RealEstateAF Podcast copertina

RealEstateAF Podcast

RealEstateAF Podcast

Di: Mark A Jones - Co-Founder of LoanBot | Sr. ML #513437
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Educational Podcast for Consumers, Mortgage & Real Estate Industry Professionals. We'll Talk About It All! Key Factors podcast, powered by LoanBot . Your Host Mark Jones invites Industry Pros to help uncover & educate on the key factors of various topics. There’s something for everyone so let us be your guides and get educated. Subscribe & Follow on Spotify, Apple Podcast, Facebook, Instagram, & all other podcasting platforms. Host : Mark A Jones Founder of LoanBot Mobile App & ReviewMyMortgage.com Producing Branch Manger Sr. Loan Officer. NMLS ID# 513437NMLS Consumer Access: http://www.nmlsconsumeraccess.org/Powered by LoanBot - Smarter Mortgage Matching App.

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Episodi
  • Can’t Sell Your House? Should You Rent It Out? | Kevin Rogers

    Can’t Sell Your House? Should You Rent It Out? | Kevin Rogers
    Oct 21 2026
    Send us Fan MailYour house isn’t selling. Should you lower the price—or turn it into a rental?Mark Jones sits down with Kevin Rogers, broker at 43 Realty in the San Antonio area, for an honest conversation about becoming an accidental landlord. They discuss keeping your current home while buying another, evaluating rental cash flow, choosing a property manager, and the responsibilities that come with owning a rental.Kevin shares how property management became a major part of his business, why tenant and vendor relationships matter, and what homeowners should ask before deciding to rent out a house.In this episode:• Selling at a loss versus keeping a property as a rental• Mortgage qualification when you keep your existing home• Cash flow, equity, reserves, and unexpected expenses• Listing a home for sale and for rent• Choosing a property manager and evaluating rental marketing• Treating tenants well and building reliable vendor relationships• Common mistakes first-time landlords makeCONNECT WITH KEVIN ROGERS43 RealtyWebsite: https://www.43realtyteam.com/Contact: https://www.43realtyteam.com/contactEmail: Kevin@43realtyteam.comPhone: 210-943-4343CONNECT WITH MARK JONESReal Estate AF: https://realestateafpodcast.com/Meet Mark: https://meetmarkjones.com/iThink Mortgage: https://ithinkmortgage.com/LoanBot: https://loanbot.com/Real Estate AF = Real Estate AND Finance.Subscribe for honest conversations about homeownership, mortgages, real estate, and the people behind the business.CHAPTERS00:00 Opening thoughts00:29 Welcome to Real Estate AF02:24 Meet Kevin Rogers03:19 Building a brokerage and property management business05:20 The accidental landlord08:55 Listing a home for sale and for rent12:11 Buying another home while keeping your current one14:06 Property management and agent referral relationships15:29 Cash flow versus equity19:05 Selling at a loss