Radio Show Notes 11/14/25 Friday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Real Estate is the I.D.E.A.L Investment!
Learn more about Real Estate Investing and learn HOW by listening to America's Longest Running Daily Real Estate Radio Show "The Real Estate Show with Eric Willner", Live every weekday evening at 9 o'clock (EST) on Florida's Money Talk Radio Network WWNN 1470AM, 95.3FM, FM 96.9, and FM 103.9. Then contact us at 888-595-7779 to see how we can help you with your real estate goals. You can also hear us on the free apps: iHeart Radio and TuneIn and the WWNN AM1470 app. If you miss the live show, Recorded Rebroadcasts are available 24/7 on Facebook.
Also listen to the rebroadcasts on demand on Facebook.com/TheRealEstateShow
Then check out these EXTRA cool resources:
TimeToFixMyCredit.com for Financial Education and Credit Improvement
AutomaticLandlord.com for Landlording and Real Estate Investment
MackBuysHouses.com for a fast cash offer on Real Estate
MackSellsHouses.com for great deals on Real Estate Investments
MackBargainHouseHunters.com to Partner on Real Estate Deals
Eric Willner is the Host and Founder of The Real Estate Show, an informative show about how to buy, own, and improve real estate the right way. You can reach Eric Willner at eric@therealestateshow.com or 888-595-7779.
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Radio Show Notes 11/13/25 Thursday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Radio Show Notes 11/12/25 Wednesday:Read a summary of the show below orListen HereWatch Live Facebook Video Here
VA Loans, Rate Trends & New Opportunities — Your Midweek Mortgage & Market Report
By Eric Willner, Investor, Coach, and Host of The Real Estate Show, America’s longest running daily radio show about real estate.
The Wednesday Midweek Mortgage & Market Report
Theme: Military to Real Estate Millionaire — Why Your Next Real Estate Partner Should Be a VeteranDate: November 12, 2025By: Eric Willner, “The Voice of Real Estate”Host of The Real Estate Show – America’s Longest Running Daily Real Estate Radio Show
Included: A. Bullet point Summary, then full transcript below it.
Welcome to The Real Estate Show!
Welcome to The Real Estate Show — South Florida’s #1 Real Estate Radio Show and America’s longest running daily radio show about real estate.
My name is Eric Willner, known as The Voice of Real Estate, founder of The Automatic Landlord System for owning cash-flowing real estate profitably and hassle-free.
And as always — this show is your virtual real estate seminar on the air, bringing you tools, tips, and techniques to build financial freedom through real estate.
Today is our Wednesday Midweek Mortgage & Market Report — the day we break down what’s really going on in the mortgage markets, housing data, and investment trends that affect YOU.
And this week’s theme continues our Veterans Week series: “Military to Real Estate Millionaire — Why Your Next Real Estate Partner Should Be a Veteran.”
Because in real estate — timing, knowledge, and partnerships are everything.
Everyone Is in Real Estate
You’ve heard me say it before — and it’s worth repeating:
Everyone is in real estate.
Either you OWN it, or you are ON it.
If you own it — you searched for it, negotiated it, closed on it, and now enjoy the pride of ownership, tax benefits, appreciation, and income potential that come with it.
If you’re on it — you’re paying someone else’s mortgage, directly through your rent, or indirectly through your employer who pays rent on your workplace.
So, one way or another, you’re paying for real estate. The question is: Whose mortgage are you paying — yours, or someone else’s?
That’s why every episode of The Real Estate Show is designed to help you move from being ON real estate… to being IN real estate.
The Bottom Line: Why Homeownership Matters
Here’s the truth:
For a homeowner who pays off their mortgage, financial freedom means living on a dramatically reduced budget, making retirement goals far more attainable.
For a renter, however, financial freedom requires a much larger nest egg — and constant income — to cover a lifetime of ever-increasing rent payments.
Real estate ownership isn’t just about bricks and land. It’s about stability, leverage, and control of your financial destiny.
And this week, we’ve been exploring one of the most overlooked wealth-building partnerships in America — the connection between veterans and real estate investors.
Military to Real Estate Millionaire
Why Your Next Real Estate Partner Should Be a Veteran
Veterans bring more than honor and service — they bring entitlement.VA loan entitlement, to be exact — one of the most powerful financial tools in the country.
With no down payment, no PMI, flexible underwriting, and some of the lowest interest rates available, the VA loan allows our service members and their partners to unlock real estate opportunities that most Americans only dream about.
So, let’s explore what’s happening right now — in this market, this week — and how that relates to you, whether you’re a veteran or a civilian investor looking to build wealth.
Did You Know?
Let’s kick off with three thought-provoking questions for today’s Midweek Mortgage & Market Report:
Did you know that today’s national average for a 30-year fixed-rate mortgage sits at 6.25%, up just one basis point from last week — effectively flat — while 15-year rates hover around 5.66%?(Source: BankRate.com, Nov. 12, 2025)
Did you know that mortgage demand from homebuyers just hit its highest level since September, according to CNBC — even as interest rates rose slightly last week?
