Radio Show Notes 01/28/26 Wednesday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Midweek Market Report: Insider Information You’re Allowed to Use in Today’s Housing Market
By Eric Willner, Investor, Coach, and Host of The Real Estate Show, America’s longest running daily radio show about real estate.
Insider Information You’re Allowed to Use: How Real Estate Really Works
Hosted by Eric Willner – The Voice of 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, 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.
And today is the Wednesday Midweek Mortgage & Market Report Edition of The Real Estate Show — the day we cut through headlines, fear, and noise, and talk about what is actually happening right now in real estate, mortgages, and money.
This is also where we continue the conversation we launched on Monday around this powerful theme:
Everyone Is IN Real Estate
Let’s reset the frame before we dive into numbers.
Everyone is IN real estate.
You are either IN real estate because you OWN it —You searched it.Negotiated it.Closed on it.You have pride of ownership, tax benefits, long-term appreciation, and control.
Or you are ON real estate —Paying rent directly,Or indirectly, by working for an employer who pays rent to someone else.
Either way…You are supporting someone’s real estate.
The question is whose.
The Bottom Line: Owners vs. Renters
Here’s a truth that doesn’t get talked about enough.
For a homeowner who pays off their mortgage, financial freedom often means living on a dramatically reduced budget in retirement. Housing costs drop. Predictability increases. Life becomes more manageable.
For a renter, financial freedom requires building a much larger investment portfolio — just to keep up with perpetual, ever-increasing rent payments.
That difference alone explains why ownership changes everything.
Insider Information You’re Allowed to Use
Today’s show is about Insider Information You’re Allowed to Use: How Real Estate Really Works — and why understanding this is critical to building a real plan for success.
Let me ask you three current, market-driven “Did You Know?” questions:
Did you know that even with mortgage rates hovering in the low-to-mid 6% range, investors continue buying because cash flow and tax strategy matter more than short-term rate fluctuations?
Did you know that the majority of wealth built through real estate comes not from appreciation alone, but from amortization, depreciation, and inflation working in your favor?
Did you know that periods of rate stability — not rate drops — are historically some of the best windows to buy, because sellers adjust faster than buyers?
That’s insider information — not illegal, not hidden — just rarely explained.
Why Today’s Show Matters
Today’s show is about how real estate really works and why understanding the mechanics — not the emotion — leads to better decisions.
Before we get into the meat of the show, let me remind you about this week’s FREE workshops:
Do finances challenge you?Most people say YES.
That’s why we created The Financial Edge — education and knowledge that moves the needle.
We are your Financial Team.
Join us every Wednesday night at 8:30pm Eastern by texting EDGE to 561-861-2366.
We believe in a 3-pronged approach:
And at 8:30pm every Wednesday, we host the Financial Edge Academy 101 Overview — online by invitation.
Text EDGE to 561-861-2366Education changes outcomes.Awareness creates opportunity.
COMMERCIAL BREAK – HALFWAY POINT
Today’s Show is Brought to You By: TimeToFixMyCredit.comBecause better credit changes everything.
Back to the Market: Mortgage Rates & Trends
Here are the top trending topics for today’s update, anchored by data from Bankrate.com.
Mortgage Rate Snapshot (Rewritten in My Voice)
As of Wednesday, January 28, 2026, the national average 30-year fixed mortgage rate sits at 6.17%, up a modest 3 basis points.
Refinance rates average 6.55%, up 5 basis points.
Translation?Another flat week, and flat weeks equal stability.
Since mortgage rates hit a 2025 low around 6.25% last October, they’ve moved sideways — not exploding, not collapsing.
That matters.
Why? Because markets transact in certainty, not chaos.
What’s Influencing Rates Right Now
Earlier this month, President Donald Trump announced that he directed Fannie Mae and Freddie Mac to purchase $200 billion in mortgage-backed securities.
That move briefly pushed mortgage rates down to 6.18%, the lowest since August 2022.
But here’s the insider reality:Markets react fast — and then normalize.
As excitement faded, rates drifted back toward 6.25%.
Fannie and Freddie back roughly two-thirds of U.S. mortgages. When they buy mortgage bonds, liquidity increases, which supports lending.
This system — not headlines — is why nearly two-thirds of Americans own homes.
Still, skepticism remains.
As Nicole Rueth of Movement Mortgage said:
“While the $200 billion buy helped narrow spreads and temporarily anchor rates, geopolitical pressure is now pulling them higher.”
