Shows
Finding Mr. Height: The Podcast224. The Fourth Dating Diaries One ft. CaeliOur Diary Dater Caeli re-joins us on the pod after a whirlwind couple of weeks in her life, from a big interview to a new job. Ali & Caeli revisit a first date that never materialized into a second and debate Caeli’s potential next steps. Then, the two dive into Caeli’s Bumble and chat opening lines, messaging approach, and how to avoid getting overwhelmed by too many matches. Through it all, we may have identified a pattern that Caeli would like to work on as she moves forward!In Updates, Ali is back from...
2025-06-021h 06Finding Mr. Height: The Podcast214. The First Dating Diaries One: Introducing CaeliIt’s our very first Dating Diaries episode, a new segment following listeners along their dating journeys. We’re kicking things off with two listeners, and our first Diary Dater is Caeli, a 32-year-old living in the Chicago suburbs who is ready to start dating intentionally. In this intro episode, you’ll learn more about Caeli’s story including her dating history (and some nicknames), what she’s looking for, her current dating goals/challenges, and more. Stay tuned in future episodes as we follow along with Caeli’s dates and help her get some outside guidance.Bu...
2025-03-241h 12
Calling All Real Estate InvestorsSelf Employed Income Calculation Crash CourseThe 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-caeliAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2024 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS...
2024-03-1215 minCalling All Real Estate InvestorsRemote Real Estate Investing: Pros, Cons & TipsCaeli Ridge recorded this episode on 2/20/2024 Remote Real Estate Investing : Pros, Cons & TipsCaeli 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/RidgeLendingGroupYou can join these live by following this link to join the call:ht...
2024-02-2133 minCalling All Real Estate InvestorsWhen is the Right Time to Refi? Let’s do the Math!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...
2024-02-0734 minCalling All Real Estate InvestorsGuest Speaker Sam Parker with My Credit GuyCaeli 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 h...
2024-01-2453 minCalling All Real Estate InvestorsCreative Financing Strategies for Non-Owner Occupied PortfoliosCaeli 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/RidgeLendingGroupYou can join these live by...
2024-01-0343 minCalling All Real Estate InvestorsRisk Management: Understanding Through a Lenders PerspectiveCaeli 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.
2023-12-2121 minCalling All Real Estate InvestorsStaying Consistent Long After the New Years Resolutions are ForgottenCaeli 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 o...
2023-12-1349 minCalling All Real Estate InvestorsHow to Confirm Property Taxes via County Tax AssessorCaeli 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 s...
2023-11-2948 minCalling All Real Estate InvestorsGuest Speaker Alex Hines- How to Turn $40K into a $160K Investment Property & Get Passive Income !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...
2023-11-0646 minCalling All Real Estate InvestorsHow to Prepare for Year-End-Investor Push for Tax Write-OffsEdit DeleteHow to Prepare for Year-End-Investor Push for Tax Write-Offs DescriptionCaeli 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 no...
2023-10-1831 minCalling All Real Estate InvestorsNew Product Alert! Cross Collateralization Line of Credit for Investment PropertiesCaeli 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) + 5.25Time to...
2023-10-0305 minCalling All Real Estate InvestorsGuest Speaker Daniel Paloscio with SEP CapitalCaeli Ridge recorded this episode on 9/19/2023Guest 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 work...
2023-09-2056 minCalling All Real Estate InvestorsuDirect IRA Services with Kaaren HallCaeli Ridge recorded this episode on 9/5/2023uDirect 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...
2023-09-0639 minCalling All Real Estate InvestorsThe Income Snowball with Special Guest Tanisha SouzaCaeli Ridge recorded this episode on 8/29/2023The Income Snowball with Tanisha Souza from Tardus Wealth StrategiesTanisha 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...
2023-08-301h 00Calling All Real Estate InvestorsAmortized vs. Interest Only LoansCaeli Ridge recorded this episode on 8/15/2023Amortized vs. Interest Only LoansThis 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/ezHbjDy5iDoQ&A throughout the episode on these topics and more!
2023-08-1651 minCalling All Real Estate InvestorsDSCR vs. Conventional Loans & How to Compare Percentages of LTV's.Caeli Ridge recorded this episode on 8/1/2023DSCR 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...
