Accredited Income Property Investment Specialist (AIPIS) (general)

There are many different ways to invest your money. What's the difference between things like REITs and simply purchasing a single family rental? Both of them are, technically, investing in real estate, but only one of them gives you a multi-dimensional asset that you can control.

Jason Hartman dives into the two investments to see the pros and cons of each.


Direct download: AIPIS_366_REITs.mp3
Category:general -- posted at: 5:31pm EDT

Jason Hartman talks with Jarrett Gross about 3D printed homes. How close to reality are they? Can you really get them for $10,000? Will it completely disrupt the housing market? Listen in as the two explore what's currently being printed, and what's in store.

Key Takeaways:

[3:12] The $10,000 printed home is a myth

[9:18] What do 3D printed homes mean to the real estate industry?

[13:16] Google search trends for 3D printing have held a sustained spike recently

[16:25] One Colorado company is making 3D printed mud huts that are surprisingly strong and surprisingly cheap

[23:08] Many builders tent their build to better the quality

[28:59] 3D printing could be important to building in space

[33:29] How far off are commercially viable homes?

[36:49] There are 2 components to every real estate deal


Direct download: AIPIS_365_Jarrett_Gross.mp3
Category:general -- posted at: 12:00pm EDT

Chad Hewitt appropriately and humorously likens his scaffolding business to a short-term rental property. This Rich Dad, Poor Dad inspired investor shares his real estate story with the Hartman Network.

Key Takeaways:

[1:15] Owns a scaffolding business is quite similar to owning a short term rental company. 

[2:10] Triple net leases simply mean that all expenses pass through to the tenant. 

[3:30] Originally inspired by Rich Dad, Poor Dad.  

[7:00] Triple net vs. individual residential real estate. 

[11:20] Anyone with a decent paying job can get past the 16k barrier to entry. 

[14:00] Income property is the most tax-favored asset in America because you can depreciate it. 

[20:30] With a 1031-exchange, you don't need to do the recapture when you sell a home. 

[25:00] Because of the Green New Deal, the cost to develop your average apartment complex is going to go up. 


Jason Hartman Quick Start

Jason Hartman PropertyCast (Libsyn)

Jason Hartman PropertyCast (iTunes)


Direct download: AIPIS_364_Chad_Hewitt.mp3
Category:general -- posted at: 12:00pm EDT

You don’t need a booming housing industry to make money, just a good strategy. Ken poses the question, when the dust settles, which businesses will still be standing, and where will the concentration of people be? Jason Hartman predicts a strain on the housing supply in the not-so-distant future as he postulates that few will be incentivized to get rid of a home loan with such historically low-interest rates. 

Key Takeaways:

[2:00] How much has life changed in the recent 10, 20 years? 

[3:30] The tech companies are likely to be broken up. 

[5:00] You can make money in any environment if you adjust your strategy. 

[10:00] Ken’s tips on how to find deals and evaluate them.

[16:40] Definite move from retail to housing. 

[22:00] There is obvious truth of an asset shortage - as in bidding against 45 other buyers. 

[31:10] City/State revenue comes from Taxpayers. There is a potential for cities to file bankruptcy. 

[37:45] The bubble ‘should’ve popped’ already, but ‘they’ can keep kicking the can down the road. 

[41:25] “I still think there is going to be a crash; it’s just being propped up with money which is going to create inflation.” -McElroy

[43:20] Jason predicts a future strain on housing supply because of so many home purchases with historically the lowest interest rates ever. 



Direct download: AIPIS_Ken_McElroy_Housing_Boom_or_Collapse.mp3
Category:general -- posted at: 12:00pm EDT

David Richter, Founder of Simple CFO Solutions and the world's biggest fan of the profit first methodology, talks with Jason Hartman. David takes the listener through his basic steps in his approach of profit first. This system has been discussed in many books but has yet to have been detailed in this step-by-step, modern approach. 

Key Takeaways:

[2:00] What is profit first, and what is the big deal?

[3:00] What is the envelope system?

[7:00] Sales minus profits equal expenses. 

[10:00] Does Donald Trump use the profit first system?

[14:15] How do you set a profit goal?



Direct download: AIPIS_Profit_First_by_Mike_Michalowicz__David_Richter.mp3
Category:general -- posted at: 9:00pm EDT

Jason Hartman talks with Jim Richards, author of The New Great Depression. Jim shares his discoveries about the lockdown, the stock market's influence, and asset bubbles vs. asset inflation. 

Jim Rickard's Book: The New Great Depression

Key Takeaways:

[3:20] You cannot understand The New Great Depression without looking into the pandemic. 

[4:00] "What I discovered was that the scientists don't agree with each other."

[10:25] Have the lockdowns killed more people than they have saved?

[16:00] The stock market no longer bears any relation to the real economy. 

[20:00] Did the lockdown cause a pent up demand?

[24:00] Asset bubbles or asset inflation?

[25:35] What causes inflation? 

[28:45] Your Keynesian multiplier works up to a debt to GDP ratio of about 90%.

[33:20] Why buy gold and silver if you're not afraid of inflation?

[36:25] Bitcoin, will it ever have a chance of being a global currency or taking over the dollar?

[44:00] Millions of people are migrating out of major cities; where are they going?


Jason Hartman Quick Start

Jason Hartman PropertyCast (Libsyn)

Jason Hartman PropertyCast (iTunes)


Direct download: AIPIS_Jim_Rickards.mp3
Category:general -- posted at: 12:00pm EDT

Vince Ellison joins Jason Hartman to discuss his book, dubbed one of the most important books since 1619. Vince shares how the democratic party has made black Americans dependent on government and discouraged them from being dependent on God. Vince further defines The Iron Triangle and its role. Vince also discusses the infiltration of communism and Marxism in the black church. 

Books: The Iron Triangle: Inside the Liberal Democrat Plan to Use Race to Divide Christians and America in their Quest for Power and How We Can Defeat Them by Vince Ellison

Key Takeaways:

[5:30] If you want to control a segment of the population, you make them dependent. 

[8:10] Has welfare further perpetuated some problems?

[12:25] What are the three sides of The Iron Triangle? 

[13:00] Vince speaks on communism and Marxism, infiltrating the black church.

[16:15] “How can you pull yourself up by your bootstraps when you don’t have boots?” Ellison reiterates M.L.K. Jr. 


Jason Hartman Quick Start

Jason Hartman PropertyCast (Libsyn)

Jason Hartman PropertyCast (iTunes)


Direct download: AIPIS_10TH_IRON_TRIANGLE_Vince_Ellison.mp3
Category:general -- posted at: 12:00pm EDT

Investment Counselor Adam talks to one of the lenders in the Jason Hartman network about what's going on with interest rates these days. People are locking rates below 3.5% on properties $100,000 and up! With rates being at a historic low, what is the timeline on closing a deal?