Did you know that President Trump recently proposed a 50-year mortgage program to improve affordability, calling it a “complete game-changer,” while experts warn it could delay equity building and cost homeowners 40% more in interest?
Those three headlines tell you everything you need to know about the current landscape — opportunity, uncertainty, and innovation — all colliding in one market.
And that’s what we’re unpacking today.
The State of the Mortgage Market — November 12, 2025
According to BankRate.com, as of this morning:
ARMs remain unpopular, and lenders are watching the Fed’s next move carefully.
Fed Chair Jerome Powell’s comments last week hinted at another possible rate cut later this month, which could finally bring relief to homebuyers and refinancers — just in time for the holidays.
And while the market feels steady, conflicting economic signals — from slowing hiring to persistent inflation — keep investors cautious.
The real takeaway? If you’re planning to buy or refinance, the time to prepare is now.Mortgage rates shift fast, and pre-qualification is your shield against volatility.
Quick Reminder: Our Free Workshops
Before we dive deeper — a quick invitation to our weekly workshops that help you stay ahead:
Remember, finances can challenge everyone — but The Financial Edge is your advantage.We believe in a 3-Pronged Approach:
We can be your financial team — let’s talk about it.
Here Are the Top Trending Topics for Today’s Update
Let’s unpack the top mortgage and market headlines driving real estate this week — and what they mean for you.
Headline 1: “Mortgage Demand from Homebuyers Hits Highest Level Since September, Despite Rising Interest Rates”
(Source: CNBC, Nov. 12, 2025)
Key Points:
As we head into what’s traditionally the slowest season for homebuying, Americans are showing resilience.
According to the Mortgage Bankers Association, mortgage applications jumped 6% last week, reaching their highest level since September — and 31% higher than the same week last year.
That’s right — demand is up even as rates hover above 6%.
MBA economist Joel Kan said, “Purchase applications for conventional, FHA, and VA loans increased as potential homebuyers continue to shop around, particularly in markets where inventory has increased and sales price growth has slowed.”
Why does this matter? Because it shows pent-up demand is breaking through the surface. Buyers are adapting to “new normal” rates and taking advantage of price stabilization — especially those using VA and FHA loans.
For veterans, this is your time.For investors partnering with veterans, this is your window.
As I often say, when others wait, winners act.
MID-SHOW BREAK
(Approx. 15-Minute Mark)
“You’re listening to The Real Estate Show, brought to you by TimeToFixMyCredit.com — the fastest way to improve your credit profile and prepare for homeownership or investment success.If you want to take control of your finances and build your financial edge, text the word EDGE to 561-861-2366.”
Now, back to the markets.
Headline 2: “Trump Proposes 50-Year Mortgage, But Some Say Homeowner Savings Would Be Minimal”
(Source: Realtor.com, Nov. 12, 2025)
This one’s making waves.
In a social media post, President Trump floated the idea of introducing a 50-year mortgage, calling it a way to lower monthly payments and expand affordability.
Bill Pulte, head of the Federal Housing Finance Agency, responded by saying Fannie Mae and Freddie Mac are “working on it” — calling it a “complete game-changer.”
Let’s look at the math.
On a median $415,000 home with a 20% down payment and a 6.3% rate, a 30-year mortgage would cost about $2,056/month.A 50-year loan would reduce that to $1,823/month — a savings of about $233.
Sounds good, right?But the catch: that borrower would pay 40% more in interest over time, and build equity much slower.
As Mortgage News Daily’s Matthew Graham put it,
“There’s no robust secondary market for such loans yet. Interest rates would be higher, and equity building would be extremely slow — a double whammy for anyone hoping to build wealth.”
In other words — affordability might improve on paper, but not in practice.Real wealth comes from ownership, amortization, and appreciation — not simply stretching out payments.
The real solution?Get educated, manage credit, and buy smart now, while the fundamentals are still in your favor.
How It All Ties Back to Today’s Theme
The reason we’ve focused this week on Military to Real Estate Millionaire — Why Your Next Real Estate Partner Should Be a Veteran is because veterans are uniquely positioned to succeed in this market.
They bring:
And when paired with the right investor or advisor — it’s a wealth-building machine.
The data backs it up.VA loan applications are on the rise again. Homebuying demand is rebounding. And with the Fed expected to ease before year-end, conditions could improve even more.
Whether you’re a veteran, a civilian partner, or an aspiring investor — this is the time to get pre-qualified, sharpen your strategy, and make your move.
Call to Action Reminder #2:If you want to build your Financial Edge, get your plan, and start investing the right way — Text EDGE to 561-861-2366.
Our workshops, calculators, and coaching are all designed to help you move from on real estate to in real estate.
Closing Thoughts
Real estate remains the IDEAL investment — Income, Depreciation, Equity, Appreciation, and Leverage.And for our veterans, that leverage begins with the VA Loan — the best financing tool in America.
