Solving America's Problems

Jerremy Alexander Newsome & Dave Conley
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Solving America’s Problems isn’t just a podcast—it’s a journey. Co-host Jerremy Newsome, a successful entrepreneur and educator, is pursuing his lifelong dream of running for president. Along the way, he and co-host Dave Conley bring together experts, advocates, and everyday Americans to explore the real, actionable solutions our country needs. With dynamic formats—one-on-one interviews, panel discussions, and more—we cut through the noise of divisive rhetoric to uncover practical ideas that unite instead of divide. If you’re ready to think differently, act boldly, and join a movement for meaningful change, subscribe now.

  1. hace 1 h

    The 20% Down Myth That Keeps Renters Renting

    There are twelve down payment assistance programs in Austin and Travis County alone, and JD Cobb says almost nobody asks. He names TSAC and TDHCA, which cover three to five percent down, plus a mortgage credit certificate he can count as monthly income. He tells Jerremy Alexander Newsome and Dave Conley that a soft credit pull costs the buyer nothing and that he'll pay to rescore a client's credit himself. He calls out new-build "incentives" as money rolled straight back into the loan. In the lightning round he names the biggest myth his clients believe — that they need twenty percent down — and says the real lever on rates is energy. Timestamps: (00:12) A dozen programs – the money buyers never think to ask about(00:37) TSAC and TDHCA – three to five percent, handed to you(02:50) The builder "incentive" – it's just rolled into your loan(04:23) Soft pull, no charge – what talking to a lender really costs(06:33) One lever – JD's pick if Congress could pull it(10:49) Lightning round – the myth every client walks in with(13:23) It's energy – why JD says that sets your rate Connect: JD Cobb – Website | Instagram | Email 🌍 Connect with us: Instagram | YouTube | X | Web

  2. hace 1 día

    Starter Homes Vanished. Here's What Replaced Them

    The average American buyer is now 38 years old — Dave Conley bought his first home in his twenties and had to borrow the down payment from friends. Dave and Jerremy Alexander Newsome press JD Cobb on where the starter home went, and JD is blunt: Gen Z is skipping steps, and his own first house cost $187,000. He explains what happens when a self-employed file hits an underwriter's desk, why writing off most of your income makes you unlendable, and the one thing a computer can't catch — occupancy fraud. Then insurance: a file that died on flood costs, and AI drawing block-by-block lines around what can't be covered at all. Timestamps: (00:12) Borrowed the down payment – how Dave bought in the '90s(05:15) Starter homes are gone – JD's first house cost $187,000(08:15) Self-employed problem – your write-offs are killing your loan(11:30) The fraud computers miss – lying about who lives there(12:50) "Fast and Easy" – the Countrywide program with no verification(16:58) Texas wind insurance – $6,000 a year and climbing(20:02) AI draws the line – block by block, who gets covered Connect: JD Cobb – Website | Instagram | Email 🌍 Connect with us: Instagram | YouTube | X | Web

  3. hace 1 día ·  Contenido extra

    The AI Economy Is Lying to You — Real Markets Are Falling

    Construction spending has fallen every month since Trump took office — except in months when the project was a data center. Jerremy Alexander Newsome and Dave Conley say the Nasdaq rode Nvidia’s earnings higher while the Russell 2000 dropped 1.4% in the same stretch, proof the AI trade and the real economy are pulling apart. They point to Walmart, Target, and Home Depot calling margin pressure “psychological” when people can’t afford gas. Dave flags the U.S. government now holding stakes in 31 private companies and calls it more socialist than anything the left has proposed. Jerremy and Dave also break down Iran, the UK’s leadership shakeup, and why nobody’s building houses or factories anymore — only data centers. Timestamps (00:00) Quasar meets politics – portfolio and policy collide from minute one (00:25) No real diplomacy – Iran, Ukraine, and a UK leadership shakeup (05:34) AI rally, cracking economy – Nasdaq climbs while Russell 2000 falls (08:33) Chart ceilings – SpaceMobile, Rocket Lab, and Nvidia hit resistance (10:48) Supply chain squeeze – memory, power, and compute all under stress (12:29) Energy at record highs – oil stays stubborn despite the rally (13:16) Nuclear on base – military quietly testing small reactors (15:28) Robinhood, Reddit, Bitcoin – meme stocks meet a sixty-two-thousand floor (18:06) Congress on break – midterm chaos brewing while nobody’s watching 🌍 Connect with us: Instagram | YouTube | X | Web

  4. hace 2 días

    Why 2 Million Home Sales Are Frozen in Rate Lock-In

    More than half of Americans with a mortgage are locked in under 4%, and that lock-in alone has frozen out nearly two million home sales. JD Cobb's answer sounds backwards: don't wait for the rate, buy at today's price and refinance later. He walks Jerremy Alexander Newsome and Dave Conley through what a refinance actually involves, the four Cs every lender checks, and who owns your loan once it's sold on the secondary market. He explains why a portable mortgage would unfreeze the market and why mortgage-backed securities make it so hard. He also names the loan programs that were quietly building the 2008 collapse while he was selling them. Timestamps: (01:07) JD's first closing – a cash-out refi, not a purchase(05:43) The four Cs – what lenders actually check before approving(08:07) Who owns your loan – servicing gets sold, you keep paying(11:16) Pay option ARMs – balances grew when you paid(11:52) Stuck at 3% – a family who can't afford to move(15:27) $15,000 gone – what a bad pre-qual costs a buyer Connect: JD Cobb – Website | Instagram | Email 🌍 Connect with us: Instagram | YouTube | X | Web