Direct download: AIPIS_Mortgage_Update_With_Adam_2021_Jan.mp3
Category:general -- posted at: 12:00pm EDT

New Year, New Goals, Same proven asset class! Jason Hartman invites you to celebrate with him another fantastic year of prosperity for all real estate investors practicing some of Hartman’s proven investment techniques. Following the celebration, we must look for the “what next” plan or goal. How do you build your goals? Do you write them down? Do you create realistically achievable goals? 


Key Takeaways:

[1:30] Let’s celebrate our prosperous year of 2020 and look forward to another great one to follow. 

[5:00] The Hartman Stimulus Payment CONTEST

[8:45] Be a self-sufficient person.

[10:00] 80% of Americans do not have goals, and even fewer have written them down. 

[10:40 New Years’ Resolutions are so cliche. 

[12:15] A goal should be just out of reach but not out of sight. 

[15:20] The Winner of the 5-Year Plan Video Contest

[15:40] Winner, Michelle, laid out how she and her family intend to achieve their income property goals. 

[21:20] It’s the kind of person we become just by trying. 

[22:00] SMART Goals

[23:00] Smartsheet from

[26:50] Balance out your portfolio. 


Jason Hartman Quick Start

Jason Hartman PropertyCast (Libsyn)

Jason Hartman PropertyCast (iTunes)


Direct download: AIPIS_New_Year_Goals.mp3
Category:general -- posted at: 9:00pm EDT

Bob Pinnegar, CAE, is the President and Chief Executive Officer of the National Apartment Association (NAA), the leading voice and premier resource for the rental housing industry. Jason Hartman interview Bob Pinnegar to discuss real eviction numbers and the possible expansion of Section-8. How have construction costs made it impossible to build new starter homes? How will the US residential and commercial picture change? Will it merge? Or will it move away from all norms? 

Key Takeaways:

[2:25] Have there been evictions, have there been non-payment issues? 

[7:00] Will we see an expansion of Section-8, or a newer rental assistance program, or possibly UBI?

[11:00] 70 Billion in unpaid rent is expected, but what is the standard for unpaid rent?

[13:30] The construction costs make housing affordability impossible to build. 

[16:30] Our refusal to deal with housing problems has caused a change in urban communities. 

[19:00] Will major urban areas continue to have mass appeal? 

[20:00] Shopping malls have been redesigned into a lifestyle center?

[21:20] Rental housing will still be largely in demand. 


Jason Hartman Quick Start

Jason Hartman PropertyCast (Libsyn)

Jason Hartman PropertyCast (iTunes)


Direct download: AIPIS_Eviction_Problems_or_Not__National_Apartment_Assoc._Bob_Pinnegar.mp3
Category:general -- posted at: 12:00pm EDT

Jason Hartman discusses the 12 days of Christmas with one caveat: inflation adjustments! First, let us all rediscover the true meaning of Inflation. This year, Inflation for the 12 days of Christmas has some peculiar changes, thanks largely to social distancing. Will we get a second stimulus? If so, how much will it be? Does your investment produce income? If not - it’s probably not an investment. 

Contest TWO Winners: $500 Make a video: Tell us about your real estate and investing goals, health, fitness, etc.

Key Takeaways:

[1:20] Inflation, one of the economic maladies. 

[3:10] What’s the average US home price, not the median home price?

[5:30] What will happen with this second pandemic stimulus?

[9:40] Inflation, Inflation, Inflation! 

[10:00] What’s the difference between Real and Nominal, Price, and Value?

[16:20] For 37 years, PNC has been indexing the 12 days of Christmas. 

[20:00] The Inflation starting with a partridge in a pear tree. 

[25:25] Five golden rings or six geese a-laying? 

[31:50] No inflation on nine ladies dancing; it’s not even available. 

[33:00] Are we all going to end up being germaphobes? 

[38:00] Some Q&A from live viewers.

[39:00] What’s double arbitrage?

[40:30] If it doesn’t produce income, can it be called an investment?


Jason Hartman Quick Start

Jason Hartman PropertyCast (Libsyn)

Jason Hartman PropertyCast (iTunes)


Direct download: AIPIS_1623_The_12_Days_of_Christmas_INFLATION_ADJUSTED.mp3
Category:general -- posted at: 9:00pm EDT

Jason Hartman talks with Dan Ferris, the editor of Extreme Value and host of the Stansberry Investor Hour Podcast. Dan and Jason speak on subjects ranging from the broad economy to some of the conspiracy theories that might be ignored a little too much. Understanding the government’s role in the shifting economy and what the Fed is doing with each dollar can help one understand whether or not we are in a bubble. As well, how long can the stimulus work before it has no effect?

Land, gold, and art OR stocks, bonds, and cash? “You need to learn to preserve wealth outside the financial system,” Ferris said. Ferris and Hartman go in-depth discussing diversification and its importance versus playing it safe with multi-dimensional assets. Inflation, don’t predict it, prepare for it.

Key Takeaways:

[2:00] Would our founding fathers have been called “conspiracy theorists with tin foil hats?”

[5:00] The government wins every election. 

[6:00] Where is the economy going?

[7:45] The Fed doesn’t buy securities because they are saving up for retirement. 

[11:15] Why might the stimulus stop working so efficiently?

[15:00] “This is the most insanely overvalued market in all of history.” - Ferris

[18:00] Nit-picking on Warren Buffet. 

Dan Ferris

[21:00] Let’s talk about Bitcoin, Gold, and Silver. 

[23:10] “Bitcoin is the hardest currency on Earth.” - Ferris

[30:00] Bitcoin, is 11 years long enough for people to start accepting it for commerce?

[32:45] Inflation is coming! 

[34:00] Will there be a great reset?

[35:00] Don’t predict, prepare. 

[36:45] Land, gold, and art OR stocks, bonds, and cash?


Jason Hartman Quick Start

Jason Hartman PropertyCast (Libsyn)

Jason Hartman PropertyCast (iTunes)


Direct download: AIPIS_Dan_Ferris.mp3
Category:general -- posted at: 9:00pm EDT

Jason Hartman invites you all to put on your tinfoil hats in preparation for this interview with George Gammon exploring some topics often considered economic conspiracy theories. George, a regular visitor on our show, brings you some unsettling details outlining the great reset and the repo market. How are communism and capitalism connected? How far will artificial intelligence infiltrate into our every day lives?  

In part two of this discussion, George Gammon talks with Jason Hartman, further illustrating some of the truth behind global conspiracies. George states that more data produced by the free market capitalist economy is needed to understand and accurately control pricing. What are we trading for green energy?

