Radio Show Notes 10/31/25 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 10/30/25 Thursday:Read a summary of the show below orListen HereWatch Live Facebook Video Here
Radio Show Notes 10/29/25 Wednesday:Read a summary of the show below orListen HereWatch Live Facebook Video Here
Midweek Market Report: Mortgage Rates Hit Lowest Level in a Year as 21-Day Challenge Gains Momentum
By Eric Willner, Investor, Coach, and Host of The Real Estate Show, America’s longest running daily radio show about real estate.
The Real Estate Show – Wednesday Midweek Mortgage & Market Report
Theme: The 21-Day Challenge – Shift Your Income, Scale Your Mindset, and Learn How To Stop Trading Time for Money
Date: Wednesday, October 29, 2025 | Week 44 – Day 302
“Welcome to The Real Estate Show – South Florida’s #1 Real Estate Radio Show and America’s longest-running daily radio show about real estate.
My name is Eric Willner, known as The Voice of Real Estate and founder of America’s longest-running daily radio show about real estate and creator of The Automatic Landlord System for owning cash-flowing real estate profitably and hassle-free.
This show is a virtual real estate seminar in every episode.”
Setting the Stage: Everyone Is in Real Estate
“This is the Wednesday Midweek Mortgage & Market Report Edition of The Real Estate Show, and today we continue our theme for the week:
The 21-Day Challenge — In 21 Days Shift Your Income, Scale Your Mindset, and Learn How to Stop Trading Time for Money.
You’ve heard me say it before — and I’ll say it again: Everyone is in real estate.
Either you own it, or you’re on it.
If you’re IN real estate, it’s because you’ve made the move — you searched, negotiated, and closed on it. You’re enjoying the pride of ownership, the tax advantages, and the wealth-building benefits that come with owning real property.
But if you’re ON real estate, that means you’re paying those who own it — directly through rent, or indirectly through your employer’s rent on the space you work in.
And the truth is — that’s the biggest financial fork in the road.Because for homeowners, paying off your mortgage means financial freedom. It means you can retire on less, live with more peace of mind, and have an asset that appreciates over time.
For renters, that same freedom requires building a massive nest egg just to keep pace with rising rent — a never-ending treadmill.”
Theme Spotlight: The 21-Day Challenge
“So today, we’re going to tie our Midweek Market Report to our theme —
The 21-Day Challenge: How to Shift Your Income, Scale Your Mindset, and Stop Trading Time for Money.
Because the data I’m about to share with you proves it —When you have clarity and a plan, you overcome fear.When you act with purpose, you win in real estate.
So let me kick things off with three ‘Did You Know’ questions to get your wheels turning…”
Three “Did You Know?” Market Questions
1?? Did you know that mortgage rates have now fallen for five straight weeks — hitting their lowest point in more than a year, sitting today at just 6.18% for a 30-year fixed loan?
2?? Did you know that refinance activity is up 111% year-over-year — as more homeowners lock in lower rates, freeing up thousands in cash flow?
3?? Did you know that investors now account for one out of every three home purchases in America — the highest level in five years?
These aren’t random numbers — they’re powerful signals that real estate is stabilizing while opportunities are opening up.
Today’s show is about understanding what that means for YOU — and how the 21-Day Challenge can help you use these shifts to your advantage.”
Before We Dive In – This Week’s Free Workshops
“Before we get into the meat of the show, let me remind you of this week’s special FREE workshops designed to help you implement what we teach here on the show.”
1?? 1st and 3rd Tuesdays – 8 PM: Path to Home Ownership Introduction – Online by Invitation.Text PATH to 561-861-2366.
2?? Every Wednesday Night – 8:30 PM: Financial Edge Academy 101 Overview – Online by Invitation.Text EDGE to 561-861-2366.
“Do finances challenge you? Most people say YES!That’s why we built The Financial Edge — the education and the team that moves the needle.
We believe in a 3-pronged approach:1?? Everyone should buy a home — be a homeowner. Everyone should have that home in financial order, with a written plan.3?? Everyone should own a business that pays them and gives them tax benefits.”
“We can be your Financial Team — text EDGE to 561-861-2366.”
Market Update: Mortgage & Rate Trends
“Let’s talk numbers — because the data tells the story.”
According to BankRate.com, here’s the latest on the national mortgage landscape:
“Today’s national 30-year fixed mortgage rate is 6.18%, down 4 basis points from last week.The 15-year fixed sits at 5.55%, and the 10-year fixed is averaging 5.49%.
Top offers are now 0.72% lower than the national average, saving borrowers roughly $1,883 annually on a $340,000 loan.”
That’s five weeks of steady, small declines — and more importantly, stability.