In plain English:Rates are in a tight range, drifting slightly upward.
And now, all eyes are on the Federal Reserve, expected to keep rates unchanged — but markets will react to commentary.
The Insider Advantage: Shopping Rates
For the week of January 25th, top offers on Bankrate are 0.57% lower than the national average.
On a $340,000 loan, that’s $1,495 per year in savings.
That leads to a critical insider question:
When would NOW be a great time to consult your mortgage professional?
Answer: Before you need the loan.
Text LOAN to 561-861-2366.
Top offers currently show:
And tomorrow on the ATM – About The Money Edition, we’ll show you how some borrowers are getting rates in the 4s and investor loans in the 5s.
Preparing Early Is Insider Strategy
Whether you need a mortgage now or in the next year or two, it’s crucial to prepare early and get pre-qualified.
We also have inside information on:
More on that soon.
Big News: Mortgage Demand Drops
Let’s look at our first major article.
Rewritten Headline:
Mortgage demand cools as rates edge higher — insiders stay focused
Key Points (Reworded):
Now here’s why this matters.
Mortgage demand dropped 8.5% week-over-week, but refinance demand is still 156% higher than last year.
Why?Because last year, rates were nearly 80 basis points higher.
And as Joel Kan from the MBA noted:
“FHA refinance activity bucked the trend.”
Translation: Smart borrowers adapt.
This directly supports today’s theme — insiders don’t react emotionally to weekly rate changes. They position strategically.
Next Article: Buyers Backing Out
Homebuyers are backing out — and that’s good news for prepared buyers
Here’s what the data says:
That means leverage has shifted.
As Redfin’s Chen Zhao said:
“Homebuyers are more selective… sellers outnumber buyers by a record margin.”
Insider translation:Prepared buyers have options.
And when fear rises, opportunity expands.
Why This Is the Reason to Own Now
This environment rewards:
It punishes:
That’s how real estate really works.
To improve your finances:
Text EDGE to 561-861-2366Join our community. Learn the rules. Use insider information legally.
Closing
Thank you for listening — but don’t just listen.
Use this show to get started in real estate investing.
Tune in every weekday to The Real Estate Show —a literal seminar in every episode.
“If you think interest rates are the whole story… tomorrow’s show will change how you look at money.”
Tomorrow on The Real Estate Show, it’s the ATM Edition — About The Money.
We’re going beyond headlines and digging into what really matters:
If you’ve ever asked:
Tomorrow’s show is required listening.
Because real estate isn’t about timing the market —It’s about understanding how the money really works.
ATM – About The MoneyTomorrow. Same place. Same time.Right here on The Real Estate Show.
And if you want to get ahead of the curve, text EDGE to 561-861-2366.
Also - share this show with someone who should own real estate.
Visit AutomaticLandlord.com for more.
We’ll see you tomorrow.
Radio Show Notes 01/27/26 Tuesday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Real Estate is the I.D.E.A.L Investment!
Learn more about Real Estate Investing and learn HOW by listening to America's Longest Running Daily Real Estate Radio Show "The Real Estate Show with Eric Willner", Live every weekday evening at 9 o'clock (EST) on Florida's Money Talk Radio Network WWNN 1470AM, 95.3FM, FM 96.9, and FM 103.9. Then contact us at 888-595-7779 to see how we can help you with your real estate goals. You can also hear us on the free apps: iHeart Radio and TuneIn and the WWNN AM1470 app. If you miss the live show, Recorded Rebroadcasts are available 24/7 on Facebook.
Also listen to the rebroadcasts on demand on Facebook.com/TheRealEstateShow
Then check out these EXTRA cool resources:
TimeToFixMyCredit.com for Financial Education and Credit Improvement
AutomaticLandlord.com for Landlording and Real Estate Investment
MackBuysHouses.com for a fast cash offer on Real Estate
MackSellsHouses.com for great deals on Real Estate Investments
MackBargainHouseHunters.com to Partner on Real Estate Deals
Eric Willner is the Host and Founder of The Real Estate Show, an informative show about how to buy, own, and improve real estate the right way. You can reach Eric Willner at eric@therealestateshow.com or 888-595-7779.
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Radio Show Notes 01/26/26 Monday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Legal Insider Trading: Why Real Estate Is Predictable, Profitable, and Not a Gamble
By Eric Willner, Investor and Host of The Real Estate Show, America’s longest running daily radio show about real estate.