Key Takeaways:

[2:15] Let’s put on our tinfoil hats for a moment. 

[3:30] What is the repo market?

[9:40] “A trillion a day keeps the economic consequences away.” -Jason

[11:40] This great reset has been talked about since 2016 or earlier. Conspiracy theory?

[14:15] EVERYTHING shall feed into the central computers.

[17:45] George goes deep into artificial intelligence. 

[21:00] Is communism the next stage of capitalism?

[23:00] Big government is great for the inner circle.

[24:15] Price signals help you allocate resources efficiently. 

[25:30] We need all of the data that is produced by the free-market capitalist economy. 

[26:10] George explains the benefits of a central bank digital currency.

[28:50] The digital currency that wins the game is the one backed by the government. 

[31:00] The possibility of digital currency backed by the government puts an overwhelming amount of control into the government’s hands. 

[34:30] People generally revolt against their inability to eat, not having freedom stripped away.

[37:40] Is there a chance that we can sustain our current lifestyle if we move to green energy?

[39:45] Is green energy a trade-off or a solution?

[43:45] How can we compare today to how unemployment was measured during the great depression? 

[46:00] Own a little gold, maybe some bitcoin, definitely have a 30 year fixed mortgage.


Jason Hartman Quick Start

Jason Hartman PropertyCast (Libsyn)

Jason Hartman PropertyCast (iTunes)


Direct download: AIPIS_The_Great_Reset_George_Gammon.mp3
Category:general -- posted at: 12:00pm EDT

Jenna Weinerman, VP of Marketing from, joins Jason Hartman to share some facts and figures on Americans' move out of big cities. Updater is an app that helps to complete all of the peoples' moving-related tasks. This app has a lot of moving data collected from real estate businesses across the US.

Key Takeaways:

[2:00] What is Updater?

She is the VP of Marketing - 

Updater helps to complete all of the peoples' moving-related tasks.

[3:00] With Updater, they can survey one-third of the market. 

[5:00] Jenna explains the difference between moving and a relocation event in terms of the pandemic. 

[6:45] Is there support for the anecdotal evidence that people are moving mid-pandemic? 

[9:45] Bidding wars across the country with this unusually long real estate season. 

[11:00] Zoom fatigue. But the tech is there to work from home. 

[11:45] Three more national moving trends starting with: the distance that someone moved.

[14:45] Why did mobility spike? Why are people moving in this period?

[15:15] Are people leaving the city? 

[18:30] Warm southwest climates are receiving more new residents. 

[23:00] You can't always take data at face value.

[24:00] Discussing net loss. 

[28:30] What cities are making headlines and why? The Covid-19 Effect on NYC

[29:45] San Franciscans liked to stay in California, while NYC residents likely left the state.

[33:25] Jenna continues to break down where people that fled ended up. 

[35:15] Where did San Franciscans go? … besides California, Texas! 

[40:00] Where are Boston and Vegas residents going?

[43:00] A lot of people are moving to Denver, CO. Where are they coming from?

[47:30] What should our country expect moving forward?

[52:00] If there were ever a time to purchase a home, now is it! 


Jason Hartman Quick Start

Jason Hartman PropertyCast (Libsyn)

Jason Hartman PropertyCast (iTunes)


Direct download: AIPIS_353__Surprise_COVID_Moving_Trends_Jenna_Weinerman_interview_only.mp3
Category:general -- posted at: 12:00pm EDT

Rick Sharga, Executive Vice President of Marketing at RealtyTrac, talks with Jason Hartman about forbearances and foreclosures. Does one lead to the other, and how will this differ from the great recession? How has COVID-19 changed how millennials approach renting vs. buying? 

Rick Sharga also distinguishes between foreclosures and opportunities. Rick also gives an excellent insight into every sector of what he thinks is to be expected in the commercial real estate market. 

Key Takeaways:

[1:00] Everyone is asking, "is Covid going to cause a housing crash?"

[2:00] Covid has not slowed down the housing market even a little bit. 

[3:45] The pandemic accelerated millennials' trend to stop as urban renters and move to a place of homeownership. 

[10:30] The 2006 median price home was $650 more expensive than the median price home today, adjusted for interest rates and inflation. 

[12:00] Rick distinguishes between foreclosures and opportunities.

[18:00] Will 3 million in forbearance programs end up in foreclosures?

[21:00] What happens when all of these loans come out of forbearance?

[26:45] Discussing California's new law that the institutional buyer cannot buy foreclosures. 

[28:45] We already see a higher number of commercial foreclosure properties popping up. 

[30:00] Rick breaks down his expectations for each sector of the commercial real estate environment. 

[33:30] One of the most significant shortages in housing is in the low price tiers. Here's why.


Jason Hartman Quick Start

Jason Hartman PropertyCast (Libsyn)

Jason Hartman PropertyCast (iTunes)


Direct download: AIPIS_Rick_Sharga.mp3
Category:general -- posted at: 9:00pm EDT

Jason Hartman talks with Barry Zigas, Senior Fellow at Consumer Federation of America. Barry shares a brief, descriptive history lesson on how Fannie Mae and Freddie Mac came to be. Barry and Jason discuss the low and middle-income housing crisis and what factors contribute to homeownership rates. 

Barry Zigas joins Jason Hartman to discuss student loans compared to home loans. Is this similar to a problem we’ve seen in the recent past? How does the shortage of affordable new homes drive inflation?

Key Takeaways:

[1:00] Fannie Mae and Freddie Mac were both created by acts of congress. 

[4:30] Is the Fannie Mae/Freddie Mac mission to increase homeownership?

[6:20] Let’s talk about global home ownership comparisons.

[11:00] What factors contribute to homeownership rates?

[12:15] There’s still discrimination in the mortgage markets.

[14:30] Redlining is a term defined as a percentage of non-white people living in a community.

[16:45] How much of the community reinvestment act is to blame for the great recession?

[21:00] Student loans compared to home loans, is this a perpetual problem?

[24:00] There’s a tremendous shortage of affordable new homes to buy, which is part of what’s driving inflation.

[27:20] San Francisco, what caused its high prices throughout history, and will that change from COVID-19?

[34:00] COVID-19 has employment implications, which will translate to housing implications.



Direct download: AIPIS_Barry_Zigas_.mp3
Category:general -- posted at: 12:00pm EDT

Jason Hartman is joined today by Robert Spencer, author of Rating America's Presidents, An America-First Look at Who Is Best, Who Is Overrated, and Who Was A DisasterThis book is a non-partisan analysis of the US President's performance in office. Jason and Robert discuss sociological changes in the US and harsh rhetoric from either party. Will the US re-elect Trump, if so, will he be the last Republican President?

