5 O'Clock Somewhere Real Estate Investor Podcast

Tune into the 5 O'Clock Somewhere Real Estate Investor Podcast for candid Memphis real estate insights and expert investment strategies. Ideal for property investors!
Avoid Title Scams and Fund Smarter Real Estate Deals with DSR loans, avoid liens, and secure your investment with top real estate tips.
Published Wednesday, July 9th, 2025

Avoid Title Scams and Fund Smarter Real Estate Deals

Navigating the real estate investment landscape can be tricky, especially when dealing with wholesalers, contract disputes, and innovative financing options. In this episode, we dig into a cautionary tale of how a failed contract led to a clouded title due to a filed memorandum of contract. We uncover the mechanics of how such filings can derail a sale, cost thousands in legal fees, and force sellers into frustrating standoffs. You’ll also learn about legislative updates affecting wholesalers in Tennessee and the real-world implications of working without a licensed agent. This episode further dives into smarter funding strategies for investors, focusing on Debt Service Coverage Ratio (DSR) loans, how they function, and who they benefit. Jo Garner, our mortgage expert, explains how creative financial planning—from 401(k) borrowing to portfolio loan structuring—can maximize leverage and minimize documentation. Whether you’re just starting or scaling your rental portfolio, this episode delivers essential insights on avoiding legal pitfalls and optimizing your cash flow strategy.

More about this episode:
https://mymemphisinvestmentproperties.com/podcast/avoid-title-scams-and-fund-smarter-real-estate-deals/

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This episode dives deep into the mortgage market with Nick Huber of Pinnacle Financial Partners. We explore why many investors are stuck waiting for the “perfect” interest rate—and why that delay could cost them thousands. From fixed-rate loans to DSCR products, Nick breaks down what real estate investors need to know right now to grow smart, not fast.
Published Wednesday, June 25th, 2025

Mortgage Myths and Money Moves with Nick Huber

This episode dives deep into the mortgage market with Nick Huber from Pinnacle Financial Partners, where we break down the biggest myths holding real estate investors back today. Are you waiting for interest rates to drop before making your next move? You’re not alone—and it could be a costly mistake. Nick shares why timing the market often leads to missed opportunities, and how smart investors are building equity now instead of gambling on future rate cuts.

We cover everything from 30-year fixed loans and Freddie Mac guidelines to DSCR loans and the real risks behind fast money from hedge fund-backed lenders. If you’re wondering how much a quarter-point interest rate drop actually saves you, or whether it’s worth paying more for property now to win long-term, this is the episode that clears the fog.

More about this episode:
https://mymemphisinvestmentproperties.com/podcast/mortgage-myths-and-money-moves-with-nick-huber/

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This thumbnail leverages a high-impact emotional strategy rooted in urgency and FOMO, perfectly aligned with the core message of this episode: the tightening Memphis real estate market in 2025. As discussed, inventory is shrinking, yields are adjusting, and new construction is down—signaling a critical window for investors. The concerned expression of the investor holding a tablet showing a plummeting housing chart visually amplifies the theme of market pressure and rising competition. Coupled with bold messaging like “ACT FAST” and “BEAT THE SQUEEZE,” the image speaks directly to those still on the sidelines, encouraging them to make a move before prices climb and opportunities vanish. This reflects the podcast’s urgency in guiding listeners toward strategic real estate plays before the anticipated 2026 boom.
Published Wednesday, June 18th, 2025

Memphis Real Estate 2025: Yields, Demand, and Predictions

Memphis has solidified its reputation as America’s cash flow capital in 2025, offering investors a unique combination of affordability, strong rental yields, and resilient tenant demand. The city’s real estate market is characterized by a tightening supply, rising home prices, and a growing interest from both local and out-of-state investors. With a median home price of $214,772 as of April 2025, reflecting a 7.6% increase from the previous month, Memphis presents a compelling case for investment. The market’s dynamics are further influenced by a significant drop in new construction, leading to increased competition for available properties. As we look ahead to 2026, understanding these trends is crucial for investors aiming to capitalize on Memphis’s real estate opportunities.

