Intellectually

Robert

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BUSINESS
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Dive into Real Estate topics with St. Louis locals Robert and Chad

18H AGO

One Year After the St. Louis Tornado… Would Your Insurance Hold Up Today?

In this episode, we sit down with Mary Agan, a local insurance agent with Goosehead Insurance. With over seven years of experience, Mary takes an educational-first approach to helping clients understand their coverage and make informed decisions. While Goosehead is a national brokerage, Mary works locally and focuses on building policies that truly fit each client’s needs.Our conversation is shaped by reflection on last year’s devastating St. Louis tornado, shifting the focus from what happened to a more important question: are homeowners actually prepared for what could happen next?What We Talk About:-Key questions homebuyers should ask when choosing an insurance providerThe areas insurance companies pay closest attention to when determining premiums-Why deductibles aren’t as straightforward as they seem and how different deductibles apply within a policy-The most common insurance claims in Missouri and what coverage people most often wish they had-How to think about using your insurance coverage without fear of higher premiums or being droppedInsurance can feel overwhelming until you actually need it. This conversation breaks down the gaps and misconceptions that can make a major difference.Mary Agan, Insurance Broker | Goosehead Insurance | License #: 8041369O: 314-530-3917E: mary.agan@goosehead.comRobert Breyley, REALTOR® | Brey Realty / MORE, REALTORS®C: 618-800-1200 O: 314-806-1100 E: ⁠robertb@breyrealty.com⁠ Chad Hegrat, REALTOR® | Brey Realty / MORE, REALTORS®C: 440-665-3860 O: 314-806-1100 E: ⁠chadh@breyrealty.com⁠⁠www.breyhq.com⁠

46 min
MAY 13

Intellectually Episode 13 | The Overlooked Factors Behind Home Affordability

There’s more to affording a home than just the numbers. In this episode, we talk through the real factors that shape what you can buy, including your lifestyle, career, and personal priorities. We also break down how location affects everything from price to quality of life, and why it matters more than people think. We found some real properties on the market in our area right now and showed a major hidden difference. If you’re trying to figure out whether you’re ready to enter the market in your current situation, take some time to listen to this one. Robert Breyley, REALTOR® | Brey Realty / MORE, REALTORS® C: 618-800-1200 O: 314-806-1100 E: ⁠robertb@breyrealty.com⁠ Chad Hegrat, REALTOR® | Brey Realty / MORE, REALTORS® C: 440-665-3860 O: 314-806-1100 E: ⁠chadh@breyrealty.com ⁠⁠www.breyrealty.com⁠

47 min
MAY 6

Intellectually Episode 12 | Single-Family, Townhome, Condo or House-hack

In this episode, we break down the most common property types so you can make a smarter decision based on your situation. We talk through single-family homes, condos vs townhomes, and multi-family properties, laying out the real pros and cons of each. Not just the obvious stuff like space or price, but things like maintenance, privacy, lifestyle, investment potential, and long-term flexibility. Then we take it a step further and walk through different real-life scenarios people often find themselves in, whether you’re buying your first home, downsizing, looking for an investment, or just trying to simplify life. Our team gives their honest take on what type of property would actually make the most sense in each situation. If you’ve been stuck wondering “what should I even be looking for,” this episode will help you narrow it down and feel a lot more confident about your next move. Robert Breyley, REALTOR® | Brey Realty / MORE, REALTORS®C: 618-800-1200 O: 314-806-1100 E: robertb@breyrealty.com Chad Hegrat, REALTOR® | Brey Realty / MORE, REALTORS®C: 440-665-3860 O: 314-806-1100 E: chadh@breyrealty.com www.breyrealty.com

46 min
APR 29

Intellectually Episode 11 | Investing Series Pt. 3 - The Physical Costs

In Part 3, the final episode of our Investing Series, we sat down with Josh Litteken, Project Manager at Hero Roofing & Exteriors, to break down what homeowners and investors should actually know about roofing, siding, windows, and more.We get into the numbers behind material costs, what Josh looks for when helping clients troubleshoot issues, and the most common (and expensive) mistakes he’s seen over the years. He also shares how he works with insurance companies during claims, plus some practical DIY tips you can actually use.If you own property, are thinking about investing, or just want to avoid costly surprises, this one’s worth the watch.Topics:Roofing, siding, and window issues to watch forMaterial costs and what impacts pricingCommon problems and how to avoid themWorking with insurance claimsDIY tips and homeowner adviceMake sure to check out Parts 1 & 2 of the series if you haven’t yet.Josh Litteken, Project Manager | Hero Roofing & Exteriors, PLLCC: 618-578-6981O: 618-852-9704E: info@heroprosolutions.comheroroofingexteriors.comRobert Breyley, REALTOR® | Brey Realty / MORE, REALTORS®C: 618-800-1200O: 314-806-1100E: robertb@breyrealty.comChad Hegrat, REALTOR® | Brey Realty / MORE, REALTORS®C: 440-665-3860O: 314-806-1100E: chadh@breyrealty.comwww.breyrealty.com

