
Hosted by Jean Mitchell · EN

If you want to build a real estate portfolio but are stuck on income documentation or down payment requirements, DSCR loans and zero-down programs might be exactly what you need. Host Jean Mitchell of Trilogy Real Estate sits down with Ben Shores, a mortgage expert at First Community Credit Union with over 25 years of experience, to break down the financing strategies most buyers and investors never hear about.What you'll learn:✔️ How DSCR loans work: qualify based on rental income -- not paystubs or tax returns -- making them ideal for real estate investors✔️ Why keeping your current home as a rental when you move up could be one of the smartest wealth-building moves you make✔️ How to fund an investment property down payment by pulling equity from your current home, borrowing against your 401k, or cash-out refinancing✔️ A 100% financing program for everyday buyers: no down payment, no income limits, not restricted to first-time buyers -- and you can come to closing with zero dollars if you get a 3% seller contributionBen Shores is a mortgage expert at First Community Credit Union with over 25 years in the lending industry, specializing in strategic mortgage solutions for buyers and real estate investors in Texas.Connect with Ben:Phone: 281-798-4712Email: ben.shores@fccu.orgSubscribe to The REAL in Real Estate on Apple Podcasts, Spotify, or wherever you listen.

In a high-rate market where traditional financing feels out of reach, seller financing and creative deal structures are opening doors that most buyers and investors don't even know exist. Host Jean Mitchell of Trilogy Real Estate sits down with Chris Prefontaine, a real estate coach and investor with nearly 35 years of experience, to break down his Three Paydays system and why today's market conditions are uniquely suited for creative financing.What you'll learn:✔️ Why stricter bank regulations and higher rates are actually creating more opportunities for creative financing deals -- for both buyers and sellers✔️ How the Three Paydays system works: get paid upfront from the buyer's down payment, monthly from cash flow, and on the back end from principal paydown and markup✔️ What the real timeline looks like when transitioning from W-2 to full-time real estate investing -- and the mindset required to stay the course✔️ Practical ways to use AI in real estate: checking comps, reviewing sales calls, and generating content scripts fasterChris Prefontaine is a real estate coach, author, and podcast host based in Newport, Rhode Island. With nearly 35 years in real estate, he is a Forbes Business Council member and three-time Inc. 5000 honoree. He specializes in creative financing and runs a nationwide coaching program helping investors build long-term wealth through seller financing strategies.Connect with Chris:Free blueprint and books: threepaydaysbooks.comWebsite: smartrealestatecoach.comPodcast: smartrealestatecoachpodcast.comYouTube: Search "Smart Real Estate Coach"Subscribe to The REAL in Real Estate on Apple Podcasts, Spotify, or wherever you listen.

Breaking through an income plateau in real estate rarely comes down to a better script or a new lead source. Host Jean Mitchell of Trilogy Real Estate sits down with Kevin Yoder, a 25-year real estate sales veteran and mindset coach, to break down why your self-image acts as an internal thermostat that controls exactly how much success you allow yourself to have.What you'll learn:✔️ Why your self-image functions like a thermostat, regulating the energy you project and the clients you attract -- regardless of your strategy✔️ What creates "invisible income ceilings" even for hard-working, driven agents and team leaders✔️ How to identify a massive, inspiring goal that is truly yours -- free from family expectations or social pressure✔️ How small, consistent daily actions compound over time to permanently rewire limiting self-beliefsKevin Yoder is a real estate team leader and identity strategist based in Grand Rapids, Michigan, with 25 years in real estate sales. He now runs Infinite U, a coaching program focused on self-image upgrades for lasting growth.How to reach Kevin:Websites: getinfiniteu.com (Infinite U coaching), imageupgradenow.com (free self-image PDF), soldbyyoder.com, yoderresults.comSocial: YouTube and Facebook -- search "Infinite by Kevin" | LinkedIn -- Kevin Yoder, Real Estate Team Leader and Mindset CoachSubscribe to The REAL in Real Estate on Apple Podcasts, Spotify, or wherever you listen.

