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