Radio Show Notes 11/07/25 Friday: 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.
#TheRealEstateShow, #EricWillner, #AutomaticLandlord, #ThirdHome, #BestRealEstate, #WSBR, #AM740, #FM 96.9, FM 103.9, #MoneyTalkRadio, #TheRealEstateLife, #speakingempire, #GKIC, #makeamericagreatagain, #propertymanagement, #rent
Radio Show Notes 11/06/25 Thursday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Zero Down, Infinite Impact: How the VA Loan Turns Service into Wealth
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 show about real estate!
I’m Eric Willner, The Voice of Real Estate, founder of America’s longest-running daily real-estate show and creator of The Automatic Landlord System for owning cash-flowing real estate profitably and hassle-free.
Every episode is a virtual real-estate seminar, and today is Thursday — the “ATM – About The Money” Edition, where we laser-focus on cash flow, financing, and the systems that turn clarity into confidence and plans into profits.
Our theme continues:
Zero Down, Infinite Impact: How the VA Loan Is the Wealth Retirement Accelerator.
This week we celebrate our veterans and honor the benefit that turns service into ownership and ownership into freedom.
HOOK / DID YOU KNOW? (02:00 – 04:00)
Did you know that a veteran with a VA loan and a plan can buy a home with zero down, no PMI, and instant equity through appreciation and amortization combined?
Did you know that South Florida continues to rank among the top three U.S. markets for real-estate appreciation over the last 12 months, averaging near 8% annual growth despite higher rates?
And did you know that buyers who got pre-qualified this quarter locked rates in the mid-6’s while waiting buyers saw prices climb faster than rates fell?
We’re in Week 45 of 2025 — and the market is alive with opportunity for those who act with clarity and a written plan.
RECAP (04:00 – 08:00)
Monday – On a Mission: We focused on clarity and planning to defeat fear.Tuesday – Tools, Tips & Techniques: We covered pre-qualification, credit readiness, and building a funding team.Wednesday – Midweek Mortgage & Market Report: We anchored with data:• 30-year fixed averaged 6.22–6.26% this week.• Refi volume is +112% YoY as borrowers chase rate drops and equity pulls.• ARMs now make up 11% of new apps.• Investors still account for ≈33% of single-family purchases nationwide – a five-year high.
So today, Thursday, we turn data into dollars-and-sense — it’s About The Money time.
NEW DID YOU KNOW x3
1?? Did you know locking a rate with a solid plan can be worth more than waiting six months for a maybe-lower rate if prices and rents rise first?2?? Did you know a written plan and pre-qualification can cut your negotiation time and improve seller terms?3?? Did you know that tax benefits plus depreciation often turn a “break-even” rental into positive cash flow on an after-tax basis?
That’s why financial literacy and planning are worth more than luck.
COMMUNITY & WORKSHOPS
Last night’s Financial Edge University Overview was packed! We’re creating a movement of street-smart, money-smart homeowners and investors who take action.
You can join us online — text EDGE to 561-861-2366.
Every month is Financial Literacy Month here on The Real Estate Show because ignorance is expensive and knowledge pays dividends for life.
ABOUT THE MONEY TEACHING BLOCK
Why is real estate the IDEAL investment?
I = IncomeD = DepreciationE = EquityA = AppreciationL = Leverage
The VA loan amplifies all five: Zero down means maximum leverage; no PMI means lower monthly cost; and low rates mean faster equity build.
Compare that to the noise:• Crypto speculation – 95% lose money.• Stock trading – short-term winners, long-term average.• Influencer fantasies – few profit after taxes.• Salary-only strategy – less than 5% reach millionaire status by 65.
We teach proven wealth systems backed by data, not hype. And we’ve added Guaranteed Business Funding options that don’t use your personal credit score. Text Funding to learn more.
CTA #1
Today’s show is brought to you by TimeToFixMyCredit.com. Text Credit to 561-861-2366.And don’t forget — text EDGE for your workshop invite.
( MID-SHOW BREAK )
You’re listening to The Real Estate Show with Eric Willner, brought to you by TimeToFixMyCredit.com — homeownership regardless of credit or down payment.
ERIC’S 3 CORE BELIEFS + SYSTEM
My 3 core beliefs:1?? Everyone should buy a home.2?? Everyone should have a written financial plan.3?? Everyone should own a business that pays them and gives tax benefits.
Those create your Financial Edge.
Our 5-Star, 3-Tier System: Save – tax optimization, debt management, expense control. Make – increase income, set cash-on-cash targets, structure financing. Multiply – leverage equity, refi smart, use 1031s and BRRR strategies.
Mini Case: VA buyer gets pre-qualified → finds duplex → negotiates seller credit → locks 6.2% rate → rents one unit → uses depreciation & amortization → plans IRRRL refi in 24 months → cash-flows + equity growth = retirement accelerated.
CTA #2
Brought to you by TimeToFixMyCredit.com — text Credit to 561-861-2366.Then text EDGE to get the systems, the team, and the plan.