The 10-year Treasury yield — the benchmark for mortgage rates — has bounced above 4% again, but economists are predicting another Fed rate cut by the end of the month.
That could mean lower borrowing costs, and better opportunities for both homeowners and investors.
The Opportunity Window
“Here’s the bottom line:
Whether you need a mortgage now or plan to in the next year, this is the time to prepare.
Get your PQ — Pre-Qualification — and see where you stand.
Because in this rate environment, the informed buyer wins.
And by the way, we’ve got inside access to two new mortgage products that are about to hit the market — including one with down payment assistance and a soft credit pull.
Want to learn more? Just text LOAN to 561-861-2366 — and our team will connect you with details before they’re public.”
Article Spotlight #1: Mortgage Rates Drop to Lowest Level in a Year
Headline: “Mortgage rates drop to the lowest level in over a year, pushing refinancing 111% higher annually.”
Key Points:
Eric Willner:“This is what I’ve been saying for weeks — when rates come down, the smart money moves fast.
Mortgage application volume jumped 7.1% last week. Homeowners are refinancing, buyers are returning, and investors are reloading.
Joel Kan from the Mortgage Bankers Association noted, ‘This recent decline in rates spurred the second consecutive week of increased refinance activity, driven mainly by conventional refinances.’
And with the average loan size of nearly $400,000, borrowers are saving thousands a year by locking in now.
Now, here’s where it ties directly into our 21-Day Challenge — it’s all about mindset and motion.
Most people hesitate. They wait for ‘perfect timing.’But the winners in real estate are the ones who act when everyone else is waiting.
That’s what the 21-Day Challenge teaches — disciplined, daily action.Because even one move — like locking a lower rate — can shift your entire financial future.”
MID-SHOW COMMERCIAL BREAK
“You’re listening to The Real Estate Show — South Florida’s #1 Real Estate Radio Show and America’s longest-running daily show about real estate.
Today’s show is brought to you by TimeToFixMyCredit.com — helping you turn your credit into capital and your dreams into ownership.
Text CREDIT to 561-861-2366 to get started today.”
[Short music bed transition – upbeat instrumental]
Article Spotlight #2: Investors Are Back in the Game
Headline: “Investors are making up the highest share of homebuyers in 5 years.”
Eric Willner:“Now, this one is fascinating — because it reveals the heartbeat of the market.
When investors increase their share, it means confidence is back.
Yes, overall sales are down — but the smart money sees opportunity.That’s why I always tell listeners: follow what investors do, not what they say.
According to CJ Patrick Co., small investors — folks with under 10 properties — make up 90% of all investor-owned homes.
And they’re the ones buying right now.
Meanwhile, big institutional players are selling and shifting into build-to-rent communities.
Why does that matter? Because it means less competition for individual buyers and small investors.
Rick Sharga, CEO of CJ Patrick Co., summed it up perfectly:
‘This shift means less competition for small investors and traditional homebuyers, while also adding more rental supply, which is needed in today’s market.’
That’s great news if you’ve been waiting for your entry point.Inventory is improving, rates are easing, and you can position yourself to win if you take action now.
That’s what our 21-Day Challenge is all about — small actions that compound into real results.”
Market Takeaway: Stability Is Opportunity
“So what’s the takeaway from today’s report?
Rates are down. Investor activity is up. And the economy — while mixed — is providing breathing room for those who plan smart.
This is the time to review your credit, tighten your plan, and prepare for the next buying window.
And remember — financial freedom isn’t just about owning real estate. It’s about owning your time.
That’s what happens when you stop trading time for money and start letting your money — and your properties — work for you.”
Mid-Show Call to Action #2
“Don’t do this alone — we can help.
Text EDGE to 561-861-2366 to join tonight’s Financial Edge Academy Live Workshop.We’ll break down today’s mortgage data, walk you through credit strategies, and show you how to make this market work for you.”
Recap and Closing Thoughts
Let’s wrap today’s Midweek Mortgage & Market Report with a quick recap:
Mortgage rates are down to 6.18% — the lowest in over a year. Refinances are up 111%, proving buyers are getting proactive. Investors now account for 33% of home sales, showing strong confidence. Market stability = opportunity for first-time buyers and small investors. The key? Have a plan — and act on it.
“Whether you’re refinancing, buying, or just getting started — The Real Estate Show is here to help you win.
Don’t just listen. Use this information.Because this show isn’t about entertainment — it’s about transformation.”
Closing Segment
“Thank you for tuning in to The Real Estate Show – The Wednesday Midweek Mortgage & Market Report Edition.
