Calling All Real Estate Investors

Self Employed Income Calculation Crash Course

Tue, 12 Mar 2024 11:00:00 -0700

The first episode of "Now You Know" with Caeli Ridge is here !
Caeli is going to walk you through calculating your income for mortgage loans as a self-employed person and what this means when applying for a mortgage loan.

For more education and access to live events join our Community here !
https://community.ridgelendinggroup.com/events/live-with-caeli

As always, give Ridge Lending Group a call if you have any questions at
855-747-4343 or email us at info@RidgeLendingGroup.com

Copyright ©2024 Geneva Financial, LLC, DBA Ridge Lending Group

NMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights Reserved

Remote Real Estate Investing: Pros, Cons & Tips

Tue, 20 Feb 2024 15:00:00 -0800

Caeli Ridge recorded this episode on 2/20/2024

Remote Real Estate Investing : Pros, Cons & Tips

Caeli details the Pros, Cons and Tips to Master Remote Real Estate Investing including diversifying portfolios, thorough research, build reliable local teams, embracing technology, finding reliable property managing partnerships and other topics!

https://www.narpm.org/

Check out the video with the screen share and the documentation in the Community and our YouTube Channel.
https://www.youtube.com/c/RidgeLendingGroup

You can join these live by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli

As always, give Ridge Lending Group a call if you have any questions at
855-747-4343 or email us at info@RidgeLendingGroup.com

Copyright ©2024 Geneva Financial, LLC, DBA Ridge Lending Group

NMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights Reserved

When is the Right Time to Refi? Let’s do the Math!

Tue, 06 Feb 2024 15:00:00 -0800

Caeli Ridge recorded this episode on 2/6/2024

When is the Right Time to Refi? Let’s do the Math!

In today's call Caeli discussed the things you should be looking at when you are deciding whether or not to refinance your property. She outlines the checklist that she would recommend you doing before making your decision, to cover all of your bases and make sure that the math is adding up to be the shortest amount of time to recapture your costs in the process.

Check out the video with the screen share and the documentation in the Community and our YouTube Channel.
https://www.youtube.com/c/RidgeLendingGroup

You can join these live by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli

As always, give Ridge Lending Group a call if you have any questions at
855-747-4343 or email us at info@RidgeLendingGroup.com

Copyright ©2024 Geneva Financial, LLC, DBA Ridge Lending Group

NMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights Reserved

Guest Speaker Sam Parker with My Credit Guy

Tue, 23 Jan 2024 16:00:00 -0800

Caeli Ridge recorded this episode on 1/23/2024

Guest Speaker Sam Parker with My Credit Guy

Sam Parker of My Credit Guy joins the podcast today to talk about credit, credit repair, the percentages of the different points that make up your credit score, and some really interesting tips and tricks of the trade for building your credit and maintaining a high credit score while investing in real estate.

Sam & Caeli have some great Q&A where Sam details a few things you can do to improve your credit score, and how his company can help you in achieving better credit scores by following their personalized guides.

Sam also shared with us his website where he partners with Experian, creditsitter.com

You can find Sam at mycreditguy.com or www.team-parker.com

Check out the video with the screen share and the documentation in the Community and our YouTube Channel.
https://www.youtube.com/c/RidgeLendingGroup

You can join these live by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli

As always, give Ridge Lending Group a call if you have any questions at
855-747-4343 or email us at info@RidgeLendingGroup.com

Copyright ©2024 Geneva Financial, LLC, DBA Ridge Lending Group

NMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights Reserved

Creative Financing Strategies for Non-Owner Occupied Portfolios

Tue, 02 Jan 2024 16:00:00 -0800

Caeli Ridge recorded this episode on 1/2/2024

Creative Financing Strategies for Non-Owner Occupied Portfolios

Caeli Ridge discusses some really creative options that Ridge Lending Group can offer as it relates to purchases and refinances. Ever wondered about some alternative ways to get funding for your next home or investment property? Tune it to hear about all that Ridge Lending Group offers!

Check out the video with the screen share and the documentation in the Community and our YouTube Channel.
https://www.youtube.com/c/RidgeLendingGroup

You can join these live by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli

As always, give Ridge Lending Group a call if you have any questions at
855-747-4343 or email us at info@RidgeLendingGroup.com

Risk Management: Understanding Through a Lenders Perspective

Thu, 21 Dec 2023 11:00:00 -0800

Caeli Ridge recorded this episode on 12/26/2023

Risk Management: Understanding Through a Lenders Perspective

Caeli Ridge will go through the understanding of risk management as it pertains to the lender, so that investors can have a better understanding of what is going on behind the scenes when it comes to investing in real estate. She will round out the episode by discussing the state of the market and what can be expected in the new year, 2024!

Check out the video with the screen share and the documentation in the Community and our YouTube Channel.
https://www.youtube.com/c/RidgeLendingGroup

You can join these live by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli

As always, give Ridge Lending Group a call if you have any questions at
855-747-4343 or email us at info@RidgeLendingGroup.com

Staying Consistent Long After the New Years Resolutions are Forgotten

Tue, 12 Dec 2023 16:00:00 -0800

Caeli Ridge recorded this episode on 12/12/2023

Guest Speaker Brent Widman from Southwestern Consulting joins today as our guest speaker. Caeli and Brent have a great Q&A on what it means to stay consistent in life and discuss the power of writing your goals down in order to achieve them. They discuss many personal insights on what it means to be successful, and what drives us all!

You can contact Brent Widman at bwidman@southwesternconsulting,com or call or text him at 507-382-7641. He offers a 30 minute business action plan so please check him out to help you reach your goals!

Check out the video with the screen share and the documentation in the Community and our YouTube Channel.
https://www.youtube.com/c/RidgeLendingGroup

You can join these live by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli

As always, give Ridge Lending Group a call if you have any questions at
855-747-4343 or email us at info@RidgeLendingGroup.com

How to Confirm Property Taxes via County Tax Assessor

Tue, 28 Nov 2023 15:00:00 -0800

Caeli Ridge recorded this episode on 11/28/2023

Have you ever been hit with a property tax bill that far exceeded your expectations? You've come to the right place ! Caeli breaks down property tax definitions for us as well as showing us how you can know exactly what you'll be paying in property taxes based on the county in which your property resides.

We dive into a Q & A after this explanation as well as some news, updates and expectations for rates and other real estate investment pieces.

Check out the video with the screen share and the documentation in the Community and our YouTube Channel.

https://www.youtube.com/c/RidgeLendingGroup

You can join these live by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli

As always, give Ridge Lending Group a call if you have any questions at
855-747-4343 or email us at info@RidgeLendingGroup.com

Guest Speaker Alex Hines- How to Turn $40K into a $160K Investment Property & Get Passive Income !

Mon, 06 Nov 2023 10:00:00 -0800

Guest Speaker Alex Hines

Caeli Ridge pre-recorded this episode on 11/3/2023

Caeli and Guest Speaker ( & Ridge Lending Group Borrower) Alex Hines discuss how he has been so successful in real estate investing in just the few years he has been doing it.

They go into detail about his properties and how he has been able to fix and flip while still turning a great passive income on his properties.

Check out the video with the screen share and the documentation in the Community and our YouTube Channel.

https://www.youtube.com/c/RidgeLendingGroup

You can join these calls live by clicking on this registration link.

As always, give Ridge Lending Group a call if you have any questions at
855-747-4343 or email us at info@RidgeLendingGroup.com

How to Prepare for Year-End-Investor Push for Tax Write-Offs

Wed, 18 Oct 2023 14:00:00 -0700

Edit Delete

How to Prepare for Year-End-Investor Push for Tax Write-Offs

Description

Caeli Ridge pre-recorded this episode on 10/17/2023

Caeli dives into how to prepare for the year-end closings and investor pushes for tax write-offs.

98% of our industry is only focused on non-owner-occupied transactions.

For non-owner-occupied transactions, the end of the year is the slowest but for investors, it is the busiest time of year because everyone is cramming to get year-end tax credits.

Closing transactions earlier is key but starting now is not too late. Make sure you have all the necessary documents ready and available.

Check out the video with the screen share and the documentation in the Community and our YouTube Channel.

https://www.youtube.com/c/RidgeLendingGroup

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at
855-747-4343 or email us at info@RidgeLendingGroup.com

New Product Alert! Cross Collateralization Line of Credit for Investment Properties

Tue, 03 Oct 2023 08:00:00 -0700

Caeli Ridge pre-recorded this episode on 10/3/2023

Caeli introduces a new product Ridge Lending Group has - Cross Collateralization Line of Credit for Investment Properties!