Monday On A Mission
The Real Estate Show – Hosted by Eric Willner
OPENING – SETTING THE FRAME
“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.
If you’re new here, let me set the frame.This is not a hype show.This is not a get-rich-quick show.This is a thinking person’s show about money, real estate, and financial independence.
Today is the Monday On A Mission Edition of The Real Estate Show — the day we reset the mindset, set the direction for the week, and challenge you to think differently about money, debt, and opportunity.
And this week’s theme is bold, true, and maybe a little uncomfortable for some people:
“Insider Information You’re Allowed to Use: How Real Estate Really Works.”
DID YOU KNOW? – WAKE-UP CALL
Let me start with three Did You Know? questions — and I want you to really think about these, because they’re not just trivia… they’re wake-up calls.
Did you know that in real estate, knowing more about a neighborhood, a zoning change, a tax rule, or a financing incentive is not illegal — it’s expected?
Did you know that while Wall Street insider trading lands people in prison, real estate insiders are literally rewarded for knowing rents, seller motivation, depreciation rules, and local market trends?
Did you know that the biggest financial problem facing Americans today isn’t income — it’s debt, lack of strategy, and not knowing how money really works?
These questions aren’t just interesting — they’re invitations.They open the door to deeper conversations about debt management, financial planning, and how to break free from financial stress.
This is about setting yourself up for success, not by gambling — but by learning how the game is actually played.
REINTRO + AUTHORITY RESET
Now let me officially welcome you again.
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.
It’s a virtual real estate seminar in every episode.
And since January 1st, we hit the RESTART button.
I shared the things I would do if I were starting — or starting over — in real estate investing.
Here are the first foundational steps we’ve covered:
And now we add the next critical layer:
WHY THIS MATTERS RIGHT NOW (Minute 7–10)
Today’s show is about why you must understand how real estate really works — not how it’s marketed, not how it’s sensationalized, but how it actually functions in the real world.
This week, we’ll talk about:
And understanding how this works is not optional if you want real financial success.
Before we go deeper, let me remind you of this week’s FREE workshops:
You should attend these because real estate requires skill, strategy, adaptability, and determination. It’s not passive. It’s powerful — when done correctly.
And remember this truth:
Everyone is in real estate.
You’re either IN real estate because you own it…Or you’re ON real estate, paying rent directly — or indirectly — for someone else’s benefit.
Let me pause right here and say this clearly:
You can turn debt into wealth in real estate.You can change your financial picture.
Start by texting the word CREDIT to 561-861-2366.
HARD STATION BREAK – MIDSHOW IDENTIFICATION
(10-minute mark – full stop)
SECOND HALF – THE MEAT OF THE SHOW
Welcome back to The Real Estate Show.This is the Monday On A Mission Edition, and today’s theme is:
Insider Information You’re Allowed to Use: How Real Estate Really Works.
Let’s talk about why this matters — and how insiders think differently.
10 REASONS INSIDERS WIN
Here are 10 reasons you must understand how real estate really works:
This is legal insider information — available to anyone willing to learn.
THE 4 MAJOR ROADBLOCKS (Minute 15–18)
Let’s address the four biggest obstacles to financial independence — and how insider knowledge helps you overcome them.
Roadblock #1: Government & TaxesMost people fear taxes. Insiders plan around them. Real estate allows depreciation, deductions, and strategic planning that reduces taxable income legally.
Roadblock #2: Interest & Finance ChargesInterest destroys consumers — but builds wealth for owners. Insiders borrow long-term, fixed money and let tenants pay it back.
Roadblock #3: Uncontrolled Monthly BillsRent, utilities, debt payments — these crush cash flow. Real estate converts expenses into income streams.
Roadblock #4: Inflation — the Silent KillerInflation erodes savings. Real estate adjusts with it. Rents rise. Debt stays fixed. Equity grows.
Address these four — and you win.
Let me remind you again:
You can turn debt into wealth in real estate.Change your financial picture.
Text CREDIT to 561-861-2366 and take the first step.
Today’s show was about awareness — seeing what insiders see, using information you’re allowed to use, and understanding how real estate really works.
This isn’t about shortcuts.It’s about clarity, strategy, and execution.
Tomorrow is our Tuesday Tools, Tips & Techniques Edition — and you will not want to miss the practical resources that turn today’s mindset into action.
Thank you for listening — but don’t just listen.Use this show to get started in real estate investing, change your life, and build your future.
Tune in every weekday to The Real Estate Show — a literal seminar in every episode.
