9 episodes

In a world filled with confusion and complication, we search for solutions. Our Real Estate show goes beyond opinions and digs into the facts behind the hottest issues impacting homeowners and real estate professionals!

Today‘s Real Talk Podcast Today‘s Real Talk with Justin Ckezepis

    • Business
    • 5.0 • 1 Rating

In a world filled with confusion and complication, we search for solutions. Our Real Estate show goes beyond opinions and digs into the facts behind the hottest issues impacting homeowners and real estate professionals!

    What does the SBA (Small Business Administration) do? Loans, Strategy, and Other Resources

    What does the SBA (Small Business Administration) do? Loans, Strategy, and Other Resources

    You need money to start a business. But as a small business owner, you only have so much funding to get started. This is where small business loans come in, and our latest episode, we go over what you need to know about getting a loan from the Small Business Administration with Mike Arriola.

    Arriola originally started as the SBA officer for the Asheville area and eventually became the District Director for the entire state of North Carolina. Today, he oversees the SBA operations for over 900,000 small businesses throughout the state.

    In this episode, we go over what exactly an SBA loan is, specifically the 7(a) guaranty process, why lenders decide to offer these loans, and why you should consider getting one of these loans if you’re trying to get your small business off the ground. We also go over some of the other tools and resources the SBA has for small business owners on top of their loan programs.

    The SBA has resources that can help small business owners at any phase of their business’ lifecycle. Give this episode a listen if you’re thinking of or currently involved in starting a small business, and make sure to check back soon to see when our next episode goes live.  

    • 44 min
    Real Estate Economics: The Future of Our Market

    Real Estate Economics: The Future of Our Market

    How high can home prices continue to rise? What will the real estate market look like over the next twelve months?

    Meet Dr. Yongqiang Chu, Director of the Childress Klein Center for Real Estate. What does the real estate market look like going forward into 2022? Will real estate prices go down? What’s causing the increased demand for real estate?

    We answer these questions and others related to the current state of real estate in our most recent podcast.

    In this episode, we’re joined by Dr. Yongqiang Chu, the Director of the Childress Klein Center for Real Estate. Dr. Chu is originally from China, and he came to the U.S. to complete his PhD at the University of Wisconsin-Madison. His career initially involved teaching finance, but today, his career is research-based, and he is currently working on several papers, one specifically about mortgage lending discrimination in today’s market.

    We cover how the recent pandemic increased the demand for real estate throughout the country, but mainly here in the Charlotte, North Carolina area. Dr. Chu also makes a few predictions about interest rates and where real estate prices will head in a post-pandemic world. Other topics covered include what will solve current supply and demand issues and how these will affect local concerns about population and housing density.

    Don’t miss this latest episode of Today’s Real Talk if you’re intrigued by real estate economics and have questions about housing and the real estate market for the upcoming year.

    Dr. Chu - Director of the Childress Klein Center for Real Estate at University of North Carolina at Charlotte

    • 54 min
    FIRPTA - What is required when dealing with foreign sellers?

    FIRPTA - What is required when dealing with foreign sellers?

    The Foreign Investment in Real Property Tax Act of 1980 (FIRPTA) is a congressional act that was passed because foreigners were selling property in the U.S. and not paying taxes or capital gains taxes on the sales. Richard’s goal is to simplify the FIRPTA process as much as possible and raise awareness about transactions dealing with foreign nationals.

    Because foreign nationals are not subject to U.S. tax laws, FIRPTA requires buyers to withhold a percentage of the property sale to pay to the IRS – not taking this withholding following a transaction can result in an IRS penalty of 5% of the transaction’s value per month for up to 5 months.

    Originally, this withholding amount was set at 10%, but during the Obama administration, the rate was changed to 15% under the Debt Reduction Act. The goal of raising this rate was to ensure there were sufficient funds to pay outstanding taxes on any transaction that occurred involving a foreign seller.

    We go into further detail about what FIRPTA is and how it affects both buyers and sellers involved in the U.S. real estate market in this episode. Make sure you give it a listen, especially if you’re involved in real estate, and check back soon to see when our next episode goes live.

    Richard Kahn of FIRPTA Refunds

    • 1 hr 29 min
    Active & Passive Investing: Real Estate

    Active & Passive Investing: Real Estate

    Many people want to invest in real estate, and one of the reasons why they want to do this is because they think it’s easy. Although this is true to some extent, real estate investing is only easy when you have the right partners to help you out.

    When you invest in real estate, access to capital will always be a necessity. On our latest episode of Today’s Real Talk, we are joined by Patrick Prunty and Stephanie Miller from Marshall Reddick Real Estate. This real estate investment firm is based out of California but takes deals all over the country.

    One of the things that sets this investment firm apart is their transparency. They want investors to feel confident in their loans, and Marshall Reddick Real Estate funds out-of-the-box loans and deals that may not be a good fit for an institutional lender.

    This investment firm is also an asset-based lender, so they fund deals with high loan-to-value ratios. All they do before agreeing to fund a deal is verify the value of the property instead of verifying your income. They’re not afraid to loan to anyone, and they also have their own real estate investors passively looking to invest in the deals they fund.

    Real estate investing can be intimidating, but you must be willing to take the plunge. Learn more about this nontraditional approach to investing, especially if you are an investor yourself, and another side of the investment market in this episode.

    Marshall Reddick Real Estate

    • 58 min
    COVID-19, Real Estate Fraud, and the Future of E-Closings

    COVID-19, Real Estate Fraud, and the Future of E-Closings

    The pandemic sped up the demand for online real estate closings, but are they really safe and credible? We unpack it all with Electronic Notarization and Notary Enforcement Director at the NC Department of the Secretary of State, Ozie Stallworth.

    • 1 hr 1 min
    2021 Top New Affordable Health Insurance Plans for Businesses Revealed

    2021 Top New Affordable Health Insurance Plans for Businesses Revealed

    Are there really any affordable health care plans outside of Obama Care in 2021?

    In Episode Four of Today's Real Talk, Justin goes over this important healthcare and wealth planning topic with The Retirement Wealth Coach® Steven Crawford.

    • 58 min

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