday we kicked off the week with serious energy and intention. This is where we set the stage for everything that followed, and we introduced the theme: Financial Independence has always started with property ownership.
Here's what we covered on Monday:
This Presidents' Day, we explored how George Washington wasn't just our first president—he was one of America's wealthiest landowners because he understood that real independence starts with owning the ground beneath your feet. Before he could lead a revolution, he surveyed and acquired land. That same principle applies today.
We broke down ten powerful reasons why property ownership is the foundation of financial independence:
Then we tackled the four major roadblocks to financial independence and showed how property ownership turns each obstacle into an advantage:
Roadblock #1: Government and Taxes – The tax code rewards property owners with deductions for mortgage interest, property taxes, insurance, repairs, and depreciation.
Roadblock #2: Interest and Finance Charges – Your tenant pays your mortgage interest, and it's tax-deductible, turning a wealth-killer into a wealth-builder.
Roadblock #3: Uncontrolled Monthly Bills – Property ownership through house-hacking or investment properties turns bills into income and tax deductions.
Roadblock #4: Inflation – While inflation destroys cash, it enriches property owners through rising rents and values while mortgage payments stay fixed.
Monday's Key Takeaways:
TUESDAY – TOOLS, TIPS & TECHNIQUES
On Tuesday’s Tools, Tips, and Techniques edition of The Real Estate Show, we tackled a powerful truth: Financial independence has always started with property ownership.
We began by addressing three sobering realities in today’s economy — rising consumer debt, high credit card interest rates, and the widening wealth gap between renters and homeowners. The message was clear: ownership changes everything.
We explained the three types of income — active, semi-active, and passive — and how real estate serves as the bridge from trading time for money to building residual income that creates freedom.
Then we shifted into execution mode.
We broke down nine practical, actionable steps to move from financial stagnation to financial independence:
• Build equity instead of paying rent• Create multiple income streams• Control assets instead of depending on Wall Street• Use real estate to hedge against inflation• Leverage the tax code• Use responsible financing• Invest for long-term appreciation• Structure for generational wealth• Scale one property at a time
We emphasized that real estate isn’t just an investment — it’s a financial strategy that integrates leverage, tax efficiency, appreciation, and income.
The takeaway? Your retirement future doesn’t begin someday. It begins with a decision. Then take action!!
Tuesday's Key Strategies:
WEDNESDAY – MIDWEEK MORTGAGE & MARKET REPORT
Wednesday we anchored everything in current market data so you understand exactly what's happening right now in real estate and mortgage markets.
This Wednesday's Midweek Market Report delivered critical insights about the current mortgage landscape and revealed why property ownership remains the foundation of financial independence—even as economic uncertainty creates hesitation among potential buyers.
Mortgage rates dropped to their lowest levels since September 2022, with 30-year fixed rates hovering around 6.17% to 6.19%. This triggered a massive surge in refinance applications, which jumped 132% compared to the same week last year. However, despite these favorable rates, purchase applications remain sluggish—up only 8% year-over-year—as concerns about the broader economy and job market keep potential buyers on the sidelines.
The data reveals a stark contrast: homeowners who are already IN real estate are taking action to optimize their investments through refinancing, while those who are ON real estate—the renters—continue waiting for perfect conditions that may never materialize. Industry experts note that rates dropping below the psychological threshold of 5.99% typically trigger a 30% increase in demand, suggesting we may be approaching a critical tipping point for market activity.
We also explored crucial research about older homeowners and the hidden costs of delayed planning. Starting at age 70, home sellers begin receiving approximately 5% lower sale prices compared to younger sellers, with the gap widening as they age. By age 80, this translates to losses exceeding $20,000 on a median-priced home.
Wednesday's Key Insights:
THURSDAY – ATM (ABOUT THE MONEY)
Thursday we brought it all together with our "About The Money" edition, where we laser-focused on financing, cash flow, and wealth-building strategies.
We dove deep into why real estate is THE ideal investment through the I.D.E.A.L. framework:
We contrasted proven real estate strategies with the hype you see everywhere else—crypto trading with 70-90% loss ratios, influencer fantasies where less than 20% monetize in 5 years, "no selling required" scams, and salary-only paths to wealth where less than 1-5% reach millionaire status.
We introduced our 3 Core Beliefs:
And we broke down our Simple 5-Star, 3-Tiered System:
We walked through a real case study showing how someone gets pre-qualified, finds a property meeting their criteria, negotiates seller credits, locks a rate, captures tax benefits, and plans a strategic refinance in 18-36 months.
Thursday's Key Takeaways:
Today's Show — and better credit — is brought to you by www.TimeToFixMyCredit.com. Don't forget to text EDGE to 561-861-2366 to gain your Financial Edge and join our community of action-takers who are building real wealth through real estate.
[CONCLUSION - TGIF WRAP-UP]
Alright, let's bring this week home with some Friday energy!
You know what TGIF means, right?
TGIF = Thank Goodness It's Friday! The weekend is here, and you've earned it!
But for us, TGIF also means:
TGIF = Thank Goodness I'm Financially Prepared! Because you've spent this week learning, growing, and positioning yourself for real financial independence through property ownership.
And since we're in the greatest real estate market in the country:
TGIF = Thank Goodness It's Florida – the best market in America for real estate investing, business growth, and quality of life!
This week we covered everything from the historical foundation of property ownership through Washington's example, to current mortgage rates and market data, to the exact tactical steps you need to take to build wealth through real estate.
We showed you why property ownership beats every other wealth-building strategy. We gave you the tools and techniques to actually execute. We provided current market data so you're making informed decisions. And we broke down the money—the financing, the tax benefits, the cash flow strategies—so you can turn knowledge into action.
But here's the thing: none of this matters if you don't DO something with it.
Knowledge without action is just entertainment. You can listen to this show every day, attend every workshop, read every article—but if you never actually buy a property, build a business, or implement a financial plan, you'll be in the exact same place five years from now, just five years older.
So my challenge to you this weekend is simple: Pick ONE thing we discussed this week and take action on it. Just one.
Maybe it's texting EDGE to 561-861-2366 to join our next workshop. Maybe it's calling a lender to get pre-qualified. Maybe it's writing down your investment criteria. Maybe it's reviewing your credit report. Maybe it's having a serious conversation with your spouse about your financial future.
Whatever it is, do SOMETHING. Take action. Make this the week you look back on and say, "That's when everything changed."
Because Financial Independence HAS always started with property ownership—but YOUR financial independence starts with YOUR decision to own property. And that decision happens right now, today, this moment.
Today's Show — and better credit — is brought to you by www.TimeToFixMyCredit.com. Text EDGE to 561-861-2366 to connect with us directly and join the community of people who are actually doing this, not just thinking about it.
