🚀Can you step away from managing rental properties without giving up real estate investing? A 1031 exchange and passive investment options may offer another path.

Natalie Salins, host of Mortgage On My Mind and a top 1% Movement Mortgage loan officer with 20 years of experience helping LA-area buyers navigate real estate financing, welcomes Ashley Romiti, President of GCA 1031. Ashley explains how 1031 exchanges, Delaware Statutory Trusts (DSTs), and Real Estate Investment Trusts (REITs) fit into real estate exit strategies.

For California real estate investors, this conversation explores tax deferral, ownership structures, cash flow, appreciation, liquidity, and the trade-offs of transitioning away from direct property management.

🎧 Hosted by: Natalie Salins

👤 Guest: Ashley Romiti - President of GCA 1031, Ashley specializes in 1031 exchanges and Delaware Statutory Trusts (DSTs). With nearly 15 years of industry experience, Ashley helps property owners explore passive ownership and strategic exchange planning.

What You’ll Learn:

✔️ How a 1031 exchange can defer taxes on qualifying investment property exchanges.

✔️ How DSTs offer fractional ownership in larger real estate assets with fewer day-to-day management responsibilities.

✔️ DST vs. REIT: Differences in ownership, income distributions, liquidity, and exit options.

✔️ How return on equity helps investors evaluate rental property cash flow.

✔️ How to balance cash flow, appreciation, risk, and liquidity when choosing investments.

✔️ Why the 45-day identification deadline matters in a 1031 exchange.

✔️ How oil and gas interests may offer an alternative investment route with different risks and income characteristics.

Key Questions Answered

Q: What is the difference between a DST and a REIT?

A: A DST offers fractional ownership in real estate, while a REIT involves investing in a company that owns real estate.

Q: How long do investors have to identify replacement property in a 1031 exchange?

A: Generally, investors have 45 days after transferring the relinquished property to identify replacement properties.

Q: Can a 1031 exchange help rental property owners reduce management responsibilities?

A: Eligible investors may exchange investment property into a DST to move toward passive ownership and reduce day-to-day management.

🎧 Take the Next Step

California real estate investors: listen before deciding how to transition out of active property management and evaluate your next investment strategy.

⏳ Timestamps:

📌 0:00 - Intro

📌 2:08 - Evaluating a Real Estate Exit

📌 3:03 - How a 1031 Exchange Works

📌 4:20 - DST vs. REIT Ownership

📌 6:17 - DST Income and Holding Periods

📌 8:05 - REIT Distributions and Transparency

📌 10:11 - Cash Flow vs. Appreciation

📌 12:40 - Oil and Gas Investments

📌 14:40 - Tax Basis and Depreciation

📌 17:41 - Common 1031 Exchange Mistakes

📌 18:40 - The 45-Day Deadline

📌 19:51 - Liquidity and Exit Restrictions

📌 22:01 - Choosing an Exit Strateg

💼 Connect with Ashley Romiti:

🌐Website → https://www.gca1031.com/

📘Facebook → https://www.facebook.com/profile.php?id=61584955381648

📷Instagram → https://www.instagram.com/gca1031/

🔗LinkedIn → https://www.linkedin.com/company/gca1031/home/

▶️ Youtube → https://www.youtube.com/@GCA1031

🎧 Follow Natalie Salins:

🌐Website → https://movement.com/lo/natalie-salins

🔗LinkedIn → https://www.linkedin.com/in/natalie-salins-1029583b/?isSelfProfile=false

📷Instagram → https://www.instagram.com/natalie_salins/?hl=en

📘Facebook →: https://www.facebook.com/natalie.salins/

📌 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below!

⭐ Produced by Icons of Real Estate - https://iconsofrealestate.com/

#MortgageOnMyMind #NatalieSalins #MovementMortgage #LARealEstate #CaliforniaMortgage #HomeBuyingTips #FirstTimeHomeBuyer #LoanOfficer #MortgageBroker #RealEstatePodcast

🚀Can your home equity fund retirement without selling your property? Discover how reverse mortgages, tax strategies, and real estate investments may reshape retirement income.

Natalie Salins, host of Mortgage On My Mind and a top 1% Movement Mortgage loan officer with 20 years of experience helping LA-area buyers navigate home financing, welcomes David Reyes, founder of Reyes Financial Architecture. David brings over 30 years of mortgage lending and financial advisory experience, specializing in retirement income planning and portfolio risk management.

Discover how California homeowners and real estate investors can evaluate reverse mortgages, capital gains taxes, 1031 exchanges, and alternative strategies for managing property wealth in retirement.

🎧 Hosted by: Natalie Salins

👤 Guest: David Reyes | Founder of Reyes Financial Architecture, with 30+ years of experience in financial advising and mortgage lending.