And don’t forget — attend our free online workshops.Text EDGE to 561-861-2366.
Radio Show Notes 01/23/26 Friday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Radio Show Notes 01/22/26 Thursday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Radio Show Notes 01/20/26 Tuesday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Radio Show Notes 01/19/26 Monday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Monday On A Mission: Secrets, Myths, and Realities of Achieving Financial Independence
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.
Today is Martin Luther King Jr. Day, a national holiday. Dr. King is remembered for his courage, his leadership, and one of the most powerful phrases ever spoken in American history: “I have a dream.”
Today, I want to say this clearly and deliberately:
I have a mission.
And that mission is about financial independence, economic empowerment, and freedom through ownership.
Because equality without economic freedom is incomplete.Hope without a plan is fragile.And dreams without execution stay dreams.
This is the Monday On A Mission Edition of The Real Estate Show, and today we begin a powerful new conversation built around our theme:
Secrets, Myths, and Realities of Achieving Financial Independence
DID YOU KNOW?
Before we go any further, let me hit you with three Did You Know? questions — and these are meant to wake you up, stretch your thinking, and challenge what you’ve been told.
Did you know that over 60% of Americans live paycheck to paycheck, not because they don’t earn enough, but because they were never taught how money actually works?
Did you know that the average American will pay hundreds of thousands of dollars in interest over their lifetime — and most never learn how to reverse that flow so interest works for them instead of against them?
Did you know that most people believe financial independence requires extreme income, when in reality it requires strategy, leverage, and ownership?
These “Did You Know?” questions are a wake-up call. They’re meant to inspire you to think outside the box, while highlighting the very real challenges Americans face with debt, rising costs, and financial stress. And they open the door to deeper conversations about debt management, financial planning, and solutions that help people break free.
This is about setting yourself up for success and taking the right steps toward financial independence.
Now let me reset the frame.
Welcome to The Real Estate Show, hosted by me, Eric Willner — 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.
On January 1st, we hit the RESTART button. I shared the things I would do if I were starting over — or starting fresh — in real estate and investing.
We began with:
And now we move into today’s focus:
FIRST HALF – THE BREAK
Today is the Monday On A Mission Edition of The Real Estate Show. This is where we talk about why NOW is the time to buy real estate, and why understanding the truth about money is essential to your success.
This week, we’re going to discuss:
And why knowing how all of this works is not optional if you want real financial success.
But before we go deeper, let me remind you about this week’s FREE workshops:
You want to attend these because real estate is not accidental. It requires skill, strategy, adaptability, and determination.
You are either IN real estate because you own it — you searched it, negotiated it, closed on it, and benefit from ownership…
Or you are ON real estate — paying rent directly, or indirectly through your employer’s rent.
The road to financial victory isn’t straight — but it is exhilarating when you know where you’re going.
SOFT BREAK – MIDWAY CALL TO ACTION
Let me pause right here.
You can turn debt into wealth in real estate.Change your financial picture.Start by texting the word CREDIT to 561-861-2366.
TEN REASONS WHY THIS MATTERS
There are many reasons why you must understand the Secrets, Myths, and Realities of Achieving Financial Independence. Here are the top ten:
Each of these myths keeps people stuck. Each reality moves you forward.
You can turn debt into wealth in real estate.Change your financial picture.Text CREDIT to 561-861-2366.
TODAY’S TAKEAWAY
Today was about truth.Truth about money.Truth about freedom.Truth about ownership.
Financial independence isn’t magic. It’s learned. It’s designed. And it starts with understanding the secrets, myths, and realities that most people are never taught.
CLOSING
Tomorrow is our Tuesday Tools, Tips, and Techniques Edition of The Real Estate Show. You won’t want to miss the actionable resources and insights designed to help you profit and succeed.
Thank you for listening today. But don’t just listen — use this show. Use it to get started in real estate investing. Use it to change your life.
Tune in every weekday — a literal seminar in every episode of The Real Estate Show.
And don’t forget to attend our free online workshops. Text EDGE to 561-861-2366.
Dr. King said, “I have a dream.”Today, I say: I have a mission — and it includes you.
Radio Show Notes 01/14/26 Wednesday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Midweek Market Report: Mortgage Rates Stabilize: Why Decisive Buyers Win Right Now
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, and today you are tuned in to the Wednesday Midweek Mortgage & Market Report Edition of The Real Estate Show.