Thank you for tuning in this week. It's been an incredible journey from Monday's mission through today's wrap-up.
Remember, don't just listen — use our show to get started in real estate investing. Tune in every weekday to The Real Estate Show, a seminar in every episode. We're here Monday through Friday, giving you the education, the inspiration, and the roadmap to build real wealth through real estate.
Have a fantastic weekend! Enjoy your family, enjoy the beautiful Florida weather, and think about what you learned this week.
Join us Monday for an all-new edition of Monday on a Mission, where we'll launch next week's theme and continue building your path to financial independence.
This is Eric Willner, "The Voice of Real Estate," reminding you one more time: Everyone is IN real estate. You're either building wealth through ownership, or you're funding someone else's wealth through rent. Which side are you on?
Make it a great weekend, and we'll see you Monday!
It's a stone-cold fact—real estate is the best investment. Period. It's the IDEAL Investment.
Radio Show Notes 02/19/26 Thursday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
TM – About The Money: Why Financial Independence Still Starts with Property Ownership in 2026
Date: Thursday, February 19, 2026
Theme: Financial Independence Has Always Started with Property Ownership
PART I: THE CURRENCY OF CLARITY
“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. The radio show is called The Real Estate Show, hosted by me, 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.
Today is Thursday, and that means it’s the ‘ATM – About The Money’ edition—where we laser-focus on the financing, cash flow, and wealth-building strategies that turn clarity into confidence and plans into profits. Our theme for this week continues to be the bedrock of everything we do: Financial Independence has always started with property ownership. If you want to be free, you’ve got to own the dirt.”
(02:00 – 04:00) THE HOOK: "DID YOU KNOW?" “Before we look at the ledgers, I’ve got to ask you: Did you know that a written plan—covering your credit, your capital, and your criteria—beats 'timing the market' every single time? It’s a fact. While the amateurs are sitting on the sidelines waiting for 'perfect conditions' that never arrive, the pros are locking in opportunities because they have the clarity to move when the numbers make sense.
We are in Week 8 of 2026—Day 50! This year is picking up speed, and if you aren't in the game yet, you’re falling behind. But here’s the good news: Real estate delivers multiple ROI streams. We aren't just talking about appreciation; we’re talking rental income, massive tax benefits, and the beautiful gift of depreciation. It’s the only asset that pays you five different ways at once.”
SETTING THE TABLE: THE WEEK SO FAR “To understand today’s money moves, we have to look at how we got here.
On Monday, we were ‘On a Mission.’ we launched the theme that clarity plus a written plan defeats fear and indecision every time. On Tuesday, we gave you the Tools, Tips, and Techniques, covering the actionable steps to prepare for funding. We talked about pre-qualification and building your team.
Then, yesterday, we looked at the Midweek Mortgage & Market Report. The data is clear:
Today is Thursday—‘About The Money’—where we convert that data into cash-flow strategy and concrete action.”
NEW "DID YOU KNOW?" x3 “Let’s look at the cost of NOT taking action. Ask yourself these three questions:
COMMUNITY & WORKSHOPS “We had an incredible Wednesday night workshop last night—our Financial Edge University Overview. I’m telling you, the energy in that virtual room was electric. We are building a community of Street-Smart, Money-Smart people who aren't just 'thinking' about real estate—they are taking action with clarity.
You can join this community. You can join us online by invitation. Text the word EDGE to 561-861-2366 right now to get on the list for our next session.
April is technically Financial Literacy Month, but around here, every month is Financial Literacy Month. Lack of literacy leads to painful outcomes—foreclosure, debt traps, and having no money in retirement. Knowledge isn't just power; it’s protection. Be in the game. Be in the know.”
****** HARD BREAK BUMPER “We’re going to a quick break. Today’s show is brought to you by www.TimeToFixMyCredit.com—our partner in bringing you homeownership regardless of your credit score or your down payment. Don’t go anywhere, we’re coming back to talk about why Real Estate is the IDEAL investment and a huge announcement regarding business funding!”
PART II: THE ARCHITECTURE OF WEALTH
TEACHING BLOCK: THE "IDEAL" INVESTMENT “Welcome back to the 'ATM – About The Money' edition. Let’s get into the 'Why.' Why do I scream from the rooftops that Financial Independence has always started with property ownership? Because Real Estate is the IDEAL investment.
This is the simple, safe way to build a solid retirement. Contrast this with the 'Hype' out there. Everyone wants to talk about Crypto, Options, or Forex. Those are high-stakes gambling for most people, with massive loss ratios. We focus on proven, predictable, and defensible strategies. We’re talking Diversified Cashflow Accounts, Private Reserve Accounts, and Land Banking.
And don’t get me started on the 'Influencer' fantasy. Less than 20% of those folks monetize their brand within five years. If a business tells you there’s 'no selling or marketing' required, they are lying to you. That’s not how markets work. And the 'Salary-Only' path to wealth? Less than 5% of people ever reach millionaire status on a paycheck alone.
The Financial Edge Academy provides knowledge and hope without the hype. And here is something new: We have added Guaranteed Business Funding for your new or existing business—with no need for, nor impact to, your personal credit score. If you’ve been waiting for the capital to launch, the wait is over.”
CTA #1: “Today’s Show is Brought to You By: TimeFixMyCredit.com, text ‘Credit’. And don’t forget: Text EDGE to 561-861-2366 to get your invitation to our next session and learn about that guaranteed funding.”
THE 3 BELIEFS & THE 5-STAR SYSTEM “I operate based on three deep beliefs that guide everything we teach:
Do these three things, and you’ll have the Financial Edge. To get you there, we use our Simple 5-Star, 3-Tiered System:
Think about this mini case study: A student gets their PQ ready, finds a property that hits their 'buy-box' criteria, negotiates a seller credit to cover closing costs, locks the rate at 6.19%, and immediately captures depreciation. They have a plan to refi in 18 months if rates fall. They aren't guessing; they are executing a blueprint.”
“Today’s Show is Brought to You By: TimeFixMyCredit.com, text the word ‘Credit’. Take control of the numbers. Text EDGE to 561-861-2366 to get the systems, the team, and the plan you’ve been missing.”
THE ACTION PLAYBOOK “Here is your 'do this next' playbook for the weekend. No more excuses—just steps:
(24:00 – 25:00) THE CLOSE “Everyone is in real estate—either you’re owning it or you’re paying someone else who does. With clarity and a plan, you overcome the fear of the unknown. You move from being ON real estate to being IN real estate.
Thanks for listening today—but please, don’t just listen. Use this show to get started. Tune in every weekday—it’s a literal seminar in every episode.