What You’ll Learn:

✔️ How reverse mortgages may help eligible retirees access home equity without selling their homes.

✔️ How California capital gains taxes can affect decisions about appreciated real estate.

✔️ How a step-up in basis may reduce taxable gains on inherited property.

✔️ How 1031 exchanges and Delaware Statutory Trusts (DSTs) can provide tax-deferral options.

✔️ How investors may transition away from active property management while planning retirement cash flow.

✔️ How to evaluate real estate returns against the equity tied up in a property.

✔️ How annuities, retirement income, and inheritance goals can influence financial planning.

Key Questions Answered

Q: Can a reverse mortgage help fund retirement without selling a home?

A: David Reyes explains how eligible homeowners may access home equity through a reverse mortgage while deferring required mortgage payments, subject to loan conditions and ongoing obligations.

Q: How can investors defer capital gains taxes when exiting rental property?

A: David Reyes discusses 1031 exchanges and Delaware Statutory Trusts (DSTs) as potential tax-deferral strategies for eligible real estate investors seeking alternatives to direct property management.

Q: How does a step-up in basis affect inherited real estate?

A: David Reyes explains how inherited property may receive an adjusted tax basis, potentially reducing taxable capital gains when beneficiaries sell, depending on applicable tax rules.

⏳ Timestamps:

📌 0:00 – Intro: Reverse Mortgages

📌 1:40 – How Reverse Mortgages Work

📌 5:00 – Home Equity and Retirement Income

📌 6:54 – Capital Gains Taxes and Step-Up in Basis

📌 12:42 – Annuities and Retirement Income

📌 15:14 – 1031 Exchanges and DSTs

📌 20:12 – Real Estate Returns and Equity

📌 24:11 – Real Estate in Retirement

💼 Connect with David Reyes:

🌐Website → https://reyesplan.com/

📘Facebook → https://www.facebook.com/reyesfinancialarchitecture/,

📷Instagram → https://www.instagram.com/reyesfinancialarchitecture/,

🔗LinkedIn → https://www.linkedin.com/company/reyes-financial-architecture/,

▶️ Youtube → www.youtube.com/@ReyesPlan

🎧 Follow Natalie Salins:

🌐Website → https://movement.com/lo/natalie-salins

🔗LinkedIn → https://www.linkedin.com/in/natalie-salins-1029583b/?isSelfProfile=false

📷Instagram → https://www.instagram.com/natalie_salins/?hl=en

📘Facebook →: https://www.facebook.com/natalie.salins/

📌 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below!

⭐ Produced by Icons of Real Estate - https://iconsofrealestate.com/

#MortgageOnMyMind #NatalieSalins #MovementMortgage #LARealEstate #CaliforniaMortgage #HomeBuyingTips #FirstTimeHomeBuyer #LoanOfficer #MortgageBroker #RealEstatePodcast

🚀Can you afford the home you qualify for - or are you stretching beyond what feels comfortable?

How much house can you really afford? A lender can determine what you qualify for, but true affordability depends on spending, income stability, financial goals, and how the home fits into your life.

On Mortgage On My Mind, Natalie Salins, a top 1% mortgage broker with 20 years of experience, helps LA-area and California homebuyers navigate home financing. In this episode, Natalie speaks with Michael Anderson, CFP®, an advice-only financial planner based in Temecula, California, about the financial decisions behind buying a home - not just mortgage approval.

Michael explains why debt-to-income ratios and simple affordability rules cannot capture every buyer’s situation. They discuss income stability, employment, spending habits, housing needs vs. personal preferences, home-price tradeoffs, and whether buyers should let mortgage rate timing influence their decision.

🎧 Hosted by: Natalie Salins

👤 Guest: Michael Anderson

Michael Anderson, CFP®, is an advice-only financial planner based in Temecula, California, with 11 years of experience. He serves clients throughout Southern California and specializes in hourly and project-based financial planning, including home purchases, property taxes, and buying power feasibility.

What You’ll Learn:

✔️ The difference between mortgage qualification and true home affordability.

✔️ How income stability, employment, self-employment, and spending habits affect buying power.

✔️ Why debt-to-income ratios are only one part of the affordability picture.

✔️ How to separate housing needs from personal preferences when setting a budget.

✔️ How to compare home-price scenarios and financial tradeoffs.

✔️ Why your life circumstances and long-term plans matter when considering mortgage rates.

✔️ How long you plan to stay in a home and whether buying fits your overall financial plan.

Key Questions Answered

Q: Is what you qualify for the same as what you can comfortably afford?

A: Not necessarily. Mortgage qualification considers income, debts, and creditworthiness, while true affordability also considers spending, income stability, financial goals, and overall financial comfort.