This is where we zoom out, check the pulse of the market, and then zoom back in to answer the most important question of all: What should you do next?Because as we laid out on Monday—For Fearless Foundations: The Decision Comes First.
Everyone Is IN Real Estate—Whether You Like It or Not
Everyone is in real estate. Period.
You are either IN real estate because you own it. You searched it, negotiated it, closed on it—and now you enjoy the pride of ownership, tax benefits, long-term appreciation, and the leverage that real estate provides.
Or you are ON real estate—paying rent directly, or indirectly, by working for an employer who pays the rent on your workplace. Either way, your money is supporting someone else who is IN real estate.
Here’s the bottom line—and this is critical:
For a homeowner who pays off their mortgage, financial freedom means living on a dramatically reduced budget, making retirement not just possible but probable.For a renter, financial freedom requires building a much larger nest egg just to generate enough cash flow to keep up with a perpetual, ever-increasing rent payment.
That’s not opinion. That’s math.
The Theme: For Fearless Foundations, the Decision Comes First
This is why today’s show matters.
For Fearless Foundations: The Decision Comes First isn’t a slogan—it’s a strategy.Real estate rewards clarity, commitment, and long-term thinking. Indecision is expensive. Waiting has a cost. And hesitation quietly compounds against you.
Three Market-Driven “Did You Know?” Questions
Did you know that despite elevated rates, homeownership continues to outperform most other long-term investments because of leverage, tax advantages, and inflation protection?
Did you know that periods of rate stability—not rate crashes—have historically produced the strongest buying opportunities for disciplined buyers?
Did you know that most successful homeowners didn’t buy at the “perfect” time—they bought when they decided to understand how the system works?
Today’s show is about For Fearless Foundations: The Decision Comes First—and why knowing how that works is essential to a real estate plan that actually leads to success.
Before the Meat of the Show—Free Workshops You Need to Know About
Before we go further, let me remind you of this week’s FREE workshops:
1st and 3rd Tuesdays at 8:00 PM – Path to Home Ownership IntroductionOnline by invitation. Text PATH to 561-861-2366
Do finances challenge you? Most people say YES.
That’s why we created The Financial Edge—the education and knowledge that actually moves the needle. We are your Financial Team.
Join us every Wednesday night at 8:30 PM Eastern by texting EDGE to 561-861-2366.
And every Wednesday at 8:30 PM, we host the Financial Edge Academy “101 Overview”. Text EDGE to 561-861-2366.
Today’s Trending Mortgage & Market Update
Here are the top trending topics driving today’s update—sourced from Bankrate and major national outlets:
“Today’s national 30-year mortgage interest rate trends”
As of Wednesday, January 14, 2026, the average 30-year fixed mortgage rate is 6.14%.The average 30-year refinance rate is around 6.50%.
Here’s the key takeaway—another flat week equals stability.
Since rates hit a 2025 low near 6.25% in late October, they’ve moved very little. That’s not bad news—that’s a decision window.
The Policy Shock That Moved Rates—Briefly
Last week, Donald Trump announced on social media that he directed Fannie Mae and Freddie Mac to purchase $200 billion in mortgage-backed securities.
Mortgage rates, already near a 15-month low, briefly dipped below 6%.
Why does that matter?
Because Fannie and Freddie back roughly two-thirds of U.S. home loans. When government-sponsored buyers increase demand for mortgage bonds, rates can compress.
As Ken Johnson, a finance professor at the University of Mississippi, put it:
“The goal here is to shrink the spread between the 10-year Treasury yield and the 30-year mortgage rate.”
That spread widened during inflation. Any compression helps borrowers—but experts caution it may not be permanent.
Inflation remains above the Fed’s 2% target at 2.7%, while unemployment has ticked up to 4.6%. Conflicting signals. Translation? Uncertainty favors preparation—not procrastination.
As Samir Dedhia, CEO of One Real Mortgage, reminds us:
“Mortgage rates don’t follow Fed cuts directly. They respond to broader expectations around inflation, employment, and long-term economic strength.”
What This Means for You—In Real Dollars
For the week of January 11th, top offers on Bankrate were 0.67% lower than the national average.On a $340,000 loan, that’s roughly $1,736 per year in savings.
Top rate seen: 5.63%National average: 6.14% (30-year fixed)15-year: 5.53%10-year: 5.40%ARMs? Not popular right now.
When would NOW be a great time to consult your mortgage professional? Text LOAN to 561-861-2366.