Today we saw that demand is rising, innovation is coming, and opportunities are opening.
But remember — you can’t benefit from a market you’re not in.
So take action.Get educated.Partner smartly.And always — own real estate profitably and hassle-free.
Thank you for joining me for today’s Midweek Mortgage & Market Report.
Tune in tomorrow for the Thursday ATM Edition — About The Money, where we’ll talk about turning financial knowledge into real wealth, and how to secure mortgage rates in the 4’s and investor loans in the 5’s.
Until then, stay informed, stay inspired, and stay invested.
I’m Eric Willner, The Voice of Real Estate, reminding you that The Real Estate Show is a seminar in every episode.
Visit www.AutomaticLandlord.com for transcripts, replays, and upcoming workshop invites.Watch the show live or on-demand at Facebook.com/TheRealEstateShow —Because likes keep us going, and shares keep us growing.
Radio Show Notes 11/11/25 Tuesday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Why Your Next Investment Partner Should Be a Veteran: Tools, Tips & Techniques
“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. It’s a virtual real estate seminar in every episode.”
And today — we honor our veterans. We salute you, we appreciate you, we thank you for your service.If you see a veteran today — tell them thank you.
“Did You Know?” Segment — Today’s New 3 Questions
Did you know that veterans represent only 6% of the U.S. population but hold one of the most powerful loan benefits ever created — the VA home loan — with zero down, no PMI, and often the most favorable terms available?
Did you know that over 78% of Americans do not feel financially prepared for retirement… yet veterans who house-hack with their VA benefit can accelerate wealth building 3–5X faster?
Did you know that more than 40% of veterans who own real estate also generate rental income from multi-unit properties — and it’s the fastest path to passive income for service members AND civilians partnering with them?
“These are just a few of the alarming statistics about the current market. It is important to be aware of the challenges that you may face so that you can plan accordingly.”
Because in today’s economy, knowledge isn’t just power — it’s profit.
EVERYONE IS IN REAL ESTATE
Either you OWN real estate…because you bought it, closed on it, take pride in it…
Or you are ON real estate…because your rent, your workplace, your lifestyle is paid to someone who does own it.
So the question is not if you’re in real estate.The question is: Which side of the transaction are you on?
Transition to Today’s Theme
Today’s theme: Military to Real Estate Millionaire — Why Your Next Real Estate Partner Should Be a Veteran
Today we focus on ACTION — not theory.On TECHNIQUE — not excuses.On how to TURN OPPORTUNITY INTO OWNERSHIP.
We continue our mission — to transform lives through affordable housing and empower people to enjoy the American Dream of homeownership.
And today, especially today, Veterans Day — we honor those who protect freedom… and help them build wealth, stability, and legacy.
Reminder: The 3 Types of Income
The goal:Shift from Active → Semi-Active → Passive.
Real estate is the bridge between all three.
Main Segment — Turning Yesterday’s Insight into Today’s Action
Yesterday you learned the top reasons why partnering with a veteran is a wealth-accelerating strategy.
Today we turn those reasons into 9 actionable steps.
Here they are:
9 Actionable Steps
HOW to go from “Military to Real Estate Millionaire”
Step 1 — Understand the VA Advantage
The VA loan offers zero down for the veteran’s share, no PMI, and favorable underwriting.Knowing the structure lets you build smarter partnerships.
This is your base — your foundation.Study the rules — they protect you and unlock opportunities.
Step 2 — Identify the Right Veteran Partner
Choose someone who is stable, motivated, and aligned with your values.Partnerships are like marriages — choose wisely.
Military discipline, reliability, and consistency are MAJOR partnership strengths.
Step 3 — Target a 2–4 Unit Property
Why?
Because:
Veteran occupies one unit You both earn rental income Rental income offsets expenses It builds portfolio faster
This is the “House Hacking Power Play.”
Step 4 — Run the Numbers with Precision
Cash flow, reserves, vacancy rate, exit plan.Use calculators, professional guidance, and The Real Estate Show tools.
Successful investors are NOT lucky — they are PREPARED.
Step 5 — Leverage Seller Concessions
VA allows up to 4% concessions.
This can cover:
Closing costs Interest rate buydowns Prepaids Repairs Debt payoff (in some cases)
This reduces your upfront capital significantly.
Step 6 — Structure the Partnership Legally
Use an operating agreement or partnership agreement.
Define:
Who contributes what How income is split Management roles Exit strategy Refinance plan
Clarity creates confidence.Confidence eliminates conflict.
Step 7 — Use Projected Rent to Qualify
With VA multi-unit purchases, lenders can use a percentage of anticipated rental income toward qualification.
That means:
More purchasing power Lower DTI Higher approval odds
This gives you a strategic edge.
Step 8 — Plan for the Occupancy Requirement
The veteran must occupy one unit.
This works perfectly with:
Duplex Triplex Fourplex
After meeting occupancy rules, new options open:
Convert entire property to rental Veteran moves Partners refinance Acquire another property
This is how portfolios grow FAST.