Individual or Multi-Unit Properties, Residential or Commercial Housing up to 24 units.
Starts as minimum line amount of 1 million, and goes all the way to 25 million.

80% LTV, 18-24 month terms, Purchase or Refinance with fixed or floating rate options.
Foreign Nationals are eligible for this product. Or in any state other than NY or ND.
Interest Rate based off of SOFR (Secured Overnight Funds Rate) + 5.25
Time to Close- 20 days on Average. Pre-Payment Penalty = 0

Recourse and Non-Recourse Options Available. Anything over 3 Million will automatically be Recourse.

Check out the video with the screen share and the documentation in the Community and our YouTube Channel.

https://www.youtube.com/c/RidgeLendingGroup

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at
855-747-4343 or email us at info@RidgeLendingGroup.com

Guest Speaker Daniel Paloscio with SEP Capital

Tue, 19 Sep 2023 15:00:00 -0700

Caeli Ridge recorded this episode on 9/19/2023

Guest Speaker Daniel Paloscio

This week’s guest speaker is Daniel Paloscio from SEP Capital. He is a seasoned private lender with more than a decade of experience in residential real estate. His track record includes over 600 loans successfully closed since 2013. This extensive experience in the industry has honed his ability to attract and underwrite high-quality, low-risk private mortgages, ultimately leading him to start SEP Capital.

Caeli and Daniel have a Q& A session detailing some of the biggest questions about SEP capital, how it works, what you need to do to become an investor, and lots more!

You can contact Daniel Paloscio at daniel@sepcapital.com or visit sepcapital.com

Check out the video with the screen share and the documentation in the Community and our YouTube Channel.

https://www.youtube.com/c/RidgeLendingGroup

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at
855-747-4343 or email us at info@RidgeLendingGroup.com

uDirect IRA Services with Kaaren Hall

Wed, 06 Sep 2023 08:00:00 -0700

Caeli Ridge recorded this episode on 9/5/2023

uDirect IRA Services with Special Guest Speaker Kaaren Hall

Kaaren Hall founded and made a resounding success of uDirect IRA Services. She discovered a strategic way to put her 20+ year experience in mortgage banking, real estate and property management to use. The solution was an untapped market for both her skills and for Investors- self-directed IRAs. Through uDirect, she has guided tens of thousands of Americans through the process of diversifying their investments using self-directed IRAs with $1B+ Under Management.

In this recording, Real Estate Investors will learn how to use their retirement savings to invest in real estate and how to use the retirements savings of others for your real estate projects.

Check out her services at udirectira.com or email info@udirectira.com

Check out the video with the screen share and the documentation in the Community and our YouTube Channel.

https://www.youtube.com/c/RidgeLendingGroup

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at
855-747-4343 or email us at info@RidgeLendingGroup.com

The Income Snowball with Special Guest Tanisha Souza

Tue, 29 Aug 2023 16:00:00 -0700

Caeli Ridge recorded this episode on 8/29/2023

The Income Snowball with Tanisha Souza from Tardus Wealth Strategies

Tanisha presents her Income Snowball method of acquiring rental properties and how to build a real estate portfolio fast in any market.

She details how Tardus and their patented calculator can help you in achieving financial freedom. Her presentation goes into detail on how to buy rentals without using savings ( Not the BRRR Method), how to acquire multiple assets with the same dollars, build a rental portfolio fast, creative massive monthly cash flow reserves and how to always be prepared for Real Estate buying opportunities.

Check out the video with the screen share and the documentation in the Community and our YouTube Channel.

https://www.youtube.com/c/RidgeLendingGroup

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at
855-747-4343 or email us at info@RidgeLendingGroup.com

Amortized vs. Interest Only Loans

Tue, 15 Aug 2023 15:00:00 -0700

Caeli Ridge recorded this episode on 8/15/2023

Amortized vs. Interest Only Loans

This week Caeli will be going into detail about Amortized (Close Ended) vs. Interest Only (Open Ended) Loans. She will highlight the differences and when you should be looking at either one as an option for your next loan transaction depending on your scenario.

Check out the video version on our YouTube page to see the Loan Amortization Schedule she is using and follow along. https://youtu.be/ezHbjDy5iDo

Q&A throughout the episode on these topics and more!

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at
855-747-4343 or email us at info@RidgeLendingGroup.com

DSCR vs. Conventional Loans & How to Compare Percentages of LTV's.

Tue, 01 Aug 2023 15:00:00 -0700

Caeli Ridge recorded this episode on 8/1/2023

DSCR vs. Conventional Loans & How to Compare Percentages of LTV's.

Tune in to this week's Calling All Real Estate Investors live event with Caeli to learn the differences between a DSCR (Debt Service Coverage Ratio) Loan and a Conventional Loan.

Caeli will also review how to do the math when comparing LTVs (Loan to Value) per transaction. When should you pocket the extra down payment vs. when you should put more down.

Q&A throughout the episode on these topics and more!

Check out the video with the screen share and the documentation in the Community.

Recourse Vs. Non-Recourse Loans & a Surprise!

Tue, 25 Jul 2023 15:00:00 -0700

Caeli Ridge recorded this episode on 7/25/2023

Recourse vs. Non-Recourse Loans

Caeli provides an overview of what recourse and non-recourse loans are and in what situations you would choose one over the other. She details that the difference in rates and terms between the two options is significant, and that she does not see a place for non-recourse loan options in most cases as it pertains to real estate investors purchasing 1-4 unit residences.

Caeli's surprise is an exciting new loan option for Ridge Lending Group that Caeli has been working tirelessly to secure for our borrowers.

Q&A throughout the episode on these topics and more!

Check out the video with the screen share and the documentation in the Community.

Short Term Rental Tips and Tricks

Tue, 18 Jul 2023 15:00:00 -0700

Caeli Ridge recorded this episode on 7/18/2023

Short Term Rental Tips and Tricks

Curveball! This week Caeli does a brief overview of what an amortized loan is vs. an interest only loan, with a short pro & con list of each. She will come back next week with a deeper dive and some great visual aids.

Caeli discusses the topic for our July Newsletter which is what you can do to set your short term rental vacation home apart from others this summer season.
Check out the newsletter on our website.

https://ridgelendinggroup.com/july-2023-summer-cash-flow-tips-tricks-monthly-newsletter/

Check out the video with the screen share and the documentation in the Community.

To Pay or Not to Pay Points, That is the Question

Tue, 11 Jul 2023 15:00:00 -0700

Caeli Ridge recorded this episode on 7/11/2023

To Pay or Not to Pay Points, That is the Question.
And it might be a trick question...

During this episode Caeli details how to figure out what your interest rate will be.. the old school way. By using a chart and, say it with me "Doing the Math" :)

This breakdown explains why interest rates end of being what they are and everything that goes into their pricing.

Caeli explains Ridge Lending Group's points and why you may or may not have to pay points in any given transaction and the why behind it.

We have lots of great questions this week that are interspersed through the event.

Check out the video with the screen share and the documentation in the Community.

Top 10 Things TO DO During a Loan Transaction

Tue, 27 Jun 2023 15:00:00 -0700

Caeli Ridge recorded this episode on 6/27/2023

Caeli details Ridge Lending Group's list of the Top 10 Things TO DO during a loan transaction. Some of this list may resonate easily with you, while with others you may have never thought of their importance. Tune in to hear Caeli's insight and expertise on the list.

A spirited Q & A from our members during the live event following the list !

Check out the list on our website here !
https://ridgelendinggroup.com/top-10-things-to-do-during-a-loan-transaction/

Check out the video with the screen share and the documentation in the Community.

Top 10 Things TO NOT DO During a Loan Transaction

Tue, 20 Jun 2023 15:00:00 -0700

Caeli Ridge recorded this episode on 6/20/2023

Caeli details Ridge Lending Group's list of the Top 10 Things TO NOT DO during a loan transaction. This list shows some easy mistakes that can be made to delay or even make you unqualified during the loan transaction. Some may be obvious to you, while others you may have never thought of. All are important. Communication with your loan team is key throughout the process. Tune in to hear Caeli's insight and expertise on the list.

Check out the list on our website here ! https://ridgelendinggroup.com/top-10-things-not-to-do-during-a-loan-transaction/

Check out the video with the screen share and the documentation in the Community.

Cash Out Refi Rules- Pop Quiz!

Tue, 13 Jun 2023 15:00:00 -0700

Caeli Ridge recorded this episode on 6/13/2023

During this episode, Caeli Ridge discusses Cash Out Refi Rules and has a lively Q&A with participants who are vying for a prize! Pop Quiz style, Caeli Ridge talks BRRR, and Cash Out Refi Scenarios.