  5. 13 ago

    Rethinking Rent: Ownership Through Community Care (Full)

    22.6 million U.S. households now pay more for housing than they can afford, and the average home costs five times the average salary. Sam Froerer, who co-owns thousands of apartment units through Compass Capital, has never owned his own home himself. He tells hosts Jerremy Alexander Newsome and Dave Conley that the industry treats tenants like a commodity, and the top 50 owners control under 11% of it. He's building a model where a slice of every rent check turns residents into fractional owners of the building itself. Timestamps: (00:00) 22.6 million households – can't actually afford their own rent (01:33) Never owned a home – this landlord explains exactly why (10:14) Same fries, different profits – Chick-fil-A earns 3x more than McDonald's (16:24) Can't pay on the 5th? – here's what happens to that resident (21:39) "Value-add," defined – and exactly where it crosses a line (26:33) What gets you rejected – the real bar for renting an apartment (32:05) Tax tricks renters never see – the leverage investors quietly get (36:37) Insurance tripled – how it quietly rewrote real estate deals (39:50) Rent that turns into equity – the blockchain idea behind it (49:19) $50 million, first check – what he'd fix in housing first (51:35) Lightning round – is homeownership already dead under 35? (55:09) The identity shift – what could replace the homeownership dream 🌍 Connect with us: Instagram | YouTube | X | Web

  6. 12 ago

    Owning What You Rent — Policy, Tax, and the Lightning Round

    A $100,000 investment can show $60,000 of paper losses in year one — a tax benefit ordinary renters never get access to. Sam Froerer tells Jerremy Alexander Newsome and Dave Conley that Trump-era policy restored 100% bonus depreciation after Biden had cut it to 40%. He argues the top 1% pulling away from everyone else is the same pattern behind every collapsed civilization in history. Asked what he'd do with $50 million to fix housing, Sam says he'd buy three more properties to prove his model works before pitching it to private equity and pension funds. In the lightning round, he says homeownership under 35 is, as of now, functionally over. Timestamps: (00:14) A politician can't beat this – what would actually help residents more (00:40) A policy shift underway – reshaping who's allowed to own homes (01:36) $100K becomes $60K in losses – the tax trick investors use (03:33) The wealth gap's pattern – the same one behind every collapsed empire (05:40) $50 million, first move – what he'd do first to fix housing (07:55) Lightning round – is homeownership already dead under 35? (11:30) The identity shift – what could replace the homeownership dream 🌍 Connect with us: Instagram | YouTube | X | Web

  7. 11 ago

    Value-Add, Screening, and the Wealth Gap

    Landlords call it "value-add," and raising rent $100 to $200 a month after new cabinets and a dog park is the same move the industry has run for decades. Sam Froerer calls his own company "experience-add" instead, telling Jerremy Alexander Newsome and Dave Conley that renters need income at two-and-a-half times rent just to qualify. Insurance per unit in Florida and Texas tripled from $600 to $3,000 a year, reshaping where he invests. A fire that started on one resident's porch burned down twenty units in a single night. Sam also floats a REIT-style model where part of every rent payment buys residents fractional ownership of the building itself. Timestamps: (00:20) "Value-add" defined – the term landlords use to justify hikes (02:20) "Experience-add," not "value-add" – why he renamed his own company (05:14) The income bar – exactly what you need to earn to qualify (10:46) Tax perks you don't get – the leverage investors have and you don't (15:17) Insurance tripled – how it reshaped where he chooses to invest (17:56) Twenty units, one night – the porch fire that could've ended everything (18:30) Rent that buys equity – the plan to make rent buy the building 🌍 Connect with us: Instagram | YouTube | X | Web

  8. 10 ago

    Why Renting in America Is Broken

    22.6 million U.S. households now pay more for housing than they can afford, and the average home costs five times what the average family makes. Sam Froerer co-owns thousands of apartment units through Compass Capital — and has never owned his own home. He tells Jerremy Alexander Newsome and Dave Conley that the industry's top 50 owners control less than 11% of it, and most landlords treat tenants as a commodity to evict and replace rather than serve. Chick-fil-A makes three times the revenue of the average McDonald's despite longer wait times, and Sam argues that gap is exactly what his industry ignores: the experience, not the price. Timestamps: (00:00) 22.6 million households – now pay more rent than they can afford (00:28) Every complex, same rating – two stars, no matter where you look (03:34) Never owned a home – the multifamily owner who still rents (10:14) Tenants as a commodity – why the industry treats renters this way (16:24) Can't make rent? – here's what actually happens on the fifth 🌍 Connect with us: Instagram | YouTube | X | Web

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Solving America’s Problems isn’t just a podcast—it’s a journey. Co-host Jerremy Newsome, a successful entrepreneur and educator, is pursuing his lifelong dream of running for president. Along the way, he and co-host Dave Conley bring together experts, advocates, and everyday Americans to explore the real, actionable solutions our country needs. With dynamic formats—one-on-one interviews, panel discussions, and more—we cut through the noise of divisive rhetoric to uncover practical ideas that unite instead of divide. If you’re ready to think differently, act boldly, and join a movement for meaningful change, subscribe now.

Información

  • Creador
    Jerremy Alexander Newsome & Dave Conley
  • Años de actividad
    2025 - 2026
  • Episodios
    271
  • Clasificación
    Explícito
  • Copyright
    © Copyright 2026 Solving Americas Problems LLC
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