2023-08-0240 minCalling All Real Estate InvestorsRecourse Vs. Non-Recourse Loans & a Surprise!Caeli Ridge recorded this episode on 7/25/2023Recourse vs. Non-Recourse LoansCaeli 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 f...
2023-07-2637 minCalling All Real Estate InvestorsShort Term Rental Tips and TricksCaeli Ridge recorded this episode on 7/18/2023Short 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://ridge...
2023-07-1925 minCalling All Real Estate InvestorsTo Pay or Not to Pay Points, That is the QuestionCaeli Ridge recorded this episode on 7/11/2023To 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 po...
2023-07-1256 minCalling All Real Estate InvestorsTop 10 Things TO DO During a Loan TransactionCaeli Ridge recorded this episode on 6/27/2023Caeli 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 docu...
2023-06-2849 minCalling All Real Estate InvestorsTop 10 Things TO NOT DO During a Loan TransactionCaeli Ridge recorded this episode on 6/20/2023Caeli 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/
2023-06-2124 minCalling All Real Estate InvestorsCash Out Refi Rules- Pop Quiz!Caeli Ridge recorded this episode on 6/13/2023During 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.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/listAs always, give Ridge Lending Group a c...
2023-06-1442 minCalling All Real Estate InvestorsDifferent Credit Requirements for Investor LoansCaeli Ridge recorded this episode on 6/6/2023During 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.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/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4...
2023-06-0618 minCalling All Real Estate InvestorsGuest Speaker John Dingeman: Expert Appraisal DiscussionCaeli Ridge hosted this episode on 5/16/2023Guest 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.You can join these live ea...
2023-05-1759 min
ChantHacksEp 5 - Regina Caeli, Part 1 (ONM)[Update 1: Video of Ep5 now on VocalArt.ca (Youtube) & ChantHacks (Rumble). ChantHacks (Youtube should be up tomorrow.][Update 2: LIfeFunder.com/mdonnellymusic is back working! Please consider supporting our work producing Music for God, for Souls!]This is Part 1 of 2 on the Regina Caeli. In this episode, I present the Organum Novi Mundi of the simple Regina Caeli. Along the way I discuss the similarities and difference of ONM as compared to Anglican Chant.Regina Caeli (chant)Regina Caeli (ONM)
2023-05-1510 minCalling All Real Estate InvestorsPart #2- Certified Power Buyer CallsCaeli Ridge recorded this episode on 5/9/2023This 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'sand Overall Strategy & Planning (Video Call #4). Check out t...
2023-05-0811 minCalling All Real Estate InvestorsPart #1- Certified Power Buyer CallsCaeli Ridge recorded this episode on 5/2/2023This 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...
2023-05-0110 minCalling All Real Estate InvestorsPart 2 : Important Property Review Mistakes and How to Avoid ThemCaeli Ridge hosted this episode on 4/25/2023Last 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.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-p...
2023-04-2652 minCalling All Real Estate InvestorsImportant Property Review Mistakes and How to Avoid ThemCaeli Ridge hosted this episode on 4/18/2023Learn 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/listAs al...
2023-04-1945 minCalling All Real Estate InvestorsWe Need Your Investor Investment ProfileCaeli Ridge hosted this episode on 4/11/2023Caeli 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:ht...
2023-04-1242 minCalling All Real Estate InvestorsNo Doc Loans are Back (April Fools) but Let's Discuss our Creative Loan ProgramsCaeli Ridge hosted this episode on 4/4/2023On 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 b...
2023-04-0546 minCalling All Real Estate InvestorsWhy Diversification in Your Real Estate Portfolio MattersCaeli Ridge hosted this episode on 3/28/2023In 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/listAs always, give Ridge Lending Group a c...
2023-03-2954 minCalling All Real Estate InvestorsWhat is the Biggest Fear Holding You Back From Investing in Real Estate Right Now?Caeli Ridge hosted this episode on 3/21/2023What 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 doc...
2023-03-2134 minCalling All Real Estate InvestorsWhat Will Jerome Powell (Fed Chair) Tell Us on March 21st?Caeli Ridge hosted this episode on 3/14/2023The 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/e...