Check out the video with the screen share and the documentation in the Community.

Different Credit Requirements for Investor Loans

Tue, 06 Jun 2023 08:00:00 -0700

Caeli Ridge recorded this episode on 6/6/2023

During this episode, Caeli Ridge discusses the score qualifications per loan product, the minimum tradelines required, the minimum length of credit and the credit score optimization review.

Check out the video with the screen share and the documentation in the Community.

Guest Speaker John Dingeman: Expert Appraisal Discussion

Tue, 16 May 2023 15:00:00 -0700

Caeli Ridge hosted this episode on 5/16/2023

Guest Speaker John Dingeman with Class Valuation Appraisers was on the show today discussing with Caeli and the community his expert knowledge of appraising property, and how to overall understand an appraisal as it relates to investment type properties.

John ran us through some scenarios and showed us how to read and interpret the 1004. Open Discussion and Q&A to follow with John and Caeli.

Check out the video with the screen share and the documentation in the Community.

Part #2- Certified Power Buyer Calls

Mon, 08 May 2023 12:00:00 -0700

Caeli Ridge recorded this episode on 5/9/2023

This episode outlines and sets the expectations for the third and fourth video calls within the Certified Power Buyer (CPB) program hosted by Caeli Ridge, available at Ridge Lending Group.

These are free educational calls for real estate investors looking for information and guidance from Caeli Ridge. They are not objective in nature, but are subjective to you and your specific goals and qualifications.

This episode will cover Debt to Income Ratio (DTI), (Video Call #3) and LLC's
and Overall Strategy & Planning (Video Call #4).

Check out the video with the screen share and the documentation in the Community.

Part #1- Certified Power Buyer Calls

Mon, 01 May 2023 10:00:00 -0700

Caeli Ridge recorded this episode on 5/2/2023

This episode outlines and sets the expectations for the first two video calls within the Certified Power Buyer (CPB) program hosted by Caeli Ridge, available at Ridge Lending Group at no cost.

These are free educational video calls for real estate investors looking for information and guidance from Caeli Ridge. They are not objective in nature, but are subjective to you and your specific goals and qualifications.

This episode will cover Goals (Video Call #1) and Credit & Assets (Video Call #2).

Next week's episode will cover the next two video calls within the CPB video call series.

Check out the video with the screen share and the documentation in the Community.

Part 2 : Important Property Review Mistakes and How to Avoid Them

Tue, 25 Apr 2023 15:00:00 -0700

Caeli Ridge hosted this episode on 4/25/2023

Last week we went over some property review mistakes and there was so much to talk about that we are going into part 2 for this episode!

Caeli Ridge will finish explaining which mistakes you can avoid, and how to avoid them. Open Discussion and Q&A to follow.

Check out the video with the screen share and the documentation in the Community.

Important Property Review Mistakes and How to Avoid Them

Tue, 18 Apr 2023 15:00:00 -0700

Caeli Ridge hosted this episode on 4/18/2023

Learn about important property review mistakes and how to avoid them.

Caeli Ridge explains what to know when dealing with property review, with an open discussion and Q&A.

Open conversations about this topic and more...

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

We Need Your Investor Investment Profile

Tue, 11 Apr 2023 16:00:00 -0700

Caeli Ridge hosted this episode on 4/11/2023

Caeli Ridge will be going through and showing you how to use and fill out Ridge Lending Groups new 'Investor Investment Profile'.

You will learn how Ridge Lending Group uses this information to help you find opportunities for your real estate investment ventures.

Open conversations about this topic and more...

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

No Doc Loans are Back (April Fools) but Let's Discuss our Creative Loan Programs

Tue, 04 Apr 2023 15:00:00 -0700

Caeli Ridge hosted this episode on 4/4/2023

On this podcast episode, Caeli Ridge will be going over all of the creative ways you can borrow money with Ridge Lending Group!

This includes Conventional, Debt Service Coverage Ratio Loans, Bank Statement Programs, Asset Depletion Programs, All-in-One HELOC (Primary Home, Second Home, Investment Home), Cross-Collateral Loan Programs and Non Recourse options.

Open conversations about this topic and more...

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Why Diversification in Your Real Estate Portfolio Matters

Tue, 28 Mar 2023 15:00:00 -0700

Caeli Ridge hosted this episode on 3/28/2023

In this episodes discussion, Caeli Ridge is going to explain why diversification in your real estate portfolio matters and what you can do about it.

Open conversations about this topic and more...

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

What is the Biggest Fear Holding You Back From Investing in Real Estate Right Now?

Tue, 21 Mar 2023 15:00:00 -0700

Caeli Ridge hosted this episode on 3/21/2023

What is the biggest fear holding you back from investing in Real Estate right now?

This episode holds an open mic discussion with members of the Ridge Lending Group Community as they talk about their fears and concerns regarding investing in real estate- followed up by Caeli Ridge's advice for them.

Caeli will also be reading the available notes from the Federal Reserve Meeting.

Open conversations about this topic and more...

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

What Will Jerome Powell (Fed Chair) Tell Us on March 21st?

Tue, 14 Mar 2023 15:00:00 -0700

Caeli Ridge hosted this episode on 3/14/2023

The Feds are meeting again at the end of March. What does this mean for interest rates immediately and for the rest of 2023? Caeli will give her predictions, with no guarantee that her crystal ball holds all the answers.

Open conversations about this topic and more...

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

The Importance of Credit. The Myths and the Realities.

Tue, 07 Mar 2023 16:00:00 -0800

Caeli Ridge hosted this episode on 3/7/2023

You need to know what is a myth and what is a reality when it comes to your credit. Listen to find out from Caeli how to know what is fact from fiction.

Open conversations about this topic and more...

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Hacks and Important Tips for Cash-Out Refi's

Tue, 28 Feb 2023 15:00:00 -0800

Caeli Ridge hosted this episode on 2/28/2023

Here is what she covered at this event:

Cash Out Refi Hack
New Seasoning Restrictions
Avoiding a 12 Month Seasoning Period

Open conversations about these topics and more...

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Preparing to Become a Landlord

Tue, 21 Feb 2023 14:00:00 -0800

Caeli Ridge hosted this episode on 2/21/2023

Here is what she covered at this event:

Accounting and Tax Considerations
Legal Considerations
Daily and Monthly Activities you will want to perform
A Qualified Team of Professionals to help you

Open conversations about these topics and more...

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Getting Ready for the Spring Market as a Real Estate Investor

Tue, 14 Feb 2023 16:00:00 -0800

Caeli Ridge hosted this episode on 2/14/2023

Here is what she covered at this event:

When do you really need a Pre-Approval letter?
When should you let a lender run your credit report?
Why add your phone number to the National Do Not Call Registry?
When do you need to get "Serious" about finding a property to buy?
How do interest rates matter in your decision?

Open conversations about these topics and more...

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Copyright ©2023 Geneva Financial, LLC, DBA Ridge Lending Group

Reviewing the All-in-One - Part 3

Mon, 13 Feb 2023 09:00:00 -0800

Caeli Ridge hosted this episode on 2/7/2023

Here is what she in this part of the event:

Review of the results and what they mean
Answering questions from the live group throughout the event

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Copyright ©2023 Geneva Financial, LLC, DBA Ridge Lending Group

Reviewing the All-in-One - Part 2

Mon, 13 Feb 2023 09:00:00 -0800

Caeli Ridge hosted this episode on 2/7/2023

Here is what she covered in this part of the meeting:

Entering in data to compare the All-in-One loan against a 3.5% 30-year fixed rate mortgage

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Copyright ©2023 Geneva Financial, LLC, DBA Ridge Lending Group

Reviewing the All-in-One - Part 1

Mon, 13 Feb 2023 09:00:00 -0800

Caeli Ridge hosted this episode on 2/7/2023

Here is what she covered in this part of the meeting:

A brief reminder to focus on what the All-in-One is first position HELOC is all about

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Copyright ©2023 Geneva Financial, LLC, DBA Ridge Lending Group

Reviewing the All-in-One and Running the Simulator to Show the Savings against a 3.5% 30-year Fixed Rate Mortgage

Tue, 07 Feb 2023 15:00:00 -0800

Caeli Ridge hosted this episode on 2/7/2023

Here is what she covered at this event:

A brief reminder to focus on what the All-in-One is first position HELOC is all about
Entering in data to compare the All-in-One loan against a 3.5% 30-year fixed rate mortgage
Review of the results and what they mean
Answering questions from the live group throughout the event

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Copyright ©2023 Geneva Financial, LLC, DBA Ridge Lending Group

Weekly Market Newsletter 2-6-2023 www.RidgeLendingGroup.com

Mon, 06 Feb 2023 13:00:00 -0800

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode reviews the events from the week of 1-30-2023.