1h 1m
APR 21

Intellectually Episode 10 | Investing Series Pt. 2 - Understanding the Lending

Part 2 of our 3-part investing series is here, and this one gets into the financing side of things.We sat down with Matt Dickens from Homestead Financial Mortgage to break down what investing looks like from a lender’s perspective.We talk through house hacking and how lenders view it, what you should have in order before applying for an investment loan, some of the biggest things that can make or break your approval, and much more. Matt also shares programs specific to St. Louis that can help first-time investors get started.If you’ve been thinking about buying your first investment property, or just want to understand how to position yourself better financially, this episode is a solid place to start.Matt Dickens, Loan Officer | Homestead Financial / NMLS# 222524O: 636-734-9255E: m.dickens@hfmloans.comdickensmortgage.comRobert Breyley, REALTOR® | Brey Realty / MORE, REALTORS®C: 618-800-1200O: 314-806-1100E: robertb@breyrealty.comChad Hegrat, REALTOR® | Brey Realty / MORE, REALTORS®C: 440-665-3860O: 314-806-1100E: chadh@breyrealty.comwww.breyrealty.com

47 min
APR 15

Intellectually Ep 9 | Investing Series Pt. 1 - Understanding the Market

This is part 1 of a 3-part investing series.If you’ve been curious about getting into investing but don’t really know where to start, this is kind of the foundation. We get into the tools and some of the core rules that people throw around all the time, but don’t always explain well.Things like the 1% rule, GRM, DSCR, the 50% rule, cap rate, vacancy rate, and more, and how all of that plays into making a smart decision.In the next parts, we will be bringing in some people from the industry to go deeper from their side, specifically from a lending perspective, and a contractor eye.Robert Breyley, REALTOR® | Brey Realty / MORE, REALTORS®C: 618-800-1200O: 314-806-1100E: robertb@breyrealty.comChad Hegrat, REALTOR® | Brey Realty / MORE, REALTORS®C: 440-665-3860O: 314-806-1100E: chadh@breyrealty.comHannah Breyley, Real Estate Agent | Brey Realty / MORE, REALTORS®C: 440-679-7141O: 314-806-1100E: hannahb@breyrealty.comwww.breyrealty.com

50 min
APR 7

Intellectually Episode 8 | A Market On Edge

Oil prices are surging, construction costs are climbing, and housing fears are on the rise, but how real is the risk of a recession in the U.S.? In this episode, we break down the key factors shaping the current economic landscape:1. How rising oil prices are sending shockwaves through energy and commodity markets2. The cities that are actually feeling the impact, and how St. Louis compares to these major markets3. Whether these pressures in the biggest U.S. cities could spill over and spark a broader economic downturnWe’ll give you the facts, the context, and the stats so you can see what’s happening in real estate, construction, and global markets, and understand what it really means for homeowners, investors, and everyday Americans who might be fearful of another crash.

43 min
MAR 31

Intellectually Episode 7 | Downtown St. Louis is Evolving

In this episode, we’re diving into the changes happening in Downtown St. Louis and what they could mean for the future of the city.We talk through the push to convert vacant office buildings into residential spaces, what’s going on with the Millennium Hotel St. Louis, and how the MetroLink plays into accessibility and growth downtown.If you’re curious about development, real estate trends, or just want a better understanding of where the city is headed, this is a conversation you don’t want to miss.Watch the full episode and let us know what you think about the future of downtown in the comments.Robert Breyley, REALTOR® | Brey Realty / MORE, REALTORS®C: 618-800-1200O: 314-806-1100E: robertb@breyrealty.comChad Hegrat, REALTOR® | Brey Realty / MORE, REALTORS®C: 440-665-3860O: 314-806-1100E: chadh@breyrealty.comHannah Breyley, Real Estate Agent | Brey Realty / MORE, REALTORS®C: 440-679-7141O: 314-806-1100E: hannahb@breyrealty.comwww.breyrealty.com

33 min

Dive into Real Estate topics with St. Louis locals Robert and Chad

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Robert
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Intellectually