More about this episode:
https://mymemphisinvestmentproperties.com/podcast/memphis-real-estate-2025-yields-demand-and-predictions/

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The conversation highlights the challenges real estate investors face when managing multiple properties through traditional financing methods. The complexity of handling numerous individual mortgages can be overwhelming, leading to frustration and inefficiency. Portfolio loans, while offering a solution, come with their own set of stringent requirements and potential pitfalls, such as prepayment penalties and difficulties in restructuring payments.
Published Wednesday, June 11th, 2025

Streamline Property Deals with Smart Portfolio Lending

When real estate investors scale their portfolios beyond a handful of properties, the challenges of managing multiple mortgages can become a major operational hurdle. This episode features Frank Torres of The One Brokerage, who breaks down the ins and outs of portfolio lending—a strategic financing option that enables investors to consolidate multiple properties under a single mortgage.

More about this episode:
https://mymemphisinvestmentproperties.com/podcast/streamline-property-deals-with-smart-portfolio-lending/

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Rehab ROI Secrets Investors Must Know Before Refinancing explores hard money, appraisals, and strategy for real estate cash flow and equity.
Published Wednesday, June 4th, 2025

Rehab ROI Secrets Investors Must Know Before Refinancing

In this episode, we dive deep into the strategic real estate investment approach of buy-rehab-rent-refinance with investor Amish Dholakia from Texas. Alongside Brett Bernard and Josh Barnes, we break down four successful rehab projects and uncover the hidden complexities of hard money financing, contractor delays, and appraisal pitfalls. Amish shares candid insights about his experience navigating the unpredictable waters of real estate finance—particularly the surprising appraisal challenges during refinancing. This episode delivers actionable advice for investors at every level who want to boost cash flow, build equity, and learn from real-life wins and mistakes. If you’re eyeing high-return property investing and want to maximize your ROI while avoiding common pitfalls, this discussion is packed with SEO-rich real estate investing tips, property rehab advice, and refinancing strategy.

More about this episode:
https://mymemphisinvestmentproperties.com/podcast/rehab-roi-secrets-investors-must-know-before-refinancing/

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Why Flipping Houses Isn’t Always Fast Money: In this episode, we sit down with Josh, a seasoned investor and good friend, to discuss his real-world journey from modular homeownership to flipping houses and building a solid rental portfolio. Starting out in North Dakota, Josh discovered the power of real estate when he turned his home into an income-producing asset by renting out rooms. His story takes us through cold-weather lineman work, flipping massive and often quirky houses, dealing with over-the-top renovation blunders, and the hard lessons learned from high-cost hard money lending. Now operating full-time as a franchisee with Firehouse Subs, Josh offers deep insight into how he balances entrepreneurship with a growing real estate investment portfolio.
Published Wednesday, May 28th, 2025

Why Flipping Houses Isn’t Always Fast Money

In this episode, we sit down with Josh, a seasoned investor and good friend, to discuss his real-world journey from modular homeownership to flipping houses and building a solid rental portfolio. Starting out in North Dakota, Josh discovered the power of real estate when he turned his home into an income-producing asset by renting out rooms. His story takes us through cold-weather lineman work, flipping massive and often quirky houses, dealing with over-the-top renovation blunders, and the hard lessons learned from high-cost hard money lending. Now operating full-time as a franchisee with Firehouse Subs, Josh offers deep insight into how he balances entrepreneurship with a growing real estate investment portfolio.

More about this episode:
https://mymemphisinvestmentproperties.com/podcast/why-flipping-houses-isnt-always-fast-money/

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If you're searching for cash-flowing rental properties in Memphis that are fully rehabbed and tenant-occupied, this episode is a must-listen. We’re showcasing high-yield investment properties that crush the 1 percent rule, with gross ROI figures starting at 12% and reaching up to 14%. Whether you're just starting your real estate journey or looking to expand your portfolio with turnkey rentals, Memphis delivers in both affordability and long-term growth. In this episode, the team presents specific opportunities including off-market duplexes, rehabbed single-family homes, and even a 10-door portfolio—all situated in stable, high-demand neighborhoods. We break down the math behind each deal, reveal seller credit strategies that boost ROI, and offer insider insight into which areas are prime for consistent cash flow. If you're tired of overpriced, underperforming markets and ready to find high-return rental investments, Memphis might just be your next big move.
Published Wednesday, May 21st, 2025

Buy Memphis Rentals That Beat the 1 Percent Rule Today

If you’re searching for cash-flowing rental properties in Memphis that are rehabbed, tenant-occupied, and offer double-digit returns, this episode is for you. We explore high-yield investment deals across key Memphis neighborhoods—including Frayser, Whitehaven, East Memphis, and Raleigh—that not only meet but exceed the 1 percent rule. From single-family homes to off-market duplexes and even a 10-door portfolio, these properties are ideal for both new and experienced real estate investors. The team also shares expert strategies for boosting ROI with seller credits and explains why duplex investments offer an edge in today’s market.