ACTION PLAYBOOK
1?? Text EDGE to 561-861-2366.2?? Get Pre-Qualified — know your buying power.3?? Write your plan — budget, markets, exit strategy.4?? Assemble your team — agent, lender, inspector, tax pro.5?? Run the numbers — payment, cash flow, reserves.6?? Negotiate credits and rate buydowns.7?? Own it — track KPI’s, refi when smart, scale with clarity.
CLOSE (28:00 – 30:00)
Everyone is in real estate — you’re 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 TimeToFixMyCredit.com — text Credit.And don’t forget to text EDGE to 561-861-2366 for your invitation to our next Financial Edge University session.
Thank you for listening. Don’t just listen — use what you’ve learned today to build wealth and freedom.
Tomorrow is our Friday Weekly Wrap-Up — we’ll recap the week’s strategy and set you up for success heading into 2026.
Because when it comes to building wealth and freedom…
Real estate is the IDEAL investment — Income, Depreciation, Equity, Appreciation, and Leverage.
Radio Show Notes 11/05/25 Wednesday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Midweek Market Report: Rates at 6.24%, Investors Rise, and Why VA Loans Are the Smartest Play of 2025
“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, founder of America’s longest-running daily real estate show, and 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, where we bring you the latest mortgage trends, market insights, and funding strategies to power your next real estate move.
Why NOW still works in South Florida (and why VA is a superpower)
Let’s get local. South Florida continues to be one of the most resilient, globally demanded housing markets on the planet—high-quality jobs, no state income tax, sunshine, migration, and investment capital from across the U.S. and abroad. In Miami-Dade, the single-family median sale price held firm at $665,000 in September and condos at $420,000—that’s 13+ years of mostly consistent gains for single-family and a long trend of steady condo pricing. MIAMI REALTORS®Inventory is normalizing: a recent October market snapshot shows ~6.5 months of inventory for Miami single-family—finally giving buyers choices without erasing long-term appreciation. negociomiami.com
In Broward County, months’ supply sits at a balanced ~5.4 months for single-family and ~11.6 months for condos—meaning more negotiating room on condos, while houses are closer to a fair fight between buyers and sellers. MIAMI REALTORS®
Up in Palm Beach County, the latest local report pegs the single-family median at ~$510,000 with ~7 months of supply, hinting at a market that’s orderly—not overheated. rhondatownsend.com
Translation: South Florida has choice without losing strength. That is the window where smart buyers—especially veterans using VA financing—can lock in long-term wealth.
Today’s Rate Check (national backdrop)
As of today, Wed Nov 5, 2025, Bankrate shows the average 30-year fixed at ~6.24%. Fifteen-year sits near 5.6%, and jumbos hover in the low-to-mid 6’s. Rates are tied to the 10-year Treasury, which dipped below 4% recently, but bounced above again this week—hence the day-to-day wiggles. Bottom line: we’re in the low-to-mid 6’s band today. Bankrate+1
Why do I harp on that? Because probability favors volatility near Fed meetings and data releases. Many forecasters are discussing the prospect of another Fed cut later this month, but even then, mortgage rates don’t always follow one-for-one. The message remains: shop lenders, compare quotes, and be ready. Bankrate
Everyone is IN Real Estate
You either own it—searched it, negotiated it, closed it, and now enjoy tax benefits, amortization, and appreciation—or you’re ON it, paying someone else’s mortgage via rent or even via your employer’s commercial lease.
Bottom line:
That’s why our theme matters today:
Zero Down, Infinite Impact: How the VA Loan Is the Wealth Retirement Accelerator
The VA loan removes the biggest early hurdle—the down payment—and strips away PMI, often lowers the rate, and comes with flexible guidelines. That’s rocket fuel for a lifetime wealth plan.
“Did you know?” — Today’s wake-up calls
These are wake-up calls. Markets reward prepared buyers—especially veterans wielding VA leverage.
Workshop Reminders (South Florida audience)
We believe in a 3-pronged approach:
Mortgage & Market Headlines (with Eric’s take)
Bankrate today:
When is NOW a good time to call your mortgage pro?When you can improve cash flow, secure a home, or stop feeding rent inflation. Today is such a day.
Local pulse:
Strategy & Education: Turn VA Benefits into a Retirement Engine
Why the theme matters: The VA loan converts service into equity. Zero down, no PMI, competitive rates, and repeatable usage (with entitlement restoration) make it a wealth accelerator. You can house-hack, owner-occupy, then retain and rent as you move up—compounding cash flow, amortization, and appreciation over decades.
Connect to today’s data: Rates in the low-to-mid 6’s are workable—especially if you avoid PMI and keep reserves. South Florida’s months’ supply finally lets you pick your spots. Investors are active (33% share in Q2), but small investors dominate, not just institutions—which means you can play at that field, too. BatchData
Nine VA-powered moves (quick hits, then examples):
Example — Miami duplex with VA:Buy at $700k with zero down, 6.25% rate. Live in one unit; rent the other at $3,200. Without PMI, your net out-of-pocket shrinks. Over five years, rents rise, principal falls, value likely appreciates. You just converted housing cost into an appreciating, income-producing asset—that’s the retirement accelerator.