The topics reviewed are:

Are More Fed Rate Hikes Ahead This Year?
January Job Growth Not as Strong as It Appears
Private Payrolls Disappoint in January
Jobless Claims Reflect Tight Labor Market
Family Hack of the Week - Super Bowl Potato Skins
Talk of Housing Crash Not Supported by Appreciation Data

The information is sourced from MBS Highway at www.mbshighway.com

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Using an LLC in connection with your Application and all about the All-in-One loan program

Tue, 31 Jan 2023 15:00:00 -0800

Caeli Ridge hosted this episode on 1/31/2023

Here is what she covered at this event:

What you can do when using your LLC in connection with your mortgage loan applications
All about the All-in-One loan program

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Copyright ©2023 Geneva Financial, LLC, DBA Ridge Lending Group

Weekly Market Newsletter 1-30-2023 www.RidgeLendingGroup.com

Mon, 30 Jan 2023 07:00:00 -0800

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode reviews the events from the week of 1-23-2023.

The topics reviewed are:

Inflation Turning the Corner
Pending Home Sales Rise for First Time in Six Months
New Home Sales Ticked Higher in December
Caveats to Positive Fourth Quarter GDP
Initial Jobless Claims Decline for Second Consecutive Week
Family Hack of the Week - IRS Scams
Economic Slowdown and Recession Signs Continue

The information is sourced from MBS Highway at www.mbshighway.com

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Concepts for preparing to file your 2022 Tax Return and how that could affect your mortgage application

Tue, 24 Jan 2023 15:00:00 -0800

Caeli Ridge hosted this episode, where Caeli reviewed an open discussion about how to make sure your 2022 Federal Tax Return is to be reviewed to support your borrowing needs in 2023.

Here is what we covered at this event:

Reviewed a Schedule E
Discussed how to prepare your information for your tax preparer to help you the most
Helped understand some pitfalls when preparing your Federal Tax Return

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Copyright ©2023 Geneva Financial, LLC, DBA Ridge Lending Group

How to be prepared to purchase today and what others have done to be prepared

Wed, 18 Jan 2023 11:00:00 -0800

Caeli Ridge hosted this episode, where Caeli reviewed an open discussion about things to be prepared for in 2023.

Here is what we covered at this event:

We had an open dialogue that will show you how to be prepared to purchase today.
We explain how others have become prepared and what they are doing next to identify markets and properties.

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Weekly Market Newsletter 1-17-2023 www.RidgeLendingGroup.com

Tue, 17 Jan 2023 08:00:00 -0800

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode reviews the events from the week of 1-9-2023.

The topics reviewed are:

Consumer Inflation Continues to Ease
Inflation Remains Top Problem for Many Small Businesses
Seasonal Factors Likely Impacted Latest Jobless Claims
Services Sector Shows Signs of Slowdown
Family Hack of the Week - Gift Card Scams
Watching an Important Recession Indicator

The information is sourced from MBS Highway at www.mbshighway.com

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Weekly Market Newsletter 12-12-2022 www.RidgeLendingGroup.com

Mon, 12 Dec 2022 10:00:00 -0800

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode reviews the events from the week of 12-5-2022.

The topics reviewed are:

Wholesale Inflation Hotter Than Anticipated
Are Home Prices Still Forecasted to Appreciate?
Continuing Jobless Claims Reach a 10-Month High
Family Hack of the Week - National Cocoa Day
More Recession Signals Flashing

The information is sourced from MBS Highway at www.mbshighway.com

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Weekly Market Newsletter 12-5-2022 www.RidgeLendingGroup.com

Mon, 05 Dec 2022 13:00:00 -0800

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode reviews the events from the week of 11-28-2022.

The topics reviewed are:

Big Jobs Number or Grand Illusion
Private Sector Job Growth at Slowest Pace Since January 2021
Continuing Jobless Claims at Highest Level Since February
Bonds Boosted by Fed Chair Powell and Cooler Inflation
Why Signed Contracts on Existing Homes Are Set to Rebound
What the Latest Home Price Appreciation Data Really Means
Family Hack of the Week - Brownie recipe from Taste of Home
Third Quarter GDP Remains Positive

The information is sourced from MBS Highway at www.mbshighway.com

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Weekly Market Newsletter 11-28-2022 www.RidgeLendingGroup.com

Tue, 29 Nov 2022 08:00:00 -0800

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode reviews the events from the week of 11-21-2022.

The topics reviewed are:

New Home Sales Better Than Expected in October
Initial Jobless Claims Hit a Three-Month High
Will the Fed Slow Its Pace of Rate Hikes?
Should Strong Retail Sales Quiet Recession Chatter?
Family Hack of the Week - French Toast recipe from Delish
Should Strong Retail Sales Quiet Recession Chatter?

The information is sourced from MBS Highway at www.mbshighway.com

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Weekly Market Newsletter 11-21-2022 www.RidgeLendingGroup.com

Wed, 23 Nov 2022 06:00:00 -0800

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode reviews the events from the week of 11-14-2022.

The topics reviewed are:

Low Housing Inventory Remains Supportive of Home Prices
Construction of Homes Continues to Slow
Builder Confidence Drops for Eleventh Consecutive Month
Wholesale Inflation Cooler Than Estimated
Family Hack of the Week - a Turkey Frittata recipie
Continuing Jobless Claims Continue to Creep Higher

The information is sourced from MBS Highway at www.mbshighway.com

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Housing Sales Crash, Mortgage Rate Prediction with Caeli Ridge and Keith Weinhold

Fri, 18 Nov 2022 11:00:00 -0800

Caeli'e interview begins at the Chapter Marker of 11:30

A housing crash is upon us. But it may not be the kind of crash that you think. I explain what this sales crash means to the housing market's future.

Caeli Ridge, President of Ridge Lending Group, joins us. She gives an exact prediction about where and when mortgage interest rates will peak.

37% of homeowners have no mortgage at all. Among those with a mortgage, 85% have an interest rate under 5% per Redfin. They don’t want to sell and give up their rate, constraining supply.

It’s a nationwide lock-in effect.

A housing PRICE crash is not expected. Existing homeowners can afford their mortgages and have record equity. This is reflected in the low delinquency rate.

The average age of first-time home buyers hit a record 36.

Caeli Ridge tells you how to get a lower mortgage interest rate with different loan types.

Investors keep their loans for an average of 5-6 years.

Ridge offers mortgage loans specifically for investors: plain fixed rates, non-recourse, DSCR, asset depletion, bridge loans, commercial loans, cross-collateralization of residential properties, and the All-In-One Loan, which operates like a first lien HELOC.

See how much interest you save with the All-In-One Loan interactive simulator here: https://ridgelendinggroup.com/aio-loans/

Caeli sees lots of appraisals. They’ve all been coming in “on-value”.

When it comes to higher mortgage rates, get used to it. The long-term average is 7.7%.

Ridge Lending is where I get loans for my own properties. You can use them too. Start at RidgeLendingGroup.com or (855) 747-4343.

Resources mentioned:

Show Notes:

www.GetRichEducation.com/423

Get mortgage loans for investment property:

RidgeLendingGroup.com or call 855-74-RIDGE

or e-mail: info@RidgeLendingGroup.com

Best Financial Education:

GetRichEducation.com

Get our wealth-building newsletter free—text ‘GRE’ to 66866

Our YouTube Channel:

www.youtube.com/c/GetRichEducation

Top Properties & Providers:

GREmarketplace.com

Follow us on Instagram:

@getricheducation

Keith’s personal Instagram:

@keithweinhold

Weekly Market Newsletter 11-15-2022 www.RidgeLendingGroup.com

Tue, 15 Nov 2022 08:00:00 -0800

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode reviews the events from the week of 11-7-2022.

The topics reviewed are:

Consumer Inflation Cooler Than Estimated in October
Inflation Remained a Top Problem for Many Small Businesses Last Month
Rising Continuing Jobless Claims Suggests Slower Pace of Hiring
Family Hack of the Week - Hearty Chicken Sout by The Food Network
The Scoop on Key Auctions

The information is sourced from MBS Highway.

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Bonus: Can Rentals Still Cash Flow With Higher Interest Rates?

Thu, 10 Nov 2022 11:00:00 -0800

This is a special podcast Caeli did with Dan Lane

Rental Income Podcast With Dan Lane

INFO

Rising interest rates has made it difficult to make the numbers work on a rental deal.