Key Takeaways:

[1:40] This is not a republican or democratic book; this book is America First! 

[3:00] Are the left "for the people" or for big government? 

[8:00] "With the truth about history, we can reclaim the public discourse." -Spencer

[14:20] If Trump wins reelection, where will the US be in 4 years?

[16:25] Will Trump be the last Republican President?

[20:00] Rating US Presidents, example: Woodrow Wilson. 

[23:00] One of the recipes for being a good US President is…?


Jason Hartman Quick Start

Jason Hartman PropertyCast (Libsyn)

Jason Hartman PropertyCast (iTunes)


Direct download: AIPIS_10th_Rating_Americas_Presidents.mp3
Category:general -- posted at: 12:00pm EDT

Clear some confusion about tax strategy, and gain some added tricks of the trade by listening to this interview. Jason Hartman talks with Amanda Han and Matthew MacFarland, authors of Advanced Tax Strategies for Savvy Investors. Tax laws can change every year, so it’s crucial to take advantage of them as soon as you can. Learn what most investors forget to do for some of the best write-offs.

Key Takeaways:

[2:30] Excited to have advanced tax strategy with a focus on RE

[3:00] Will we lose the 1031-Exchange with Biden in office? 

[8:10] Many RE investment property owners overpay on taxes because they do not view themselves as a business when it comes to their taxes.

[13:40] How do I take more deprecation sooner than later, with a cost segregation study?

[20:20] How do you prepare to take unlimited deductions, regardless of income - by qualifying as a real estate professional?


Jason Hartman Quick Start

Jason Hartman PropertyCast (Libsyn)

Jason Hartman PropertyCast (iTunes)


Jason Hartman interviews Lynette Zang, Chief Market Analyst at ITM Trading, about everything monetary policy. Opening with one of Lynette’s favorite charts shared from the FRED, Federal Reserve Education Department, Lynette, and Jason guide us through a discussion to clear up nominal confusion. Zang shares recent developments with FedNow and how this will affect the individual. 

Jason asks Lynette what she recommends we should do to protect ourselves? Lynette expresses her confidence in gold and why this is one of the three central pillars of dynastic wealth. As well, Jason and Lynette discuss inflation, the how and why of its existence, and how it’s controlled. 

Key Takeaways:

[2:30] Looking at one of Lynette’s favorite charts from the FRED, Federal Reserve Education Department. 

[3:45] Fiat literal translation: government decree.

[6:00] Nominal confusion; ‘they’ knew that people do not understand inflation and that they marry the legal money of the state because inflation causes nominal confusion. 

[9:00] What is a total financial reset?

[11:10] The FedNow is about you, the individual, having an account directly linked to the Federal Reserve.

[13:45] The basis of wealth is capital formation. You’ve got to save in order to invest.

[19:00] What is Gavi, The Vaccine Alliance?

[27:00] Whenever you hear the term nominal, you must understand that the truth is being hidden.

[28:30] What should we be doing to protect ourselves?

[29:10] Dynastic wealth is real estate, rare metals, and gold money. 

[31:40] Gold acts as wealth storage, holding its value over time. 

[33:55] Inflation is an invisible way for the government to tax you more.

[35:40] Real estate inside of a reset faces two issues. 

[37:30] There is almost no such thing as a free and clear property?

[43:30] How do negative interest rates work/exist?

[51:40] What does it mean when the LIBOR goes away?


Jason Hartman Quick Start

Jason Hartman PropertyCast (Libsyn)

Jason Hartman PropertyCast (iTunes)

Direct download: AIPIS_Lynette_Zang.mp3
Category:general -- posted at: 12:00pm EDT

Sean O'Toole joins Jason Hartman today to discuss the next foreclosure crisis? Will it happen, or where will it happen? Sean O'Toole shares his thoughts on the re-ruralization of America. They also discuss Property Radar and the data they’ve uncovered. Where does inflation go? Are we, the U.S.A., more susceptible to the boom or bust outcome because we are the reserve currency of the world? What is iBuyer, and is it any good?

Key Takeaways:

[4:30] We're not expecting a foreclosure crisis as we saw in the recession. 

[7:30] "I don't think we'll get back to that price drop. Price drops require a motivated seller."

[10:10] Is this the re-ruralization of America?

[13:30] Is this a black swan or a white swan event? (2016)

[18:00] The inflation always goes to asset price inflation versus consumer inflation. 

[20:00] Does the U.S. being the reserve currency of the world make us more “boom and bust?”

[21:00] Is modern monetary theory, MMT, a fantasy?

[26:45] What is Property Radar researching? 

[31:00] What is iBuyer?


Jason Hartman Quick Start

Jason Hartman PropertyCast (Libsyn)

Jason Hartman PropertyCast (iTunes)


Direct download: AIPIS__Property_Radar_Sean_OToole.mp3
Category:general -- posted at: 12:00pm EDT

Todd Teta entertains the question, "how do we go from what we would've expected, to what might happen due to the impact of COVID-19?" Teta, a Chief Product and Technology Officer for ATTOM Data, talks with Jason Hartman about several ranging metrics with real estate and explains the importance of these numbers. Will this contribute to a rise in foreclosures?

Key Takeaways:

[2:45] What's the price of the home vs. what's the cost of the home? We're talking about the price-tag vs. the mortgage. 

[6:30] Where does ATTOM get their data?

[8:20] What was the level of risk in March 2020 going into each market?

[9:20] "406/3,007 counties comprise north of 990% of all US real estate transactions."

[14:40] Foreclosures so far have been a non-issue, but we do expect this to tick up. 

[21:20] We are now looking back at the Great Recession, as not to repeat it. 

[24:20] Anecdotal evidence of people searching for suburban homes is popping up—searches like walking trails, parks, neighborhood restaurants, etc. 

[30:30] If foreclosures double, what will happen with home prices?

[35:30] Is purchase activity well below average due to supply or demand?


Jason Hartman Quick Start

Jason Hartman PropertyCast (Libsyn)

Jason Hartman PropertyCast (iTunes)


Direct download: AIPIS_Todd_Teta.mp3
Category:general -- posted at: 12:00pm EDT

Zoom Virtual Event: October 17th, 2020

Early Bird Admission:

Get Instant access to Jason Hartman’s newest report, you'll learn…

  • The modified square root shaped recovery
  • Understanding the rare economic malady of supply/demand shock
  • Generational PTSD and what it means to you & society
  • The six lifestyle mega-trends that will change the world forever
  • And much much more!

Direct download: AIPIS_Special_Announcement__Pandemic_Investing_Summit.mp3
Category:general -- posted at: 10:00am EDT

Jason Hartman invites client, Adam Jackson, onto today’s show to discuss how he turned 5 years of investing into 14 properties with infinite returns. Adam shares his story from listening to an audiobook, to our podcast to becoming an investor. This is all coming from a USMC vet and someone in the aerospace industry. 