2023-03-1446 minCalling All Real Estate InvestorsThe Importance of Credit. The Myths and the Realities.Caeli Ridge hosted this episode on 3/7/2023You 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
2023-03-0837 min
Windenergie.Macher#2 - Windkraftflächen unterm Hammer: Wie Caeli Wind die Flächenakquise digitalisiert
Willkommen zur zweiten Episode des Energiewende.Macher-Podcasts! Für diese Episode haben wir einen ganz besonderen Gast eingeladen, den ihr vielleicht schon kennt, wenn ihr Bernd verfolgt - nämlich den liebenswerten Heiko Bartels, CEO von Caeli Wind! Caeli Wind ist der Online-Marktplatz für Windkraftflächen.
In dieser Folge werdet ihr wieder eine Vielfalt an Themen erleben. Heiko wird uns erklären, was genau hinter Caeli Wind steckt und was ihn dazu bewogen hat, das Unternehmen zu gründen. Dabei wird er uns einen Einblick in die Höhen und Tiefen der letzten Monate geben.
Wir w...
2023-03-081h 18Calling All Real Estate InvestorsHacks and Important Tips for Cash-Out Refi'sCaeli Ridge hosted this episode on 2/28/2023Here 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/listAs always, give Ridge Lend...
2023-03-0150 minCalling All Real Estate InvestorsPreparing to Become a LandlordCaeli Ridge hosted this episode on 2/21/2023Here is what she covered at this event:Accounting and Tax ConsiderationsLegal ConsiderationsDaily and Monthly Activities you will want to performA Qualified Team of Professionals to help youOpen 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...
2023-02-2137 minCalling All Real Estate InvestorsGetting Ready for the Spring Market as a Real Estate InvestorCaeli Ridge hosted this episode on 2/14/2023Here 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...
2023-02-1543 minCalling All Real Estate InvestorsReviewing the All-in-One - Part 1Caeli Ridge hosted this episode on 2/7/2023Here 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 aboutCheck 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/listAs always, give Ridge Lending Group a call if you have any questions at 855...
2023-02-1311 minCalling All Real Estate InvestorsReviewing the All-in-One - Part 2Caeli Ridge hosted this episode on 2/7/2023Here 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 mortgageCheck 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/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343...
2023-02-1307 minCalling All Real Estate InvestorsReviewing the All-in-One - Part 3Caeli Ridge hosted this episode on 2/7/2023Here is what she in this part of the event:Review of the results and what they meanAnswering questions from the live group throughout the eventCheck 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/listAs always, give Ridge Lending Group a call if you have any questions at 855-747...
2023-02-1332 minCalling All Real Estate InvestorsReviewing the All-in-One and Running the Simulator to Show the Savings against a 3.5% 30-year Fixed Rate MortgageCaeli Ridge hosted this episode on 2/7/2023Here is what she covered at this event:A brief reminder to focus on what the All-in-One is first position HELOC is all aboutEntering in data to compare the All-in-One loan against a 3.5% 30-year fixed rate mortgageReview of the results and what they meanAnswering questions from the live group throughout the eventCheck 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:
2023-02-0851 minCalling All Real Estate InvestorsUsing an LLC in connection with your Application and all about the All-in-One loan programCaeli Ridge hosted this episode on 1/31/2023Here is what she covered at this event:What you can do when using your LLC in connection with your mortgage loan applicationsAll about the All-in-One loan programCheck 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/listAs always, give Ridge Lending Group a call if you...
2023-02-0143 minCalling All Real Estate InvestorsConcepts for preparing to file your 2022 Tax Return and how that could affect your mortgage applicationCaeli 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 EDiscussed how to prepare your information for your tax preparer to help you the mostHelped understand some pitfalls when preparing your Federal Tax ReturnCheck out the video with the screen share and the documentation in the Community.You can join these live each week by...
2023-01-2536 minCalling All Real Estate InvestorsHow to be prepared to purchase today and what others have done to be preparedCaeli 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...
2023-01-1845 minCalling All Real Estate InvestorsHousing Sales Crash, Mortgage Rate Prediction with Caeli Ridge and Keith WeinholdCaeli'e interview begins at the Chapter Marker of 11:30A 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, cons...