25% Sponsor Break & CTA
“Today’s Show is brought to you by TimeToFixMyCredit.com.Text CREDIT to 561-861-2366. A stronger score = better pricing, more approvals, and faster closings.”
Headline Deep-Dive #1 — Rates bumped; demand paused (what it means for YOU)
Headline: “In a volatile week for interest rates, mortgage demand pulled back.”Key points (MBA weekly):
Eric’s summary (15-minute explainer):Last week was a rollercoaster. Rates hit the lowest level in over a year on Tuesday, then shot higher after the Fed announcement and Powell’s presser on Wednesday, and drifted again Thursday/Friday. That whiplash dented refis—down ~3%—and nudged purchases down ~1% week-over-week; yet purchase demand is still +26% year-over-year, which tells you the market is thawing compared with late-2024. MBA’s Joel Kan notes FHA activity firmed even as conventional and VA apps dipped during the noise. This is exactly what we expect when 10-year Treasury yields bounce on policy headlines: short-term pain, long-term opportunity. MBA+1
Why does this relate to “Zero Down, Infinite Impact”? Because VA buyers are less rate-fragile thanks to no PMI and flexible underwriting. In South Florida, where condo supply is higher (11.6 months in Broward) and single-family is balanced, you can use VA to enter now, and later—when rates ease—IRRRL to drop your payment. If you wait for the perfect day, you risk missing the perfect asset. MIAMI REALTORS®
Action steps right now:
And remember: South Florida insurance is real—shop policies early; structure deductibles smartly; and invest in mitigation credits (shutters, roof, elevation certificates). That’s how pros keep cash flow intact.
“This week’s search trends” (what your neighbors are Googling)
(Those mirror the questions I’m getting from clients this week—you’re not alone.)
Mid-Show Break (Halfway Point) — Commercial + CTA
“Today’s Show is brought to you by TimeToFixMyCredit.com.If you’re buying in the next 3–12 months, text CREDIT to 561-861-2366 and tighten up your score.And right now—text EDGE to 561-861-2366 to get tonight’s Financial Edge invite. Let’s put a written plan behind your goals.”
Headline Deep-Dive #2 — Investors’ five-year high share
Headline: “Investors are making up the highest share of homebuyers in 5 years.”Key points:
Eric’s 5-minute takeaway (why it supports today’s theme):The headlines love “Wall Street,” but the data show Main Street is the real force: 90% of investor-owned homes belong to small investors holding 10 or fewer properties. They target lower-priced homes (avg. ~$455k vs national ~$512k) and cash-flow markets—very often the exact duplex or condo you’re considering. If you’re a veteran, your VA loan is your edge: acquire with zero down, lock in no PMI, and step into the same wealth machine the small pros use. In Florida, investors have a big footprint—Florida/Texas/California lead in counts—so move like a pro: buy right, finance right, hold right. BatchData
Practical Playbook: “Whether you need a mortgage now… prepare early”
“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 (pre-qualification) to see where you stand.”And yes—we’re tracking two new mortgage products hitting the U.S. market plus a down-payment-assistance option and soft-pull pre-checks to protect your score while you shop. Text “LOAN” to 561-861-2366 and we’ll walk you through which programs fit your plan. (Rates and product availability change—comparison shopping matters.) Bankrate
Also: Refi math. A 0.25%–0.50% rate improvement can justify an IRRRL if the breakeven is sensible (months to recoup costs). We’ll run that breakeven spreadsheet with you.
South Florida Focus: neighborhoods & tactics
Pro tip: Ask for seller credits toward rate buydowns and closing costs—especially on condos with longer DOM—so your VA purchase starts cash-flow healthier on day one.
Rewriting the MBA “volatile week” article in my voice (with quotes)
Last week’s rate seesaw did exactly what we warned it would do: it squeezed weekly demand. The MBA reported total mortgage applications fell ~1.9%, with the average 30-year fixed contract rate nudging from ~6.30% to ~6.31% on conforming loans. We actually touched the lowest level in over a year on Tuesday before the Fed and Chair Powell’s comments jolted yields on Wednesday—classic “headline risk.” Refis fell ~3%, still triple-digits above last year’s depressed levels, while purchase apps slipped ~1% but remain ~+26% year-over-year. As MBA’s Joel Kan put it, “FHA applications saw a stronger week…as borrowers continue to seek options to manage affordability,” and FHA refis surged as its rate ran >10 bps below conventional. That’s the market telling you to be nimble and use programs wisely. Mortgage News Daily
Why this proves the theme: When volatility bites, zero-down + no PMI + flexible underwriting (VA) lets you buy the asset and let time and amortization work. Then you IRRRL later. Waiting for a mythical 4-handle rate while rents rise and prices grind higher is how people get priced out.
You can read more and grab today’s full notes at AutomaticLandlord.com.
75% Sponsor Break & CTA
“Today’s Show is brought to you by TimeToFixMyCredit.com.Text CREDIT to 561-861-2366 to improve your pricing power and approvals.”