On the first part of this bonus episode, Larry Myer, who has been investing in rentals for 40 years, shares how he has invested in times of higher interest rates.

On the second part of the show Caeli Ridge shares from a lenders perspective how to invest today. She also talks about some loan programs she has that provide lower payments to help make the numbers work.

Contact Caeli:

https://ridgelendinggroup.com

Reviewing a 1040 Schedule E as a Lender would with Caeli Ridge

Tue, 08 Nov 2022 14:00:00 -0800

Larry Bailey and Caeli Ridge hosted this episode, where Caeli reviewed a Schedule E from a personal 1040 Schedule E.

Here is what we covered at this event:

Reviewed a 1040 Schedule E as a Lender would
Encouraged you to get your mortgage application into Ridge Lending Group in time to close this year

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Weekly Market Newsletter 11-7-2022 www.RidgeLendingGroup.com

Mon, 07 Nov 2022 06:00:00 -0800

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode reviews the events from the week of 10-31-2022.

The topics reviewed are:

Fed Hikes Rates as Expected, Yet Press Conference Roils Markets
Headline Jobs Number Not What It Seems
Private Sector Payrolls Beat Expectations, But Hiring “Not Broad-Based”
Continuing Jobless Claims Continue to Rise
Family Hack of the Week - Roasting Root Vegetables by The Kitchn
Home Price Forecasts Still Meaningful for Wealth Creation

The information is sourced from MBS Highway.

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Reviewing a Residential Appraisal

Tue, 01 Nov 2022 15:00:00 -0700

Larry Bailey and Caeli Ridge host this episode where we spent time reviewing a residential appraisal report.

Here is what we covered at this event:

Open Q&A
Reviewing a Residential Appraisal

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Weekly Market Newsletter 10-31-2022 www.RidgeLendingGroup.com

Mon, 31 Oct 2022 10:00:00 -0700

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode reviews the events from the week of 10-24-2022.

The topics reviewed are:

Consumer Inflation Needs Cooling
Signed Contracts on Existing Homes Fall for Fourth Consecutive Month
After August’s Uptick, September New Home Sales Fall
Annual Home Price Appreciation Declines But Remains Strong
GDP Turns Positive in the Third Quarter … For Now
Family Hack of the Week - End of Daylight Savings and being prepared
Latest Jobless Claims Signal Slower Pace of Hirings

The information is sourced from MBS Highway.

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Market News, Physical Property Reviews, and Waiting vs. Not Waiting

Tue, 25 Oct 2022 15:00:00 -0700

Larry Bailey and Caeli Ridge host this episode where we spent time reviewing new topics that are important with the times.

Here is what we covered at this event:

Open Q&A
Current Market News
Physical Property Reviews
Waiting vs. Not Waiting in this market (and others)

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Weekly Market Newsletter 10-17-2022 www.RidgeLendingGroup.com

Mon, 24 Oct 2022 08:00:00 -0700

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode reviews the events from the week of 10-17-2022.

The topics reviewed are:

What Housing Supply and Demand Dynamics Mean for Prices
Construction of Single-Family Homes Continues to Decline
Builder Confidence Falls for Tenth Straight Month
Jobless Claims Remain Volatile
Family Hack of the Week - Pumpkin Pudding from Food Network
More Economic Slowdown Signals

The information is sourced from MBS Highway.

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Cross-Collateralization loans and Caeli reviews a Community member's potential real estate investment for pros and cons

Tue, 18 Oct 2022 15:00:00 -0700

Larry Bailey and Caeli Ridge host this episode where we spent time with the community to review a new loan program and to review a community member property he is considering investing in.

Here is what we covered at this event:

Open Q&A
Reviewing a new loan program that allows for cross-collateralization
A community member brought a property to Caeli to review. She provided invaluable insights on how to review the property for investment

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Weekly Market Newsletter 10-17-2022 www.RidgeLendingGroup.com

Mon, 17 Oct 2022 10:00:00 -0700

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode reviews the events from the week of 10-10-2022.

The topics reviewed are:

Consumer Inflation Remains Hot But Is Hope Ahead?
Producer Inflation Also Higher Than Expectations
Fed Minutes Convey Hawkish Tone
Family Hack of the Week - Carving Pumpkins from Good Housekeeping
Initial Jobless Claims Rise for Second Consecutive Week

The information is sourced from MBS Highway.

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Harvesting Equity, Non-QM, All-in-One highlights, and "What to do in this market"

Tue, 11 Oct 2022 15:00:00 -0700

Larry Bailey and Caeli Ridge host this episode where we spent time with the community to help explain what is happening in these changing times for loan programs and interest rates.

Here is what we covered at this event:

Open Q&A
Reasons and methods for cashing out (harvest equity)
Owner-occupied loan options

Here are some highlights:
1. Borrowed funds are non-taxable

2. Non-QM is available in OH and 46 other states with Ridge Lending Group

3. Commercial loans for residential properties (including non-recourse)

4. DSCR loan reserves are specific to the property

5. You need to use the Simulator to find out if the All-in-One loan program works for you

6. Position yourself now to be prepared for the next deal you will be given

7. Keep your eye on deeply-discounted properties...they are starting to be available

8. Cross-collateralized Lines of Credit are coming to market with Ridge Lending Group

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Weekly Market Newsletter 10-11-2022 www.RidgeLendingGroup.com

Tue, 11 Oct 2022 07:00:00 -0700

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode reviews the events from the week of 10-3-2022.

The topics reviewed are:

The Real Scoop on September’s Job Gains
Private Payrolls Showed Job Growth Picked Up in September
Labor Market Starting to Show Signs of Pressure
Annual Home Price Appreciation Slowing But Still Significant
Family Hack of the Week - Apple Strudel Muffins from AllRecipies
OPEC+ Announced Deep Cut in Oil Production

The information is sourced from MBS Highway.

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

All about Cost Segregation and why you need to know about it!

Tue, 27 Sep 2022 16:00:00 -0700

Larry Bailey and Caeli Ridge host this episode with a very special guest. Ashish Acharya is known as the "Investor Friendly CPA" and is a WEALTH of knowledge for Real Estate investors everywhere. We had a fantastic time and spent over 1 hour talking about how to create opportunities to reduce your federal and state income taxes using cost segregation.

Here is what we covered at this event:

What is cost segregation?
Why are we using cost segregation as a strategy?
Why are we doing cost segregation in real estate and not other businesses?
What is the downside of accelerating the depreciation if we take the first-year bonus?
Is cost segregation helpful even if you don't qualify as a Real Estate Professional Status (REPS)?

Here is some additional information to reach out to Ashish:
Some biography and Social Media link

https://www.crecapitalmgmt.com/#team

https://www.investorfriendlycpa.com/ashish-acharya.php

- Facebook https://www.facebook.com/Investorfriendlycpa

- YouTube https://www.youtube.com/channel/UCu1-6wkkAWcBhkHpHV4sTQg

- Instagram https://www.instagram.com/Investor_friendly_CPA

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Weekly Market Newsletter 9-26-2022 www.RidgeLendingGroup.com

Mon, 26 Sep 2022 06:00:00 -0700

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode is reviewing the events from the week of 9-19-2022.

The topics reviewed are:

Fed Hikes Rates Another 75 Basis Points
Low Housing Inventory Remains Supportive of Prices
Household Formations Continue to Outpace Completions
More Home Builders Offering Incentives as Confidence Wanes
Family Hack of the Week - Garden Vegetable Soup from the Food Network
Low Jobless Claims Show Labor Market Remains Tight

The information is sourced from MBS Highway.

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

All about Owner-Occupied

Wed, 21 Sep 2022 07:00:00 -0700

Larry Bailey and Caeli Ridge host this episode and they talk about:

Loan Programs for Owner Occupied homes
- Conventional
- FHA
- VA
- USDA
- HELOC
- Construction Loans
- And more...
Interest Rates for Owner Occupied homes
- More volatile and best pricing
Enhanced processing, underwriting, and closing for Owner Occupied homes
- Usually less documentation and quicker processing and closing times

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Using an LLC, Non-Recourse Loans, Making it in this Market, and a Future Guest

Tue, 13 Sep 2022 14:00:00 -0700

Larry Bailey and Caeli Ridge host this episode and they talk about:

Asset protection through using an LLC and also through using a non-recourse loan
How to mentally make it through this kind of environment as an investor
Announcing our special CPA guest for a future show
Fannie Mae and Freddie Mac "Due on Sale " Clause
Caeli reminds you about how to set up the best way to capture the most money from your property "ARV" - After Rehab Value

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Weekly Market Newsletter 9-12-2022 www.RidgeLendingGroup.com

Mon, 12 Sep 2022 17:00:00 -0700

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail.
Today's episode is reviewing the events from the week of 9-5-2022.