TOMORROW is the Friday Weekly Wrap-Up! You do NOT want to miss this. We are going to tie together the mortgage data, the 'ATM' strategies, and the mission-critical steps you need to take before Monday rolls around. It is going to be high-impact, high-energy, and the ultimate prep for your weekend 'deal hunting.' Join me for the Wrap-Up!
FINAL CTA: Today’s Show is Brought to You By: TimeFixMyCredit.com, text ‘Credit’. And one more time—text EDGE to 561-861-2366 to get your personal invitation to the movement.
It’s a stone-cold fact—real estate is the best investment. Period. It’s the IDEAL Investment. I’m Eric Willner, and I’ll see you at the closing table!”
Radio Show Notes 02/18/26 Wednesday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Midweek Market Report: Are You Leaving $20,000 on the Table? Rates Are Lower. The Cost of Waiting to Sell
PART I: THE FOUNDATION
“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 this platform. I am also 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, so grab your pens, grab your notebooks, and let’s get to work!
It is Wednesday, February 18th. We are still feeling the echoes of Presidents' Day, and today is the Wednesday
Midweek Mortgage & Market Report Edition of The Real Estate Show. We are continuing the conversation we started on Monday: Why NOW is the right time to buy, and why Financial Independence has always started with property ownership.
Look, I say it every single day because the truth doesn't change: Everyone is IN Real Estate! Every one of you listening right now either OWNS IT or is ON IT. Either you are IN Real Estate because you OWN it. You searched it, you negotiated it, you closed on it, and you have the pride of ownership. You have the tax benefits. You have the long-term appreciation. You have the leverage.
OR, you are ON Real Estate. And whether it’s through direct rent payments to a landlord, or indirectly by working for an employer who pays the rent of your workplace, you are the one paying those who are IN Real Estate! You are funding someone else’s American Dream while yours sits on the shelf. The bottom line? For a homeowner who pays off their mortgage, financial freedom means living on a dramatically reduced budget, making retirement goals reachable. For a renter? Financial freedom is a mountain that keeps growing taller because you have to chase a perpetual, ever-increasing rent payment. Which side of the deed do you want to be on?”
The "Did You Know?" Wake-Up Call “Before we dive into the data, I want to hit you with three provocative 'Did you know?' questions. These aren't just stats; they are the blueprint of why we do what we do.
Today’s show is about one thing: Financial Independence has always started with property ownership. Knowing how that works isn't a 'luxury'—it is the absolute requirement for a plan that leads to success.”
The Mission & The Workshops “Before we get into the meat of the show, let me remind you of this week’s special FREE Workshops. We don't just give you the 'why' on the radio; we give you the 'how' in the classroom.
Do finances challenge you? Most people say YES! That’s why we provide The Financial Edge. It’s the education and knowledge that moves the needle. We are your Financial Team. We believe in a 3-pronged approach:
We want to be your team. Let's talk about it. Join us tonight at 8:30pm Eastern.”
The Midweek Mortgage Report: The Truth About 6.19% “Here are the top trending topics for today’s update. Let’s look at the national 30-year mortgage interest rate trends from BankRate.com.
Listen closely: On Wednesday, February 18, 2026, the current average interest rate for a 30-year fixed mortgage is 6.19%. If you’re looking to refinance, that average is 6.47%, which is actually down .06 basis points. Now, I know what you’re thinking. 'Eric, I remember 3%!' Forget 3%. That was a once-in-a-civilization event.
In summary, this has been another flat week, and in this market, flat equals stability. Since mortgage rates hit that 2025 low of 6.25% in late October, they haven’t moved much. A little down, but very little. Still, these rates remain near their lowest levels since 2022.
But here is the kicker: Even though rates have dropped to a 3-year low, home sales are still sluggish. The NAR says January sales dropped 8.4% from December. Why? Faltering confidence. People are scared of the 'R' word—Recession—and they’re waiting on the sidelines. Lawrence Yun, the NAR’s chief economist, said it’s a disappointment because lower rates should have brought more buyers.
But Bill Banfield at Rocket Mortgage hit the nail on the head. He said when rates fall below 5.99%, demand rises by 30%. It’s a psychological switch. Buyers are waiting for a '5' to show up. My advice? Don't be the 'Psychological Waiter.' When that switch flips and everyone rushes back in, prices are going to skyrocket. You want to buy the house while the crowd is still sleeping.
When would NOW be a great time to consult your mortgage professional? Right now. Whether you need a mortgage now or in two years, you need to compare. Text us 'Loan' to 561-861-2366. The National Average is 6.19%, but I have rates as low as 4.99% for qualified scenarios. Tune in tomorrow for the ATM edition to learn how to get those rates in the 4s!”
Preparing for the Break “We’ve got a lot more to cover—including why 70-year-olds are losing money on their home sales and the massive jump in refinance demand. We’re going to talk about how to prep early. We have inside info on two new mortgage products about to take the US by storm, plus a DPA program that is a game-changer.
But before we hit this hard station break, I need you to take the first step toward that 3-pronged approach we talked about.”
MIDPOINT CALL TO ACTION: “You can turn debt into wealth in Real Estate. You just need the right map and the right guide. Change your financial picture starting right now. Text the word EDGE to 561-861-2366. It’s time to move from being 'ON' real estate to being 'IN' real estate.”
[HARD STATION BREAK: 60 SECONDS FOR STATION IDENTIFICATION AND SPONSOR SPOTS]
PART II: THE EXECUTIVE STRATEGY
The Refinance Revolution “Welcome back to The Real Estate Show. I’m Eric Willner, and we are diving deep into the Midweek Market Report. If you missed the first half, we established the bedrock: Financial Independence has always started with property ownership. Now, let’s look at the news. Headline: 'Mortgage rates sink to the lowest level in a month, sparking more refinance demand.' Here are the key points you need to understand:
Think about that! The people who already OWN (the ones 'IN' real estate) are aggressively moving to save money. Refinance demand is up 132% because those owners understand that when rates dip, you strike. They are optimizing their debt while the people 'ON' real estate are sitting on the sidelines, waiting for a perfect world that doesn't exist.
Joel Kan from the MBA noted that while lower rates make homes more affordable, the supply isn't coming fast enough. This relates perfectly to our theme: If you own a home now, you have a 'Refinance Option'—a seat at the table. If you don't own, you’re just watching the game from the bleachers. This is why you need to own now. You can always change your rate later, but you can’t change the price you paid five years ago.”
Did you know that once homeowners reach age 70, they start getting 5% lower sale prices compared to younger sellers, and by age 80 that gap costs them over $20,000 on an average home? Your house is likely your biggest retirement asset, but if you don't have a plan to maximize its value, you're leaving serious money on the table when you need it most.