I’m Eric Willner, The Voice of Real Estate, reminding you that real estate remains the IDEAL Investment:
I – IncomeD – DepreciationE – EquityA – AppreciationL – Leverage
Join us again tomorrow for The ATM Edition – About The Money, where we’ll show you how to use these strategies to build your wealth faster and smarter.
And remember — share this show with someone who should own real estate.Because when you own real estate, you own your future.”
“Catch replays, transcripts, and resources anytime at AutomaticLandlord.com.And text EDGE to 561-861-2366 to join our next Financial Edge Workshop.”
Radio Show Notes 10/28/25 Tuesday:Read a summary of the show below orListen HereWatch Live Facebook Video Here
Radio Show Notes 10/27/25 Monday:Read a summary of the show below orListen HereWatch Live Facebook Video Here
Radio Show Notes 10/24/25 Friday:Read a summary of the show below orListen HereWatch Live Facebook Video Here
Radio Show Notes 10/23/25 Thursday:Read a summary of the show below orListen HereWatch Live Facebook Video Here
Radio Show Notes 25.10.09 Thursday - Clarity + Plan = Profits! Why Smart Investors Win in 2025’s About The Money Market
Clarity + Plan = Profits! Why Smart Investors Win in 2025’s About The Money Market
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, October 23, 2025 – Day 296, Week 43 of 2025. And this is the “ATM – About The Money” edition of The Real Estate Show, where we continue to talk about why NOW is the time to buy real estate — using the theme: Clarity and a Plan is How You Overcome Fear in Real Estate.
Did you know that having a clear, written plan for how you finance, acquire, own and exit a property gives you an edge that many buyers simply don’t have — and when you act while others wait, you win?We’re picking up momentum — the year is picking up speed and real estate is offering you more than simple appreciation: you’ve got rental income, tax benefits, depreciation, leverage. Multiple ROI streams.
Earlier this week on Monday we talked about “Clarity and Plan” — that you must know what you want, how you will get it and why you will hold it. On Tuesday we drilled into tools & techniques — your pre-qualification, your criteria, your team. On Wednesday we delivered the Midweek Mortgage & Market Report — rates, investor activity, trends. Now today we focus on the money — how you use clarity + plan to execute and build wealth.
Did you know that the average 30-year fixed mortgage rate is hovering around 6.27%, near its lowest level of the year? According to recent data from Freddie Mac, rates fell to 6.27 % from 6.30 % last week. FRED+3Finance & Commerce+3ABC News+3 With lenders and borrowers poised, the window for opportunity is real.Did you know that some expert forecasts suggest rates may drop further if inflation softens and the labor market weakens — but if you wait for “perfect” you may miss the property, the deal or the leverage? CBS News+1Did you know that real estate is one of the few asset classes where you can own, operate, leverage, tax-optimize and control outcomes — when you have the plan? That’s what makes it the ideal investment and business.
Last night we held our Financial Edge University Overview workshop — and what a powerful evening! Last night we introduced how real estte and precious metals work together. We’re building a community of street-smart, money-smart people who refuse to be sidelined by indecision or fear. You can join online by invitation simply by texting EDGE to 561-861-2366.
Here’s the deal: Financial Literacy Month is observed each April, but we believe every month is Financial Literacy Month. Be in the game. Be in the know. Ignorance is not bliss when you’re buying property, taking on debt, owning an asset. The lack of financial literacy can lead to foreclosure, no money in retirement, and regrets. Knowledge is key. That’s why real estate is the ideal investment & business — when understood, executed, and leveraged properly. Many “get rich quick” schemes prey on lack of knowledge. Our Financial Edge Academy delivers knowledge and hope without hype. Proven track record.
You think you’re going to get rich trading crypto, options, forex or stocks? Reality: for every winning trade, there are 7-9 losers. We don’t gamble; we implement systems. You think you’re going to get rich as a social media influencer? Less than 20% make money in their first 5 years. You think you can build a successful business without selling, marketing or recruiting anyone? Reality: It requires extreme luck and niche product. You think you’ll become wealthy working for someone else? Less than 1-5% ever reach millionaire status. I did the research. We built The Financial Edge Academy so that no one can lose—except those who choose not to participate. With tens of thousands of documented results. Now we’ve added guaranteed business funding for your new or existing business — no need for, nor impact to, your personal credit score — text “Funding” to find out more.
Now, let’s talk money. How do you turn clarity and plan into cash flow, equity, tax benefit and freedom?
