Shows
The Expected Returns PodcastHow Long Is Too Long? Ep.41 The Expected Returns Podcast w/ Steven LuttmanWelcome back for episode #41 of The Expected Returns Podcast! Today we'll discuss the pros and cons of a 50 year mortgage, new players entering the mortgage industry before wrapping up with whether builders are to blame for housing unaffordability#50yearmortgage #robinhood #homebuilders #inflation📧 steven@sjlincoln.com ig: sjlincolnrealty www.sjlincoln.com/bookacall
2025-12-0217 minThe Expected Returns PodcastYOU'RE FIRED!!.....MAYBE? Ep.40 The Expected Returns Podcast w/ Steven LuttmanWelcome back for Episode #40 of The Expected Returns Podcast! In today's video we discuss recent high-profile allegations of mortgage fraud, dive into a failed relationship before wrapping up with talk of potentially eliminating taxes on home sales.#federalreserve #powell #mortgagefraud #wellsfargo📧 steven@sjlincoln.com ig: sjlincolnrealty www.sjlincoln.com/bookacall
2025-09-0422 minThe Expected Returns PodcastHold Your Horses Ep.39 The Expected Returns Podcast w/ Steven LuttmanWelcome back for Episode #39 of The Expected Returns Podcast! In today's video we discuss The recent inflation and jobs reports, socialism in NYC before wrapping up with a conversation on multifamily due dilligence.📧 steven@sjlincoln.com ig: sjlincolnrealty www.sjlincoln.com/bookacall
2025-07-1830 minThe Expected Returns PodcastBusiness or Pleasure? Ep.38 of The Expected Returns Podcast w/ Steven LuttmanWelcome back for Episode #38 of The Expected Returns Podcast! In today's video we discuss The Justice Department possibly charging NY Attorney General Letita James with mortgage fraud , Zillow fighting back against pocket listings before wrapping up with a way to save you thousands.#trump #zillow #fraud #realestate📧 steven@sjlincoln.com ig: sjlincolnrealty www.sjlincoln.com/bookacall
2025-05-0222 minThe Expected Returns PodcastThe Not So Secret Blacklist 🤫📝Welcome back for Episode #37 of The Expected Returns Podcast! In today's video we discuss Rocket Mortgage acquiring Redfin and Mr. Cooper, Fannie Mae & Freddie Mac breaking up with the U.S. Government before wrapping up with the importance of exposure.#rocketmortgage #freddiemac #fanniemae #redfin 📧 steven@sjlincoln.com ig: sjlincolnrealty www.sjlincoln.com/bookacall0:00 Intro1:17 Rocket Redfin & Mr.Cooper7:28 Inevitable Beakup15:20 Condo Blacklist18:30 Land Liquidation21:01 Exposure is Good
2025-04-0824 minThe Expected Returns PodcastCONSUMER COLONOSCOPY 👨⚕️🍑 Ep.36 The Expected Returns Podcast w/ Steven LuttmanWelcome back for Episode #36 of The Expected Returns Podcast! Today we review signs of a struggling Ameican consumer, discuss a real estate scheme growing in popularity and wrap up with one state's approach to prevent Wall Street from taking over Main Street.📧 steven@sjlincoln.com ig: sjlincolnrealty www.sjlincoln.com/bookacallContent used for today's videohttps://www.bls.gov/news.release/empsit.nr0.htmhttps://fred.stlouisfed.org/series/CIVPARThttps://fred.stlouisfed.org/series/UMCSENThttps://fred.stlouisfed.org/series/PSAVEhttps://www.mba.org/news-and-research/newsroom/news/2025/02/06/mortgage-delinquencies-increase-in-the-fourth-quarter-of-2024https://ycharts.com...
2025-03-1324 minThe Expected Returns PodcastWRAP UP & LOOK AHEAD 🔭👀 Ep.35 The Expected Returns Podcast w/ Steven LuttmanWelcome back for Episode #35 of The Expected Returns Podcast! Today we look backwards before forwards📅 discuss senior citizens fighting Wall Street👴🦯 and explore the idea of higher taxes being…good ???
Are you or someone you know in the Capital Region in need of real estate services? If so, let's connect.