or holding the property23:42 Coordinating sale and rental listings29:04 Why isn’t the house selling?32:18 Home values, affordability, and long-term ownership35:07 Refinancing costs and loan terms38:35 Comparing renting and buying40:51 From accidental landlord to intentional investor45:34 Choosing an agent and property manager48:55 Questions to ask about rental marketing51:21 Helping tenants become homeowners54:30 Property management systems and treating tenants well58:28 Vendor relationships and maintenance reserves1:02:56 The story behind “43 Realty”1:05:37 Rapid-fire landlord questions1:10:41 Final takeawaysIMPORTANT CLARIFICATIONS• The $100-per-month example equals $1,200 per year or $3,600 over three years, before other costs.• Rental-income qualification depends on the loan program and documentation. A 75% calculation, when applicable, applies to eligible gross rent—not an automatic removal of 75% of mortgage debt.• Living in a home for two years does not automatically make all sale proceeds or gains tax-free. Eligibility, exclusion limits, and rental-related tax rules apply.• Renters insurance does not replace the property owner’s appropriate coverage or guarantee lower premiums.• Credit Karma offers free credit scores; mortgage lenders may use different scoring models.• NARPM is a professional association, not a government regulator.MORTGAGE & FINANCIAL DISCLOSURESMark Jones, NMLS #513437 | iThink Mortgage, powered by Premier Mortgage Resources, LLC, NMLS #1169 | Equal Housing Lender.NMLS Consumer Access: https://www.nmlsconsumeraccess.org/This episode is for general educational purposes and is not individualized mortgage, investment, tax, legal, or insurance advice. It is not a loan approval, rate quote, or commitment to lend. Loan eligibility and terms depend on credit, income, assets, occupancy, property eligibility, documentation, underwriting, and applicable program requirements. Rates, terms, and programs are subject to change.Rates and financial examples discussed are illustrative or historical, not current offers. Rental income, appreciation, investment returns, and future refinancing are not guaranteed. Consider vacancy, repairs, management fees, taxes, insurance, HOA costs, and reserves. Consult qualified professionals about your circumstances. Any credits or incentives discussed are subject to written terms, eligibility, and lender approval where applicable.Guest views are their own. Mark Jones is the founder of LoanBot, which is discussed in this episode. Educational tools do not replace lender underwriting or professional advice.#RealEstateAF #PropertyManagement #SanAntonioRealEstateSupport the showRealEstateAF is Powered by LoanBot.com Host: Mark Jones | Sr. Loan Officer | NMLS# 513437 If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.
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    1 ora e 12 min
  • Texas Farm & Ranch: What Buyers, Sellers & Agents Get Wrong