First – clarity. KNOW your buying power. Get pre-qualified. Know your credit, know your down payment, know your reserves. Run your numbers: payment, taxes, insurance, maintenance, vacancy, capex. When you have clarity, you can act. Without it you pause.Second – plan. Define your buy-box: what markets you’ll target, what property types, what returns you expect. Write your plan: If property meets X, Y, Z metrics you buy; if not you walk.Third – execute. With your team in place (agent, lender, inspector, property manager, tax advisor) you act quickly. When opportunity knocks you answer.Fourth – own and monitor. You track cash flow, depreciation, tax benefits, amortization, exit strategy. You review every year. You adjust.
This is our 5-Star, 3-Tiered System at The Financial Edge:
And my 3 core beliefs:
Today’s Show brought to you by TimeFixMyCredit.com — text “Credit” to get started.
Execute this playbook now:
I’ll remind you again: Text EDGE to 561-861-2366 to join our community and get ahead.
Break…[brief musical/sponsor break]…We’re brought to you by TimeFixMyCredit.com — our partner in home-ownership, no matter your credit, no matter your down payment.
Now let’s get back into it. Because the opportunity is real. Rates near 6.27%? Some lenders showing 6.25-6.35% for good profiles. Inventory easing. Investors still buying, but you can still compete — because your plan is clear. Affordability is improving slightly. The window is open. Fear of “What if I wait for 5%?” should not stop you when you have the plan. Because waiting may cost you property, cost you leverage, cost you years of appreciation.
Remember: You either are IN real estate (you own it) or you are ON real estate (you pay someone else’s mortgage). For the rent-payer, financial freedom means needing a huge nest egg to generate cash flow to cover ever-rising rent. For the homeowner who pays off their mortgage, freedom means a dramatically reduced budget and more options. Act now.
As always, real estate is the ideal investment if you understand how to own it, operate it, optimize it and exit it. That’s why we built The Automatic Landlord System — owning cash-flowing real estate profitably and hassle-free.
And we are your Financial Team.
Final call to action (end):Today’s show brought to you by TimeFixMyCredit.com — text “Credit”.And one more time — text EDGE to 561-861-2366 now to join the workshop, get the plan, get the team, get the edge.
Thank you for listening — but don’t just listen, use our show to get started in real estate investing. Tune in every weekday—this is a literal seminar in every episode of The Real Estate Show. Join our workshops—they’re for you! Tomorrow is our Friday Weekly Wrap-Up! Don’t miss the highlights of the week!It’s a stone-cold fact: Real estate is the best investment. Period. It’s the IDEAL Investment.
Good Day and let’s build wealth together!
Radio Show Notes 10/22/25 Wednesday:Read a summary of the show below orListen HereWatch Live Facebook Video Here
Main Data Highlights and Key Points from Today’s Show
Radio Show Notes-25.10.22 Wednesday – Breaking Down the Midweek Market Report: Investors Surge, Rates Settle, and Homeowners Win
Breaking Down the Midweek Market Report: Investors Surge, Rates Settle, and Homeowners Win
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”. 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 I laid out on Monday, Clarity and a Plan is How You Overcome Fear in Real Estate.
Everyone is IN Real Estate! Everyone 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 have the pride of ownership, tax benefits, and long-term appreciation, along with all 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 Bottom Line: For a homeowner who pays off their mortgage, financial freedom means living on a dramatically reduced budget, making their retirement goals much more attainable. For a renter, financial freedom requires successfully investing a much larger nest egg to generate enough cash flow to cover a perpetual, ever-increasing rent payment.
Clarity and a Plan is How You Overcome Fear in Real Estate
Let’s dig in to what I mean by that. Real estate can seem intimidating. First-time homebuyers and even seasoned investors often freeze because they don’t really know the steps, don’t have a written plan, and don’t see the clarity—but that is exactly where fear takes root. When you lack clarity, you imagine worst-case scenarios: What if rates go up? What if I pick the wrong property? What if a market crash comes? What if I end up owning something that drains me instead of profits me?
But when you clarify your goals, map out your plan, and understand the steps from “search and buy” through “own and profit”, you remove the mystery. You transform fear into action. You transform confusion into confidence. And that is what we preach here on The Real Estate Show.
Clarity means you know:
A Plan means you have written steps for each phase:
When you combine clarity + plan, you beat the common trap: “I’ll wait until everything is perfect.” Because nothing is perfect. But when you are equipped with clarity and a plan, you act with confidence—and that puts you in the driver’s seat.
Now, let’s ask three current, newsworthy, market-related and thought-provoking real estate investing questions, all tied to today’s theme of Clarity and a Plan is How You Overcome Fear in Real Estate.
Each of those questions ties directly into the concept of clarity and planning: Are you aware of the current conditions? Do you have a plan to act when opportunities present themselves? Or will fear and indecision cause you to miss out?