Most real estate investors overlook land -- but national home builders spend millions figuring out exactly where to buy next. Host Jean Mitchell of Trilogy Real Estate sits down with Brandon Cobb of HBG Capital to break down how everyday investors can reverse-engineer those decisions and get into land development before the big builders arrive.What you'll learn:✔️ How to find land by tracking where national builders like D.R. Horton are already developing -- they've done the market research, so target land in those same corridors✔️ Why sitting down with local planning directors and city council members is the fastest way to identify what areas a city actually wants developed✔️ The two golden rules of land entitlement: never buy land before securing city approvals, and always design with your end buyer in mind✔️ How Brandon went from being fired from a medical device sales job to building a private equity firm focused on land entitlement and new constructionBrandon Cobb is the founder of HBG Capital, a private equity firm specializing in land entitlement, land development, and new construction. He also runs the Land Development Accelerator mastermind and hosts the Recession Resistant Real Estate Radio podcast.Connect with Brandon:Website: learnlanddevelopment.com (free six-hour course on finding land, due diligence, and raising money)Company: HBG Capital -- investor-facing private equity for land and new construction projectsPodcast: Recession Resistant Real Estate RadioSubscribe to The REAL in Real Estate on Apple Podcasts, Spotify, or wherever you listen.

VA loans are one of the most underutilized mortgage benefits available to veterans, and outdated myths are largely to blame. Host Jean Mitchell of Trilogy Real Estate sits down with Eric Bernstein, president and co-founder of LendFriend Mortgage, to debunk the most common misconceptions about VA loans and show Texas veterans and their agents how to use this benefit effectively.What you'll learn:✔️ Why VA appraisals are not deal-killers -- and what listing agents consistently get wrong about the VA appraisal process✔️ The zero-down advantage of VA loans and how to position VA offers so sellers take them seriously✔️ How veterans can use their VA loan benefit more than once, including in situations most people don't realize qualify✔️ What real estate agents need to know to confidently guide veteran clients through the home buying process in TexasEric Bernstein is the president and co-founder of LendFriend Mortgage and one of the leading voices on VA loan education. His site features a learning center with over 200 blog posts, including roughly 30 articles dedicated to VA loan nuances.Connect with Eric: lendfriendmtg.comWatch the full episode on YouTube: https://www.youtube.com/watch?v=pJmsoIfM76wSubscribe to The REAL in Real Estate on Apple Podcasts, Spotify, or wherever you listen.

If you're a Texas homeowner and haven't filed a property tax protest, you're almost certainly overpaying. Host Jean Mitchell of Trilogy Real Estate sits down with Mickey Le, a property tax expert and partner at Ad Valorem Tax Management with 30 years of experience, to walk through everything you need to know before the May 15th deadline -- especially in Harris County.What you'll learn:✔️ Why you should protest your property taxes every single year -- and why not protesting almost guarantees you're leaving money on the table✔️ The key deadlines: appraisal notices go out around April 17th in Harris County, and you have until May 15th to file your protest✔️ How to request the county's own evidence 14 days before your hearing -- and what errors to look for, like misclassified living space or unfair comparable sales✔️ Why contractor estimates for foundation or roof issues are powerful evidence, and how to check that your Homestead, Over-65, or Disabled Veteran exemptions are correctly appliedMickey Le is a property tax consultant and partner at Ad Valorem Tax Management in Houston, Texas, with 30 years of experience helping homeowners reduce their property tax bills across Texas.Connect with Mickey:Phone: 713-977-4197Email: mle@atmtax.comSubscribe to The REAL in Real Estate on Apple Podcasts, Spotify, or wherever you listen.

Agentic AI is moving beyond chatbots -- and real estate agents who understand the difference are already pulling ahead. Host Jean Mitchell of Trilogy Real Estate sits down with Eric Bramlett, an Austin-based broker at Bramlett Partners and Inman contributor, to break down how agentic AI works and where agents can start using it today.What you'll learn:✔️ The difference between generative AI and agentic AI -- and why agentic AI acts as a "digital teammate" that can reason, write code, and execute multi-step tasks independently✔️ Practical ways Eric's brokerage uses AI agents: routing support tickets, generating weekly company health reports, and auditing website SEO automatically✔️ Why you must always verify AI output -- AI can "hallucinate" confidently incorrect information, and high-consequence tasks need a human or secondary AI review✔️ How to get started without feeling overwhelmed: pay for a premium tool, use organizational features like Projects, and simply explore what it does well and where it strugglesEric Bramlett is a broker at Bramlett Partners in Austin, Texas, and a contributor to Inman. He focuses on the Austin real estate market and welcomes referrals for buyers and sellers moving to the area.Connect with Eric:Search for Eric Bramlett or Bramlett Partners onlineInman: find his articles with an Inman membershipReferrals: Austin, TX marketSubscribe to The REAL in Real Estate on Apple Podcasts, Spotify, or wherever you listen.