📧 steven@sjlincoln.com
ig: sjlincolnrealty
www.sjlincoln.com/bookacall
2025-01-1421 minThe Expected Returns PodcastIf You Can’t Do The TimeWelcome back for Episode #34 of The Expected Returns Podcast! Today we look into the post Fed rate cut
future🔮 explore creative balance sheet solutions now employed by banks💸 and discuss the downsides of following popular trends️👮
Are you or someone you know in the Capital Region in need of real estate services? If so, let's connect.
📧 steven@sjlincoln.com
ig: sjlincolnrealty
www.sjlincoln.com/bookacall
2024-09-1417 minThe Expected Returns PodcastEviction Constriction, Zombie Mortgages & Business Missteps Ep.33 The Expected Returns PodcastWelcome back for Episode #33 of The Expected Returns Podcast! Today we cover New York State's new Good Cause Eviction Law⚖️, Zombie mortgages back from the dead🧟 and discuss how to react when a business deal goes off the rails🚂
Do you or someone you know in the Capital Region in need of real estate services? If so, let's connect.
📧 steven@sjlincoln.com
ig: sjlincolnrealty
www.sjlincoln.com/bookacall
https://youtu.be/MdRjdIDAUls?si=q1uw3BOMdNLM5W7F
All information presented is for education purposes only, and does not...
2024-07-0318 minThe Expected Returns PodcastCOLLATERAL DAMAGE, ANALYZING FAILURE & JOBSAPALOOZA Ep.31 The Expected Returns Podcast w/ Steven LuttmanWelcome back for Episode #31 of The Expected Returns Podcast! Today we discuss lenders fighting dirty🤼, why owners are giving properties back to banks🔑 and dive into the recent jobs and inflation reports 🕵️
If someone you know has a real estate related need in the Capital Region, kindly consider making an introduction.
📧 steven@sjlincoln.com
ig: sjlincolnrealty
www.sjlincoln.com/bookacall
2024-02-1618 minThe Expected Returns PodcastHiking Hiatus, "Free" Refi & Roleplayers Gone Rogue Ep.30 The Expected Returns Podcast w/ Steven LuttmanWelcome back for Episode #30 of The Expected Returns Podcast! Today we discuss lenders offering "free" refinances🙌, what life is like post rate hikes
🕵️ & the importance of teamwork when acquiring property 🧑🤝🧑
Are you or someone you know in the Capital Region in need of real estate services? If so, let's connect.
📧 steven@sjlincoln.com
ig: sjlincolnrealty
www.sjlincoln.com/bookacall
2024-01-1618 minThe Expected Returns PodcastMedia Misfire, a gNARly Housing Plan & Updated Market Deepdive Ep.29 The Expected Returns Podcast
Welcome back for Episode #29 of The Expected Returns Podcast! Today we discuss #NAR ‘s plan to save housing 🙏, the #NYT ‘s assault on homeownership 📰 and explore what’s happening in today’s real estate market 🏘️🤷
Are you or someone you know in the Capital Region in need of real estate services? If so, let's connect.
📧 steven@sjlincoln.com
ig: sj lincoln realty
www.sjlincoln.com/bookacall
Content used for today’s video:
https://www.realtor.com/news/trends/its-time-for-a-tax-credit-for-home-sellers-to-prod-owners-to-list-their-houses-realtors-say-2/#:~:text=The%20proposed%20tax%20credit%20would,was%20among%20four%20tax%2Dpolicy
https://www.nytimes.com/2023/11/19/business/economy/30-year-mortgage.html
https://www.cmegroup.com/markets/in...
2023-12-0616 minThe Expected Returns PodcastMax Rent = Max Revenue? anNARilation, Deepening Deficits & Landlord Life Ep.28 The Expected Returns PodcastWelcome back for Episode #28 of The Expected Returns Podcast! Today we discuss the Treasury’s “solution” to deficits 💸, a seismic shift in the buying/selling of real estate🤝 and “Life as a Landlord” makes its return 🏘️🤷
Are you or someone you know in the Capital Region in need of real estate services? If so, let's connect.
📧 steven@sjlincoln.com ig: sj lincoln realty www.sjlincoln.com/bookacall
Content used for today’s video: https://www.saratoga.com/saratogabusinessjournal/business-reports/ https://www.reuters.com/markets/us-treasury-increases-size-most-its-debt-auctions-2023-11-01/ https://www.reuters.com/legal/missouri-jury-hits-nar-real-estate-companies-with-18-bln-damages-2023-10-31/ http...