Today’s show is about: Clarity and a Plan is How You Overcome Fear in Real Estate – 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:
We believe in a 3-pronged approach:
Here are the top trending topics for today’s update:
From the recent article on national mortgage rates: “The average rate for 30-year fixed-rate mortgages dipped to 6.23 % this week…”. According to Bankrate, this marks four weeks in a row of stable rates with small declines. On a $340,000 30-year loan, that translates to about $2,030 in annual savings compared to the national average.
The article also notes: “While mortgage rates have been stable, conflicting economic signals have complicated the longer-term outlook. Hiring has slowed even as inflation holds above the Federal Reserve’s official target of 2 percent.”
And: “Whether you need a mortgage now or plan to get one in the next year or two, it’s crucial to compare offers.”
So those are the big talking points: stable but higher rates relative to a few years back, economic signals mixed, and the imperative to act with clarity if you’re purchasing or refinancing.
Let’s dive into the first article for a 15-minute summary and analysis (in my voice) explaining why it relates to the theme and why this is the reason to own a home now.
Headline: “Refinance demand is 81% higher than it was a year ago, thanks to falling mortgage rates”
Key Points:• The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances (≤ $806,500) decreased last week to 6.37% from 6.42%.• ARM applications increased 16% over the week, pushing the ARM share to 11%.• Applications for a mortgage to purchase a home dropped 5% for the week.
Okay—let’s break that down:
So the rate drop: from 6.42% to 6.37%—a modest move, but it signals movement. If you’re looking to refinance, that matters. But note: purchase applications dropped 5% for the week—so while rates are down slightly, behavior is still cautious.
The increase in ARM (adjustable-rate mortgage) applications by 16% to 11% share signals that people are looking for alternate routes—they’re probing, shopping, seeking something different to make the numbers work.
Now why does this tie into Clarity and a Plan and reinforce the case for owning a home now? Because when rates dip—even slightly—you don’t want to be frozen. If you have clarity (you know your goals) and a plan (you know your financing strategy and purchase timeline), you can act. You won’t be caught waiting for some magic rate or perfect moment. Because often, that perfect moment passes you by.
And you want to own now because the window is open, not always huge, but open. You see the refinance demand spiking—it shows owners are taking advantage. If you’re competing for properties, the lower rate environment helps enable your ownership plan.
From an investor perspective, owning a home—or rental property—secures the fixed cost of housing, versus being on the lease-side paying someone else’s mortgage. When you own, you’re no longer at the mercy of rising rent or someone else’s decision. You have control.
And with clarity and planning you understand that today’s rate is part of the plan. You get pre-qualified, you lock in your property search, you get your team in place, you know your numbers. That way the rate drop becomes the accelerating force for your plan, not just a number you watch and worry about.
So bottom line: this article shows the environment is shifting. You don’t need a massive drop to move; you just need to be ready. And being ready—having clarity and a plan—is what separates those who act from those who second-guess forever.
And that is exactly the reason to own a home now: you exercise the option while the environment supports it and you shift from being “on real estate” (paying rent) to “in real estate” (owning, building equity, capturing tax benefits, appreciation).
You can still check it and more out at AutomaticLandlord.com.
Next Article:
Headline: “Investors are making up the highest share of homebuyers in 5 years”
Key Points:• Real estate investors, both individual and institutional, bought one-third of all single-family residential properties sold in the second quarter of 2025.• That is an increase from 27% in the first quarter, and the highest percentage in the last five years, according to a report from CJ?Patrick?Co., using numbers from BatchData.• Institutional investors are selling more homes than they buy and have been for six consecutive quarters.
Now in my voice: Real estate investors, both individual and institutional, bought one-third of all single-family residential properties sold in the second quarter of 2025. That is an increase from 27% in the first quarter, and the highest percentage in the last five years, according to a report from CJ Patrick Co., using numbers from BatchData. Investors accounted for 25.7% of residential home sales in 2024.
While the share of sales is higher, the raw numbers are lower. Investors in the second quarter of this year bought 16,000 fewer homes than a year ago, but overall home sales were much weaker this year than last year. That accounts for the gain in the investor share. Investors continue to own about 20% of the 86 million single-family homes in the country.
“While investors purchased more homes than they sold in the second quarter, they did sell over 104,000 homes, with 45% of those sales going to traditional homebuyers,” said Ivo Draginov, co-founder and chief innovation officer at BatchData. “So in addition to the important role investors continue to play providing necessary liquidity to a weak home sales market, they’re also bringing much-needed inventory – both rental properties, and homes for owner-occupants – to the market.”
While large institutional investors continue to get most of the headlines in the single-family rental space, small investors account for more than 90% of the market. These are individuals owning 10 properties or less. The largest investors, those with 1,000 or more properties, make up just 2% of all investor-owned homes.