The topics reviewed are:

Home Prices Still Forecasted to Appreciate at Meaningful Level
Initial Jobless Claims Reach Lowest Level Since Late May
Fed Talks Tough About Inflation
Family Hack of the Week - Fall Season Maintenance around your home

The information is sourced from MBS Highway.

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Keeping up to date with Real Estate Investing as of early September 2022

Wed, 07 Sep 2022 09:00:00 -0700

Larry Bailey and Caeli Ridge host this episode, and she talks about:

Caeli discusses current market conditions for the value of your home
Current interest rates can try to undermine your efforts in investing
Equity Harvesting - now is the time to do it
Owner-Occupied loan programs that are available
Fixed versus ARM (Adjustable Rate Mortgage) products
Full Amortization versus Interest Only
Discussion about Condo-tels
**Bonus Content - Post-Credits - Caeli reviews a property Mike found**

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Caeli's FIRST show on her own - Secured vs. Unsecured Line of Credit and other topics

Wed, 07 Sep 2022 08:00:00 -0700

Caeli Ridge hosts this episode and she talks about:

Secured vs. Unsecured Line of Credit
Open Questions and Answers
- Quality of Investments when working with TurnKeys
2nd Lien HELOCs for Investment Properties
Buying down your interest rates
Negotiating Prices are in your favor now!
Seller-Paid closing costs - how to take advantage of these now!

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Reviewing Community Questions

Wed, 07 Sep 2022 08:00:00 -0700

Larry Bailey hosts this episode, and he reviews some Community questions:

The Process of changing an owner-occupied into an investment property
Cost Segregation practices/strategies
1031 Exchanges
Dealing with a Lender that limits your limits on lending based on your financed properties
Some other great information

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

How to Get Ready for your next Long Term Rental

Wed, 07 Sep 2022 08:00:00 -0700

Larry Bailey and Caeli Ridge host this episode and they talk about:

Getting ready for your next Long Term Rental
- Neighborhood
- Property Class
- Tenant Pool
- Industry
- Schools
- Age
- Many, Many More...

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

A Full breakdown of the All-in-One Simulator

Wed, 07 Sep 2022 08:00:00 -0700

Larry Bailey and Caeli Ridge host this episode and they talk about:

Open Questions and Answers
Full breakdown of the All-in-One Simulator

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

General Discussion Today

Wed, 07 Sep 2022 08:00:00 -0700

Larry Bailey hosts this episode and he talks about:

General open questions and answers
Mortgage Market Meltdown
Personal Situations
The All-in-One loan program
- Sweep Account usage
Explaining ARMs - Adjustable Interest Rates
Short-Term versus Long-Term Rentals

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Weekly Market Newsletter 9-6-2022 www.RidgeLendingGroup.com

Tue, 06 Sep 2022 09:00:00 -0700

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode is reviewing the events from the week of 8-29-2022.

The topics reviewed are:

Young Americans Dominate August’s Jobs Report
Private Payrolls Show a Slowing Trend
Initial Jobless Claims Moderate in Recent Weeks
Family Hack of the Week - Guacamole Recipe from the Food Network
Home Prices Continue to Rise, Albeit at a Slower Pace

The information is sourced from MBS Highway.

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Using Short Term Rental history to qualify and a personal story/situation from a Community Member

Mon, 08 Aug 2022 08:00:00 -0700

Larry Bailey hosts this episode and he talks about:

Financing homes with exclusively Short Term Rental history
Setting and reviewing your goals for 2022
KUDOS to Nichole Rich-Byrne for sharing her personal story/situation

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Weekly Market Newsletter 8-8-2022 www.RidgeLendingGroup.com

Mon, 08 Aug 2022 07:00:00 -0700

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode is reviewing the events from the week of 8-1-2022.

The topics reviewed are:

July Jobs Report a Big Surprise
The Fed’s Take on the Labor Market, Inflation and Recession
Initial Jobless Claims Continue to Creep Higher
Family Hack of the Week - S'Mores Recipe from the Food Network
Home Prices Still Forecast to Appreciate at Meaningful Level

The information is sourced from MBS Highway.

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Weekly Market Newsletter 7-25-2022 www.RidgeLendingGroup.com

Mon, 25 Jul 2022 06:00:00 -0700

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode is reviewing the events from the week of 7-18-2022.

The topics reviewed are:

More to Existing Home Sales Data Than Meets the Eye
Builders Cautious About Future Sales
Construction Data Shows Continued Backlog
Family Hack of the Week - Advice about your pets outside from the Humane Society
Initial Jobless Claims Top 250,000 for the First Time This Year

The information is sourced from MBS Highway.

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

All kinds of topics and live discussions

Fri, 22 Jul 2022 12:00:00 -0700

Caeli Ridge and Larry Bailey host this episode and we talk about:

Having a Summer Book Club
- Nominations
  - The Changing World Order
  - One Rental At A Time: The Journey to Financial Independence through Real Estate
Cross-Collateralization (AKA Blanket Loans)
Closing in the name of your LLC
Non-Recourse loans
Transferring your deed from yourself to your LLC after closing
Using the "Income Approach" for the value of your property
Remembering how the "All-in-One" loan works - as a "Sweep" account
Caeli's favorite slogan - "The Math Won't Lie"

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Non-QM Loan Programs explained in detail (LTV, Credit Scores, etc.)

Wed, 20 Jul 2022 09:00:00 -0700

Larry Bailey hosts this episode and he talks you through 3 different kinds of loan programs that help you close more of your loans in real estate investing.

Larry covered these 3 different kinds of loan program series:

"V-Series" Loans
Streamline Jumbo Loans
"D-Series" Loans

Check out the video with the screen share and the documentation in the Community.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Weekly Market Newsletter 7-19-2022 www.RidgeLendingGroup.com

Tue, 19 Jul 2022 12:00:00 -0700

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode is reviewing the events from the week of 7-11-2022.
The topics reviewed are:

Consumer Inflation Remains Blistering Hot
Producer Inflation Also Higher Than Expectations
Are Jobless Claims the “Canary in the Coal Mine?”
More Economic Slowdown Signals
Family Hack of the Week - Grilled Bananas
Housing Market Remains Strong

The information is sourced from MBS Highway.

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Evaluating your strategy for your next Investment Property

Wed, 06 Jul 2022 14:00:00 -0700

Caeli Ridge and Larry Bailey host this episode and we talk evaluating your strategy for your next Investment Property .

We covered:

How to evaluate for:
- Long-Term Rental
- Short-Term Rental
- Appreciation to Sell
- BRRRR
- Property Management
We will also review and re-post the Property Management Questions checklist with the call replay.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Weekly Market Newsletter 7-5-2022 www.RidgeLendingGroup.com

Tue, 05 Jul 2022 11:00:00 -0700

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode is reviewing the events from the week of 6-27-2022.
The topics reviewed are:

Consumer Inflation Remains Near 40-Year High
Home Purchase Activity Still Standing Strong
Home Price Appreciation Remained Hot in April
Final First Quarter GDP Reading Sparks More Recession Fears
Keeping an Eye on Jobless Claims

The information is sourced from MBS Highway.

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Why you should be reviewing your real estate portfolio and ideas to make it grow

Wed, 29 Jun 2022 14:00:00 -0700

Caeli Ridge and Larry Bailey host this episode and we talk about why you should be reviewing your real estate portfolio and ideas to make it grow.

We covered:

Reviewing your portfolio
Planning to grow your portfolio
Different kinds of loan programs you should consider
How the Certified Power Buyer® program helps you prepare for your next purchases
An open Q&A session

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Weekly Market Newsletter 6-27-2022 www.RidgeLendingGroup.com

Mon, 27 Jun 2022 12:00:00 -0700

This is the weekly market newsletter from Ridge Lending Group. We review the events from the previous week in detail. Today's episode is reviewing the events from the week of 6-20-2022.
The topics reviewed are:

Existing Home Sales Still Strong Into Summer
The Real Scoop on New Home Inventory
Fed Chair Powell Testifies That Recession Is “Certainly a Possibility”
Single-family Rent Price Growth Hits New Record
Is An Increase In Jobless Claims Ahead?

The information is sourced from MBS Highway.

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

How to Qualify and Prepare for your Next Investment Property

Wed, 22 Jun 2022 09:00:00 -0700

Caeli Ridge and Larry Bailey host this episode and we talk How to Qualify and Prepare for your Next Investment Property.