Step 9 — Prepare for Multiple Exit Strategies
Smart investors have:
Plan A Plan B Plan C Plan R (refinance!)
Market shifts?Life changes?Rates rise or fall?
You adjust — but you don’t abandon the plan.
“Today’s Show is Brought to You By: TimeFixMyCredit.com — text CREDIT to 561-861-2366 to get your credit roadmap.”
Tomorrow is our Wednesday Midweek Mortgage & Market Report — the day we get laser-focused on rates, trends, demand, affordability, investor activity, and what’s REALLY going on in the market.
You don’t want to miss it.
Thank you for tuning in today.Thank you to all our veterans — today and every day.
Don’t just listen — ACT.Use our show to get started in real estate investing.Transform your life.Join us every weekday — The Real Estate Show is a seminar in every episode.
Attend our free online workshops.Text EDGE to 561-861-2366.
Visit us at www.AutomaticLandlord.comAnd watch the show live or on-demand at Facebook.com/TheRealEstateShow
Likes keep us going.Shares keep us growing.
Happy Veterans Day — and thank you for listening!
Radio Show Notes 11/10/25 Monday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Radio Show Notes 11/07/25 Friday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Radio Show Notes 11/06/25 Thursday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Zero Down, Infinite Impact: How the VA Loan Turns Service into Wealth
Welcome to The Real Estate Show – South Florida’s #1 real-estate radio show and America’s longest-running daily show about real estate!
I’m Eric Willner, The Voice of Real Estate, founder of America’s longest-running daily real-estate show and creator of The Automatic Landlord System for owning cash-flowing real estate profitably and hassle-free.
Every episode is a virtual real-estate seminar, and today is Thursday — the “ATM – About The Money” Edition, where we laser-focus on cash flow, financing, and the systems that turn clarity into confidence and plans into profits.
Our theme continues:
Zero Down, Infinite Impact: How the VA Loan Is the Wealth Retirement Accelerator.
This week we celebrate our veterans and honor the benefit that turns service into ownership and ownership into freedom.
HOOK / DID YOU KNOW? (02:00 – 04:00)
Did you know that a veteran with a VA loan and a plan can buy a home with zero down, no PMI, and instant equity through appreciation and amortization combined?
Did you know that South Florida continues to rank among the top three U.S. markets for real-estate appreciation over the last 12 months, averaging near 8% annual growth despite higher rates?
And did you know that buyers who got pre-qualified this quarter locked rates in the mid-6’s while waiting buyers saw prices climb faster than rates fell?
We’re in Week 45 of 2025 — and the market is alive with opportunity for those who act with clarity and a written plan.
RECAP (04:00 – 08:00)
Monday – On a Mission: We focused on clarity and planning to defeat fear.Tuesday – Tools, Tips & Techniques: We covered pre-qualification, credit readiness, and building a funding team.Wednesday – Midweek Mortgage & Market Report: We anchored with data:• 30-year fixed averaged 6.22–6.26% this week.• Refi volume is +112% YoY as borrowers chase rate drops and equity pulls.• ARMs now make up 11% of new apps.• Investors still account for ≈33% of single-family purchases nationwide – a five-year high.
So today, Thursday, we turn data into dollars-and-sense — it’s About The Money time.
NEW DID YOU KNOW x3
1?? Did you know locking a rate with a solid plan can be worth more than waiting six months for a maybe-lower rate if prices and rents rise first?2?? Did you know a written plan and pre-qualification can cut your negotiation time and improve seller terms?3?? Did you know that tax benefits plus depreciation often turn a “break-even” rental into positive cash flow on an after-tax basis?
That’s why financial literacy and planning are worth more than luck.
COMMUNITY & WORKSHOPS
Last night’s Financial Edge University Overview was packed! We’re creating a movement of street-smart, money-smart homeowners and investors who take action.
You can join us online — text EDGE to 561-861-2366.
Every month is Financial Literacy Month here on The Real Estate Show because ignorance is expensive and knowledge pays dividends for life.
ABOUT THE MONEY TEACHING BLOCK
Why is real estate the IDEAL investment?
I = IncomeD = DepreciationE = EquityA = AppreciationL = Leverage
The VA loan amplifies all five: Zero down means maximum leverage; no PMI means lower monthly cost; and low rates mean faster equity build.
Compare that to the noise:• Crypto speculation – 95% lose money.• Stock trading – short-term winners, long-term average.• Influencer fantasies – few profit after taxes.• Salary-only strategy – less than 5% reach millionaire status by 65.
We teach proven wealth systems backed by data, not hype. And we’ve added Guaranteed Business Funding options that don’t use your personal credit score. Text Funding to learn more.
CTA #1
Today’s show is brought to you by TimeToFixMyCredit.com. Text Credit to 561-861-2366.And don’t forget — text EDGE for your workshop invite.
( MID-SHOW BREAK )
You’re listening to The Real Estate Show with Eric Willner, brought to you by TimeToFixMyCredit.com — homeownership regardless of credit or down payment.