2023-11-0616 minThe Expected Returns PodcastPay, or Delay? #Shutdown Countdown, Landlord Life & Action Time Ep.27 The Expected Returns PodcastWelcome back for Episode #27 of The Expected Returns Podcast! Today we discuss a possible government shutdown 🚪🚫, debut a new segment “Life as a Landlord”🏘️🤷, and examine when is actually the correct time to be a buyer 🧐.
Are you or someone you know in the Capital Region in need of real estate services? If so, let's connect.
📧 steven@sjlincoln.com
ig: sjlincolnrealty
www.sjlincoln.com/bookacall
2023-09-2617 minThe Expected Returns Podcast#Airbnb Amplification, That’s so Fitch & Steamy Love Letters Ep.26 The Expected Returns Podcast w/ Steven Luttman Everybody’s Got a PriceWelcome back for Episode #26 of The Expected Returns Podcast! Today we discuss Airbnb’s continued takeover of the real estate market 🌎, Fitch’s downgrade of United States debt 📉 and an alarming trend of tenants getting a little too close for comfort 🧑🤝🧑
Are you or someone you know in the Capital Region in need of real estate services? If so, let's connect.
📧 steven@sjlincoln.com
ig: sjlincolnrealty
www.sjlincoln.com/bookacall
Content used for today’s video:
https://news.airbnb.com/airbnb-q2-2023-financial-results/
https://gcar.com/market-sta...
2023-08-2110 minThe Expected Returns PodcastUnintended Consequences Ep.25 The Expected Returns Podcast w/ Steven LuttmanWelcome back for Episode #25 of The Expected Returns Podcast! Today we discuss Bounces by Beyonce, Student Loan Sadness and Inspection Investigation.
#beyonce #inflation #capitalregion #realestate
The Supreme Court voted 6-3 in opposition of President Biden's student loan debt forgiveness plan. The impact on housing is meaningful.
Halfway through the year, can you believe it?? Let's review the current state of the real estate market. Have the "experts" gotten it right so far?
Some give-and-take during negotiations is healthy...but when does giving go too far?
Are you or someone...
2023-07-1013 minThe Expected Returns PodcastHARDER THAN IT LOOKS Ep.24 The Expected Returns Podcast w/ Steven LuttmanWelcome back for Episode #24 of The Expected Returns Podcast! Today we discuss Swifties getting swindled, Opendoor to closed door? and Adios to agents.
#taylorswift #swifties #supremecourt #opendoor #realestate #investing #capitalregion
Content used for today’s video:
https://investor.opendoor.com/news-releases/news-release-details/opendoor-announces-first-quarter-2023-financial-results
chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://gcar.com/wp-content/uploads/GCAR_NY_MMI_2023-04.pdf
https://www.axios.com/2023/05/26/realtor-nar-real-estate-jobs
Are you or someone you know in the Capital Region in need of real estate services? If so, let's connect.
📧 steven@sjlincoln.com
ig: s...
2023-05-3010 minThe Expected Returns PodcastMEDIA MISSTEP Ep.23 The Expected Returns Podcast w/ Steven LuttmanWelcome back for Episode #23 of The Expected Returns Podcast! Today we discuss inaccurate reporting on changes to mortgage fees, lament New york State's failed housing plan and explore 2023's version of the American Dream.
#wsj #media #fanniemae #freddiemac #mortgage #hochul #nys #americandream #powell
Content used for today's video:
https://www.saratoga.com/saratogabusinessjournal/2023/04/business-report-immovable-object-vs-unstoppable-force/
chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://singlefamily.fanniemae.com/media/9391/display
https://gothamist.com/news/ny-has-a-tentative-state-budget-deal-heres-whats-in-and-whats-out
https://www.kqed.org/news/11946353/californias-dream-for-all-home-loan-program-ran-through-300-million-in-11-days-who-got-the-money
Are you or someone you know in the Capital Region...
2023-05-0515 minThe Expected Returns PodcastONE STOP SHOP Ep.22 The Expected Returns Podcast w/ Steven LuttmanWelcome back for Episode #22 of The Expected Returns Podcast! In today's video we explore the future of real estate transactions, discuss the business model of short term rentals and review March's jobs report.