Did you know that baby boomers—who are in their 60s and 70s right now—represent 36% of all homeowner households in America, and 68% of them plan to age in place? That means the inventory shortage isn't going away anytime soon, and if you're waiting for prices to drop significantly, you might be waiting forever while your rent keeps climbing.
These aren't just random facts. These are wake-up calls about what's happening in the real estate market right now and why understanding these trends is absolutely critical to your financial success.
The 70-Year-Old Warning: The Cost of Waiting “This next article is a massive warning for every homeowner and every child of an aging homeowner. Headline: 'Home sellers start getting lower prices at 70, and the gap widens with age.'
Rewriting this for you in plain English: For most of you, your house is your biggest retirement asset. But research from Boston College shows that once you hit age 70, you start getting lower sale prices than younger homeowners. On a typical $400k home, a 70-year-old is losing about $20,000 on average. By age 80? They are getting 5% less than people in their 40s.
Why? Two reasons: Deferred maintenance and Off-market deals. Older sellers often let the little things slide—the leaky faucet, the dated carpet—and buyers 'price in' those repairs at triple the actual cost. Plus, older sellers often want to avoid the 'hassle' of the MLS, so they sell privately to investors who (big surprise) pay less.
This relates to our theme because Financial Independence isn't just about 'buying' property; it’s about 'managing' the asset.
As Jessica Lautz from the NAR said, 'We’re seeing that sellers are making transactions at later ages than they used to.' If you are counting on your home equity for retirement, you cannot afford to be passive. You need a plan. You need to declutter, you need to maintain, and you need to treat that house like the business asset it is. Don't sell under pressure; sell with a strategy.”
The "Automatic Landlord" Advantage “This is exactly why I created The Automatic Landlord System. Whether you are 25 or 75, you need a system that ensures your real estate is profitable and hassle-free. If you’re an older homeowner, don't let $20,000 or $50,000 of your hard-earned equity evaporate because of 'deferred maintenance' or 'selling under pressure.'
And if you’re a young investor, look at these trends! FHA mortgage demand is rising because borrowers are facing affordability challenges. People are hungry for housing. If you can provide that housing through smart investment, you are the one solving the problem and getting paid to do it.
You can check out more of these resources and the 'Automatic Landlord' philosophy at AutomaticLandlord.com.
But the first step is always knowing where you stand. We have special inside information on 2 new mortgage products about to take the US by storm—including a DPA (Down Payment Assistance) program that is making homeownership possible for people who thought they were locked out forever. And the best part? It’s a soft credit pull. It doesn't hurt to look!”
The Closing Command “We’ve covered a lot of ground today. We’ve looked at the 6.19% 'stability' in the market. We’ve looked at the 132% surge in refinances by savvy owners. We’ve looked at the cautionary tale of the 70-year-old seller.
What is the common thread? Leadership. Financial independence isn't a gift; it is a result. It has always started with property ownership because property is the only asset that allows you to be the CEO of your own life. It gives you the tax breaks, it gives you the equity, and it gives you the leverage to build a legacy that looks like Mount Rushmore instead of a pile of rent receipts.”
The Outro & Final Call “Thank you for tuning in to this Wednesday Midweek Mortgage & Market Report. But remember—don’t just listen. Use this show as the catalyst to get started. Real estate investing isn't for 'someone else'—it is for YOU. It is the virtual seminar that changes lives every single day.
Tune in tomorrow for the ATM Edition—About The Money. We’re going to talk about how to get those rates in the 4s and how to find investor loans in the 5s while the rest of the world is paying 7. Share this show with someone you care about who needs to stop being 'ON' real estate and start being 'IN' it.
I’m Eric Willner, and I’ll see you at the closing table!”
FINAL CALL TO ACTION: “Ready to move the needle? Ready to join the ranks of the 'IN' crowd? Take the 3-pronged approach to heart. Text the word EDGE to 561-861-2366 right now. Let’s get you on the path to financial sovereignty. Text EDGE to 561-861-2366.”
Radio Show Notes 02/17/26 Tuesday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Financial Independence Starts With Property Ownership — Here’s How to Make It Happen
Today is our Tuesday Tools, Tips, and Techniques Edition… and our theme this week is powerful:
Financial Independence has always started with property ownership.
Did you know that George Washington wasn't just our first president—he was one of America's wealthiest landowners, accumulating over 50,000 acres because he understood that property ownership was the ultimate form of independence? Before he could lead a revolution, he had to own the ground beneath his feet.
Did you know that over 60% of renters say they want to own a home, yet nearly half believe they’ll never qualify — largely due to credit uncertainty and debt misconceptions?
Did you know that the average American household now carries revolving credit balances exceeding $6,000, with interest rates on credit cards often over 20%, while mortgage rates — though higher than pandemic lows — remain dramatically lower than consumer debt rates?
Did you know that homeowners in America have a median net worth multiple times higher than renters — not because they earn more, but because they own appreciating assets?
These are just a few of the alarming statistics about the current market. It’s important to understand the challenges so you can plan accordingly.
These “Did You Know?” questions highlight something critical: homeownership is not just emotional — it’s structural. It impacts credit strength, wealth accumulation, tax positioning, and long-term security.
Either you OWN real estate because you bought it — you searched it, negotiated it, closed on it, and now enjoy the pride and benefits of ownership…
Or you are ON real estate — paying rent directly, or indirectly through your employer, funding those who are IN it.
Today let’s talk about the actions that lead to success… and the inaction that leads to stagnation.
Our mission is simple: to transform lives through affordable real estate. To empower, educate, and enable families and individuals to enjoy the American Dream of home ownership.
We all start with active income. But the goal is to build enough passive income to retire… or at least choose how you spend your time.
And real estate is one of the most reliable bridges from active to passive income.
Now let’s reset our energy.
Today’s Show is Brought to You By: TimeToFixMyCredit.com — text “Credit”.
Credit is not just a number. It’s leverage. It determines whether you pay 7% or 12%. It determines whether you qualify or get denied. Fix it. Strengthen it. Use it strategically.
Now…
In today’s highlighted Tools and Techniques, let’s dive into the practical part.
Yesterday I gave you 9 powerful reasons why financial independence has always started with property ownership.
Step 1: Build Equity Intentionally.Instead of paying rent, structure your housing so each payment increases your ownership stake.
Step 2: Create Multiple Streams of Income Through Property.Acquire property that produces cash flow, appreciation, loan paydown, and tax advantages.
Step 3: Control the Asset.Choose investments you can influence — through improvements, management, or repositioning.
Step 4: Use Real Estate as an Inflation Shield.Lock in long-term financing while rents and property values rise.
Step 5: Leverage the Tax Code.Understand deductions, depreciation, and expense offsets. Work with advisors who specialize in real estate.