And tune in tomorrow for the ATM Edition – About The Money, where we’ll explain how some buyers are getting rates in the 4s and investor loans in the 5s.
MID-SHOW COMMERCIAL BREAK
Text the word EDGE to 561-861-2366Education changes outcomes. We’ll be right back.
Prepare Early—Because Opportunity Favors the Ready
Whether you need a mortgage now or in the next year or two, it’s critical to prepare early. Get pre-qualified. Know where you stand.
That’s why you stay connected to this show.
What We’ve Been Watching the Last Few Weeks
We’ve covered headlines like:
This week, here are the top real estate and homebuying trends people are searching:
Big News Article #1: Refinance Demand Surges
My headline: Mortgage Refinance Demand Explodes as Rates Tease Sub-6%
Key points, in plain English:
According to the Mortgage Bankers Association, total mortgage application volume jumped 28.5%.
MBA economist Joel Kan said:
“This was a real move based upon the rate drop. Spreads had been moving in even before the announcement.”
Why does this matter to today’s theme?
Because it proves the point: when people sense opportunity, action follows.Fearless foundations aren’t built when everything is perfect—they’re built when informed buyers decide.
You can check this and more at AutomaticLandlord.com.
Big News Article #2: The Market Is Balancing
The Housing Market Isn’t Crashing—It’s Normalizing
According to a CNBC housing survey:
Agent Ashley Rummage put it best:
“Sentiment has shifted from anxiety to cautious optimism.”
This is huge.
Balanced markets create options. Options create negotiation power. And negotiation power rewards buyers who are prepared.
That’s why this is the moment to own. Not because it’s easy—but because it’s possible.
The Decision Comes First—Always
Let me land this plane.
Markets move. Rates fluctuate. Headlines scream.But real estate rewards one thing consistently: decisive, educated action.
That’s what For Fearless Foundations: The Decision Comes First means.
Final Call to Action
Text EDGE to 561-861-2366Join us tonight. Get educated. Build your financial team.
Thank you for listening—but don’t just listen. Use this show to get started in real estate investing. Tune in every weekday to The Real Estate Show—a literal seminar in every episode.
Join us tomorrow for the ATM Edition – About The Money.And share this show with someone who should own real estate—but hasn’t decided yet.
This is The Real Estate Show.I’m Eric Willner.Make the decision—and build the foundation.
Radio Show Notes 01/13/26 Tuesday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
The Real Estate Advantage: Tools, Strategies, and the Power of Deciding First
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 radio show about real estate and 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, and today is our Tuesday Tools, Tips, and Techniques Edition.
Today’s Theme
For Fearless Foundations: The Decision Comes First
Today we’re talking about real estate—and why real estate is the ideal investment for everyone. Not hype. Not theory. Real, practical reasons—and the tools and techniques you can use right now to move forward.
Three Provocative “Did You Know?” Questions
Let me start with three questions that should stop you in your tracks:
Did you know that housing costs have outpaced wage growth for decades—meaning renters are working harder each year just to stay in the same place financially?
Did you know that households who own real estate have, on average, many times more net worth than those who don’t—regardless of income level?
Did you know that most Americans with high debt aren’t reckless—they’re simply operating without a real financial strategy?
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.
Because these numbers highlight something critical:Homeownership isn’t just about shelter—it’s about stability, control, and opportunity. And when people don’t own, they’re often more exposed to poor credit outcomes, excessive debt burdens, and financial vulnerability.
Everyone Is in Real Estate
Let’s reset the mindset.
You’re either IN real estate because you own it—you searched it, negotiated it, closed on it, and enjoy the pride of ownership and the benefits that come with it.
Or—you’re ON real estate.You pay rent directly, or indirectly, by working for an employer who pays rent on your workplace. Either way, you’re paying someone who is IN real estate.
The question isn’t if real estate affects you.The question is who benefits—you or someone else?
Actions That Lead to Success… or Failure
Today is about understanding the actions that separate progress from stagnation—and how they connect to our theme:
Our mission on this show is simple and serious:To transform lives through affordable housing.To empower, educate, and enable families and individuals to enjoy the American Dream of homeownership.
And that starts with understanding money.
The Three Types of Income
There are three types of income every listener needs to understand:
We all start with active income.But the goal is to build enough passive income so work becomes optional—and life becomes intentional.
Real estate is one of the most proven bridges from active to passive.
Hard Mid-Show Break (Station Identification)
Today’s Show is Brought to You By: TimeToFixMyCredit.comIf credit is slowing you down, speeding it up starts with education. Text “CREDIT” to 561-861-2366.