Quick hits before we land the plane
Summary
Today we proved that real estate remains the best vehicle for wealth and early retirement—especially when you use tools like the VA loan to eliminate down payment, avoid PMI, and lock in leverage. With South Florida inventory normalizing (Miami SFH ~6.5 months; Broward condos ~11.6 months; Palm Beach SFH ~7 months) and national 30-yr rates ~6.24%, the opportunity is to buy the right asset now, then optimize the financing as cycles turn. Bankrate+3negociomiami.com+3MIAMI REALTORS®+3
Final Calls-to-Action
Conclusion
Thanks for tuning in to The Real Estate Show—your daily seminar in real estate. Don’t just listen—use what you learned today to step IN to real estate with a plan, the right financing, and a local strategy that works in South Florida.
Join us tomorrow for the ATM – About The Money edition, where we’ll focus on financial literacy and wealth-building—including how buyers are legitimately getting rates in the 4’s and investor loans in the 5’s with structure and strategy.
Share this episode with someone who should own real estate.Visit: AutomaticLandlord.com for transcripts, past episodes, and workshop links.Follow: Facebook.com/TheRealEstateShow — Likes keep us going, Shares keep us growing!
— Eric Willner, The Voice of Real Estate
Radio Show Notes 11/04/25 Tuesday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Radio Show Notes 11/31/25 Monday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Monday On A Mission: Zero Down, Infinite Impact — Why the VA Loan is the Wealth Retirement Accelerator
By Eric Willner, Investor and Host of The Real Estate Show, America’s longest running daily radio show about real estate.
Welcome to The Real Estate Show, hosted by me, Eric Willner, known as The Voice of Real Estate, founder of 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!
Every episode of this show is a virtual real estate seminar on the air, and today’s show — The Monday On A Mission Edition — is designed to do what Mondays are made for: set the tone, sharpen the focus, and fuel your mission for the week ahead.
Today’s Mission Theme
Zero Down, Infinite Impact: How the VA Loan is the Wealth Retirement Accelerator
Let me ask you three powerful questions to start your week — and get you thinking like an investor, not just an earner:
These “Did You Knows” aren’t just trivia — they’re wake-up calls.They highlight how opportunity often hides in plain sight, especially when we’re overwhelmed by debt, distracted by inflation, or paralyzed by fear.
It’s time to shift our thinking, and that’s exactly what the 21-Day Challenge and this week’s mission are all about:
“Shift your income, scale your mindset, and stop trading time for money.”
Setting the Stage
Since July 1st, we’ve been walking through the 10 things I’d do if I were starting over in real estate.
We’ve already talked about:
Now, here in Week 45, we’re moving into the action phase — where your strategy meets funding and your mindset meets momentum.
Why the VA Loan is a Game-Changer
The VA Loan isn’t just a mortgage product — it’s a Wealth Retirement Accelerator.For veterans, active-duty members, and even qualifying surviving spouses, this program offers one of the most powerful, risk-mitigated wealth tools in America.
Here are the Top 10 Reasons why the VA Loan is the “Zero Down, Infinite Impact” pathway to long-term wealth:
1?? Zero Down Payment = Maximum Leverage
No down payment means you can preserve your cash for improvements, reserves, or your next investment.In real estate, leverage multiplies results — when used responsibly, it’s the key to exponential wealth.
2?? No Private Mortgage Insurance (PMI)
Most loans under 20% down require PMI. VA Loans don’t.That’s hundreds of dollars saved every month — dollars that can instead go toward equity or investments.
3?? Competitive Interest Rates
VA-backed loans often come in 0.25% to 0.50% lower than comparable conventional loans.Over time, that translates into tens of thousands of dollars saved in interest.
4?? Easier Qualification Standards
The VA doesn’t have minimum credit score requirements.Lenders often approve borrowers with scores in the mid-600s or even lower, depending on compensating factors.
It’s another reason we always say:
“You can turn debt into wealth — in real estate.”(Text CREDIT to 561-861-2366 to find out how!)
5?? Ability to Buy Multi-Unit Properties
Yes, you can buy a duplex, triplex, or fourplex with a VA Loan — live in one unit and rent out the others.That’s how to live for free while your tenants build your equity.
6?? Reuse and Rebuild
VA eligibility doesn’t expire.Once you’ve paid off your VA Loan, you can use it again — even multiple times in your lifetime.
7?? Assumable Loan Advantage
In an environment where rates rise and fall, assumable VA Loans become gold.Future buyers can assume your lower-rate loan, giving you a major selling advantage.
8?? Streamline Refinance (IRRRL)
The VA’s Interest Rate Reduction Refinance Loan allows existing VA borrowers to refinance quickly and easily — often without income verification, appraisal, or out-of-pocket costs.
9?? No Early Payoff Penalties
Paying off your loan early? You’ll never be penalized.That means more flexibility, faster debt freedom, and easier portfolio management.
Lifetime Benefit for You and Your Family
This is not just a one-time perk — it’s a lifetime wealth accelerator for those who served our nation.Homeownership creates stability, equity, and generational opportunity.