As well, Jason and Adam discuss the global currency, the Baby-Boomer to Millennial wealth transfer. How will the Millennials treat this wealth transfer, one of the largest wealth transfers to date. Lastly, people are fleeing NYC, or upgrading their NYC apartments.
Key Takeaways:

[2:15] Adam shares what are his “infinite returns” on half of his portfolio.

[5:00] Adam’s story from reading Seven Years to Seven Figures, listening to Creating Wealth Real Estate Investing, and closing on his 14th property. All in 5 years!

[10:00] Gain control of the real estate and then let it work for you. 

[13:00] What were the good/bad experiences in the first five years of investing?

[18:00] Your worst deal was a double-digit ROI?

[21:30] Some people in the income property game think they’re losing when they’re winning because they don’t know how to do the math. 

[24:30] Income property investing vs. Wall St. 

[25:30] Where do you see the US going, from a perspective in tech and aerospace?

[29:00] If not the US, who will take the place of the world's reserve currency?

[32:45] The Boomer to Millennial wealth transfer.

[34:00] People are fleeing NYC or upgrading their size for the same price.

[36:10] Beyond property tracker, what other apps, tools, or resources do you use?


Jason Hartman Quick Start

Jason Hartman PropertyCast (Libsyn)

Jason Hartman PropertyCast (iTunes)


Direct download: AIPIS_Client_Case_Study_Adam_Jackson.mp3
Category:general -- posted at: 12:00pm EDT

Founder of Excelsior Capital, Brian Adams joins Jason Hartman today to discuss everything from millennials moving to the suburbs to the office market and how it’s changing post-pandemic. Public transportation is likely to continue its trend downward as the car will regain popularity in need for social distancing and health. 

Key Takeaways:

[2:30] Millennials, it’s not all Brooklynn bars and avocado toast, now they are trending towards suburban areas. 

[7:00] Speaking on the logistical challenges of a vaccine for COVID-19

[9:15] What do you see for the office property market?

[11:30] Suburban offices have a better chance of surviving the pandemic than high-density urban areas.

[14:15] Companies moving more towards mothership and hub and spoke models. 

[15:15] Are any new deals going on in the office market?

[16:00] How far through this pandemic do you think we are?

[17:20] The fed and congress have been flooding the capital market system with liquidity. 

[21:45] Will the development of tech push non-techies into a need for UBI? 

[22:25] Discussing office reuse. 

[25:45] Inflation will more than likely hit back.

[27:00] While the supply chain might be lacking, the price of construction seems to be substantially lower.


LinkedIn: Brian C. Adams

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Direct download: AIPIS_1516-17_Brian_C._Adams.mp3
Category:general -- posted at: 12:00pm EDT

Jason Hartman talks about the K-Shaped recovery. Are we moving to a smaller economy? Can Biden kill the 1031 exchange, and use those tax funds elsewhere? How will this impact every aspect of real estate surrounding investor deals? 

Jason interviews Chairman of Whalen Global Advisors LLC, R. Christopher Whalen. Whalen speaks on location changes of people and businesses due to Coronavirus. Not only are business locations changing, but companies have been forced to move away from the “old way” of doing business and finally adapting to innovations in technology and communication. Whalen also gives a glimpse into his recent book and discusses the fed’s strategy to steer clear of deflationary times. Will we see consequences from the creation of money and bailouts? 

Books: Inflated, How Money & Debt Built the American Dream  by R. Christopher Whalen

Key Takeaways:

[1:00] Jason talks about the recovery shapes: are we moving into a smaller economy?

[5:00] Businesses going virtual.

[9:20] Biden wants to kill the 1031 exchange. 

[15:00] Could Biden use the elimination of the 1031 exchange as a way of embarrassing Trump?  

R. Christopher Whalen

[21:00] Not only are people leaving big cities, like NYC, because of COVID-19, but large companies are also looking to move so that they can relocate the people that work within them.  

[23:30] Coronavirus has forced businesses to move out of “the old way.”

[27:50] A brief history of banking, from Abraham Lincoln to present.

[30:20] Before the creation of The Fed, J.P. Morgan was essentially the central bank. 

[32:00] Whalen breaks down how he differentiates between inflated as he puts it and inflation. 

[37:15] Will we see any consequences from the creation of money and bailouts?

[38:00] Quantitative Easing: central banks buy government bonds or other financial assets to inject money into the economy to expand its activity. 


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Jason Hartman speaks with Leslie Appleton-Young, vice-president and chief economist for the California Association of Realtors. Leslie brings several charts and graphs to the conversation to share some staggering movement in California's real estate. In January, 2020 was shaping up to be a knock out year, but due to the Coronavirus pandemic, we are now looking at best for a quick recovery. Leslie and Jason draw correlations between the 2008 recession and recovery to the recent, seemingly, self-imposed recession. 

As well, Leslie shares data to support buyer/seller trends as emotions shift from the COVID-19 impact. The question continues to go unanswered, how will malls, retail space, and hotels change post coronavirus?

Key Takeaways:

[7:30] Jason and Leslie discuss predictions based on the Q2 hit in 2020, ranging from a 25% - 42% decline. 

[9:00] The buy-side of real estate is doing well, likely because of record low interest rates, more space needed for home offices, and more space desired in quarantine times. 

[15:30] In January, the 2020 expectation was to be a great year based on some standard metrics.

[16:20] We have not had a breakout market since the 2008 recession due to income and affordability restraints. 

[19:00] The virus and the government's response are two major contributing factors to set the tone for sellers and the recovery of the real estate market. 

[20:15] What is the general tone of California, are people staying or going? 

[24:45] We've seen a considerable adaptation of technology in the real estate industry. 

[30:00] Buyers feel a sense of urgency without expecting deals, while sellers are reluctant to lower their prices. 

[35:30] Jason and Leslie discuss the lack of supply and the building restrictions as one of the leading causes for a reduced amount of new homes being built. 

[38:00] How could malls, retail space, and hotels change into residential units for affordable housing, senior centers, or homeless shelters?

[40:30] What shape will the recovery take on? V, square root, swoosh, or W?

[43:00] The work-from-home order will likely be huge for housing.


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Direct download: AIPIS_Leslie_Appleton.mp3
Category:general -- posted at: 12:00pm EDT

Dr. Bryan Taylor joins Jason Hartman as they rewind the clock 1,000 years to look at the history of interest rates and housing costs. The bubonic plague and the Spanish Flu have both had an impact on economics. How does this relate to Coronavirus? 