    Texas Farm & Ranch: What Buyers, Sellers & Agents Get Wrong
    Oct 2 2026
    Send us Fan MailTexas Farm and Ranch real estate is treated like a niche—but the money, complexity and opportunity say otherwise.In Real Estate AF EP 167, Mark Jones sits down with returning guests Michael Schultz and Brianna Jones to break down what buyers, sellers and agents misunderstand about Texas land.They compare what $1 million, $5 million and $20 million can buy; explain why ranch transactions take longer than home sales; and unpack appraisals, Farm Credit financing, water, minerals, easements, improvements, ag and wildlife valuation, off-market opportunities and contract details that can cost someone six figures.IN THIS EPISODE• Why farm and ranch is overlooked and under-taught• Brianna joining Michael’s team• What actually makes a property a ranch• What $1M, $5M and $20M buys across Texas• The “Yellowstone effect” and rural demand• How AI data centers and water concerns affect land• Why ranch appraisals and financing work differently• Farm and Ranch Contract provisions, minerals and accessories• Access, easements, surveys and other six-figure mistakes• Ag versus wildlife valuation and property-tax impact• First-time buyer preparation and seller strategy• The hot take: are residential agents costing ranch sellers money?• Why water rights may become the real asset• Rapid-fire Texas ranch preferencesGUESTSMichael SchultzAssociate Broker | Texas Farm & Ranchhttps://texasranchsalesllc.com/our-team/michael-schultz/Brianna JonesFarm & Ranch Realtor | Michael Schultz’s teamTexas Ranch Saleshttps://texasranchsalesllc.com/HOSTMark Jones | NMLS #513437Host, Real Estate AFSenior Mortgage Loan Officer | Branch ManageriThink Mortgage powered by Premier Mortgage Resourceshttps://MortgageTalkWithMark.com/POWERED BY LOANBOThttps://myloanbot.ai/CHAPTERS00:00 Get Better Every Day — Cold Open00:32 Welcome: Texas Farm & Ranch01:29 Meet Michael Schultz & Brianna Jones03:28 Why Ranch Transactions Take Longer05:21 Brianna Joins Michael’s Team09:05 Why Farm & Ranch Is Overlooked11:06 Referrals, Reputation & Ranch Marketing15:29 What Actually Counts as a Ranch?18:03 What $1M, $5M & $20M Buys33:13 The Yellowstone Effect34:02 Texas Rural-Land Market Reality37:02 AI Data Centers, Land & Water44:10 Appraisals, Cash Buyers & Farm Credit46:14 Ranch Financing and Contract Strategy47:02 Water, Minerals & Subsurface Rights49:31 What the Farm and Ranch Contract Covers53:11 Buyer Mistakes That Can Cost Six Figures55:01 Why New Agents Should Not Go It Alone58:45 Ag vs. Wildlife Valuation1:02:10 How Valuation Affects Property Taxes1:05:00 First-Time Ranch Buyer Advice1:07:08 Seller Advice Before Listing1:08:43 Hot Take: Residential Agents Listing Ranches1:10:56 Why Water Rights Matter1:14:48 Rapid Fire1:18:09 Final TakeawaysQUESTION FOR YOUWhat is the most overlooked issue when buying Texas land: water, access, minerals, taxes, financing or the agent’s experience?Comment below, subscribe and share this episode with someone considering acreage, a hunting property, a working ranch or a legacy land purchase.IMPORTANT DISCLOSURESThis content is for educational and entertainment purposes only. It is not legal, tax, financial, appraisal, engineering, environmental, agricultural, real estate or individualized mortgage advice.Nothing presented is a commitment to lend, loan approval, rate quote, rate lock, Loan Estimate, offer of credit or guarantee of terms. Mortgage and land-loan programs, rates, costs, guidelines and availability may change without notice. Financing is subject to borrower qualification, credit and property approval, verified documentation, underwriting, collateral review and program availability. Not all applicants or properties will qualify.Texas land, water, mineral, access, easement, tax-valuation and contract issues are property-specific. Consult licensed attorneys, tax professionals, surveyors, engineers, appraisers, lenders and land specialists before acting. “Ag exemption” and “wildlife exemption” are common terms; eligibility, filing and tax treatment vary by property and appraisal district.Guests speak for themselves. Their opinions and transaction stories do not necessarily represent Mark Jones, iThink Mortgage, Premier Mortgage Resources, LoanBot or any affiliated organization. No compensation is paid or received for referrals, endorsements or podcast appearances unless disclosed. No referral or settlement-service arrangement is intended or offered in violation of RESPA or applicable law.LoanBot is an educational mortgage technology resource. It does not approve loans, make credit or underwriting decisions, guarantee eligibility or replace a licensed mortgage professional.Mark Jones | NMLS #513437iThink Mortgage powered by Premier Mortgage Resources, LLC | NMLS #1169Equal Housing Lender#RealEstateAF #TexasLand #FarmAndRanchSupport the showRealEstateAF is Powered by LoanBot.com Host: Mark Jones | Sr. Loan Officer | NMLS# 513437 If you would like to work with...
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    1 ora e 17 min
  • What Kinda Genius Are You? The 6 Types of Working Genius