ERIC’S 3 CORE BELIEFS + SYSTEM
My 3 core beliefs:1?? Everyone should buy a home.2?? Everyone should have a written financial plan.3?? Everyone should own a business that pays them and gives tax benefits.
Those create your Financial Edge.
Our 5-Star, 3-Tier System: Save – tax optimization, debt management, expense control. Make – increase income, set cash-on-cash targets, structure financing. Multiply – leverage equity, refi smart, use 1031s and BRRR strategies.
Mini Case: VA buyer gets pre-qualified → finds duplex → negotiates seller credit → locks 6.2% rate → rents one unit → uses depreciation & amortization → plans IRRRL refi in 24 months → cash-flows + equity growth = retirement accelerated.
CTA #2
Brought to you by TimeToFixMyCredit.com — text Credit to 561-861-2366.Then text EDGE to get the systems, the team, and the plan.
ACTION PLAYBOOK
1?? Text EDGE to 561-861-2366.2?? Get Pre-Qualified — know your buying power.3?? Write your plan — budget, markets, exit strategy.4?? Assemble your team — agent, lender, inspector, tax pro.5?? Run the numbers — payment, cash flow, reserves.6?? Negotiate credits and rate buydowns.7?? Own it — track KPI’s, refi when smart, scale with clarity.
CLOSE (28:00 – 30:00)
Everyone is in real estate — you’re either owning it or paying someone who does.
With clarity and a plan, you move from ON real estate to IN real estate.
Today’s Show is brought to you by TimeToFixMyCredit.com — text Credit.And don’t forget to text EDGE to 561-861-2366 for your invitation to our next Financial Edge University session.
Thank you for listening. Don’t just listen — use what you’ve learned today to build wealth and freedom.
Tomorrow is our Friday Weekly Wrap-Up — we’ll recap the week’s strategy and set you up for success heading into 2026.
Because when it comes to building wealth and freedom…
Real estate is the IDEAL investment — Income, Depreciation, Equity, Appreciation, and Leverage.
Radio Show Notes 11/05/25 Wednesday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Midweek Market Report: Rates at 6.24%, Investors Rise, and Why VA Loans Are the Smartest Play of 2025
“Welcome to The Real Estate Show – South Florida’s #1 Real Estate Radio Show and America’s longest running daily radio show about real estate.”My name is Eric Willner, known as the Voice of Real Estate, founder of America’s longest-running daily real estate show, and creator of The Automatic Landlord System for owning cash-flowing real estate profitably and hassle-free. This show is a virtual real estate seminar in every episode.
This is the Wednesday Midweek Mortgage & Market Report edition of The Real Estate Show, where we bring you the latest mortgage trends, market insights, and funding strategies to power your next real estate move.
Why NOW still works in South Florida (and why VA is a superpower)
Let’s get local. South Florida continues to be one of the most resilient, globally demanded housing markets on the planet—high-quality jobs, no state income tax, sunshine, migration, and investment capital from across the U.S. and abroad. In Miami-Dade, the single-family median sale price held firm at $665,000 in September and condos at $420,000—that’s 13+ years of mostly consistent gains for single-family and a long trend of steady condo pricing. MIAMI REALTORS®Inventory is normalizing: a recent October market snapshot shows ~6.5 months of inventory for Miami single-family—finally giving buyers choices without erasing long-term appreciation. negociomiami.com
In Broward County, months’ supply sits at a balanced ~5.4 months for single-family and ~11.6 months for condos—meaning more negotiating room on condos, while houses are closer to a fair fight between buyers and sellers. MIAMI REALTORS®
Up in Palm Beach County, the latest local report pegs the single-family median at ~$510,000 with ~7 months of supply, hinting at a market that’s orderly—not overheated. rhondatownsend.com
Translation: South Florida has choice without losing strength. That is the window where smart buyers—especially veterans using VA financing—can lock in long-term wealth.
Today’s Rate Check (national backdrop)
As of today, Wed Nov 5, 2025, Bankrate shows the average 30-year fixed at ~6.24%. Fifteen-year sits near 5.6%, and jumbos hover in the low-to-mid 6’s. Rates are tied to the 10-year Treasury, which dipped below 4% recently, but bounced above again this week—hence the day-to-day wiggles. Bottom line: we’re in the low-to-mid 6’s band today. Bankrate+1
Why do I harp on that? Because probability favors volatility near Fed meetings and data releases. Many forecasters are discussing the prospect of another Fed cut later this month, but even then, mortgage rates don’t always follow one-for-one. The message remains: shop lenders, compare quotes, and be ready. Bankrate
Everyone is IN Real Estate
You either own it—searched it, negotiated it, closed it, and now enjoy tax benefits, amortization, and appreciation—or you’re ON it, paying someone else’s mortgage via rent or even via your employer’s commercial lease.