Living in urban areas has historically been out of necessity. Currently, technological advances have taken away the demand for living in highly populated areas. Taylor and Hartman discuss the change in housing costs as influenced by the bubonic plague 800 years ago, but how reliable is this information?

Key Takeaways:

[2:00] Are interest rates the lowest they’ve ever been in history?

[3:20] Government debt explained based on the influences surrounding World War II

[4:20] Did Paul Volcker make the right moves?

[5:30] Are interest rates too low? What’s the fallout?

[8:30] Prices are being controlled mainly by a lack of demand.

[12:00] Flashback 102 years to the Spanish Flu, what happened economically?

[16:00] Are we to face a repeat of the roaring ’20s?

[20:00] Technology has solved the necessity of living in urban areas.

[21:15] During the bubonic plague, 1/3 third of the population was wiped out, while the houses remained, causing the most significant housing price drop in history.

[25:25] How reliable is 800-year-old data?


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Direct download: AIPIS_Brian_Taylor_.mp3
Category:general -- posted at: 12:00pm EDT

Dan Millman, author of The Life You Were Born To Live, is here to discuss the loneliness epidemic as well as his recent book. The question that surrounds this discussion is, "What do I want to look back on five years from now, when this is behind us?" Dan and Jason discuss the challenges of constraints but the creativity that comes from it. How will people cope with the loneliness epidemic?

Key Takeaways:

[0:00] Guest Dan Millman

[2:45] How will people cope with the loneliness epidemic? Will coronavirus impact our interaction with technology in a positive way?

[5:00] There’s a huge difference between not being able to eat, and choosing not to eat.

[8:00] Constraints breed creativity.

[11:00] Athlete’s understand the law of presence. 

[15:15] Are we spiritually weight lifting now?

[17:45] Being at home, and less stimulated, is tuning up our RAS, reticular activating system.

[19:45] “Right now humanity is going through a transformation and no one promised that it will always be pleasant.” -Millman

[24:00] What do I want to look back on five or ten years from now? How did I treat this period?


Direct download: AIPIS_340__Loneliness_Epidemic.mp3
Category:general -- posted at: 12:00pm EDT

Nobody wants to live in high-density areas anymore. It’s gone beyond the fear of coronavirus. Investment counselor, Doug, talks with Jason about Inflation, Inflation, Inflation. As well, Doug and Jason discuss the middle-class fiction. What is happening to our middle-class, and how can we learn to create wealth? Finally, rent is due, and residential tenants are paying, but are commercial real estate landlords having the same good fortune through pandemic times? Everyone is working from home, and most people are enjoying it.

Key Takeaways:

[2:30] Nobody wants to live in high-density areas anymore. It’s more than just coronavirus urging persons to move to suburban areas.

[5:00] We are watching the ultimate collapse of the “middle-class fiction.”

[9:30] The whole middle class is being hollowed out. 

[12:45] Rent stability seems to be almost on par with previous years.

[16:00] Commercial tenants are having a much bigger problem paying rent when compared to residential tenants. 

[20:00] Inflation, Inflation, Inflation. 

[26:45] If you give the government unlimited authority to deal with the climate, it won’t fix the climate. Instead, you’ll have an authoritarian government with an equal or worse climate. 

[31:30] People can work remotely, and they like it!


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Direct download: AIPIS_Inflation_Sectors__Rent_Collection.mp3
Category:general -- posted at: 12:00pm EDT

The Mortgage Coach software was designed to help people analyze the mortgage as a part of the asset. Dave Savage and Jason Hartman walk through the four essentials that every family should know when getting into mortgage debt. This episode builds your strategy and understanding of mortgage as an investor or for your residence. Stay tuned for a quick walk-thru of refinance options and buy-downs. 

Key Takeaways:

[2:25] Start with Why? - Simon Sinek

[3:30] The four essentials that every family should know when getting into mortgage debt.

[5:45] How can we become debt-free faster, or invest the difference?

[9:10] Refinancing options.

[13:30] Breaking apart buy-downs. 

[14:45] Points are just interest. You can pay interest in advance or monthly. When is it economically smart to pay points. 

[19:00] Go beyond the rate sheet that your loan officer gives you to calculate your wealth potential. 


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Direct download: AIPIS_The_Mortgage_Coach_Dave_Savage.mp3
Category:general -- posted at: 12:00pm EDT

Real Estate Star, Bryan Casella joins Jason Hartman from sunny California to share tips on getting started in real estate. This interview is all about having a top producer mindset. Bryan shares his story from pro basketball to real estate broker and the tips he’s learned about being on a high level of success. Bryan answers questions about what he studied to gain the knowledge and tactics he used to get ahead. 

Key Takeaways:

[2:00] How did you go from a professional basketball player to a real estate broker?

[6:00] “Getting started and door knocking was my claim to fame.” - Casella

[7:13] Were you prospecting in a sort of shotgun-style, or farming specific areas?

[8:45] In regards to career-advancing, Casella studied the greats and got certified in hypnotism. Mind and communication versus sales and techniques. 

[12:00] Are you the agent concerned about the latest and greatest tech, shotgun, and sweat, or combining the two?

[15:12] It’s the Production versus Production Capacity balance. 


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Direct download: AIPIS_Bryan_Casella.mp3
Category:general -- posted at: 12:00pm EDT

Dr. Richard D. Wolff, professor of economics and author of Understanding Marxismjoins Jason Hartman today, discussing the global economic meltdown. Wolff shares his interpretation of marxism and why he believes that is has been poorly applied. As well, Hartman and Wolff discuss capitalism in America, the perception and the reality. 

Wolff and Hartman discuss the disproportionate pay between CEO and workers. The CEO to worker compensation ratio has changed dramatically. Wolff states that a cooperative/directorship might work using the example of The Mondragon Corporation. 

Key Takeaways:

[2:15] Was Karl Marx's ideas applied wrong?

[8:45] "A liberal and a marxist are not the same things."

[10:30] What is a Marxist? 

[12:45] Capitalism didn't make the break from fatalism and slavery that it thought it did. 

[16:45] Did any country have genuine pure marxism?

[20:30] "There's a reason that a very small number of people are capitalists (entrepreneur) and a very large number of people are workers" - Wolff

[20:45] How do we solve the issue of disproportionate pay between boss/worker, redistribution? 

[24:00] How would a company run with a representative republic, cooperative, or directorship?

[25:10] Successful Co-op, The Mondragon Corporation. 

[31:45] What is the Yellow Vests Movement?


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Direct download: AIPIS_336_1503_Richard_Wolff_Part_1-2.mp3
Category:general -- posted at: 9:00pm EDT

Adam Robinson is on the show today to dive deep into the collapse of a global market. It’s not just about inflation and deflation; it’s about understanding the collapse of the velocity of money. Now, the majority is trying to understand negative interest rates. 