Step 6: Use Strategic Leverage.A down payment controls a larger appreciating asset. Learn responsible leverage — not reckless debt.
Step 7: Think Long-Term Appreciation.Buy quality property in strong markets and let time work for you.
Step 8: Plan for Generational Wealth.Structure ownership for legacy — trusts, stepped-up basis planning, proper estate design.
Step 9: Scale Gradually.Start with one property. Stabilize it. Then repeat.
These aren’t theories. They’re steps.
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.
And don’t forget to join us next week as we continue breaking down real estate strategies that work in today’s market.
Now — hard reset.
————————————HARD STATION BREAK————————————
Welcome back to The Real Estate Show.
Let’s dig deeper into the tools used to achieve your real estate goals for this new year ahead of us.
Number one: Expert Coaching.
Real estate is simple — but not easy. Guidance matters. Mistakes are expensive. Surround yourself with experience.
Number two: The Path To Home Ownership Free Workshops.
Education removes fear. Clarity creates confidence. Attend the workshops. Ask questions. Learn the process.
Number three: Financial Calculators.
Run the numbers. Cash-on-cash return. Debt-to-income ratio. Cap rates. Mortgage amortization. Guessing is gambling. Calculating is investing.
Number four: A Financial Plan.
If you don’t have a written plan, you have a wish. Map out five years. Ten years. Income goals. Property goals. Exit strategy.
Not when rates drop.Not when the economy feels better.Not when someone else says it’s safe.
If not now, when?If not this, what?If not you, who?
That’s not motivational talk. That’s economic history.
Real estate remains the ideal investment because it combines:
Control.Cash flow.Appreciation.Tax efficiency.Leverage.Inflation protection.
Few other investments offer all of those in one vehicle.
There are resources for renters, buyers, and investors. That’s why we host our Tuesday night workshop. Show up. Learn. Execute.
Now let me summarize today’s show in five key points:
• Financial independence historically and structurally begins with property ownership.• There are three types of income — and real estate bridges active to passive.• Credit strength and leverage determine opportunity.• Nine actionable steps can move you from renter mindset to owner strategy.• Tools — coaching, workshops, calculators, and financial planning — accelerate success.
Tomorrow is our Wednesday Midweek Mortgage and Market Report.
You won’t want to miss getting up to date with what’s happening in rates, lending guidelines, and the broader real estate economy.
Thank you for investing 20 minutes of your day in your financial future.
But don’t just listen.
Use this show. Act on it. Start somewhere.
Tune in every weekday to The Real Estate Show — a literal seminar in every episode.
Attend our free online workshops.
Watch and LIKE the show live or on-demand at Facebook.com/TheRealEstateShow.
Likes keep us going. Shares keep us growing.
Thanks for listening — and I look forward to helping Make The American Dream come true for you soon.
Radio Show Notes 02/16/26 Monday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
"Monday On A Mission" Edition of The Real Estate Show
This Presidents' Day: Before Washington Could Free a Nation, He Had to Survey the Land—Because Independence Has Always Started with Property Ownership
Welcome to The Real Estate Show, hosted by me, Eric Willner, known as the Voice of Real Estate and founder of America's longest-running daily radio show about real estate.
Let me hit you with three "Did you know?" questions that should shake you awake this Presidents' Day morning:
Did you know that in 2026, the average American carries over $104,000 in debt—mortgages, credit cards, student loans, car payments—yet only 65% of Americans own their home, and less than 10% own investment property? We're celebrating presidents who built fortunes on land while we're buried in consumer debt on depreciating assets.
Did you know that every Presidents' Day, Americans spend an estimated $2.3 billion on mattress sales, furniture, and car deals—all depreciating assets—when that same buying power could be redirected toward down payments on appreciating real estate that generates monthly cash flow?
These "Did you know?" questions serve as a wake-up call and inspiration to think outside of the box, while highlighting the real and pressing challenges Americans face with debt. They open the door for deeper discussion about effective debt management strategies, financial planning, and solutions to help individuals break free from the burden of debt. It's about setting yourself up for success and taking the right steps toward financial independence.
Now, welcome to The Real Estate Show, hosted by me, Eric Willner, known as the Voice of Real Estate and founder of America's longest-running daily radio show about real estate. I am 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.
On January 1st, we hit the RESTART button and covered the things I would do if I were starting or starting over in real estate investing. The first five things were: Get Financially Educated, Know My Credit and Fix It Up, Create a Personal Financial Statement, Set Clear Investment Goals, Identify My Real Estate Strategy—and now, number six: understand that Financial Independence has always started with property ownership.
Today is the "Monday On A Mission" Edition of The Real Estate Show, and it's where we continue to talk about why NOW is the time to buy real estate using the theme of: Financial Independence has always started with property ownership.
Today's show is about "why" you need to know that, and this week, we'll discuss strategies to optimize your finances, including tax management techniques, debt reduction methods, investment strategies, and leveraging your home as a business asset.
Before we get into the meat of the show, let me remind you of this week's special FREE Workshops:
You want to attend these free online workshops because Real Estate requires skill, strategy, adaptability, and an unwavering determination to cross the finish line successfully.
Also, Everyone is in Real Estate! Either You are IN Real Estate because you own it—you searched it, negotiated it, closed on it and have the pride of ownership, along with the other benefits real estate has. 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 pay those IN Real Estate!
The road to financial victory may not be a straight path, but it's certainly an exhilarating one! Take that journey with us!
Here are the top ten reasons why Financial Independence has always started with property ownership:
Reason #1: Property Ownership Creates Forced Savings Through Equity Building Every mortgage payment builds equity. Unlike rent that vanishes, principal payments accumulate wealth automatically. Your tenant pays down your loan while you build a nest egg that grows month after month. Property ownership turns monthly payments into permanent wealth.
Reason #2: Real Estate Provides Multiple Streams of Income One property generates income four ways: monthly cash flow, appreciation, equity buildup, and tax benefits. No stock or bond offers this quadruple benefit. Multiple properties mean multiple income streams, and that means true financial independence.
Reason #3: You Control Your Asset, Not Wall Street When you own property, YOU are the CEO. You decide the rent, choose the tenant, manage improvements, control the outcome. Financial independence requires control, and real estate gives you that control in ways no other investment can match.
Reason #4: Real Estate is the Ultimate Inflation Hedge As inflation rises, so do rents and property values. Your mortgage payment stays fixed while rental income climbs. Inflation destroys cash and bonds but supercharges real estate returns. Property ownership doesn't just survive inflation—it profits from it.
Reason #5: Tax Benefits Turn Expenses into Deductions The tax code rewards property owners. Mortgage interest, property taxes, insurance, repairs, depreciation—all deductible. The government subsidizes your path to wealth through real estate. Property owners spend first and get taxed on what's left.