Bottom line:
That’s why our theme matters today:
Zero Down, Infinite Impact: How the VA Loan Is the Wealth Retirement Accelerator
The VA loan removes the biggest early hurdle—the down payment—and strips away PMI, often lowers the rate, and comes with flexible guidelines. That’s rocket fuel for a lifetime wealth plan.
“Did you know?” — Today’s wake-up calls
These are wake-up calls. Markets reward prepared buyers—especially veterans wielding VA leverage.
Workshop Reminders (South Florida audience)
We believe in a 3-pronged approach:
Mortgage & Market Headlines (with Eric’s take)
Bankrate today:
When is NOW a good time to call your mortgage pro?When you can improve cash flow, secure a home, or stop feeding rent inflation. Today is such a day.
Local pulse:
Strategy & Education: Turn VA Benefits into a Retirement Engine
Why the theme matters: The VA loan converts service into equity. Zero down, no PMI, competitive rates, and repeatable usage (with entitlement restoration) make it a wealth accelerator. You can house-hack, owner-occupy, then retain and rent as you move up—compounding cash flow, amortization, and appreciation over decades.
Connect to today’s data: Rates in the low-to-mid 6’s are workable—especially if you avoid PMI and keep reserves. South Florida’s months’ supply finally lets you pick your spots. Investors are active (33% share in Q2), but small investors dominate, not just institutions—which means you can play at that field, too. BatchData
Nine VA-powered moves (quick hits, then examples):
Example — Miami duplex with VA:Buy at $700k with zero down, 6.25% rate. Live in one unit; rent the other at $3,200. Without PMI, your net out-of-pocket shrinks. Over five years, rents rise, principal falls, value likely appreciates. You just converted housing cost into an appreciating, income-producing asset—that’s the retirement accelerator.
25% Sponsor Break & CTA
“Today’s Show is brought to you by TimeToFixMyCredit.com.Text CREDIT to 561-861-2366. A stronger score = better pricing, more approvals, and faster closings.”
Headline Deep-Dive #1 — Rates bumped; demand paused (what it means for YOU)
Headline: “In a volatile week for interest rates, mortgage demand pulled back.”Key points (MBA weekly):
Eric’s summary (15-minute explainer):Last week was a rollercoaster. Rates hit the lowest level in over a year on Tuesday, then shot higher after the Fed announcement and Powell’s presser on Wednesday, and drifted again Thursday/Friday. That whiplash dented refis—down ~3%—and nudged purchases down ~1% week-over-week; yet purchase demand is still +26% year-over-year, which tells you the market is thawing compared with late-2024. MBA’s Joel Kan notes FHA activity firmed even as conventional and VA apps dipped during the noise. This is exactly what we expect when 10-year Treasury yields bounce on policy headlines: short-term pain, long-term opportunity. MBA+1
Why does this relate to “Zero Down, Infinite Impact”? Because VA buyers are less rate-fragile thanks to no PMI and flexible underwriting. In South Florida, where condo supply is higher (11.6 months in Broward) and single-family is balanced, you can use VA to enter now, and later—when rates ease—IRRRL to drop your payment. If you wait for the perfect day, you risk missing the perfect asset. MIAMI REALTORS®
Action steps right now:
And remember: South Florida insurance is real—shop policies early; structure deductibles smartly; and invest in mitigation credits (shutters, roof, elevation certificates). That’s how pros keep cash flow intact.
“This week’s search trends” (what your neighbors are Googling)
(Those mirror the questions I’m getting from clients this week—you’re not alone.)
Mid-Show Break (Halfway Point) — Commercial + CTA
“Today’s Show is brought to you by TimeToFixMyCredit.com.If you’re buying in the next 3–12 months, text CREDIT to 561-861-2366 and tighten up your score.And right now—text EDGE to 561-861-2366 to get tonight’s Financial Edge invite. Let’s put a written plan behind your goals.”
Headline Deep-Dive #2 — Investors’ five-year high share
Headline: “Investors are making up the highest share of homebuyers in 5 years.”Key points:
Eric’s 5-minute takeaway (why it supports today’s theme):The headlines love “Wall Street,” but the data show Main Street is the real force: 90% of investor-owned homes belong to small investors holding 10 or fewer properties. They target lower-priced homes (avg. ~$455k vs national ~$512k) and cash-flow markets—very often the exact duplex or condo you’re considering. If you’re a veteran, your VA loan is your edge: acquire with zero down, lock in no PMI, and step into the same wealth machine the small pros use. In Florida, investors have a big footprint—Florida/Texas/California lead in counts—so move like a pro: buy right, finance right, hold right. BatchData
Practical Playbook: “Whether you need a mortgage now… prepare early”
“Whether you need a mortgage now or plan to get one in the next year or two, it’s crucial to prepare early and get a PQ (pre-qualification) to see where you stand.”And yes—we’re tracking two new mortgage products hitting the U.S. market plus a down-payment-assistance option and soft-pull pre-checks to protect your score while you shop. Text “LOAN” to 561-861-2366 and we’ll walk you through which programs fit your plan. (Rates and product availability change—comparison shopping matters.) Bankrate
Also: Refi math. A 0.25%–0.50% rate improvement can justify an IRRRL if the breakeven is sensible (months to recoup costs). We’ll run that breakeven spreadsheet with you.