    What Kinda Genius Are You? The 6 Types of Working Genius
    Sep 16 2026
    Send us Fan MailStop Forcing Work That Drains You: Find Your Working GeniusWhat kind of work gives you energy—and what quietly drains your battery?In Real Estate AF Episode 166, Mark Jones sits down with Giancarlo Anduray, a Phoenix Branch Manager and mortgage leader, to break down The 6 Types of Working Genius and apply the framework to real estate, mortgage sales, leadership, hiring, partnerships, marriage and burnout.Giancarlo walks Mark through his assessment in real time. The result explains why Mark naturally builds systems, solves problems and questions inefficiency—and why repetitive support tasks can drain him even when he can do them well.THE SIX TYPES• Wonder — identifies a need for improvement or change• Invention — generates ideas and solutions• Discernment — evaluates whether an idea will work• Galvanizing — creates enthusiasm and action• Enablement — supports implementation• Tenacity — drives work through completionIN THIS EPISODE• Why being different does not mean you are broken• Joy versus short-term motivation• Genius, competency and working frustration• Why talented people can be trapped in the wrong role• Hiring and retaining complementary people• Why one sales activity energizes one person and drains another• Mark’s Invention + Discernment pairing• Reducing conflict at work and at home• Building teams and referral partnerships around natural strengths• A real-estate YouTube success story created by changing the activity—not the personGUESTGiancarlo AndurayBranch Manager | NMLS #1537433Premier Mortgage Resources, LLC | NMLS #1169623-552-4191https://www.pmrloans.com/loan-officer/giancarlo-anduray/WORKING GENIUS RESOURCEhttps://www.workinggenius.com/HOSTMark Jones | NMLS #513437Host, Real Estate AFSenior Mortgage Loan Officer | Branch ManageriThink Mortgage powered by Premier Mortgage Resourceshttps://MortgageTalkWithMark.com/https://www.youtube.com/@MortgageTalkwithMarkPOWERED BY LOANBOThttps://myloanbot.ai/CHAPTERS00:00 Get Better Every Day — Cold Open00:32 Welcome to Real Estate AF01:17 Meet Giancarlo Anduray02:09 Why Working Genius Matters in 202604:22 Joy vs. Happiness07:19 How Giancarlo Found Working Genius10:16 Conflict, Expectations & Self-Awareness13:39 Hiring Complementary People15:49 Mark Takes the Assessment16:44 Genius, Competency & Frustration20:08 Wrong Role—or Wrong Person?21:54 Wonder24:31 Invention26:25 Discernment30:51 Galvanizing34:18 Enablement38:39 Tenacity41:10 Why Teams Need All Six43:36 Mark’s Results: Invention + Discernment48:18 Competency, Burnout & Regulation51:41 Working Genius at Home54:42 Frustrations, Adaptations & Leadership59:52 Mark’s Unique Pairing1:02:42 Giancarlo’s Pairing & Complementary Teams1:05:39 Referral Partners & Team Fit1:06:26 The YouTube Success Story1:08:54 Applying Working Genius1:10:34 How to Reach Giancarlo1:11:30 Final Takeaways1:15:00 ClosingQUESTION FOR YOUWhich type sounds most like you: Wonder, Invention, Discernment, Galvanizing, Enablement or Tenacity?Comment below, then send this episode to the teammate, spouse or business partner whose strengths are completely different from yours.IMPORTANT DISCLOSURESThis content is for educational and entertainment purposes only. It is not legal, tax, financial, psychological, employment, human-resources, real estate or individualized mortgage advice. Working Genius is a workplace-development framework, not a clinical diagnosis or substitute for licensed medical or mental-health advice.The 6 Types of Working Genius®, Working Genius® and related terminology are associated with Patrick Lencioni and The Table Group. This independent podcast discussion is not sponsored by or affiliated with The Table Group unless expressly stated.Nothing presented is a commitment to lend, loan approval, rate quote, rate lock, Loan Estimate, offer of credit or guarantee of terms. Mortgage programs, rates, costs, guidelines and availability may change without notice. All loans are subject to qualification, credit and property approval, verified documentation, underwriting and program availability. Not all applicants or properties will qualify.Guests speak for themselves. Their views do not necessarily represent Mark Jones, iThink Mortgage, Premier Mortgage Resources, LoanBot or any affiliated organization. No compensation is paid or received for referrals, endorsements or podcast appearances unless disclosed. No referral or settlement-service arrangement is intended or offered in violation of RESPA or applicable law.LoanBot is an educational mortgage technology resource. It does not approve loans, make credit or underwriting decisions, guarantee eligibility or replace a licensed mortgage professional.Mark Jones | NMLS #513437Giancarlo Anduray | NMLS #1537433Premier Mortgage Resources, LLC | NMLS #1169Equal Housing Lender#RealEstateAF #WorkingGenius #LeadershipSupport the showRealEstateAF is Powered by LoanBot.com Host: Mark Jones | Sr. Loan ...
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    1 ora e 15 min
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