Reason #6: Leverage Multiplies Your Buying Power Real estate allows you to use other people's money—the bank's money, the tenant's money—to build wealth. A 20% down payment gives you 100% of the appreciation, cash flow, and equity buildup. That's how the wealthy multiply returns.
Reason #7: Properties Appreciate While You Sleep Home prices have appreciated an average of 4.2% annually over the past 30 years. A $250,000 property becomes a $675,000 property in 25 years without you lifting a finger. You're building wealth passively, automatically, inevitably.
Reason #8: Real Estate Creates Generational Wealth Property doesn't just build YOUR wealth—it builds your family's legacy. You can pass properties to your children with stepped-up basis, avoiding massive capital gains taxes. Real estate carries wealth across generations.
Reason #9: You Can Start Small and Scale Up You don't need millions to start. Start with one property. Then two. Then five. Each property teaches lessons, builds confidence, and increases capacity. Financial independence is built one property at a time.
Reason #10: Property Ownership Buys You Time Freedom When your properties generate enough passive income to cover your lifestyle, you've achieved true independence. You work because you want to, not because you have to. That's the promise Washington and every founding father understood.
You can turn debt into wealth in Real Estate. Change your financial picture. Start by texting the word CREDIT to 561-861-2366.
Now, here's the reality: even with all these benefits, most Americans never achieve financial independence through real estate. Why? Because they hit four major roadblocks. When you address these four roadblocks through property ownership—you win!
Roadblock #1: Government and Taxes The average American works until mid-April just to pay their annual tax bill—over 100 days of labor handed to the government. But the tax code is written by property owners, for property owners. When you own investment property, mortgage interest is deductible, property taxes are deductible, insurance and repairs are deductible. Depreciation allows you to write off "wear and tear" even while your property appreciates. Property ownership turns the tax code from your enemy into your ally.
Roadblock #2: Interest and Finance Charges Americans pay $120 billion per year in credit card interest alone. That's money disappearing into a black hole. But here's the difference: when you pay interest on consumer debt, you fund someone else's profit. When you pay interest on investment property, your tenant funds YOUR profit. Your renter covers your mortgage payment—including interest. And that interest? Tax deductible. Property ownership transforms finance charges into wealth-building weapons.
Roadblock #3: Uncontrolled Monthly Bills The average household spends over $5,000 per month on recurring expenses. When you convert your primary residence into a house-hacking opportunity or own investment properties, tenants start covering your mortgage and bills. When you leverage your home as a business asset, utilities and internet become business deductions. Property ownership turns expenses into income and deductions.
[HARD STATION BREAK - MIDSHOW]
[SECOND HALF BEGINS]
Welcome back to The Real Estate Show. I'm Eric Willner, and we're talking about why financial independence has always started with property ownership—especially on this Presidents' Day.
Roadblock #4: Inflation, the Silent Killer of Wealth At just 3% annual inflation, your dollar loses half its purchasing power in 24 years. That $100,000 in savings? In two decades, it buys what $50,000 buys today. The Federal Reserve's stated goal is 2% inflation—they're literally planning to destroy your wealth slowly and steadily. But property ownership flips the script. When inflation rises, rents rise. When rents rise, property values rise. Your mortgage payment stays locked while your income climbs. You borrowed yesterday's cheaper dollars and you're paying them back with tomorrow's inflated dollars while collecting ever-increasing rent checks. Inflation is the silent killer for those in cash and bonds. It's the silent builder of wealth for property owners. This is why financial independence has always—ALWAYS—started with property ownership.
So here's where we are: We've covered ten powerful reasons why property ownership is the foundation of financial independence. We've identified the four major roadblocks that keep Americans trapped. And we've shown how real estate turns every roadblock into a stepping stone toward wealth.
But here's what I need you to understand: none of this happens by accident. This happens when you make a decision. A real decision. Not a "someday" decision. A decision that leads to action.
Five years from now, you'll be five years older whether you buy property or not. Five years from now, inflation will have done its damage whether you protected yourself or not. Five years from now, the tax code will still reward property owners and punish W-2 employees whether you took advantage or not.
The only question is: will you be five years richer or five years broker?
Washington didn't wait for the perfect time to survey land. He surveyed it, he bought it, he accumulated it, and he became one of the wealthiest men in America. Not because he was lucky. Because he understood: independence—financial, personal, political—starts with owning the ground beneath your feet.
Today is Presidents' Day 2026. We celebrate it with mattress sales and three-day weekends. But what if this year—THIS year—you celebrated it differently? What if instead of buying something that depreciates, you committed to acquiring something that appreciates?
This week in our free workshops, we're going to show you exactly how to do that. We're going to walk you through strategies to optimize your finances, including tax management techniques, debt reduction methods, investment strategies, and systems for leveraging your home as a business asset.
Tuesday at 8pm: Path To Home Ownership Introduction. Text "Path" to get access. Wednesday at 8:30pm: Financial Edge Academy Live Session. Text "Edge" to join us.
These aren't sales pitches. These are strategy sessions. We're going to show you the roadmap that thousands of our students have used to go from financially stuck to financially free.
You don't need to be George Washington with 50,000 acres. You just need to start with one property. Then two. Then five. And before you know it, you've built something that generates income whether you show up to work or not. You've built independence.
Because that's what this has always been about. Not just money. Independence. The freedom to live life on your terms.
So here's my summary for today's "Monday On A Mission" edition: On this Presidents' Day, we remember leaders who understood that true independence is built on ownership, not employment. Washington surveyed and acquired land because he knew property was power. The same principle applies today—financial independence starts with owning real estate. By addressing the four roadblocks—government taxes, interest charges, uncontrolled bills, and inflation—through strategic property ownership, you transform obstacles into advantages and build wealth that compounds automatically. This isn't just about buying property. It's about claiming your independence, one asset at a time.
Tomorrow is our Tuesday Tools, Tips, and Techniques Edition of The Real Estate Show—you won't want to miss valuable resources and insights to help you profit and succeed in the real estate world.
Thank you for listening to today's show, but don't just listen—use our show to get started in real estate investing and change your life. Tune in every weekday to 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.
This is Eric Willner, the Voice of Real Estate, reminding you: Everyone is in real estate. The only question is whether you're IN it—building wealth—or ON it—paying someone else's mortgage.
We'll see you tomorrow.
Radio Show Notes 02/13/26 Friday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Valentine’s Friday Wrap-Up: Mortgage Trends, Investor Activity, Love & the Power of Good Credit
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 episode.
This week’s shows have all centered around one powerful idea:
Love Your Future: Why Good Credit Is the Most Underrated Advantage in Real Estate!
Today we’ll summarize each day’s highlights, wrap up the week, and set you up for success in real estate next week.