Quarter Break — Sponsor Segment
“Today’s Show is brought to you by: www.TimeToFixMyCredit.com.If your credit could use a tune-up, or you’re planning to buy a home, this is the place to start.You can turn debt into wealth in real estate — start by texting the word CREDIT to 561-861-2366.”
The Four Major Roadblocks to Financial Independence
To build wealth — whether through VA Loans, traditional investing, or small business ownership — you have to eliminate the obstacles that quietly steal your money.
Let’s break them down:
Roadblock #1: Government and Taxes
The average American gives up 25–35% of their income to taxes.Real estate investors, however, can leverage deductions, depreciation, and tax-deferred gains to keep more of what they make.
The VA Loan, in particular, sets you up for owner-occupied tax advantages, plus capital gains exclusions when you sell later.
Roadblock #2: Interest and Finance Charges
According to a Wall Street Journal study, Americans spend 34.5 cents of every dollar on interest and finance charges.With VA-backed low rates, you can save that money — and use it to accelerate equity or buy another property.
Roadblock #3: Uncontrolled Monthly Bills
Debt without discipline leads to decline.That’s why financial literacy — budgeting, tracking, and investing intentionally — is the difference between surviving and thriving.Remember: you’re either in control of your money, or it’s in control of you.
Roadblock #4: Inflation — The Silent Killer of Wealth
Inflation erodes your purchasing power every single year.But owning real estate is inflation’s antidote.As prices rise, so do rents and property values — meaning real estate owners benefit while renters struggle.
Why Everyone Is in Real Estate
Everyone is either IN Real Estate — because you own it, control it, and build equity — or you’re ON Real Estate, paying rent or helping someone else pay down their mortgage.The question isn’t if you’re in real estate… it’s how.
And the VA Loan gives qualifying veterans the power to go from tenant to tycoon — zero down, infinite impact.
Mid-Show Sponsor Break
“This show is brought to you by: www.TimeToFixMyCredit.com — our partner in helping families become homeowners, regardless of credit or down payment.And don’t forget, you can always text CREDIT to 561-861-2366 to start your Financial Edge journey today!”
Today’s Summary — Key Takeaways
Closing Thoughts
Remember, today is your Monday On A Mission — and your mission is to act.Don’t wait for perfect timing; create it.
Join our workshops this week:
Take advantage of the education that turns knowledge into equity.
Because every day you wait to start, someone else is buying the property you could have owned.
Final Word
“Thanks for tuning in to The Real Estate Show — don’t just listen, use our show to get started in real estate investing and change your financial future.Tune in every weekday for a virtual seminar on the air — and join our free online workshops by texting the word EDGE to 561-861-2366.
Tomorrow, we’ll bring you the Tuesday Tools, Tips, and Techniques Edition — where we’ll break down the actionable strategies to help you profit and succeed in real estate.”
And remember my favorite line:
“It’s a stone-cold fact that real estate is the best investment. Period. It’s the IDEAL Investment.”
Radio Show Notes 10/31/25 Friday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Radio Show Notes 10/30/25 Thursday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Radio Show Notes 10/29/25 Wednesday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Midweek Market Report: Mortgage Rates Hit Lowest Level in a Year as 21-Day Challenge Gains Momentum
The Real Estate Show – Wednesday Midweek Mortgage & Market Report
Theme: The 21-Day Challenge – Shift Your Income, Scale Your Mindset, and Learn How To Stop Trading Time for Money
Date: Wednesday, October 29, 2025 | Week 44 – Day 302
“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 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.”
Setting the Stage: Everyone Is in Real Estate
“This is the Wednesday Midweek Mortgage & Market Report Edition of The Real Estate Show, and today we continue our theme for the week:
The 21-Day Challenge — In 21 Days Shift Your Income, Scale Your Mindset, and Learn How to Stop Trading Time for Money.
You’ve heard me say it before — and I’ll say it again: Everyone is in real estate.
Either you own it, or you’re on it.
If you’re IN real estate, it’s because you’ve made the move — you searched, negotiated, and closed on it. You’re enjoying the pride of ownership, the tax advantages, and the wealth-building benefits that come with owning real property.
But if you’re ON real estate, that means you’re paying those who own it — directly through rent, or indirectly through your employer’s rent on the space you work in.
And the truth is — that’s the biggest financial fork in the road.Because for homeowners, paying off your mortgage means financial freedom. It means you can retire on less, live with more peace of mind, and have an asset that appreciates over time.
For renters, that same freedom requires building a massive nest egg just to keep pace with rising rent — a never-ending treadmill.”
Theme Spotlight: The 21-Day Challenge
“So today, we’re going to tie our Midweek Market Report to our theme —
The 21-Day Challenge: How to Shift Your Income, Scale Your Mindset, and Stop Trading Time for Money.
Because the data I’m about to share with you proves it —When you have clarity and a plan, you overcome fear.When you act with purpose, you win in real estate.
So let me kick things off with three ‘Did You Know’ questions to get your wheels turning…”
Three “Did You Know?” Market Questions
1?? Did you know that mortgage rates have now fallen for five straight weeks — hitting their lowest point in more than a year, sitting today at just 6.18% for a 30-year fixed loan?