Unlike individuals, institutional investors are now selling more homes than they buy and have been for six consecutive quarters. The nation’s largest landlords, such as Invitation?Homes, Progress?Residential, American?Homes?4?Rent and FirstKey?Homes all sold more homes in the third quarter of this year than they purchased, according to an analysis from Parcl?Labs.
“They’re not exiting the space, just diverting capital into build-to-rent communities. But this shift means less competition for small investors and traditional homebuyers, while also adding more rental supply, which is needed in today’s market where younger adults often opt to rent since they can’t afford to buy a home,” said Rick Sharga, founder and CEO of CJ Patrick Co.
Looking regionally, Texas, California and Florida have the highest number of investor-owned homes. This is largely because they are also the most populous states. The states with the highest percentage of investor-owned homes are Hawaii, Alaska, Montana and Maine. These are also heavy tourism states.
Investors have always focused on lower-priced homes because those can offer the best profits in resale years later. In the second quarter of this year, investors paid an average of $455,481 per home — well below the national average price of $512,800, according to the CJ Patrick report. It was, however, the highest average investor price in the past six quarters, since home prices overall continue to climb. Investor homes are typically either smaller or in less expensive housing markets. Large investors bought even cheaper homes than the overall pool, with their average purchase price at $279,889. Their average sale price was $334,787. Institutional investors are concentrated most in the Midwest and South, where prices are below the national average.
Why this relates to today’s theme and why this is the reason to own a home now: Because seeing investors actively participating in the market sends a strong signal. These are smart players. They’re not paralyzed by fear—they have clarity and a plan. They’re buying properties, deploying capital, knowing their returns, owning for cash flow or appreciation. You may say, “Eric, that seems intimidating—us regular people versus big investors.” But here’s the key: the same rules apply for you. You can get clear about what you’re doing, you can make your plan, and you can act—because there’s room for homebuyers, not just investors.
When you own a home, you flip the scenario: you are the owner, not the rent-payer. And when investors are buying, it often means landlords are locking in properties, which can lead to more rental supply (which can moderate rent growth) and therefore better positioning for you as a homeowner or a small investor to step in.
So, the takeaway: Don’t wait for “no competition” or “perfect timing”. Instead, get your clarity, build your plan, and move while you can. Because ownership brings long-term advantages: tax benefits, appreciation, forced savings (via mortgage amortization), and long-term stability.
COMMERCIAL BREAK
Stay tuned, folks — we’ll be right back on The Real Estate Show with your Midweek Mortgage & Market Report.[Text the word “EDGE” to 561-861-2366 to join our Wednesday Financial Edge Academy and give your real estate plan the power it deserves.]We’ll dive deeper on strategies and more in just a moment.
(Second half of the show)
Welcome back to The Real Estate Show! If you’re just tuning in, we’re talking Wednesday Midweek Mortgage & Market Report, and focusing on how Clarity and a Plan is how you overcome fear in real estate.
Let’s continue to explore how the market conditions, the mortgage trends, and the investor activity tie into your journey toward owning and investing in real estate.
One of the big themes we talk about: If you’re waiting for everything to line up perfectly, you could be missing the boat. The market rarely gives you perfection—you give yourself the clarity and build your plan so you can step in when conditions are favorable.
For example, the mortgage rate environment we referenced: rates are hovering in the mid-6% range for 30-year fixed mortgages. According to the data from Freddie Mac and TradingEconomics, the average 30-year fixed rate has been around 6.27% as of October 16, 2025. Rates eased slightly from prior weeks. That means a qualified buyer today could lock in at or near that level, and if rates continue to drop—or if inflation moderates—that structure could pay off.
Also, as other analysis points out, there is hope for further rate declines, but it's not guaranteed. So you don’t want to wait for maybe 5% or 4% because you may watch while home prices rise, competition increases, rates might go up, etc. The plan is: get pre-qualified, have a target price range, have your property criteria set, and be ready to act.
Another piece: inventory and local market dynamics. We’re seeing that in many markets the red-hot frenzy of 2020-21 has cooled, negotiability is improving, the buyer has more options—but you must be ready. Clarity and plan here means you have your financing lined up, you’ve done your homework on neighborhoods, you know your exit strategy, you’re ready to move quickly. Because if you’re not ready, other buyers or investors will leap in.
And speaking of investors, yes—those investor stats I mentioned earlier show that investors are still active. That means two things: first, there is demand for housing (which helps hold up values and rental demand). Second, you want to move from “just dreaming about owning real estate” to making decisions, because the competition may not be gone, but if you’re prepared you’ll be ahead of the ones who wait.