Turning Reasons Into Action
Yesterday, I shared 10 reasons why For Fearless Foundations, the decision comes first.
Today—this is Tuesday Tools, Tips, and Techniques—we turn that into action.
Here Are 9 Actionable Steps
Step 1: Decide to Get Financially Educated
Education replaces fear. The more you understand credit, financing, and ownership, the less intimidating real estate becomes. Knowledge creates confidence—and confidence creates action.
Step 2: Know Your Credit—and Actively Improve It
Credit isn’t a score—it’s a system. Once you understand how it works, you can improve it. Better credit means better rates, lower payments, and more options.
Step 3: Create a Personal Financial Statement
If you don’t know what you own, owe, earn, and spend—you’re guessing. A financial statement turns guessing into strategy.
Step 4: Set Clear Real Estate Goals
Are you buying to live? To rent? To build long-term wealth? Goals determine strategy—and strategy determines outcomes.
Step 5: Choose a Real Estate Path
There’s no one “right” way—but there is a right way for you. First-time buyer, investor, or future landlord—clarity matters.
Step 6: Replace Timing the Market With Time in the Market
Waiting for perfect conditions is expensive. Ownership over time beats hesitation every time.
Step 7: Use Real Estate to Restructure Debt
Real estate can consolidate inefficient debt, stabilize housing costs, and redirect money toward equity instead of interest.
Step 8: Build a Team and Use Proven Systems
You don’t need to do this alone. Lenders, educators, and coaches matter. The right system turns complexity into clarity.
Step 9: Take the First Action—Then Adjust
Progress beats perfection. The first step creates momentum. Momentum creates results.
The Real Estate Show Is Your Partner
Remember this:The Real Estate Show is your partner in real estate.
Our experience can be the difference between a successful transaction and a stressful one.
Have a specific question about home loans? Text “LOAN” to 561-861-2366, and we’ll tackle it on a future show.
And yes—there are resources to help renters, buyers, and investors, which is why you should attend our Tuesday night workshop.
Tools for Achieving Your Goals This Year
Let’s break this theme down even further—by focusing on the tools that help you achieve real estate goals in the NEW year ahead:
Your retirement future doesn’t begin someday.It begins now.
If not now—when?If not this—what?If not you—who?
Sponsor Break (75%)
Today’s Show is Brought to You By: TimeToFixMyCredit.com Text “CREDIT” to 561-861-2366 and take control of your financial foundation.
Five-Point Show Summary
Closing & Tomorrow’s Preview
Tomorrow is our Wednesday Midweek Mortgage & Market Report. You won’t want to miss getting fully up to date on what’s happening right now in the real estate world—and what it means for you.
Thank you for listening. Thank you for taking the time to be here. But don’t just listen—use this show to get started in real estate investing.
Tune in every weekday for 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.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 01/12/26 Monday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Fearless Foundations: Why the Decision to Buy Real Estate Comes Before the Perfect Market
This is the Monday On A Mission Edition of The Real Estate Show—the day we set the frame for the week, challenge old assumptions, and remind you why NOW is the time to act.
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.Every episode is a virtual mini-seminar, and today is our Monday On A Mission Edition.
Last week, we talked about something powerful.
It’s a New Year—and it’s time to make things happen.
But today, we take that one step further.
Because deciding to make things happen…and knowing what to do nextare two very different things.
Did you know… most Americans delay buying real estate not because they can’t afford it, but because they haven’t decided to learn how affordability really works today?
Did you know… the average household pays tens of thousands more over a lifetime in interest and fees simply because no one ever showed them how to use real estate to restructure debt?
Did you know… the biggest financial breakthroughs almost always start with a decision—not a rate change, not a raise, not a “perfect” market?
Those aren’t trivia questions. They’re mirror questions.
Before we get into the meat of the show, let me remind you of this week’s FREE online workshops:
You want to attend these because real estate requires skill, strategy, adaptability, and an unwavering determination to cross the finish line successfully.
And remember this truth I say every day—because it’s real:
Everyone is in real estate.You’re either IN real estate because you own it—searched it, negotiated it, closed it, and enjoy the pride and benefits of ownership—or you’re ON real estate, paying rent directly or indirectly through the employer who pays the rent on your workplace.
TODAY’S MISSION
Today’s mission is simple:
Turn fear into clarity—and clarity into action.