2?? Did you know that refinance activity is up 111% year-over-year — as more homeowners lock in lower rates, freeing up thousands in cash flow?
3?? Did you know that investors now account for one out of every three home purchases in America — the highest level in five years?
These aren’t random numbers — they’re powerful signals that real estate is stabilizing while opportunities are opening up.
Today’s show is about understanding what that means for YOU — and how the 21-Day Challenge can help you use these shifts to your advantage.”
Before We Dive In – This Week’s Free Workshops
“Before we get into the meat of the show, let me remind you of this week’s special FREE workshops designed to help you implement what we teach here on the show.”
1?? 1st and 3rd Tuesdays – 8 PM: Path to Home Ownership Introduction – Online by Invitation.Text PATH to 561-861-2366.
2?? Every Wednesday Night – 8:30 PM: Financial Edge Academy 101 Overview – Online by Invitation.Text EDGE to 561-861-2366.
“Do finances challenge you? Most people say YES!That’s why we built The Financial Edge — the education and the team that moves the needle.
We believe in a 3-pronged approach:1?? Everyone should buy a home — be a homeowner. Everyone should have that home in financial order, with a written plan.3?? Everyone should own a business that pays them and gives them tax benefits.”
“We can be your Financial Team — text EDGE to 561-861-2366.”
Market Update: Mortgage & Rate Trends
“Let’s talk numbers — because the data tells the story.”
According to BankRate.com, here’s the latest on the national mortgage landscape:
“Today’s national 30-year fixed mortgage rate is 6.18%, down 4 basis points from last week.The 15-year fixed sits at 5.55%, and the 10-year fixed is averaging 5.49%.
Top offers are now 0.72% lower than the national average, saving borrowers roughly $1,883 annually on a $340,000 loan.”
That’s five weeks of steady, small declines — and more importantly, stability.
The 10-year Treasury yield — the benchmark for mortgage rates — has bounced above 4% again, but economists are predicting another Fed rate cut by the end of the month.
That could mean lower borrowing costs, and better opportunities for both homeowners and investors.
The Opportunity Window
“Here’s the bottom line:
Whether you need a mortgage now or plan to in the next year, this is the time to prepare.
Get your PQ — Pre-Qualification — and see where you stand.
Because in this rate environment, the informed buyer wins.
And by the way, we’ve got inside access to two new mortgage products that are about to hit the market — including one with down payment assistance and a soft credit pull.
Want to learn more? Just text LOAN to 561-861-2366 — and our team will connect you with details before they’re public.”
Article Spotlight #1: Mortgage Rates Drop to Lowest Level in a Year
Headline: “Mortgage rates drop to the lowest level in over a year, pushing refinancing 111% higher annually.”
Key Points:
Eric Willner:“This is what I’ve been saying for weeks — when rates come down, the smart money moves fast.
Mortgage application volume jumped 7.1% last week. Homeowners are refinancing, buyers are returning, and investors are reloading.
Joel Kan from the Mortgage Bankers Association noted, ‘This recent decline in rates spurred the second consecutive week of increased refinance activity, driven mainly by conventional refinances.’
And with the average loan size of nearly $400,000, borrowers are saving thousands a year by locking in now.
Now, here’s where it ties directly into our 21-Day Challenge — it’s all about mindset and motion.
Most people hesitate. They wait for ‘perfect timing.’But the winners in real estate are the ones who act when everyone else is waiting.
That’s what the 21-Day Challenge teaches — disciplined, daily action.Because even one move — like locking a lower rate — can shift your entire financial future.”
MID-SHOW COMMERCIAL BREAK
“You’re listening to The Real Estate Show — South Florida’s #1 Real Estate Radio Show and America’s longest-running daily show about real estate.
Today’s show is brought to you by TimeToFixMyCredit.com — helping you turn your credit into capital and your dreams into ownership.
Text CREDIT to 561-861-2366 to get started today.”
[Short music bed transition – upbeat instrumental]
Article Spotlight #2: Investors Are Back in the Game
Headline: “Investors are making up the highest share of homebuyers in 5 years.”
Eric Willner:“Now, this one is fascinating — because it reveals the heartbeat of the market.
When investors increase their share, it means confidence is back.
Yes, overall sales are down — but the smart money sees opportunity.That’s why I always tell listeners: follow what investors do, not what they say.
According to CJ Patrick Co., small investors — folks with under 10 properties — make up 90% of all investor-owned homes.
And they’re the ones buying right now.
Meanwhile, big institutional players are selling and shifting into build-to-rent communities.
Why does that matter? Because it means less competition for individual buyers and small investors.
Rick Sharga, CEO of CJ Patrick Co., summed it up perfectly:
‘This shift means less competition for small investors and traditional homebuyers, while also adding more rental supply, which is needed in today’s market.’
That’s great news if you’ve been waiting for your entry point.Inventory is improving, rates are easing, and you can position yourself to win if you take action now.
That’s what our 21-Day Challenge is all about — small actions that compound into real results.”
Market Takeaway: Stability Is Opportunity
“So what’s the takeaway from today’s report?