Engagement Hook – Did You Know?
Let me ask you three powerful questions.
Did you know that in today’s 6.12% mortgage environment, a borrower with stronger credit who acts now, can often save more over the life of a loan than someone who waits six months hoping for rates to fall below 6%?
Did you know refinance demand is up over 100% year-over-year — proving that prepared borrowers act when math makes sense?
Did you know that when sellers outnumber buyers by nearly 47%, strong credit becomes negotiating power — not just approval?
This week wasn’t about hype or salesmanship.
It was about preparation and action.
It was about leverage and why good credit is Love!
It was about loving your future and your credit.
Workshop Announcements
Let me remind you of next week’s free workshops:
• Tuesday 8PM – Path to Home Ownership (online by invitation)• Wednesday 8:30PM – Financial Edge Academy Overview• Saturday – Business Reading Club
And I want you to join our 72 Hour Challenge by texting Edge to 561-861-2366.
Three days can change direction.
Weekly Theme Expansion
Why is this theme critical?
Because good credit:
Ultimately, 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 — you must start NOW.
Why People Stay Stuck
Most people stay in the employee mindset.
They trade time for money.They rely on raises.They avoid financial literacy.
And fear keeps them frozen.
Fear of rates.Fear of credit scores.Fear of headlines.
The Real Estate Show exists to replace fear with clarity.
Clarity creates action.
Middle Break
Today’s Show — and better credit — is brought to you by:www.TimeToFixMyCredit.com.
And don’t forget, you can text the word EDGE to 561-861-2366 to join our community.
SEGMENT TWO
Now let’s walk through the week chronologically.
Monday – On A Mission (Approx. 300+ words)
On Monday’s On A Mission edition, we launched the week with a reframe:
Credit is not emotional.
Credit is mechanical.
We explained how avoiding credit costs more than confronting it.
We introduced the idea that loving your future means preparing today.
On Monday’s “On A Mission” edition of The Real Estate Show, we kicked off the week with a powerful Valentine’s-themed message: Credit Is Love.
The show reframed credit from something people fear or avoid into what it really is — a tool that creates options, lowers costs, and reduces stress. We explained that credit is not a reflection of character, but simply a record of past behavior, and behavior can be changed.
We broke down why most people stay stuck with credit issues — not because it’s complicated, but because they avoid it. And that avoidance quietly costs them higher interest rates, larger payments, more deposits, and missed opportunities in real estate.
The show emphasized that credit improvement is mechanical, not emotional. Once you understand the basic drivers — utilization, payment timing, account age, mix, and accuracy — progress becomes predictable and often faster than expected.
We tied this directly to real estate, explaining that leverage only works when credit cooperates. Better credit means better rates, faster approvals, and more negotiating power.
The takeaway from Monday was clear: You don’t fix credit because you’re broken. You fix credit because you’re building. And loving your future means preparing today.
• Avoidance is expensive.• Preparation beats timing. So start today.
Tuesday – Tools, Tips & Techniques (300+ words)
Tuesday was tactical.
We broke down:
Tuesday Summary:
Tuesday’s show focused on mechanics. We explained that lowering utilization below 30% — ideally below 10% — can move scores significantly. We clarified that statement dates matter more than due dates. We reinforced that structure beats emotion.
Builders don’t guess. They systemize.
Strategies:• Lower utilization strategically.• Pay before statement close.• Keep older accounts active.• Dispute inaccuracies.• Get pre-qualified early.
Actions steps:
Wednesday – Midweek Mortgage & Market Report (300+ words)
Wednesday, we analyzed data.
30-year fixed: 6.12%.Refi demand: up over 100%.Demand for ARMs is rising.FHA demand increasing.Contract cancellations climbing.
On Wednesday’s Midweek Mortgage & Market Report, we reinforced this week’s theme: Love Your Future — Why Good Credit Is the Most Underrated Advantage in Real Estate.
Mortgage rates held steady this week, with the national average 30-year fixed coming in at 6.12%, down slightly, while refinance rates ticked up to 6.53%. Overall, rates remain in a relatively narrow range between 6% and 6.5%, creating what can best be described as a stable environment. Stability means predictability — and predictability favors those who prepare.
Refinance activity rose 101% year-over-year, signaling that borrowers are actively calculating their opportunities. Meanwhile, FHA loan demand is increasing as affordability pressures remain. Adjustable-rate mortgages also ticked higher in share, reflecting strategic shifts among buyers seeking lower initial rates.
In broader housing news, over 40,000 home purchase contracts were canceled in December — the highest rate in nearly a decade. Sellers now outnumber buyers by roughly 47%, creating more options and leverage for serious, prepared purchasers.
The key takeaway? In a market where buyers are selective and sellers are adjusting, strong credit is the silent negotiator in the room. It lowers costs, strengthens approvals, and increases flexibility. You don’t wait for a deal to fix your credit — you fix your credit so you’re ready when opportunity appears.Key Insights:• Rates remain in narrow range.• Buyers are selective.• Small investors dominate activity.
Thursday – ATM: About The Money (300+ words)
Thursday, we connected it to wealth.
We reinforced the IDEAL investment framework:
IncomeDepreciationEquityAppreciationLeverage
We contrasted hype versus proven strategy.
We emphasized the Save → Make → Multiply system.
On Thursday’s ATM – About The Money edition of The Real Estate Show, we drilled down into why good credit is one of the most underrated financial advantages in real estate — especially in a stable 6% mortgage market.
We began by examining how today’s rate environment, with the 30-year fixed hovering around 6.12%, creates opportunity for prepared buyers. Refinances are up over 100% year-over-year, and small investors continue to represent the majority of purchases. The message was clear: opportunity favors preparation.
We explained that credit isn’t just about approval — it’s about leverage. Strong credit reduces interest costs, increases negotiating power, and allows buyers to act decisively when others hesitate. In a market where contract cancellations are rising and inventory is adjusting, prepared buyers are gaining ground.
We reinforced the IDEAL framework of real estate — Income, Depreciation, Equity, Appreciation, and Leverage — and how credit strengthens every one of those pillars.
Finally, we tied it back to our Financial Edge philosophy: buy a home, keep it in financial order with a written plan, and own a business that provides income and tax benefits.
The takeaway: Loving your future means fixing your foundation today. Credit is not emotional — it’s mechanical. And it can be optimized faster than most people think.
Takeaways:• Real estate is structured predictable wealth.• Credit amplifies leverage and saves time.• Business income fuels investment.• Planning creates confidence.
Second Sponsorship CTA (¾ Mark)
Today’s Show — and better credit — is brought to you bywww.TimeToFixMyCredit.com.
Don’t forget to text EDGE to 561-861-2366 to gain your Financial Edge.