Q: How can buyers avoid spending more than planned?

A: Separate essential housing needs from preferences and compare different price levels before emotions influence the purchase.

Q: Should you wait for mortgage rates to fall?

A: Rate timing is only one factor. Buyers should also consider why they are buying, how long they plan to stay, and whether the home fits their life and finances.

🎧 Listen to the Full Episode

Get practical mortgage education, home-buying, and financial planning insights from Natalie Salins and Michael Anderson.

⏳ Timestamps:

📌 00:00 - Intro

📌 00:57 - Michael Anderson & Advice-Only Planning

📌 02:45 - How Much Home Can You Afford?

📌 05:33 - Debt-to-Income & Income Stability

📌 06:33 - Spending Habits & Financial Risk

📌 09:54 - Mortgage Qualification vs. Affordability

📌 14:39 - Housing Needs vs. Preferences

📌 21:14 - Buying a Home When Rates Rise

📌 22:10 - Life Circumstances vs. Rate Timing

📌 25:15 - Avoiding Buying Too Much House

📌 30:19 - Final Advice for Homebuyers

💼 Connect with Michael Anderson:

🌐Website → https://www.michaelandersonfinance.com/

🔗LinkedIn → https://www.linkedin.com/in/michael-anderson-cfp/

📷Instagram → https://www.instagram.com/michaelandersonfinance/

📘Facebook → https://www.facebook.com/michaelandersonfinance

🎧 Follow Natalie Salins:

🌐Website → https://movement.com/lo/natalie-salins

🔗LinkedIn → https://www.linkedin.com/in/natalie-salins-1029583b/?isSelfProfile=false

📷Instagram → https://www.instagram.com/natalie_salins/?hl=en

📘Facebook →: https://www.facebook.com/natalie.salins/

📌 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below!

⭐ Produced by Icons of Real Estate - https://iconsofrealestate.com/

On Mortgage on My Mind, Danny Gould shares his transition from residential real estate to structured finance, driven by his ultimate goal of developing a Vegas hotel. He breaks down today's commercial real estate pressures from sharp rate hikes and tight liquidity to bridge loans and personal guarantees. Danny also explains why, despite market headwinds, economic distress creates the best opportunities to build long-term wealth.

🎧 Hosted by: NATALIE SALINS

👤 Guest: DANNY GOULD

Danny Gould is the founder of Gould Capital, a capital markets firm providing structured finance solutions for commercial real estate developers. A Stanford alumnus, he previously built a $250 million residential team and co-founded a $300 million hotel portfolio firm. Danny also hosts the Investing Secrets Podcast, interviewing top experts on institutional strategy.

What You’ll Learn:

✔️Danny Gould is the founder of Gould Capital, providing structured finance solutions for commercial developers.

✔️His primary career North Star from a young age has been developing a hotel on the Las Vegas Strip.

✔️Early in his career, a curiosity about realtor commissions on a multi-million dollar home led him to take his real estate exam immediately.

✔️Transitioning across different real estate sectors requires aligning immediate opportunity vehicles with long-term goals.

✔️Younger generations are entering real estate finance with advanced market awareness and financial acumen.

✔️Navigating market shifts and challenges in regions like Las Vegas creates unique long-term investment windows.

✔️Danny also hosts the Investing Secrets Podcast, interviewing top experts on institutional investment strategies.

💼 Connect with DANNY GOULD:

🔗LinkedIn → https://www.linkedin.com/in/dannygould/

❤️Instagram → https://www.instagram.com/realdannygould/

🎧 Follow NATALIE SALINS:

🌐Website: https://movement.com/lo/natalie-salins

🔗LinkedIn: https://www.linkedin.com/in/natalie-salins-1029583b/?isSelfProfile=false

❤️Instagram: https://www.instagram.com/natalie_salins/?hl=en

📘Facebook: https://www.facebook.com/natalie.salins/

📌 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below!

⭐ Produced by Icons of Real Estate - https://iconsofrealestate.com/

Join Natalie Salins on Mortgage on My Mind as she welcomes veteran banking executive and financial expert Richard Vague. Dive deep into the hard data behind household wealth, national debt, and the staggering inventory shortages affecting home buyers across America. Learn how real estate anchors the entire economy and what it truly takes to fix housing affordability today.

🎧 Listen to the full episode of Mortgage on My Mind now.

🎙 What you'll learn:

• Why household wealth totals $180 trillion and dwarfs the national debt.

• How housing inventory is running roughly half a million units short of national demand.

• The impact of regulatory red tape and local zoning on new home construction.

• Why the housing market is twice the size of commercial real estate.

• How current interest rate trends affect middle-class buyers and market liquidity.