We covered:

How Ridge Lending Group customizes your loan program for your next investment
Ridge Lending Group is not a one-size-fits-all
- Fannie/Freddie
- DSCR
- Bank Statements
- ITN
- 1099
Ideas for "finding" money for investments
- Joint Venture
- Line of Credit or Cash-Out Refinance your primary home or investment property
- Other People's Money (OPM) and leverage
- Use your LLC and record a lien to make the refinance a Rate/Term refinance
Adjustable Rate Mortgages should be strongly considered now
Listener question -
- What could be the best choice of how to take an investment property owned free and clear and turn that into more investment opportunities
1031 Exchange overview and comments
Taking your current primary home and turning it into an investment property ("House Hack")

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com or send a text to 503-741-2142

Market Wrap Review for the Week of 6-13-2022

Tue, 21 Jun 2022 14:00:00 -0700

Larry Bailey hosts this episode and reviews some current market information and how this could affect you as a real estate investor.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Market Wrap - 6-17-2022 - Ridge Lending Group - www.RidgeLendingGroup.com

Fri, 17 Jun 2022 15:00:00 -0700

This is the market wrap information. Sourced from MBS Highway.

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

All about today's rates and how rates can affect your investing decisions

Tue, 14 Jun 2022 15:00:00 -0700

Caeli Ridge and Larry Bailey host this episode and we talk about today's rates and what to do about it. We covered:

Fixed Rate vs Adjustable Rate Mortgages
How rates actually affect your cashflow
Q&A topics
Using a Debt Service Coverage Ratio loan for a purchase
How the LTV ratios are mostly the same for ARMs (Adjustable Rate Mortgage) vs FRMs (Fixed Rate Mortgage)
Qualifying using a 3/1 and 5/1 ARM vs 7/1 and 10/1 ARM
Cashflow is still important, even if it is just a little negative
Caeli's COVID experience

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Learning all about how Lenders use LTV and DTI to qualify you for your next mortgage

Wed, 08 Jun 2022 08:00:00 -0700

Larry Bailey hosts this episode and reviews how Ridge Lending Group (and all lenders) determine your eligibility for a new loan using LTV (Loan to Value) and DTI (Debt to Income). DTI can change depending on your occupancy (Primary home, Second home, or Investment), as well as the amount of rent you can use and document for your investment loan. Follow along to find out more.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Market Wrap for the Week review - 5-31-2022

Wed, 08 Jun 2022 08:00:00 -0700

Ridge Lending Group - Market Wrap 6-2-2022 - www.RidgeLendingGroup.com

Thu, 02 Jun 2022 15:00:00 -0700

This is the market wrap information. Sourced from MBS Highway.

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Ridge Lending Group - Market Wrap 5-31-2022 - www.RidgeLendingGroup.com

Tue, 31 May 2022 14:00:00 -0700

This is the market wrap information. Sourced from MBS Highway.

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Weekly Market Newsletter 5-31-2022 www.RidgeLendingGroup.com

Tue, 31 May 2022 06:00:00 -0700

This is the weekly market newsletter from Ridge Lending Group.

The information is sourced from MBS Highway.

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Ridge Lending Group - Market Wrap 5-27-2022

Fri, 27 May 2022 13:00:00 -0700

This is the market wrap information. Sourced from MBS Highway.

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Ridge Lending Group - Market Wrap 5-26-2022

Thu, 26 May 2022 14:00:00 -0700

This is the market wrap information. Sourced from MBS Highway.

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Ridge Lending Group - Market Wrap 5-25-2022

Wed, 25 May 2022 14:00:00 -0700

This is the market wrap information. Sourced from MBS Highway.

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Market Talk, LTVs, Pre-Approvals, and W/2 vs 1099 income

Wed, 25 May 2022 10:00:00 -0700

Larry Bailey hosts this episode and reviews some Market Talk, LTVs, Pre-Approvals, and W/2 vs 1099 income.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Reviewing non-traditional loan programs

Thu, 19 May 2022 08:00:00 -0700

Larry Bailey hosts this episode and reviews the idea of finding and preparing for the next purchase. How to compete and win in a demanding market (wherever you are). And remind me why are you sticking to that market...?

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com or send a text to 503-741-2142

Caeli shares her story of being a Real Estate Investor

Thu, 19 May 2022 08:00:00 -0700

Caeli Ridge shares her story of being a real estate investor. She takes us back to her beginnings and what she would think about doing differently. She also recommends what she would tell you about her lessons learned.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Finding and Preparing for Your Next Purchase

Wed, 04 May 2022 12:00:00 -0700

Larry Bailey hosts this episode and reviews the idea of finding and preparing for the next purchase. How to compete and win in a demanding market (wherever you are). And remind me why are you sticking to that market...?

There is a great referral to the folks helping spread financial awareness. Visit https://www.ngpf.org/ to find out more

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Reviewing when it makes sense to refinance (goals, costs, terms)

Tue, 26 Apr 2022 14:00:00 -0700

Caeli Ridge reviews when it makes sense to refinance (goals, costs, terms).

Lots of great Q&A from those that attended!! Thank you all for coming.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

The details of mortgage lending "behind the curtain" (as a borrower) - Part 2 of 2

Tue, 19 Apr 2022 18:00:00 -0700

Today's show was hosted by Larry Bailey and he will be covering the details of mortgage lending and what goes on "behind the curtains" in mortgage application processing, underwriting, and closing. This will be a 2 part series, so make sure you are asking questions along the way. Here is a proposed agenda for our mini-series:

The agenda of the call is:

- Choosing a lender

- How to start and complete a mortgage application

- What kinds of documents will you need to send in and when

- What are the costs of applying for a mortgage

- What is a pre-qualification

- What is a pre-approval

- What is an underwriting approval / commitment to lend

- What are underwriting conditions

- What is title insurance for

- Getting ready for closing and how to avoid jeopardizing your application

- What happens at the closing table

- What happens after the closing

- When to choose a new lender

The BRRR Method explained

Thu, 14 Apr 2022 14:00:00 -0700

Caeli Ridge discusses all about The BRRR Method.

In this episode Caeli reviews

Using the BRRR method you will need to:
- Buy
- Rehab
- Rent
- Refinance (to pull money out for the next investment)

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Explaining Credit Reports and Credit Scores

Tue, 05 Apr 2022 18:00:00 -0700

Caeli Ridge discusses all about credit reports, credit scores and the details of working with credit reports.

In this episode Caeli reviews

An actual credit report (redacted information)
Credit scores
How the credit scores can change
How a credit score can affect your mortgage application
How a credit score can affect your mortgage interest rate
Q & A from the group

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

The details of mortgage lending preparation (as a borrower) - Part 1 of 2

Wed, 30 Mar 2022 07:00:00 -0700

Today's show will be hosted by Larry Bailey and he will be covering the details of mortgage lending preparation (as a borrower), as well as what goes on "behind the curtains" in mortgage application processing, underwriting, and closing. This will be a 2 part series, so make sure you are asking questions along the way. Here is a proposed agenda for our mini-series:

Process for preparing for a new mortgage

- Income documents and calculations

- Credit report review and preparations

- Assets review and preparation

- Property review

- Choosing a lender

- How to start and complete a mortgage application

- What kinds of documents will you need to send in and when

- What are the costs of applying for a mortgage

- What is a pre-qualification

- What is a pre-approval

- What is an underwriting approval / commitment to lend

- What are underwriting conditions

- What is title insurance for

- Getting ready for closing and how to avoid jeopardizing your application

- What happens at the closing table

- What happens after the closing

- When to choose a new lender

All In One Loan Program Overview - Part 2 of 2

Wed, 23 Mar 2022 09:00:00 -0700

Caeli Ridge goes through different scenarios with the All-in-One loan program at Ridge Lending Group.

This is part 2 of 2.

In this episode Caeli reviews

How the simulator works
Why the AOI loan calculations change the way they do
When the AOI is a good choice
When the AOI is not a good choice
Live example of combining 2 existing loans together into 1 AOI loan
Some general Q&A

Tune into the previous episode for more details and using the All-In-One Simulator on 3-15-2022

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

All In One Loan Program Overview - Part 1 of 2

Thu, 17 Mar 2022 10:00:00 -0700

Caeli Ridge discusses all about the All-in-One loan program at Ridge Lending Group.

This is part 1 of 2.