Because most people don’t fail at buying a home due to money.They fail because of uncertainty.
They don’t know:
And when people don’t have clarity…they pause.
They wait.They overthink.They talk themselves out of opportunity.
THE REAL PROBLEM IS NOT THE MARKET
Let me say this clearly:
The problem is not interest rates The problem is not home prices The problem is not inventory
The real problem is fear without information.
Fear says:
And fear loves silence.
But fear cannot survive education.
WHY THIS WEEK MATTERS
This week is about Fearless Foundations.
Not reckless decisions.Not rushed decisions.
Educated decisions.
Because fearless doesn’t mean bold without thinking.Fearless means prepared.
And that’s why tomorrow night—we’re hosting something special.
TUESDAY PREVIEW
Tomorrow, we’re hosting our
Fearless First-Time Homebuyer Webinar
And this is not a sales pitch.
This is a path-clarity session.
It’s for people who say:
Here’s the truth:
The right time doesn’t arrive.It’s created.
NEW CONSTRUCTION: THE GAME CHANGER
Now let’s talk about something that’s changing the game right now:
New Construction
Most people think new construction is:
That’s outdated thinking.
In today’s market, new construction is often:
Builders are:
Translation?
Clarity replaces fear.
And clarity creates confidence.
WHY FIRST-TIME BUYERS ARE ACTUALLY IN A STRONG POSITION
Here’s what most headlines won’t tell you:
First-time buyers have advantages right now:
The buyers winning today aren’t waiting for perfection.They’re learning the new rules.
MESSAGE TO MY REAL ESTATE AGENTS LISTENING
And for my agents listening…
Pay attention.
First-time buyers + new construction is not just good for consumers—it’s one of the strongest niches heading into 2026.
Why?
This is where careers are built, not just commissions earned.
THE DECISION MOMENT
Let me ask you something honestly:
How long have you been saying:
“I’ll do it later.”
Later becomes next year.Next year becomes never.
Fear doesn’t disappear with time.It disappears with answers.
And that’s exactly what we’re providing this week.
(SECOND HALF)
Welcome back to The Real Estate Show. This is the Monday On A Mission Edition, and today we’re anchoring the week around one powerful truth:
For Fearless Foundations: The Decision Comes First.
This week in our workshops, we’ll show you why that decision matters—and then we’ll tell you what to do next.
Ten Reasons the Decision Comes First
Here are ten reasons you must commit to Fearless Foundations—each one practical, actionable, and proven.
The Four Major Roadblocks—and How Decisions Break Them
When you address the four major roadblocks to financial independence by embracing Fearless Foundations, you win. Here’s how.
Road Block #1: Government and TaxesWithout strategy, taxes quietly siphon away progress. With the decision to learn, real estate becomes a tax-efficient engine—depreciation, deductions, and smart structuring can legally reduce what you owe and redirect dollars to growth.
Road Block #2: Interest and Finance ChargesInterest punishes indecision. When you commit, you learn how to optimize financing, consolidate inefficient debt, and use real estate’s leverage to reduce lifetime interest costs.
Road Block #3: Uncontrolled Monthly BillsBills rise when income is static. Ownership introduces control—fixed housing costs, opportunities to offset expenses, and pathways to cash flow that stabilize the monthly picture.
Road Block #4: Inflation—the Silent Killer of WealthInflation erodes savings quietly. Real estate, approached decisively, hedges inflation—rents adjust, values rise, and debt is repaid with cheaper future dollars.
Another quick pause—lean in.
You can turn debt into wealth in real estate.Change your financial picture. Start by texting the word CREDIT to 561-861-2366.
Information changes outcomes.
Today’s Takeaway (Summary)
Today’s show is about one simple but powerful idea: Fearless Foundations begin with a decision. When you decide to get educated, understand credit, set goals, and apply strategy, real estate stops being intimidating and starts becoming intentional. Decisions convert uncertainty into action—and action builds financial independence.
Close & Tomorrow’s Preview
Tomorrow is our Tuesday Tools, Tips, and Techniques Edition of The Real Estate Show. You won’t want to miss the resources and insights designed to help you profit and succeed in today’s real estate world.
Thank you for listening—but don’t just listen. Use this show to get started in real estate investing, change your life, and tune in every weekday for a literal seminar in every episode of The Real Estate Show.
And don’t forget our free online workshops.Text EDGE to 561-861-2366.
This is The Real Estate Show.I’m Eric Willner.Make the decision—then build the foundation.