2022-11-1842 minCalling All Real Estate InvestorsBonus: Can Rentals Still Cash Flow With Higher Interest Rates?This is a special podcast Caeli did with Dan LaneRental Income Podcast With Dan LaneINFORising 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...
2022-11-1020 minCalling All Real Estate InvestorsReviewing a 1040 Schedule E as a Lender would with Caeli RidgeLarry 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 wouldEncouraged you to get your mortgage application into Ridge Lending Group in time to close this yearCheck 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...
2022-11-0839 minCalling All Real Estate InvestorsReviewing a Residential AppraisalLarry 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&AReviewing a Residential AppraisalCheck 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/listAs always, give Ridge Lending Group a call...
2022-11-0143 minCalling All Real Estate InvestorsMarket News, Physical Property Reviews, and Waiting vs. Not WaitingLarry 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&ACurrent Market NewsPhysical Property ReviewsWaiting 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...
2022-10-2644 minCalling All Real Estate InvestorsCross-Collateralization loans and Caeli reviews a Community member's potential real estate investment for pros and consLarry 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&AReviewing a new loan program that allows for cross-collateralizationA community member brought a property to Caeli to review. She provided invaluable insights on how to review the property for investmentCheck out the video with the screen share and the documentation in the Community.
2022-10-1944 minCalling All Real Estate InvestorsHarvesting Equity, Non-QM, All-in-One highlights, and "What to do in this market"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&AReasons and methods for cashing out (harvest equity)Owner-occupied loan optionsHere are some highlights:1. Borrowed funds are non-taxable2. Non-QM is available in OH and 46 other states with Ridge Lending Group
2022-10-1240 minCalling All Real Estate InvestorsAll about Cost Segregation and why you need to know about it!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 ot...
2022-09-281h 15Calling All Real Estate InvestorsAll about Owner-OccupiedLarry Bailey and Caeli Ridge host this episode and they talk about:Loan Programs for Owner Occupied homesConventionalFHAVAUSDAHELOCConstruction LoansAnd more...Interest Rates for Owner Occupied homes More volatile and best pricingEnhanced processing, underwriting, and closing for Owner Occupied homesUsually 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/ev...
2022-09-2141 minCalling All Real Estate InvestorsUsing an LLC, Non-Recourse Loans, Making it in this Market, and a Future GuestLarry 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 showFannie Mae and Freddie Mac "Due on Sale " ClauseCaeli reminds you about how to set up the best way to capture the most money from your property "ARV" - After Rehab ValueCheck out the video with the screen share and the documentation in the Community.You can jo...
2022-09-1342 minCalling All Real Estate InvestorsKeeping up to date with Real Estate Investing as of early September 2022Larry Bailey and Caeli Ridge host this episode, and she talks about:Caeli discusses current market conditions for the value of your homeCurrent interest rates can try to undermine your efforts in investingEquity Harvesting - now is the time to do itOwner-Occupied loan programs that are availableFixed versus ARM (Adjustable Rate Mortgage) productsFull Amortization versus Interest OnlyDiscussion 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...
2022-09-0746 minCalling All Real Estate InvestorsGeneral Discussion TodayLarry Bailey hosts this episode and he talks about:General open questions and answersMortgage Market MeltdownPersonal SituationsThe All-in-One loan programSweep Account usageExplaining ARMs - Adjustable Interest RatesShort-Term versus Long-Term RentalsYou 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/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2022 Geneva F...
2022-09-0748 minCalling All Real Estate InvestorsA Full breakdown of the All-in-One SimulatorLarry Bailey and Caeli Ridge host this episode and they talk about:Open Questions and AnswersFull breakdown of the All-in-One SimulatorCheck 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/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com Copyright ©2022 Ge...
2022-09-071h 03Calling All Real Estate InvestorsCaeli's FIRST show on her own - Secured vs. Unsecured Line of Credit and other topicsCaeli Ridge hosts this episode and she talks about:Secured vs. Unsecured Line of CreditOpen Questions and AnswersQuality of Investments when working with TurnKeys2nd Lien HELOCs for Investment PropertiesBuying down your interest ratesNegotiating 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
2022-09-0743 minCalling All Real Estate InvestorsReviewing Community QuestionsLarry Bailey hosts this episode, and he reviews some Community questions:The Process of changing an owner-occupied into an investment propertyCost Segregation practices/strategies1031 ExchangesDealing with a Lender that limits your limits on lending based on your financed propertiesSome other great informationCheck 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/listAs always, give Ridge Lending Group a...