Adam Robinson returns to the show to further his discussion with Jason about macroeconomics. A system based on radical consumption is a losing battle. How has this shaped us, and how has the coronavirus changed how we eat, dress, consume, and even view real estate?

Key Takeaways:

[1:00] Millennials, Gen Z, or people in the prime of their life can afford Manhattan and are looking to migrate away from high-density areas. 

[3:00] Are we looking at a collapse in the global economy?

[9:15] What would the economy look like if everyone got a check for $100k? 

[13:10] Inflation and deflation aside, what we care about, is the velocity of money, which has collapsed. 

[15:45] With negative interest rates, we are paid to own gold.

[22:10] A system based on radical consumption is a losing battle. 

[25:45] Let’s break away for a Google/Psychology session. 

[31:00] Our home life has changed so much. How we eat, dress, and purchase, things have shifted because of the Stay-At-Home orders. 


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Direct download: AIPIS_1498_Global_Macro_Advisor_Part_2.mp3
Category:general -- posted at: 9:00pm EDT

Founder of, Adam Jason, real estate attorney and BRRRR investor, joins Jason Hartman from Medellin, Colombia to discuss some different methods of real estate investing, particularly the BRRRR method!  We also dive into the online deal analysis and legal solution he has specifically-crafted for BRRRR investors! Adam points out some key differences in rehabbing a home when the expectation is set for flipping versus renting. As well, Adam shares some experience working with contractors, and what you need to do to avoid certain problems. 

Key Takeaways:

[1:45] What does BRRRR mean? Buy, Rehab, Rent, Refinance, Repeat

[3:30] What is the reason for the renewed interest in the hold concept?

[5:00] The rehab market has different expectations for renting and flipping, explained by Adam. 

[6:30] How do you get deal flow?

[10:20] What are some of the tricks of the trade for this method?

[12:00] What typical problems do you see with contractors?

[15:00] Working with contractors, incentives, penalties, and supply delays. 

[18:00] What motivated your move out of the U.S. and to Colombia?

[22:30] Explain the landlord-tenant laws in Colombia.


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Direct download: AIPIS_BRRRR_Invest.mp3
Category:general -- posted at: 9:00pm EDT

Dan Franks joins Jason today as part of a client case study. Dan is a former CPA, happy to have handed off the CPA duties to someone else as he manages his investment portfolio. As a fellow podcaster, he understands the value of information through podcasting and is here to share his story as a twelve-year listener of this show, and real estate investor.  

Key Takeaways:

[2:30] Dan Franks, the first podcast ever listened to was Creating Wealth.

Now, the Podcast Movement

[8:00] How and where did you get started investing?

[9:30] What got you interested in real estate, and the podcast?

[12:00] What was step two for real estate investing?

[17:00] When hiring an accountant, it’s great to find out if they speak the lingo of someone involved in real estate investing.

[20:00] How did this transform from investment to real estate business for you?

[26:15] What are your goals with your real estate portfolio?


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Direct download: AIPIS_Client_Case_Study_Dan_Franks_CPA.mp3
Category:general -- posted at: 9:00pm EDT

Expert of home inspections, Kathleen Kuhn, joins Jason Hartman to share what to look for and what’s most problematic in home inspections. Kathleen gives the 101 and the advanced tools needed to make sure that you get your home inspections done properly. 

Key Takeaways:

[1:00] Always get a home inspection, learn from the best, Kathleen Kuhn.

[1:30] What are some of the most common home inspection problems seen?

[3:45] Roof flashing 101, and its importance.

[6:15] In regards to home inspection, is there an ideal location, that is less problematic?

[7:45] Do you prefer a certain construction style as far as the quality of build?

[11:00] Understanding the prices of home inspections and add-on inspections.

[14:00] How do you mitigate radon?

[15:30] Requesting a re-inspection

[18:30] How has the use of drones changed the home inspection process?


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Direct download: AIPIS_Kathleen_Kuhn_How_To_Do_A_Home_Inspection.mp3
Category:general -- posted at: 9:00pm EDT

Banks are worried, lenders are tightening up, and the overall mortgage process has changed. Aaron Kopelson discusses with Jason Hartman, some of the biggest changes he has seen in the last few months. 

Key Takeaways:

[1:30] One of the mortgage lenders' current biggest fears, and reason for tightening up, is an early payment default or a first payment default. 

[3:00] What is a jumbo loan, and what defines the limits per market?

[5:00] There’s no appetite from investors that want to buy mortgage-backed securities for these non-QM loans. 

[7:00] Real estate is a credit backed asset. When the financing starts to dry up, so do the prices. 

[10:00] Nobody was paid to put the breaks on and look at where we ended up (2008 recession)? 

[11:20] Fannie and Freddie are allowing for drive-by and desktop appraisals. 

[14:25] Is mortgage insurance allowed on investment properties?

[18:10] V.O.E. Verification of Employment

[19:45] What’s an overlay?


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Direct download: AIPIS_Aaron_Kopelson.mp3
Category:general -- posted at: 12:00pm EDT

Ellen Brown is today’s guest here to discuss Universal Basic Income, UBI. As well, she shares some interesting details about what happens to the money when a debt is paid. How did China increase its money supply by such a large percentage in two decades? 

Key Takeaways:

Guest: Ellen Brown, author of over a dozen books including, The Public Bank Solution, From Austerity to Prosperity

[2:30] What is a postal account? 

[10:45] What is the end game of money spending?

[12:10] Money is lent into existence. Banks create the principal but they don’t create the interest, so debt always grows faster than the money supply.

[15:00] The real economy is always short of money because there’s a hole in the bucket that always drains into the financial economy.

[16:00] What is the financialized economy? 

[20:20] Debt grows until it gets so high that people can’t borrow anymore, so they pay down their debts instead of taking out new debts. That shrinks the money supply. That goes into deflation which goes into depression. 

[22:30] Money evaporates when it pays off the debt.

[26:30] All of our money is credit. China increased its money supply by 1800% in twenty years, and they did not run into hyperinflation. Find out more. 



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Direct download: AIPIS_10th_Show_1455_Ellen_Brown_UBI.mp3
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Escape to the suburbs! Jason Hartman and Evan Moffic discuss the changes approaching in how we look at our homes. With the benefit of work and school being just a few feet away from our beds, we are all looking to improve our homes. And for those that are currently renting an apartment in the high-density, urban environments, a move in the direction of suburban-living is looking more and more promising. Homebuilders are saying that they are already seeing the effects of this growing trend. 

Fannie Mae and Freddie Mac are buying loans in forbearance and essentially they keep kicking the can down the road, delaying the inevitable. 