Rates are down. Investor activity is up. And the economy — while mixed — is providing breathing room for those who plan smart.
This is the time to review your credit, tighten your plan, and prepare for the next buying window.
And remember — financial freedom isn’t just about owning real estate. It’s about owning your time.
That’s what happens when you stop trading time for money and start letting your money — and your properties — work for you.”
Mid-Show Call to Action #2
“Don’t do this alone — we can help.
Text EDGE to 561-861-2366 to join tonight’s Financial Edge Academy Live Workshop.We’ll break down today’s mortgage data, walk you through credit strategies, and show you how to make this market work for you.”
Recap and Closing Thoughts
Let’s wrap today’s Midweek Mortgage & Market Report with a quick recap:
Mortgage rates are down to 6.18% — the lowest in over a year. Refinances are up 111%, proving buyers are getting proactive. Investors now account for 33% of home sales, showing strong confidence. Market stability = opportunity for first-time buyers and small investors. The key? Have a plan — and act on it.
“Whether you’re refinancing, buying, or just getting started — The Real Estate Show is here to help you win.
Don’t just listen. Use this information.Because this show isn’t about entertainment — it’s about transformation.”
Closing Segment
“Thank you for tuning in to The Real Estate Show – The Wednesday Midweek Mortgage & Market Report Edition.
I’m Eric Willner, The Voice of Real Estate, reminding you that real estate remains the IDEAL Investment:
I – IncomeD – DepreciationE – EquityA – AppreciationL – Leverage
Join us again tomorrow for The ATM Edition – About The Money, where we’ll show you how to use these strategies to build your wealth faster and smarter.
And remember — share this show with someone who should own real estate.Because when you own real estate, you own your future.”
“Catch replays, transcripts, and resources anytime at AutomaticLandlord.com.And text EDGE to 561-861-2366 to join our next Financial Edge Workshop.”
Radio Show Notes 10/28/25 Tuesday:Read a summary of the show below orListen HereWatch Live Facebook Video Here
How to Stop Trading Time for Money – The 21 Day Challenge That Transforms Wealth
The Real Estate Show – Tuesday Tools, Tips, & Techniques Edition
Theme: The 21-Day Challenge — Shift Your Income, Scale Your Mindset, and Stop Trading Time for Money
(Broadcast Date: Tuesday, October 28, 2025 – Week 44, Day 301)
Intro Segment
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.”
Setting the Frame: The 21-Day Challenge
Today’s theme continues our weeklong focus on:
“The 21-Day Challenge: Shift Your Income, Scale Your Mindset, and Stop Trading Time for Money.”
But before we dive into today’s tools and techniques, let me ask you three quick questions — three “Did You Knows” that may surprise you…
1?? Did you know that more than 64% of Americans say they’re living paycheck to paycheck — even as the average credit card balance hits a record high of over $7,000 per household?
2?? Did you know that nearly half of all Americans don’t have enough saved to cover a $1,000 emergency — yet spend hundreds each month on avoidable interest, fees, and taxes?
3?? Did you know that less than 20% of Americans own any income-producing assets — but nearly everyone could if they had a written plan and a 21-day mindset shift?
“These are just a few of the alarming statistics about the current market. And it’s important to understand these challenges, not to scare you — but so you can plan accordingly.”
Because here’s the truth…Everyone is in real estate.
Either you own real estate — because you bought it, searched it, negotiated it, closed on it, and now enjoy the benefits, tax advantages, and pride of ownership —
Or, you’re on real estate — paying rent to someone who does.
If you don’t own, you’re building someone else’s equity.
The Mission: Shift, Scale, and Stop Trading Time for Money
Here’s what today’s show is about — the actions that lead to success or failure, and how to get a better understanding of our theme:
The 21-Day Challenge — Shift Your Income, Scale Your Mindset, and Stop Trading Time for Money.
Our mission, as always, is to transform lives through affordable housing.To empower, educate, and enable families and individuals to enjoy the American Dream of homeownership.
The 3 Types of Income
To do that, we must understand the three types of income:
1?? Direct or Active Income – You work, you earn. The moment you stop, so does the income.2?? Indirect or Semi-Active Income – You manage, you leverage, and you earn part-time income that doesn’t require full-time hours.3?? Passive or Residual Income – Money that flows in whether you’re working or not.
We all start with active income — but the goal is to build enough passive income to do what you truly love.
And that’s what this 21-Day Challenge is about.
Today’s Tools & Techniques: Turning the 21-Day Challenge into Action
Yesterday, I gave you 10 reasons why you should take the 21-Day Challenge.Today, we turn those reasons into 9 actionable steps — the tools, tips, and techniques that turn theory into transformation.
1. Audit Your Finances
The first step to shifting your income is awareness. Write down what comes in, what goes out, and where it’s wasted. You can’t fix what you don’t measure. A simple spreadsheet or budgeting app will expose opportunities to redirect wasted dollars toward wealth.
2. Fix and Leverage Your Credit
Credit isn’t just a score — it’s a tool. A strong credit profile can unlock better mortgage rates, business funding, and cash-flow opportunities. Visit TimeToFixMyCredit.com or text “CREDIT” to 561-861-2366 to get started.