2022-09-071h 00Calling All Real Estate InvestorsHow to Get Ready for your next Long Term RentalLarry Bailey and Caeli Ridge host this episode and they talk about:Getting ready for your next Long Term RentalNeighborhoodProperty ClassTenant PoolIndustrySchoolsAgeMany, 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/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com
2022-09-0739 minCalling All Real Estate InvestorsUsing Short Term Rental history to qualify and a personal story/situation from a Community MemberLarry Bailey hosts this episode and he talks about:Financing homes with exclusively Short Term Rental historySetting and reviewing your goals for 2022KUDOS to Nichole Rich-Byrne for sharing her personal story/situationCheck 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/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or...
2022-08-0835 minCalling All Real Estate InvestorsAll kinds of topics and live discussionsCaeli Ridge and Larry Bailey host this episode and we talk about:Having a Summer Book ClubNominationsThe Changing World OrderOne Rental At A Time: The Journey to Financial Independence through Real EstateCross-Collateralization (AKA Blanket Loans)Closing in the name of your LLCNon-Recourse loansTransferring your deed from yourself to your LLC after closingUsing the "Income Approach" for the value of your propertyRemembering how the "All-in-One" loan works - as a "Sweep" accountCaeli's favorite slogan - "The Math Won't Lie"Check out the video with the screen share and the documentation in the Community....
2022-07-2248 minCalling All Real Estate InvestorsNon-QM Loan Programs explained in detail (LTV, Credit Scores, etc.)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" LoansStreamline Jumbo Loans"D-Series" LoansCheck 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/listAs always, give...
2022-07-2032 minCalling All Real Estate InvestorsEvaluating your strategy for your next Investment PropertyCaeli 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 RentalShort-Term RentalAppreciation to SellBRRRRProperty ManagementWe 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/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343...
2022-07-0636 minCalling All Real Estate InvestorsWhy you should be reviewing your real estate portfolio and ideas to make it growCaeli 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 portfolioPlanning to grow your portfolioDifferent kinds of loan programs you should considerHow the Certified Power Buyer® program helps you prepare for your next purchasesAn open Q&A sessionYou 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/listAs always, g...
2022-06-2954 minCalling All Real Estate InvestorsHow to Qualify and Prepare for your Next Investment PropertyCaeli 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 investmentRidge Lending Group is not a one-size-fits-allFannie/FreddieDSCRBank StatementsITN1099Ideas for "finding" money for investmentsJoint VentureLine of Credit or Cash-Out Refinance your primary home or investment propertyOther People's Money (OPM) and leverageUse your LLC and record a lien to make the refinance a Rate/Term refinanceAdjustable Rate Mortgages should be strongly considered nowListener question - What could be the best choice of h...
2022-06-2234 minCalling All Real Estate InvestorsMarket Wrap Review for the Week of 6-13-2022Larry 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/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com Copyright ©2022 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML4205...
2022-06-2114 minCalling All Real Estate InvestorsAll about today's rates and how rates can affect your investing decisionsCaeli 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 MortgagesHow rates actually affect your cashflowQ&A topicsUsing a Debt Service Coverage Ratio loan for a purchaseHow 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 ARMCashflow is still important, even if it is just a little negativeCaeli's COVID experienceYou can join these live each week by following this link to join...
2022-06-1543 minCalling All Real Estate InvestorsMarket Wrap for the Week review - 5-31-2022Larry 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/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com Copyright ©2022 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal...
2022-06-0848 minCalling All Real Estate InvestorsLearning all about how Lenders use LTV and DTI to qualify you for your next mortgageLarry 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/listAs...
2022-06-0839 minCalling All Real Estate InvestorsMarket Talk, LTVs, Pre-Approvals, and W/2 vs 1099 incomeLarry 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/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2022 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights...
2022-05-2535 minCalling All Real Estate InvestorsCaeli shares her story of being a Real Estate InvestorCaeli 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/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com...
2022-05-1942 minCalling All Real Estate InvestorsReviewing non-traditional loan programsLarry 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/listAs 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...