Whether you’re looking for turnkey rentals with MHA tenants or value-add deals priced below market, these opportunities provide strong ROI, immediate cash flow, and room for long-term growth. Memphis continues to be a top destination for rental property investing thanks to affordable entry points, stable tenant demand, and smart neighborhood appreciation. Don’t miss this breakdown of current listings, portfolio scaling tips, and actionable insights that will help you make your next investment move with confidence.

More about this episode:
https://mymemphisinvestmentproperties.com/podcast/buy-memphis-rentals-that-beat-the-1-percent-rule-today/

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In this episode, the crew dives deep into the strategy of buying and flipping foreclosures in Memphis. Joined by Nate and Jeff, the team uncovers exactly how the foreclosure process works, the risks involved, and how to mitigate those risks for maximum profit. Whether you're a seasoned real estate investor or someone thinking about getting into the Memphis market, this episode pulls back the curtain on the courthouse steps auction game.
Published Wednesday, May 14th, 2025

Smart Ways to Profit from Memphis Foreclosures Now

Buying foreclosures in Memphis is not for the faint of heart, but for investors who do their homework, the rewards can be enormous. This episode offers a no-BS walkthrough of everything you need to know before stepping foot on the courthouse steps. From understanding Tennessee’s foreclosure timeline to managing legal risks like IRS liens and property tax debts, it’s clear that the real winners in this space aren’t just lucky—they’re prepared. The team shares how smart strategies like cash-for-keys, neighborhood intel, and post-sale insurance can help protect your investments and boost profits. Most importantly, they emphasize building a process—because winning at foreclosures consistently means developing a repeatable, scalable system. With insider access to foreclosure lists and a growing network of professionals handling everything from title searches to rehab, this episode proves Memphis remains one of the hottest and most profitable real estate markets in America. If you’re looking to break into real estate investing or scale up your operations, take notes—this is the game plan the pros are using.

More about this episode:
https://mymemphisinvestmentproperties.com/podcast/smart-ways-to-profit-from-memphis-foreclosures-now/

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Stop Losing Money on Rental Income with These Tax Hacks for depreciation, LLCs, cash flow protection, and investor estate planning strategies
Published Wednesday, May 7th, 2025

Stop Losing Money on Rental Income with These Tax Hacks

If you’re a real estate investor and you’re still getting crushed by taxes, struggling to protect your rental income, or unsure how to pass on your properties without blowing up your legacy—this episode will hit home.

More about this episode:
https://mymemphisinvestmentproperties.com/podcast/stop-losing-money-on-rental-income-with-these-tax-hacks/

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Smart Ways to Fund Investment Property Deals and Save Cash tips for using OPM, builder credits, HELOCs, and creative financing strategies.
Published Wednesday, April 30th, 2025

Smart Ways to Fund Investment Property Deals Save Cash Fast

Funding a real estate investment can be tricky, especially when you’re a few thousand dollars short at closing. In this episode, we dive deep into creative and strategic methods to fund your next investment property without draining your savings account. We discuss using builder credits, seller concessions, and OPM (Other People’s Money), along with pulling from HELOCs, 401(k)s, and cash value life insurance policies. We also explore how seasoning money properly and understanding DSCR loan limits can make or break your deal. Whether you’re a seasoned investor or just starting, knowing how to use financial leverage smartly is critical to growing your real estate portfolio. Discover why Memphis remains one of the best places to invest in real estate, where stable growth and cash flow opportunities make all the difference for investors seeking long-term wealth.

More about this episode:
https://mymemphisinvestmentproperties.com/podcast/smart-ways-to-fund-investment-property-deals-save-cash-fast/

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