Conclusion — TGIF Wrap-Up
TGIF.
Thank Goodness It’s Friday.
Or better yet —
? This week’s theme: Love Your Future — Why Good Credit Is the Most Underrated Advantage in Real Estate.
? Mortgage rates held steady around 6.12%, creating stability and planning opportunity.
? Refi demand up over 100% year-over-year, showing prepared borrowers are acting.
? Investors purchased roughly 33% of single-family homes, most of them small investors.
? Rising contract cancellations create negotiation leverage for qualified buyers.
? Monday: Credit reframed as leverage, not emotion.
? Tuesday: Tactical steps to improve utilization, timing, and structure.
? Wednesday: Market data showed stability + opportunity.
? Thursday: Real estate reinforced as the IDEAL Investment (Income, Depreciation, Equity, Appreciation, Leverage).
? Sponsors & CTAs: Visit TimeToFixMyCredit.com, learn more at AutomaticLandlord.com, and text EDGE to 561-861-2366.
? Final takeaway: Preparation beats prediction. TGIF = Thank Goodness I’m Financially Prepared.
Thank Goodness I’m Financially Prepared.
And here in Florida —
Thank Goodness It’s Florida — the best market in America!
You either own it —Or you pay those who do.
Today’s Show — and better credit — was brought to you by www.TimeToFixMyCredit.com. Text EDGE to 561-861-2366 to connect with us directly.
Thank you for tuning in this week.
Remember — don’t just listen — use our 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 President’s Day edition of Monday on a Mission.
And it’s a stone-cold fact:
Real estate is the best investment. Period. It’s the IDEAL Investment.
Radio Show Notes 02/12/26 Thursday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
About The Money: How Good Credit Turns Real Estate Into a Retirement Engine
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. The radio show is called The Real Estate Show, hosted by me, 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.
Today is Thursday, and that means it’s the “ATM – About The Money” edition—where we laser-focus on the financing, cash flow, and wealth-building strategies that turn clarity into confidence and plans into profits.
Our theme continues:
Love Your Future: Why Good Credit Is the Most Underrated Advantage in Real Estate.
Today we connect that theme directly to money, leverage, retirement, and freedom.
HOOK — DID YOU KNOW?
Let me ask you something.
Did you know that in today’s 6% interest rate environment, a borrower with strong credit can often save more over 10 years than someone waiting six months for rates to drop—simply because better credit improves pricing, fees, and negotiation power?
That’s not theory. That’s math.
This is Week 7 of 2026. The year is moving. Markets are adjusting. Buyers are recalibrating.
And here’s the good news:Real estate doesn’t just offer appreciation.
It delivers:
Multiple ROI streams.
And good credit makes every one of those streams stronger.
SETTING THE TABLE
Let’s connect the dots from earlier this week.
Monday — On A Mission
We launched the theme: clarity + written plan defeats fear and indecision.
Credit is not a judgment. It’s a lever.
Tuesday — Tools, Tips & Techniques
We broke down the mechanics:
Preparation beats emotion.
Wednesday — Midweek Mortgage & Market Report
Data recap:
That means opportunity is not reserved for institutions. It’s reserved for prepared people.
Today is Thursday—“About The Money”—where we convert clarity into cash-flow strategy and concrete action.
NEW “DID YOU KNOW?”
Let me challenge you.
Did you know that poor credit can cost you more over five years than the difference between buying now versus waiting for a 0.25% rate drop?
Did you know that strong credit can allow you to negotiate seller credits, rate buydowns, and closing costs in a market where buyers are walking away from contracts?
Did you know that failing to optimize your credit today could delay your retirement timeline by years—not because of rates, but because of reduced leverage?
That’s the cost of not loving your future.
COMMUNITY & WORKSHOPS
We had a great Wednesday night workshop—our Financial Edge University Overview.
We’re building a community of Street-Smart, Money-Smart people who act with clarity.
You can join us online by invitation—text EDGE to 561-861-2366.
Financial Literacy Month is in April.We believe every month is Financial Literacy Month.
Lack of literacy leads to foreclosure.Lack of literacy leads to working forever.Knowledge changes trajectories.
Mid-show break coming at 13:00.
Quick reset:
Brought to you by www.TimeToFixMyCredit.com—our partner in bringing you homeownership regardless of credit, regardless of down payment.
ABOUT THE MONEY — TEACHING BLOCK
Let’s talk fundamentals.
Why is real estate the IDEAL investment?
IDEAL stands for:
Real estate is simple. It’s tangible. It’s controllable.
Compare that to hype-driven wealth paths:
Real estate?Predictable. Bankable. Financeable.
And good credit makes it cheaper.
Financial Edge Academy provides knowledge and hope—without hype. Proven track. Documented results.
NEW: We’ve added Guaranteed Business Funding for new or existing businesses—with no need for, nor impact to, your personal credit score. Text “Funding” to learn more.
Today’s Show is Brought to You By: TimeFixMyCredit.com, text “Credit.”And don’t forget: Text EDGE to 561-861-2366 to get your invitation to our next session.
Brought to you by www.TimeToFixMyCredit.com.
ERIC’S 3 CORE BELIEFS + 5-STAR SYSTEM
My three deep beliefs:
Do these three things, and you gain control.
Our 5-Star, 3-Tiered System
Level 1 – Save
Level 2 – Make
Level 3 – Multiply
Mini Case Study:
Pre-qualified buyer → clear buy-box → negotiated seller credit → locked rate → captured depreciation → refinance plan in 24 months.
That’s how you love your future.
Today’s Show is Brought to You By: TimeFixMyCredit.com, text “Credit.”Text EDGE to 561-861-2366 to get the systems, the team, and the plan.
ACTION PLAYBOOK FOR THIS WEEK
Here’s what you do next:
IN CLOSING
Everyone is IN real estate—either owning it or paying someone who does.
With clarity and a plan, you move from ON real estate to IN real estate.
Today’s Show is Brought to You By: TimeFixMyCredit.com, text “Credit.”
And one more time—text EDGE to 561-861-2366 to get your personal invitation.
Thanks for listening—don’t just listen, use our show to get started in real estate investing. Tune in every weekday—it’s a literal seminar in every episode of The Real Estate Show. Join our workshops—they’re built for you.
Tomorrow — Friday Weekly Wrap-Up!
Tomorrow on The Real Estate Show…
We connect every dot from this week.
Credit.Rates.Leverage.Opportunity.
Are you waiting for the market to change?
Or are you changing your preparation?
If you missed even one episode, tomorrow is your reset.
Because builders don’t react.
They prepare.
Join me for the Friday Weekly Wrap-Up.
And remember…
It’s a stone-cold fact — real estate is the best investment. Period. It’s the IDEAL investment.