Let me share a practical step-by-step for you to build your clarity + plan framework:
This clear structure transforms fear into action. Because indecision comes from lack of structure or waiting for perfection. You overcome that with clarity and plan.
Now let’s tie in the remaining piece: why you should own a home now. We’ve established the numbers are favorable: relatively stable mid-6% mortgage rates, some easing; rising investor activity showing confidence in the housing asset class; and inventory shifting to give you more potential leverage.
Owning a home right now means you lock in a mortgage payment (for 30 years) and you benefit from equity growth, tax deductions (if applicable), and forced savings via amortization. You’re no longer paying rent which is someone else’s mortgage payment. You’re paying your own mortgage. You’re building wealth.
Compared to renting: Rent may seem flexible today, but long-term rent is subject to market increases. You don’t have tax deductions (in many cases) and you are at the mercy of the landlord. Owning gives you control. And purchasing while your plan is ready means you overcome the fear of “what if I waited and rates drop further” by recognizing that having clarity + plan outweighs the uncertain timing.
Think of it like this: In life, “just wait” is usually the enemy of “just do”. You don’t want to wait for perfection. You want to posture yourself, have your plan, move when conditions permit—and today they do.
Before we wrap up, a reminder: If you’re ready to dig deeper, text EDGE to 561-861-2366 right now and join the Wednesday Financial Edge Academy — get the education, the team, the support for your plan.
Conclusion
Thank you so much for listening to today’s Wednesday Midweek Mortgage & Market Report edition of The Real Estate Show. I’m Eric Willner, your host—the Voice of Real Estate. Remember: this show is a literal seminar in every episode. You’re not just listening—you’re learning, gearing up, acting.
Don’t just tune in—use the show to get started in real estate investing or homeownership. Whether you’re buying your first home, adding a rental property, or scaling your portfolio, clarity and a plan are your keys.
Tune in again tomorrow for our “ATM Edition – About The Money,” where we’ll talk financing strategies, cash flow, investment structures, and how to position money for real estate success.
And please—share this show with others who should own real estate, who need that clarity and a plan to overcome fear and move into action. Because everyone is IN real estate—either owning it or paying someone who does. Make the choice to own.
See you tomorrow. Stay focused. Stay in action. And let’s build real estate success together.
Radio Show Notes 10/21/25 Tuesday:Read a summary of the show below orListen HereWatch Live Facebook Video Here
Overcome Fear and Invest Smart: 9 Action Steps to Build Confidence and Cash Flow Through Real Estate
Welcome to The Real Estate Show – South Florida’s #1 Real Estate Radio Show and America’s longest-running daily radio show about real estate!My name is Eric Willner, known as The Voice of Real Estate, founder of America’s longest-running daily radio show about real estate and creator of The Automatic Landlord System – for owning cash-flowing real estate profitably and hassle-free.It’s a virtual real-estate seminar in every episode. And Today I am going to give you 9 ACTION STEPS you can take starting today!
“Did You Know?” Questions
Did you know that fewer than 35% of Americans have a written financial plan, yet those who do are 10 times more likely to achieve financial independence?
>> That’s a guaranteed LACK of clarity! And a PLAN!
Did you know that renters, on average, lose $250,000 in net worth every decade compared to homeowners due to missed equity growth and tax advantages?
Did you know that fear, not money or credit, stops over 60% of potential homebuyers from ever starting the process?
>> Again, no clarity, no place to start!
These are just a few of the alarming truths about today’s market. It’s critical to understand the challenges so you can plan accordingly.Because fear thrives in uncertainty—but clarity and a plan are how you overcome fear in real estate.
Everyone Is in Real Estate
Everyone is in real estate.Either you’re IN real estate – because you own it, negotiated it, and enjoy its tax benefits and appreciation –or you’re ON real estate – paying rent directly or indirectly to someone who does.
And today’s goal is to help you move from being on real estate to in real estate.
Theme of the Day
Today’s theme: “Clarity and a Plan is How You Overcome Fear in Real Estate.”Because when you have a plan and you follow it, you can turn that fear into a financial strategy.
Remember our mission: to transform lives through affordable housing – to empower, educate, and enable families to achieve the American Dream of home ownership.
The 3 Types of Income
1?? Direct or Active Income – money you earn from your time and effort.2?? Indirect or Semi-Active Income – side hustles, commissions, or business profits.3?? Passive or Residual Income – what real estate gives you: rent, cash flow, and appreciation that grow even when you sleep.
We all start with active income, but our goal is to build passive income so we can retire early, live better, and work only by choice.
Tuesday Tools & Techniques – Action Steps
Yesterday we outlined 10 reasons clarity beats fear in real estate.Today we turn those into actionable steps.