#rocketmortgage #zillow #STR #shorttermrentals #jobsreport #unemployment
Owning real estate is possible. You can do it. Here's how
https://www.youtube.com/watch?v=YctX1hn9N5E&t=4s&ab_channel=SJLincolnRealty
Content used for today's video
https://www.cnbc.com/2023/04/07/jobs-report-march-2023.html
https://www.housingwire.com/articles/rocket-mortgage-to-buyers-use-a-partner-agent-save-big-on-closing-costs/
https://poststar.com/news/local/glens-falls-officials-discuss-how-to-manage-78-short-term-rentals...
2023-04-1111 minThe Expected Returns PodcastYOUR QUESTIONS ANSWERED 🗣️ 🤔 Ep.21 The Expected Returns Podcast w/ Steven LuttmanYOUR QUESTIONS ANSWERED in Episode 21 of The Expected Returns Podcast!
Buying versus waiting, cutting out the middleman, what has Steve’s attention and so much more. A very fun episode that you don’t want to miss.
Buying a House in 2023 https://www.youtube.com/watch?v=oB1Vd34Kj30&t=541s&ab_channel=SJLincolnRealty
Are you or someone you know in the Capital District in need of real estate services? If so, let's connect.
📧 steven@sjlincoln.com
ig: sjlincolnrealty
www.sjlincoln.com/bookacall
2023-02-2114 minThe Expected Returns PodcastThe Year of Free Money Ep.20 The Expected Returns Podcast w/ Steven Luttman“WORK SMARTER, NOT HARDER” seems to be the adage du jour, however I’ve always preferred “IF IT’S FREE, IT’S FOR ME”!
To kick off 2023 in style, we discuss multiple ways to earn thousands of dollars for only a few minutes worth of work. Seriously. 💰⏰
New year, New market? Let’s talk about what Capital Region housing will look like over the next twelve months. Data will drive the conversation 🏎️ 🗣
Less than half of New Year’s resolutions make it to July. Together we can beat that. A brief conversation about goal setting strategies and people...
2023-01-0314 minThe Expected Returns PodcastKnowing What You Don't Know Ep.19 The Expected Returns Podcast w/ Steven LuttmanHappy holidays! Wishing you and your family a happy and healthy end to the year, and a great start to 2023.
We open with a conversation about learning and being comfortable not having all of the answers. This is followed by exploring fallout related to the collapse of FTX and arrest of its CEO SBF before wrapping up with an EXTREMELY controversial take on paying down debt that you do not want to miss!
Are you or someone you know in the Capital District in need of real estate services? If so, let's connect.
📧 ste...
2022-12-1612 minThe Expected Returns PodcastElection Day Special ! Ep.18 The Expected Returns Podcast w/ Steven LuttmanHappy Election Day! The ability to vote is a privilege, honor and worth celebrating.
We open by discussing the return of 45 and what it means for the country. Next we explore what life would be like under King Steve when it comes to guns, immigration and elected officials.
This is not your normal episode, buckle up because we’re going off the rails!
Are you or someone you know in the Capital District in need of real estate services? If so, let's connect.
📧 steven@sjlincoln.com
ig: sjlincolnrealty
SJ Lincoln Realty...
2022-11-0914 minThe Expected Returns PodcastHalloween Spooky Special Ep.17 The Expected Returns Podcast w/ Steven LuttmanDeath delayed, dominating dollar and compulsive complainers all in this week’s episode…DON’T MISS IT !!
#housing prices are falling nationwide, is the Capital Region next? 🏘️⬇️
Can being strong actually make you…weak? #dollar 💪💵
The morality (or lack thereof) surrounding the owning of rental properties #landlord 🙏🏻
Scary movie recommendation!
https://archive.org/details/Ghostwatch
Freddie Mac lender survey
https://www.freddiemac.com/pmms
U.S. Dollar Index
https://www.marketwatch.com/investing/index/dxy
Are you or someone you know in the Capital District in need of real estate ser...
2022-10-2618 minThe Expected Returns PodcastWhat would you say.....you do here?The lowdown on layoffs 💼🚫, plunging prices 🏠📉 and debt deletion 🧙🏻♂️💰 all in this week’s episode…possibly the best yet so don’t miss it!
Being rejected is the pits, especially when it’s by your employer. Today we explore reframing the employee/company relationship, as well as how to handle getting the boot.
Chairman Powell delivered on his promise to fight the red hot housing market. We briefly explore what he’s done and why it’s important.
The federal government is looking to waive as much as $20,000 of student loan debt for certain borrowers. This discussion focuses...