South Florida Focus: neighborhoods & tactics
Pro tip: Ask for seller credits toward rate buydowns and closing costs—especially on condos with longer DOM—so your VA purchase starts cash-flow healthier on day one.
Rewriting the MBA “volatile week” article in my voice (with quotes)
Last week’s rate seesaw did exactly what we warned it would do: it squeezed weekly demand. The MBA reported total mortgage applications fell ~1.9%, with the average 30-year fixed contract rate nudging from ~6.30% to ~6.31% on conforming loans. We actually touched the lowest level in over a year on Tuesday before the Fed and Chair Powell’s comments jolted yields on Wednesday—classic “headline risk.” Refis fell ~3%, still triple-digits above last year’s depressed levels, while purchase apps slipped ~1% but remain ~+26% year-over-year. As MBA’s Joel Kan put it, “FHA applications saw a stronger week…as borrowers continue to seek options to manage affordability,” and FHA refis surged as its rate ran >10 bps below conventional. That’s the market telling you to be nimble and use programs wisely. Mortgage News Daily
Why this proves the theme: When volatility bites, zero-down + no PMI + flexible underwriting (VA) lets you buy the asset and let time and amortization work. Then you IRRRL later. Waiting for a mythical 4-handle rate while rents rise and prices grind higher is how people get priced out.
You can read more and grab today’s full notes at AutomaticLandlord.com.
75% Sponsor Break & CTA
“Today’s Show is brought to you by TimeToFixMyCredit.com.Text CREDIT to 561-861-2366 to improve your pricing power and approvals.”
Quick hits before we land the plane
Summary
Today we proved that real estate remains the best vehicle for wealth and early retirement—especially when you use tools like the VA loan to eliminate down payment, avoid PMI, and lock in leverage. With South Florida inventory normalizing (Miami SFH ~6.5 months; Broward condos ~11.6 months; Palm Beach SFH ~7 months) and national 30-yr rates ~6.24%, the opportunity is to buy the right asset now, then optimize the financing as cycles turn. Bankrate+3negociomiami.com+3MIAMI REALTORS®+3
Final Calls-to-Action
Conclusion
Thanks for tuning in to The Real Estate Show—your daily seminar in real estate. Don’t just listen—use what you learned today to step IN to real estate with a plan, the right financing, and a local strategy that works in South Florida.
Join us tomorrow for the ATM – About The Money edition, where we’ll focus on financial literacy and wealth-building—including how buyers are legitimately getting rates in the 4’s and investor loans in the 5’s with structure and strategy.
Share this episode with someone who should own real estate.Visit: AutomaticLandlord.com for transcripts, past episodes, and workshop links.Follow: Facebook.com/TheRealEstateShow — Likes keep us going, Shares keep us growing!
— Eric Willner, The Voice of Real Estate
Radio Show Notes 11/04/25 Tuesday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Radio Show Notes 11/31/25 Monday: Read a summary of the show below orListen HereWatch Live Facebook Video Here
Monday On A Mission: Zero Down, Infinite Impact — Why the VA Loan is the Wealth Retirement Accelerator
By Eric Willner, Investor and Host of The Real Estate Show, America’s longest running daily radio show about real estate.
Welcome to The Real Estate Show, hosted by me, Eric Willner, known as The Voice of Real Estate, founder of America’s longest running daily radio show about real estate, and creator of The Automatic Landlord System for Owning Cash-Flowing Real Estate — Profitably and Hassle-Free!
Every episode of this show is a virtual real estate seminar on the air, and today’s show — The Monday On A Mission Edition — is designed to do what Mondays are made for: set the tone, sharpen the focus, and fuel your mission for the week ahead.
Today’s Mission Theme
Zero Down, Infinite Impact: How the VA Loan is the Wealth Retirement Accelerator
Let me ask you three powerful questions to start your week — and get you thinking like an investor, not just an earner:
These “Did You Knows” aren’t just trivia — they’re wake-up calls.They highlight how opportunity often hides in plain sight, especially when we’re overwhelmed by debt, distracted by inflation, or paralyzed by fear.
It’s time to shift our thinking, and that’s exactly what the 21-Day Challenge and this week’s mission are all about:
“Shift your income, scale your mindset, and stop trading time for money.”
Setting the Stage
Since July 1st, we’ve been walking through the 10 things I’d do if I were starting over in real estate.
We’ve already talked about:
Now, here in Week 45, we’re moving into the action phase — where your strategy meets funding and your mindset meets momentum.
Why the VA Loan is a Game-Changer
The VA Loan isn’t just a mortgage product — it’s a Wealth Retirement Accelerator.For veterans, active-duty members, and even qualifying surviving spouses, this program offers one of the most powerful, risk-mitigated wealth tools in America.