Wondering how to protest your property tax assessment in Texas? Every spring, Texas homeowners have the right to challenge their county appraisal district's valuation — and most are overpaying simply because they do not know how. Host Jean Mitchell of Trilogy Real Estate sits down with Mickey Le, a property tax consultant with Ad Valorem Tax Management in Houston, to break down the entire protest process so you can walk into your appraisal review board hearing prepared and confident.In this episode you will learn:- How county appraisal districts determine your assessed value and where their data is often wrong- How to document your home's hidden flaws that appraisal districts cannot see from satellite images or permits, and use them as evidence at your ARB hearing- What comparable sales to pull and how to present them to argue your home's market value- When hiring a professional tax protest firm pays off versus handling the protest yourselfMickey Le is a property tax consultant with Ad Valorem Tax Management, a Houston-based firm specializing in residential and commercial property tax reduction across Texas.Phone: 713-977-4197Email: mle@atmtax.comWatch the full episode on YouTube: https://www.youtube.com/watch?v=mXXOCp96-04Subscribe to The REAL in Real Estate on Apple Podcasts, Spotify, or wherever you listen.

Real estate transactions come with legal landmines most agents and buyers don't see until it's too late. Host Jean Mitchell of Trilogy Real Estate sits down with Grant Harpold, a partner at Buck Keenan LLP and legal counsel for the Houston Association of Realtors, to break down the legal updates and best practices every Texas agent, buyer, and seller needs to know right now.What you'll learn:✔️ The new Harris County FEMA flood maps post-Harvey -- what changed, why it matters, and what agents must disclose to clients in affected areas✔️ Flood insurance timing: why buyers need to line up coverage well before closing due to the 30-day waiting period, and how to check if a seller's policy is transferable✔️ How to protect yourself on Seller's Disclosure Notices -- why every box must be completed by the seller and what happens when it isn't✔️ Showing agreements, Buyer Representation Agreements, and why "time is of the essence" in Texas contracts means contract deadlines are non-negotiable hard datesGrant Harpold is a partner at Buck Keenan LLP in Houston, where he represents corporations, businesses, and individuals in real estate and complex litigation matters. He also serves as legal counsel for the Houston Association of Realtors.Connect with Grant:Email: gharpold@buckkeenan.comDirect: 713.546.2431Firm: 713.225.4500Office: 2229 San Felipe, Suite 1000, Houston, TX 77019Subscribe to The REAL in Real Estate on Apple Podcasts, Spotify, or wherever you listen.

Welcome to The REAL in Real Estate Podcast, your go-to show for real estate success. In this episode, host Jean sits down with returning guest Dr. Noah St. John to discuss how real estate professionals can break through their revenue ceilings.Dr. Noah St. John is recognized as the world's leading authority on Neural Performance and the Human-AI Gap. A TEDx speaker and 27-time published author—the only author in history published by HarperCollins, Hay House, Simon & Schuster, Mindvalley, and Nightingale-Conant—Noah's clients have added more than $3.2 billion in documented revenue growth. He has appeared on over 1,000 media outlets including ABC, NBC, CBS, FOX, and CNN.In this powerful conversation, Dr. Noah introduces the concept of "Zero Friction," explaining how unrecognized problems in your business act like a foot on the brake, slowing down your drive toward success. The conversation tackles the massive elephant in the room: the AI revolution. Addressing the widespread fear that artificial intelligence will replace jobs, Dr. Noah explains why professionals must learn to manage AI rather than fear it. Finally, listeners will learn about the dangers of "head trash"—the self-doubt and internal fears that keep you stuck—and how claiming your power is the first step to massive revenue growth.In this episode, you will learn:✔️ The "Zero Friction" Principle: You will learn how to identify the hidden friction in your business that is slowing your progress, which Dr. Noah likens to driving down the road of life with one foot on the brake.✔️ The Reality of AI Job Security: You will discover that you are not going to be replaced by AI itself; you will be replaced by someone who masters and manages AI.✔️ How to Conquer LLM Invisibility: You will learn why Large Language Models (LLMs) like ChatGPT are essentially "smart seven-year-olds" that synthesize data rather than generate true intelligence, and how using tools like Click Pulse AI can ensure you actually show up when prospective clients search for realtors.✔️ How to Eliminate "Head Trash": You will understand how internal self-doubt (like thinking you are too busy, too old, or lack funds) is the root cause of your business struggles, and how eliminating this "head trash" helped one of Dr. Noah's clients secure $300,000 in commissions in just 12 weeks.Connect with Dr. Noah St. John:Website: Visit noahstjohn.com to explore his one-on-one coaching, group coaching, and online courses like the Power Habits Academy.Free Resources: Download a free executive briefing called The Human AI Gap and book a free "revenue ceiling diagnostic" to audit your business at his website.AI Platform: Access his team's visibility platform at clickpulse.ai.Listen to the full episode now:https://the-real-in-real-estate.captivate.fm/listen