1?? Assess Your Current Financial Position
Start with a simple inventory: income, expenses, assets, and debts.You can’t fix what you don’t face.Your clarity starts with your personal financial statement – it’s the map of where you are and the foundation of where you’re going.
2?? Fix Your Credit
A strong credit profile is your passport to real estate wealth.Better credit means lower rates and more opportunities. Today’s Show is brought to you by TimeToFixMyCredit.com – our partner in bringing you home ownership and financial freedom. Text CREDIT to 561-861-2366 to start improving your score today.
3?? Create a Written Investment Plan
A goal that isn’t written is a wish.Set SMART goals – Specific, Measurable, Achievable, Realistic, and Time-bound.For example: “I will buy a 2-4 unit property within 6 months that generates $400 per month in positive cash flow.”
4?? Define Your Strategy
Will you be a Buy & Hold investor? A Flipper? A Landlord?Your strategy defines your tools.If you don’t know which fits you best, join our Tuesday night workshops where we teach the “Path to Home Ownership.” Text PATH to 561-861-2366 to register.
5?? Build Your Dream Team
You can’t do this alone.You need a team of real-estate agents, lenders, mentors, inspectors, and property managers.A clear plan helps you attract the right people – because you know what you need and where you’re headed.
6?? Secure Financing and Know Your Numbers
Understand your borrowing power and your budget.Use mortgage calculators to see how interest rates affect your cash flow. Have questions about home loans? Text LOAN to 561-861-2366 and we’ll answer them on a future show.
7?? Automate Your Money and Your Systems
Automation is a fear-killer.Set up auto-savings, auto-investments, and automatic rent collection.Our Automatic Landlord System lets your properties run profitably and hassle-free while you focus on growth.
8?? Leverage Technology
Use tools like deal-analyzers, Zillow alerts, and Google Sheets to track your portfolio.Apps like Rentometer and BiggerPockets help you benchmark and network with other investors.
9?? Take Educated Action
All the clarity in the world means nothing without execution.Analysis without action is just another form of fear.Start with one property, one step, one plan – and let your results build your confidence.
Quarter-Way Call to Action
“You can turn debt into wealth through real estate.”Start by texting CREDIT to 561-861-2366 and discover how to change your financial future today.
Mid-Show Energy Reset / Sponsor Break
You’re listening to The Real Estate Show – South Florida’s #1 Real Estate Radio Show!I’m Eric Willner, your host and guide to building wealth through real estate. Today’s Show is brought to you by TimeToFixMyCredit.com – where better credit means better opportunities.And remember – this week’s theme: Clarity and a Plan is How You Overcome Fear in Real Estate.
Practical Tools to Achieve Your Real Estate Goals
1?? Expert Guidance – Learn from experienced investors who teach you real-world strategies that work in today’s market.2?? Free Workshops – Every Tuesday night join our Path to Home Ownership Program online for actionable steps toward your first or next home.3?? Financial Calculators – These tools help you analyze deals, estimate returns, and understand true cost vs. profit.4?? A Written Financial Plan – Your map to retirement and freedom. Clarity comes from writing it down and checking it often.
Your retirement future begins now – and it’s up to you to take control.
“If not now, when? If not this, what? If not you, who?”
Three-Quarter Break and Call to Action
“Today’s Show is brought to you by TimeToFixMyCredit.com.” Text CREDIT to 561-861-2366 to fix your credit and gain your Financial Edge.
Summary – 5 Key Takeaways
1?? Fear is not a financial problem – it’s a clarity problem.2?? A written plan turns uncertainty into strategy.3?? Automation and education turn real estate into a predictable wealth system.4?? Workshops and mentorship turn fear into focus.5?? Take the first step – action builds confidence.
Conclusion and Tomorrow’s Preview
That wraps up today’s Tuesday Tools, Tips & Techniques edition of The Real Estate Show.We’ve turned theory into tools you can use today to create clarity and build confidence in real estate.
Tomorrow, we’ll zoom out for the Wednesday Midweek Mortgage & Market Report — where we break down the latest mortgage rates, market trends, and economic signals that affect your investments.
Remember: don’t just listen – act!Text EDGE to 561-861-2366 to join our Financial Edge Community and take the next step toward your Financial Freedom.
Thanks for tuning in to The Real Estate Show – a seminar in every episode.Visit www.AutomaticLandlord.com for transcripts and on-demand replays.And watch us LIVE at Facebook.com/TheRealEstateShow – because likes keep us going, but shares keep us growing!
Radio Show Notes 10/20/25 Monday:Read a summary of the show below orListen HereWatch Live Facebook Video Here