Here are the Top 10 Reasons why the VA Loan is the “Zero Down, Infinite Impact” pathway to long-term wealth:
1?? Zero Down Payment = Maximum Leverage
No down payment means you can preserve your cash for improvements, reserves, or your next investment.In real estate, leverage multiplies results — when used responsibly, it’s the key to exponential wealth.
2?? No Private Mortgage Insurance (PMI)
Most loans under 20% down require PMI. VA Loans don’t.That’s hundreds of dollars saved every month — dollars that can instead go toward equity or investments.
3?? Competitive Interest Rates
VA-backed loans often come in 0.25% to 0.50% lower than comparable conventional loans.Over time, that translates into tens of thousands of dollars saved in interest.
4?? Easier Qualification Standards
The VA doesn’t have minimum credit score requirements.Lenders often approve borrowers with scores in the mid-600s or even lower, depending on compensating factors.
It’s another reason we always say:
“You can turn debt into wealth — in real estate.”(Text CREDIT to 561-861-2366 to find out how!)
5?? Ability to Buy Multi-Unit Properties
Yes, you can buy a duplex, triplex, or fourplex with a VA Loan — live in one unit and rent out the others.That’s how to live for free while your tenants build your equity.
6?? Reuse and Rebuild
VA eligibility doesn’t expire.Once you’ve paid off your VA Loan, you can use it again — even multiple times in your lifetime.
7?? Assumable Loan Advantage
In an environment where rates rise and fall, assumable VA Loans become gold.Future buyers can assume your lower-rate loan, giving you a major selling advantage.
8?? Streamline Refinance (IRRRL)
The VA’s Interest Rate Reduction Refinance Loan allows existing VA borrowers to refinance quickly and easily — often without income verification, appraisal, or out-of-pocket costs.
9?? No Early Payoff Penalties
Paying off your loan early? You’ll never be penalized.That means more flexibility, faster debt freedom, and easier portfolio management.
Lifetime Benefit for You and Your Family
This is not just a one-time perk — it’s a lifetime wealth accelerator for those who served our nation.Homeownership creates stability, equity, and generational opportunity.
Quarter Break — Sponsor Segment
“Today’s Show is brought to you by: www.TimeToFixMyCredit.com.If your credit could use a tune-up, or you’re planning to buy a home, this is the place to start.You can turn debt into wealth in real estate — start by texting the word CREDIT to 561-861-2366.”
The Four Major Roadblocks to Financial Independence
To build wealth — whether through VA Loans, traditional investing, or small business ownership — you have to eliminate the obstacles that quietly steal your money.
Let’s break them down:
Roadblock #1: Government and Taxes
The average American gives up 25–35% of their income to taxes.Real estate investors, however, can leverage deductions, depreciation, and tax-deferred gains to keep more of what they make.
The VA Loan, in particular, sets you up for owner-occupied tax advantages, plus capital gains exclusions when you sell later.
Roadblock #2: Interest and Finance Charges
According to a Wall Street Journal study, Americans spend 34.5 cents of every dollar on interest and finance charges.With VA-backed low rates, you can save that money — and use it to accelerate equity or buy another property.
Roadblock #3: Uncontrolled Monthly Bills
Debt without discipline leads to decline.That’s why financial literacy — budgeting, tracking, and investing intentionally — is the difference between surviving and thriving.Remember: you’re either in control of your money, or it’s in control of you.
Roadblock #4: Inflation — The Silent Killer of Wealth
Inflation erodes your purchasing power every single year.But owning real estate is inflation’s antidote.As prices rise, so do rents and property values — meaning real estate owners benefit while renters struggle.
Why Everyone Is in Real Estate
Everyone is either IN Real Estate — because you own it, control it, and build equity — or you’re ON Real Estate, paying rent or helping someone else pay down their mortgage.The question isn’t if you’re in real estate… it’s how.
And the VA Loan gives qualifying veterans the power to go from tenant to tycoon — zero down, infinite impact.
Mid-Show Sponsor Break
“This show is brought to you by: www.TimeToFixMyCredit.com — our partner in helping families become homeowners, regardless of credit or down payment.And don’t forget, you can always text CREDIT to 561-861-2366 to start your Financial Edge journey today!”
Today’s Summary — Key Takeaways
Remember, today is your Monday On A Mission — and your mission is to act.Don’t wait for perfect timing; create it.
Join our workshops this week:
Take advantage of the education that turns knowledge into equity.
Because every day you wait to start, someone else is buying the property you could have owned.
Final Word
“Thanks for tuning in to The Real Estate Show — don’t just listen, use our show to get started in real estate investing and change your financial future.Tune in every weekday for a virtual seminar on the air — and join our free online workshops by texting the word EDGE to 561-861-2366.
Tomorrow, we’ll bring you the Tuesday Tools, Tips, and Techniques Edition — where we’ll break down the actionable strategies to help you profit and succeed in real estate.”
And remember my favorite line:
“It’s a stone-cold fact that real estate is the best investment. Period. It’s the IDEAL Investment.”