3. Write a Personal Financial Statement
List all your assets, liabilities, income, and expenses. This document is your financial GPS. It shows where you are now — and helps you chart your course toward financial independence.
4. Create a Written Investment Plan
Don’t let your goals live only in your head. Write down your real estate plan — property type, price range, financing strategy, and time frame. That written plan turns hope into strategy.
5. Automate Your Savings
Pay yourself first. Automate transfers from checking to savings, then from savings into your investment fund. Small, consistent deposits become your down payment sooner than you think.
6. Find a Mentor or Partner
Don’t go it alone. Success leaves clues — and mentors help you avoid expensive mistakes. That’s what The Real Estate Show and Financial Edge Academy are all about.
7. Build or Join a Business Entity
Real estate investing is best done as a business, not a hobby. Set up an LLC, S-corp, or partnership for tax efficiency and asset protection. This is where you move from employee to entrepreneur.
8. Leverage Your Home as an Asset
If you already own, your home is more than shelter — it’s an opportunity. Consider renting a room, leveraging equity for an investment property, or using home-based deductions.
9. Invest for Cash Flow, Not Speculation
Forget flipping trends or market timing. Focus on cash-flowing assets that pay you every month — because when your real estate pays you, you’ve achieved true financial leverage.
Quarter-Point Break (Sponsor Spot)
Today’s Show is Brought to You By: TimeToFixMyCredit.com.Text “Credit” to 561-861-2366 and let our team show you how to turn your credit into capital!
Resources for Renters, Buyers, and Investors
There are resources out there — but only if you know where to look.
That’s why we host our free Tuesday workshops — to teach renters how to become buyers, buyers how to become investors, and investors how to become business owners.
Join our Path to Home Ownership Workshop tonight at 8 PM — just text “PATH” to 561-861-2366.
Tools for Achieving Your Real Estate Goals
Let’s break down a few of the most powerful tools available to you as we move into a new financial year.
1?? Expert Coaching – Real estate isn’t a guessing game. Work with experienced professionals who’ve done what you’re trying to do.
2?? Path to Home Ownership Workshops – These free online sessions walk you through financing, credit, and investment options.
3?? Financial Calculators – Use them to determine affordability, mortgage payments, and ROI. When you know your numbers, fear disappears.
4?? A Written Financial Plan – It’s your blueprint. The earlier you start, the stronger you finish.
Your retirement future begins now.
And I’ll say what I always tell my listeners:
“If not now, when?If not this, what?If not you, who?”
Mid-Show Reset
Today’s Show is Brought to You By: TimeToFixMyCredit.comText “Credit” to 561-861-2366.
This is The Real Estate Show, where every episode is a mini-seminar on how to own real estate profitably and hassle-free.
The 72-Hour Challenge: Turn Expenses into Income
Now, if you liked the 21-Day Challenge, here’s a bonus:
The 72-Hour Challenge — The Fast Track to Turning Your Expenses into Income.
Here’s how it works:You let our expense reduction experts review your bills — and if they can’t save you money, you don’t pay a dime.But most of our listeners are saving $400, $800, even $1,500 per month — money they already had but were wasting!
Take the 72-Hour Challenge — text “72” to 561-861-2366 right now.
You’ll get expert help on:
All while keeping more of what you earn — and redirecting it toward wealth.
Three-Quarter Break (Sponsor Spot)
Today’s Show is Brought to You By: TimeToFixMyCredit.comText “Credit” to 561-861-2366 to begin your journey from debt to financial freedom.
Show Summary – Key Takeaways
Let’s wrap today’s show with a quick recap:
1. Everyone is IN real estate. You either own it or pay for someone who does. 2. Real estate is the IDEAL investment — providing Income, Depreciation, Equity, Appreciation, and Leverage. 3. The 21-Day Challenge helps you shift your mindset, increase your income, and stop trading time for money. 4. The 72-Hour Challenge helps you cut expenses and turn them into cash flow. **5. Take action now. Text “PATH” to 561-861-2366 and join tonight’s free Path to Home Ownership workshop.
That’s all for today’s Tuesday Tools, Tips, and Techniques Edition of The Real Estate Show.
Tomorrow, don’t miss our Wednesday Midweek Mortgage & Market Report — your best source for up-to-date housing and mortgage trends.
Thank you for tuning in. And remember — don’t just listen, use this show to get started in real estate investing.
Tune in every weekday for your daily dose of education, motivation, and financial transformation.
Visit us online at www.AutomaticLandlord.com for show transcripts, past episodes, and more.
And watch us live — or on-demand — at Facebook.com/TheRealEstateShow.Likes keep us going, but shares keep us growing!
I’m Eric Willner, The Voice of Real Estate, reminding you:
It’s a stone-cold fact that real estate is the best investment. Period. It’s the IDEAL Investment.
See you tomorrow for our Midweek Mortgage & Market Report!
Radio Show Notes 10/27/25 Monday:Read a summary of the show below orListen HereWatch Live Facebook Video Here