2022-05-1940 minCalling All Real Estate InvestorsFinding and Preparing for Your Next PurchaseLarry 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 moreYou 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/listAs always, g...
2022-05-0452 minCalling All Real Estate InvestorsReviewing when it makes sense to refinance (goals, costs, terms) 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/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com Copyright ©2022 Geneva Financial, LLC, DBA Ridge Lending GroupN...
2022-04-2640 minCalling All Real Estate InvestorsThe BRRR Method explainedCaeli Ridge discusses all about The BRRR Method. In this episode Caeli reviews Using the BRRR method you will need to:BuyRehabRentRefinance (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.comCopyright ©2022 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights ReservedPrivacy Policy | Legal Disclosure | Consumer Access | Texas Mortgage Notice
2022-04-1450 min
Aurora Caeli - Weise Worte Weiterdenken#8 Du bist nicht allein - Im Gespräch mit Jennifer SubkeLiebe Zuhörer,
willkommen zurück bei Aurora Caeli - wir haben wieder einen tollen Gast zu präsentieren!
Als sehr junge, aber unglaublich hochgebildete Psychologin wirkt Jennifer Subke inzwischen auch als selbstständige Therapeutin und hilft Menschen, in ihr Gefühl zu kommen und damit psychische Probleme zu beheben oder sie zu verhindern, um im Leben mehr erreichen zu können. Was ist ein erfülltes Leben? Wie einfach sind wir durch die Vergangenheit zu triggern? Diesen und mehr Fragen sind wir mit Jenni auf den Grund gegangen.
Wir hoffen, euch gefällt Epis...
2022-04-0635 minCalling All Real Estate InvestorsExplaining Credit Reports and Credit ScoresCaeli 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 scoresHow the credit scores can changeHow a credit score can affect your mortgage applicationHow a credit score can affect your mortgage interest rateQ & A from the groupAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com Copyright ©2022 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS...
2022-04-0642 minCalling All Real Estate InvestorsAll In One Loan Program Overview - Part 2 of 2Caeli 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 worksWhy the AOI loan calculations change the way they doWhen the AOI is a good choiceWhen the AOI is not a good choiceLive example of combining 2 existing loans together into 1 AOI loanSome general Q&ATune into the previous episode for more details and using the All-In-One Simulator on 3-15-2022As a...
2022-03-2348 minAurora Caeli - Weise Worte Weiterdenken#6 Newsflash - Der Krankheitsminister und explodierende Spritpreise | Nolens VolensWillkommen zurück bei Aurora Caeli, liebe Zuhörer!
In dieser Folge haben wir uns am Sonntag, den 20.3.22 wieder einmal zu dritt zusammengefunden, das heißt Sammy, Tristan und Lukas im Gespräch über das Zeitgeschehen. Wir haben wieder Artikel beispielsweise zu Oskar Lafontaine, Künstlicher Intelligenz und Krankheitsminister K.L. besprochen und auch schlichtweg aktuelle Entwicklungen zum Thema gemacht, um Nachrichten nachzurichten und euch daran teilhaben zu lassen.
Wir hoffen, euch gefällt auch die zweite Folge unseres Formats #nolensvolens!
#podcast #nachrichten
2022-03-231h 02Calling All Real Estate InvestorsAll In One Loan Program Overview - Part 1 of 2Caeli 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 programWhat kinds of properties can you use it againstReasons why it is a good loan for youReasons why it is not a good loan for youGeneral Use Cases as examplesSome general Q&ATune into the next episode for more details and using the All-In-One SimulatorAs always, give Ridge Lending Group a call if you have any questions at 855-747-4...
2022-03-1747 minCalling All Real Estate InvestorsBeyond Fannie Mae and Freddie MacCaeli 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 MacBank StatementsAsset DepletionDSCR (Debt Service Coverage Ratio loan)Interest OnlyMortgage History 1x30x121099sBank Statements OnlyAlt-DocForeign NationalClosing in LLCBridge loansCommercialIn-house with questionnaireMixed-UseAs always, give Ridge Lending...