🎧 HOSTED BY: Natalie Salins

👤 GUEST: Richard Vague

President and COO of WidePoint LLC, former Pennsylvania Secretary of Banking and Securities, and renowned economic author.

Richard Vague is the President and COO of Widehall LLC and a veteran finance executive with over 30 years in banking. He previously co-founded First USA and Juniper Bank, served as Pennsylvania's Secretary of Banking and Securities, and currently chairs the state's Public School Employees' Retirement System. An author of several economic books, he also founded the data service Tychos.

👉🏻 CONNECT WITH RICHARD VAGUE

• Website: https://join.tychosgroup.org/

• Youtube: https://www.youtube.com/@richardwvague

• LinkedIn: https://www.linkedin.com/in/richard-vague-68010220/

👉🏻 CONNECT WITH NATALIE SALINS – MORTGAGE ON MY MIND

• Website: https://movement.com/lo/natalie-salins

• Instagram: https://www.instagram.com/natalie_salins/?hl=en

• Facebook: https://www.facebook.com/natalie.salins/

• LinkedIn: https://www.linkedin.com/in/natalie-salins-1029583b/?isSelfProfile=false

✨ Join Host Natalie Salens on Mortgage on My Mind as she chats with Sohail Sadeghi, founder and principal of Atlantis Tax Group and Financial Services.

🎙 In this episode, you'll learn:

✔️ How short-term rentals can provide potential tax benefits

✔️ When an S Corporation may make sense

✔️ What high-income earners should know about tax planning

✔️ How real estate professional status can affect passive income

✔️ Why proper bookkeeping matters

✔️ Why separating business and personal finances is important

✔️ How cost segregation can accelerate depreciation

✔️ Why tax planning should happen throughout the year instead of waiting until tax season

🎧 HOSTED BY: Natalie Salens 👤 GUEST: Sohail Sadeghi – Founder & Principal, Atlantis Tax Group and Financial Services

💡 If you're a high-income earner, business owner, or real estate investor looking for a better understanding of tax planning, this episode is for you.

_____________

👉🏻 CONNECT WITH Sohail Sadeghi:

• Website: https://atlantistaxgroup.com/

• Facebook: https://www.facebook.com/people/Atlantis-Tax-Group-Financial-Services/61561682833674/

• Instagram: https://www.instagram.com/atlantistaxgroup/

• LinkedIn: https://www.linkedin.com/company/atlantis-tax-group

👉🏻 CONNECT WITH NATALIE SALENS:

• Youtube: https://www.youtube.com/@MortgageOnMyMind

• Spotify: https://open.spotify.com/show/3o1mfv7P2hpHQxNaiarM32

• Apple: https://podcasts.apple.com/us/podcast/mortgage-on-my-mind/id1795672357

🛠️ Can California build its way out of the housing shortage? Real estate veteran Jim Osterling joins host Natalie Salins on Mortgage on My Mind to break down state zoning updates, ADU expansions, and new housing models.

In this episode, Jim shares real-world lessons from his projects, including 100% affordable studio housing in Pasadena and innovative duplex ADUs in Cathedral City.

🎙 What you'll learn:

✔️ Housing Supply: Root causes behind California's multi-million unit shortage

✔️ Financing Rules: Why adding a 5th unit shifts loans from residential to commercial

✔️ Zoning Updates: The real-world impact of SB 9 duplexes and SB 1123 townhomes

✔️ Infill Projects: Pasadena affordable studios and Cathedral City duplex ADUs

🎧 HOSTED BY: Natalie Salins

👤 GUEST: Jim Osterling – Founder & Principal, Bridge Realty Advisors

Jim Osterling is the Founder of Bridge Realty Advisors with 46 years of real estate industry experience, including previous roles as CFO for California Pacific Homes and Shea Homes. A former Adjunct Professor at USC, he specializes in real estate development, advisory services, and financial strategy across residential and commercial sectors. .

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👉🏻 CONNECT WITH JIM OSTERLING:

• Email: jimo@bridgeadvisorsllc.com

• Website: http://bridgeadvisorsllc.com/about-us

• LinkedIn: https://www.linkedin.com/in/jim-osterling-2191515/

👉🏻 FOLLOW NATALIE SALINS – MORTGAGE ON MY MIND:

• Website: https://movement.com/lo/natalie-salins

• Facebook: https://www.facebook.com/natalie.salins/

• Instagram: https://www.instagram.com/natalie_salins/

• LinkedIn: https://www.linkedin.com/in/natalie-salins-1029583b

Don’t forget to LIKE 👍 SUBSCRIBE 🔔 COMMENT 💬 below!

💎 Produced by Icons of Real Estate https://iconsofrealestate.com/