2022-09-0817 minThe Expected Returns PodcastCHIPs, Steak & The FarmerCostly Chips 💰, Meat Mayhem 🥩, Government Giveups 🙅♂️ & Storytime w/ Steve 📖 all in this week's episode...DON'T MISS IT !!
CHIPs Act passes Congress. Great for the Capital District, but good for the country? Pushback creates interesting bedfellows.
The latest inflation print shows improvement, but how are families reacting?
Private sector to the rescue the homeless....maybe 🤷♂️
Are you or someone you know in the Capital District in need of real estate services? If so, let's connect.
steven@sjlincoln.com
SJ Lincoln Realty
35 Bath Street Suite 101
Ballston Spa NY 12020
2022-08-1616 minThe Expected Returns PodcastWhoever Denied it Supplied itTHE RECESSION SPECIAL !!! Misdirection Mischief, Ticket Tantrums and When Up Means Down all in this week’s episode…. Check It Out !
While GDP contracts, the Biden White House points to job gains as proof of a strong economy. 💼
Inflation remains so hot that boomers are paying thousands of dollars to see seventy year olds play musical instruments. 👴
Powell continues his blood fued against the housing market...except he just made it cheaper 😱
steven@sjlincoln.com
SJ Lincoln Realty
35 Bath Street Suite 101
Ballston Spa NY 12020
2022-08-0512 minThe Expected Returns PodcastA Very Busy WeekSteve: a man of the people, Crowded Calendars and Salacious Sandwiches all in this week's episode...DON'T MISS IT !!
steven@sjlincoln.com
SJ Lincoln Realty
35 Bath Street Suite 101
Ballston Spa, NY 12020
2022-07-2612 minThe Expected Returns PodcastToo Far Gone?Eternal Expenditures, the Blame Game and Bonding with Bonds all in this week's episode...you don't want to miss it !!
steven@sjlincoln.com
SJ Lincoln Realty
35 Bath Street Suite 101
Ballston Spa, NY 12020
2022-07-0717 min
The Expected Returns PodcastEmergency Episode: Fed goes HAM !Raise your hand if you love talking about monetary policy 🙋♂️ ......nobody?...ok
Round 3 of the Federal Reserve versus inflation produced a 75 basis points increase in short term borrowing rates. A brief video on what it means and strategies on how to benefit.
📧 steven@sjlincoln.com
SJ Lincoln Realty 35 Bath Street Suite 101 Ballston Spa, NY 12020
2022-06-1603 minThe Expected Returns PodcastLess Talk, More Action Ep.11 The Expected Returns PodcastPregnant Pigs, Hope for Housing and Lagging vs. Leading all in this week’s episode….Don’t miss it !
2022-06-1316 minThe Expected Returns PodcastNothing Lasts ForeverIce cream sadness, big box bye-bye and positive vibes all in this week’s episode…..YOU DON’T WANT TO MISS IT !
2022-05-2514 minThe Expected Returns PodcastPatience Is NeededPain by Powell, the Millennial Mindset and People Power all in this week's episode...don't miss it!
2022-05-0711 minThe Expected Returns PodcastMailbag #2Bubble Trouble, Steve vs. Unions and "What would ya say you do here?" all in this week's episode...don't miss it!
2022-04-1514 minThe Expected Returns PodcastResesh or Refresh?Value shopping, Bills stadium deal and are we heading for a recession all in today's episode. You don't want to miss it!
2022-03-3113 minThe Expected Returns PodcastLet's All Get Smarter TogetherCyclops Horses, Sensational Sanctions & Finance Demystified all in this weeks episode, don't miss it!
2022-03-1322 minThe Expected Returns PodcastWhy I SoldSteve being a hypocrite? Alcohol, shots fired AND a local housing update all in today's episode...don't miss it!
2022-02-2215 minThe Expected Returns PodcastFrozen Pipes, Empty WalletsPro wrestling, ADUs and "When landlording goes wrong" all in todays episode!
2022-02-0912 minThe Expected Returns PodcastIt's A New Year, Yes It IsRates up, fossil fuels down, sports betting now live and YOUR QUESTIONS ANSWERED
2022-01-1521 minThe Expected Returns PodcastConfidence from ClarityFinancial markets look to avoid the dreaded Land of Ambiguity
2021-12-2811 min2021-12-1206 min