2022-03-0948 minAurora Caeli - Weise Worte Weiterdenken#3 Stressfrei leben - Adrian Garn im GesprächLiebe Aurora-Caeli-Hörer,
in unserer neuen Podcastepisode war mit Adrian Garn ein absoluter Experte auf dem Gebiet der Stressbewältigung unser Gast. Mit ihm haben wir über Arten von Stress gesprochen und wie man diesen bekämpfen und folglich entspannter durchs Leben gehen kann.
Ihr findet Adrian auf Instagram unter: https://instagram.com/medi_mind?utm_medium=copy_link
Wir hoffen, euch gefällt diese ausgesprochen kurze, aber inhaltsreiche Folge 😊
#stressbewältigung #podcast #burnout
__
Folgt uns auf Insta, TikTok, Facebook & Twitter!
Abonniert uns auf YouTube, Spotify u...
2022-03-0122 minCalling All Real Estate Investors5 Questions Answered from Live with CaeliThese 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=manualHere 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...
2022-03-0107 minCalling All Real Estate InvestorsUsing a non-income spouse or partner to qualify for their own financingThis 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
2022-02-2333 min2022-02-1733 min2022-02-1742 minCalling All Real Estate InvestorsLearn how to review a Schedule E tax form the way a Mortgage Underwriter does to help with your Mortgage ApplicationsLearn 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.
2022-02-1649 minCalling All Real Estate InvestorsHow to create and manage your plan to be a Real Estate InvestorHello 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.
2022-02-1646 minCalling All Real Estate InvestorsConforming Loan Limits for 2022Caeli Ridge explains what the new conforming loan limits are for 2022.
2022-02-0801 minCalling All Real Estate InvestorsFHA Loan Limits for 2022FHA - 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 s...
2022-01-1801 min
Good Timing with Isabel HagenCaeli SmithI talk with fellow Juilliard violist Caeli Smith. We discuss singing and doing comedy in bars when nobody wants to listen, feeling useless as a performer during the pandemic, using freelance gigs as a way of running from yourself, nurturing passion, my discomfort with teaching, Caeli's new program MusicAlly, wanting our non-musician friends to love Beethoven, and more! New episodes of Good Timing out every Tuesday! Be sure to subscribe. Follow me on Instagram and Twitter @isabelhagen_ and check out www.isabelhagen.com Follow Caeli on Instagram @caelismith and visit www.c...
2020-08-2500 min
2020-06-0400 min
The Maverick Show: Global Travel Stories & Life Beyond BordersHow to Utilize Conventional Mortgage Financing to Build Your Portfolio of U.S. Rental Properties with Caeli RidgeCaeli Ridge shares her entrepreneurial journey and her path to becoming the owner and CEO of Ridge Lending Group.____________________________________Subscribe to The Maverick Show’s Monday Minute Newsletter where I email you 3 short items of value to start each week that you can consume in 60 seconds (all personal recommendations like the latest travel gear I'm using, my favorite destinations, discounts for special events, etc.).Follow The Maverick Show on Instagram ____________________________________She talks about her own real estate investing experience buying over 40 rental properties of her own and also helping ten...
2020-05-181h 15
The Customer Support PodcastEpisode 4: (B2B) Caeli Collins, VP Customer Success & Support PanzuraKey Insights
o First, no relation to our previous guest :)
o Their attrition is super low ~2% (TSIA says average is about 15%). They have built a collaborative culture in support e.g., Level 3 people do not own cases, they just help other folks close theirs.
o Panzura NPS is 82! Average for tech industry is around 21. One of th
o One interesting metric that Caeli does NOT keep track of is time-to-close. She explains why in the podcast. Caeli also keeps track of this unique metric (which I haven’t heard before but it...
2019-03-1944 min
Highspeed Podcast#9: The High Speed Podcast with Dr. Forrest Bryant: Caeli Ridge of Ridge Lending GroupOn this episode of the High Speed Podcast, Dr. Bryant interviews Caeli Ridge of Ridge Lending group. Caeli is an expert with over 20 years of experience in the home financing world. Her father started the company and over 40 years they have fine tuned their model to specialize in non-owner occupied loans. Caeli is a fellow real estate investor and helps large investor groups and individual investors with traditional fannie/freddie loans, as well as commercial, specialty and fix/flip loans. Caeli can be reached at www.ridgelendinggroup.com
2017-08-0527 min