In this episode Caeli reviews

What is the All-in-One loan program
What kinds of properties can you use it against
Reasons why it is a good loan for you
Reasons why it is not a good loan for you
General Use Cases as examples
Some general Q&A

Tune into the next episode for more details and using the All-In-One Simulator

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Beyond Fannie Mae and Freddie Mac

Wed, 09 Mar 2022 07:00:00 -0800

Caeli covers what you need to know about when the Fannie Mae and Freddie Mac guidelines no longer help you close on your mortgage loan. We covered some of the following loan programs listed below - most are now included in the term of "Non-QM" or non-qualified mortgage (remember that a qualified mortgage is a technical term created by the Dodd-Frank legislation in 2010), AKA non-Fannie Mae / Freddie Mac

Bank Statements
Asset Depletion
DSCR (Debt Service Coverage Ratio loan)
Interest Only
Mortgage History 1x30x12
1099s
Bank Statements Only
Alt-Doc
Foreign National
Closing in LLC
Bridge loans
Commercial
In-house with questionnaire
Mixed-Use

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com

Certified Power Buyer® and Certified Power Buyer Association® world premier

Wed, 02 Mar 2022 12:00:00 -0800

Yesterday was an amazing day. Ridge Lending Group has launched the world's first Certified Power Buyer® program for real estate investors. Along side t our clients, we have established the world's first Certified Power Buyer Association®. This new program merges decades of experience, the newest technologies, planning, resources, and partners with inventory ready and available to members of the association.

This is different than any other offering available as it is a personalized long-term relationship and planning cooperative between real estate investors, a lender with a national footprint, and sources of real estate inventory across the entire country. We are confident that the levels of service, communication, and fulfillment are unmatched in the marketplace.

We believe that transactional relationships can work great for an owner-occupied or even a second home purchase. When it comes to real estate investing, however, we have found that the most successful outcomes are the result of solid planning, along with a team and the resources to support the plan. That is what the Certified Power Buyer Association® is all about.

If you are interested in joining the association and becoming a Certified Power Buyer®, please visit our website for more in formation and to take the next steps https://www.ridgelendinggroup.com/certified-power-buyer/

5 Questions Answered from Live with Caeli

Mon, 28 Feb 2022 17:00:00 -0800

These are 5 questions Caeli Ridge has answered from the Ridge Lending Group community. Join our "Live with Caeli" calls each Tuesday beginning at 4:30 PM Eastern. If you are not part of the community, please click this link to join - https://community.ridgelendinggroup.com/share/DtT7DysUVUdTn8pi?utm_source=manual

Here are the 5 questions:
00:23 1. Which is a better investment for a new Real Estate Investor? One 16 unit building or 4 separate 4-unit buildings?
01:58 2. What are some steps to take to prepare for mixed use or commercial financing?
03:13 3. Can you help your tenant by reporting their rental payment history to the credit bureaus?
04:16 4. Will cash reserves help when income is low or DTI is high?
06:41 5. Does Ridge Lending Group only lend on 1-4 unit housing?

Using a non-income spouse or partner to qualify for their own financing

Tue, 22 Feb 2022 22:00:00 -0800

This is the replay for the Live with Caeli 2-22-2022 event hosted on the Ridge Lending Community. We covered all about using a non-income spouse or partner to qualify for their own financing. This includes Fannie Mae / Freddie Mac loans, Debt Service Coverage Ratio loans and more.

Join the Ridge Lending Group Community using this link - https://community.ridgelendinggroup.com/share/DtT7DysUVUdTn8pi?utm_source=manual

Live with Caeli - 2-8-2022

Wed, 16 Feb 2022 21:00:00 -0800

Live with Caeli - 2-8-2022 Replay

Live with Caeli - 2-1-2022

Wed, 16 Feb 2022 21:00:00 -0800

Live with Caeli - 2-1-2022 Replay

Larry Bailey explains the FHA 203k Event replay from 2-10-2022

Wed, 16 Feb 2022 20:00:00 -0800

This was an event Larry Bailey hosted on 2-10-2022. This was to walk through ideas and experiences of how the 203k loan program works, as well as how it worked for me.

Some good information is as follows:

The Standard FHA 203(k) Mortgage may be used for remodeling and major repairs. There is a minimum repair cost of $5000 and the use of a 203(k) Consultant is required.
The minimum credit score is 600
Terms can be 10Yr., 15Yr., 20Yr., 25Yr., 30Yr. Fixed 5/1 Hybrid ARM
1-2 Unit Primary Residence
Site Condominium
PUDs
Property must be an existing Property that has been completed for at least one year prior to the case number assignment date.
A Property that is not eligible for a 203(b) Mortgage due to health and safety or security issues may be eligible under 203(k) if the rehabilitation or repair work performed will correct such issues.
A Property with an existing 203(k) Mortgage is not eligible to be refinanced until all repairs are completed
Maximum LTV/CLTV/HCLTV - • Purchase 96.50%• Rate/Term Refinance 97.75%
HUD main link for all things 203k click here

Learn how to review a Schedule E tax form the way a Mortgage Underwriter does to help with your Mortgage Applications

Wed, 16 Feb 2022 07:00:00 -0800

Learn how to review a Schedule E tax form the way a Mortgage Underwriter does to help with your Mortgage Applications.

Caeli Ridge goes into the details of the forms. You can find the actual forms on the Ridge Lending Group community article here -

Join us each week on Tuesdays for more Live with Caeli Ridge. Each Tuesday beginning at 4:30 PM Eastern.

How to create and manage your plan to be a Real Estate Investor

Tue, 15 Feb 2022 18:00:00 -0800

Hello all - another great time with Caeli Ridge and everyone who showed up to interact and get their questions answered. Today, we covered how to create and manage your plan to be a Real Estate Investor. Caeli covered the basics with some dives into the activities it takes to stay on top of your portfolio.

Conforming Loan Limits for 2022

Tue, 08 Feb 2022 10:00:00 -0800

Caeli Ridge explains what the new conforming loan limits are for 2022.

Three Primary Benefits of Real Estate Investing

Mon, 31 Jan 2022 06:00:00 -0800

OK, my first topic.

What are the three primary benefits of real estate investing?

Now, most of you on this call are going to be very familiar with this. And I'll take just not a deep dive, but a quick dive into each one of these.

So residential real estate investing, generally speaking the top three: cash flow, appreciation and tax benefit.

This episode digs into each of these topics.

Introduction to the Ridge Lending Group Community Live Events

Mon, 31 Jan 2022 06:00:00 -0800

These live weekly kind of educational platforms are going to, I hope, adds some great value to you all. We're very interested in feedback. So first and foremost, as our first kind of stab at this, I would like to hear from each of you on this live recording today.

I'm going to give you just the quick 30,000 foot view about Ridge, who we are as a company, what it is that we do. Some of you have heard this sound bite before, so I hate the idea of being redundant, but for everybody else, this is what we're about.

We are a second generation company. We focus a large amount of our attention on the non-owner-occupied individual residential real estate investor. We do commercial as well, but residential is most of what occupies our day to day.

We are licensed nationwide, so we have a nice, broad footprint. There are four states that are an exception to that statement. We are not in Alaska, North Dakota, New York or Vermont. Pretty sure it's Vermont. Otherwise, we're going to be everywhere

I am a fellow real estate investor. I've held many, many properties all over the United States, so I hope that that unique perspective adds some credibility to who we are and what we deliver for our investor clients.

It's really about teaching our clients how to get to that next level, and that goes back into the optimization.

We will find a way in which to educate you, to get you to qualify, right? If there's some wood that we have to cut upfront, we're able to lay it out, provide you with the information so that you have the tools to then get back in the saddle when the time comes.

FHA Loan Limits for 2022

Tue, 18 Jan 2022 12:00:00 -0800

FHA - the Federal Housing Administration - www.HUD.gov - has increased the loan limits for 2022.

Hi again, everyone. Caeli here. Happy New Year to you, all. I just finished recording a video announcing the new conforming agency, a.k.a. Fannie/Freddie loan limits. I am now going to provide the FHA not to be confused with Fannie/Freddie loan limits as a quick distinction.

FHA and VA and USDA does "Govvie" as we call them in our industry, loan products only apply to owner occupied or primary residence transactions. And as we saw some increase to the conforming loan limits as it applied to Fannie/Freddie.
As such, FHA has followed suit. So I have those numbers for you. The old FHA County loan limit baseline was at $365,362. I've got my cheat sheet over here. The new conforming loan limit for FHA is now $420,680.
Just like the Fannie/Freddie loans, FHA does have high cost areas. Those are going to be Hawaii, California, Alaska, Connecticut, places like that. And those high cost areas are going to be for single family residence. All of what I've said so far is for single family residence.

The oldest $822,375, the new FHA high cost area loan limit is $970,800. Hopefully this is helpful to you. Those of you are looking to utilize FHA for your owner occupied transactions. We look forward to hearing from you and serving all of your lending needs.

Thanks for listening.

Caeli Ridge