Key Takeaways:

[1;30] “Inflation is a disease of money, thus inflation may have become the oldest form of government finance…” - Jens O. Parrson

[7:00] Escape to the suburbs! All of the reasons why both present and past. 

[9:00] People are cocooning in their house.

[13:30] Home improvement will climb as a home office and school space is needed, colleges will change their format, gyms will try new concepts. 

[21:00] Homebuilders have seen sales jump as renters flee small urban apartments.

[24:30] Why Elon Musk is talking about moving Tesla out of California.

[27:20] FannieMae and FreddieMac are acting in a dysfunctional manner to bail out the system.


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Direct download: AIPIS_America_Is_Moving.mp3
Category:general -- posted at: 9:00pm EDT

Jason Hartman and Rabbi Evan Moffic talk about the big migration out of high density areas. Starting in 2016 a trend of moving to low density areas started to grow and the pandemic has encouraged the departure from more densely populated areas. While these trends may rely heavily on the wants and needs of Generation Z, health issues and worker experiences might speed up the migration. 

Key Takeaways:

[4:00] Pandemic proved how densely we are living, and also how successfully you can live working remotely

[7:00] Starting in 2016, a trend of non-metropolitan counties were gaining population more-so than metropolitan counties

[9:45] A lot of the migration trends could depend a lot on Generation Z

[13:00] What led you to believe that this mass migration to lower density living would occur?

[16:40] The average population density (APD) of the U.S.A. is only 87 people per square mile

[17:28] The APD of metropolitan areas of the U.S.A. is 283 people per square mile, and the APD of New York City is 27,000 people per square mile

[21:30] The rise of socialism 

[25:30] “Expansions make millionaires, recessions and depressions make billionaires”

[26:20] “In a recession or a depression, the person who wins is the person who loses the least”



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Today, Jason Hartman discusses the Phillips curve and its relevance to our current economic situation. While we are all challenged in ways to adapt to our shelter-in-place advising, several benefits are being popularized out of necessity. Telemedicine, or telehealth, is growing rapidly, and not just for humans. Veterinary practices are using telemedicine for your pet's health as well.

Steve Hochberg returns to elaborate on the Elliott Wave. How do we know when we have too much debt, the U.S., or the individual? 

Key Takeaways:

[1:00] Is Kim Jong-Un alive?

[5:30] Telemedicine, we’re finally there

[8:00] The Phillips curve

[14:00] Monetary policy comes from central banks, and fiscal policy comes from the government 

Guest: Steve Hochberg

[22:00] Everything the Fed has said they’re going to do has been backed by the Treasury. The treasury has pledged to cover any losses that the Fed is going to incur through their lending programs, and this can’t go on forever

[24:00] How do we know when we have too much debt?

[28:30] “I think there’s a huge bull market starting right now, and it’s the bull-market in cash” -Hochberg


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Direct download: AIPIS_1448_Phillips_Curve_Elliot_Wave_Steve_Hochberg_PART_2.mp3
Category:general -- posted at: 12:00pm EDT

Jason Hartman shares sound advice on the top four reasons that a company fails. Steve Hochberg joins Jason to break down the methods of the Elliott Wave Principle. Listen to how the Elliott Wave Principle used collective investor psychology to predict 2020 stock market trends, without the influence of Coronavirus, as early as late 2019. Will we continue to see the stability of linear markets vs the volatility of cyclical markets, post-pandemic? Do recessions cause cautious businessmen or do cautious businessmen cause recessions? 

Key Takeaways:

[2:30] From a discussion: the four primary reasons a company fails

[4:00] Number one, FEAR - Faults, education, appearing, real

[5:15] Number two, mindset

[9:00] Number three, lack of connections

[11:30] Number four, Lacking systems and process

[15:20] What is going on in the financial world?

[17:00] Unfolding the Elliott Wave Principle 

[18:20] “Late 2019, the U.S. economy had some very strong economic numbers, the social mood was very elevated, but there were some underlying problems going on”

[19:20] The yield curve: the three month U.S. Treasury bill yield minus the ten year U.S. Treasury note, had inverted, which was a key indicator in the last months of 2019. 

[23:00] Cyclical vs linear markets, post-pandemic

[28:00] Do recessions cause cautious businessmen or do cautious businessmen cause recessions? 

[30:00] An Elliot Wave is a hierarchical fractal, it has self-similar patterns at all degrees of the scale

[30:45] Why do you prefer the DOW over the S&P?


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Direct download: AIPIS_326_1447_Phillips_Curve_Elliot_Wave_Steve_Hochberg.mp3
Category:general -- posted at: 9:00pm EDT

There’s no place like home. Jason Hartman interviews Dottie Herman on her track to success, from realtor to CEO. Dottie shares her experiences in New York post 9/11, and how this affected the overall mood of New Yorkers and how they wanted to live. What kind of conclusions about shifting mindset from Covid-19 can we draw about the American home? Even banks are scared about giving housing loans with so many jobs in the air. With the current credit problems and mortgage issues, housing prices in the near future are a big question mark. 

Key Takeaways: 

[1:00] The escape plan around the world

[2:45] Check out shows on UN Agenda 21

[8:40] The current mortgage and credit problems might influence housing prices to drop

[12:20] “You don’t just turn a key and everything starts all over”

[12:45] Banks are double-checking if people have jobs, they are scared they are going to get burned

[16:10] In harder times, like post 9/11, people want to be with their families, and in homes that are comfortable and accommodating of their family.

[23:00] The millennial generation has different needs and wants in a home as compared to that of the baby boomers

[27:00] "If you really want to make money, and you really want to acquire wealth, you need to own real estate"

[30:30] When compared to stocks, real estate will always be here and easier to understand

[31:00] As Dorothy said, “there’s no place like home”

[32:00] Don’t be afraid to fail, and don’t be afraid of the word no


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Direct download: AIPIS__1449_Dottie_Herman_Douglas_Elliman.mp3
Category:general -- posted at: 12:00pm EDT

Beware of the 'invisible tax,' inflation. Jason Hartman discusses inflation, poverty, and work-from-home lifestyle and advantages. In these challenging times, what professionals are able to stay optimistic? How are the elites transferring wealth?

In part II of today’s show, Jason interviews Jessica Mah, founder of inDinero. Tune in for pro-tips on loan approval for PPP & EIDL. How can you optimize your time with loan delays, and get ahead of the game? And, don’t forget to prep for the end-game of these loans, will they be forgiven? Follow the rules and we shall see. 

Key Takeaways:

[3:15] There are two types of taxation that we are paying: 1) The tax that we see, income tax, sales tax, etc 2) The inflation tax, which destroys the purchasing power of our money

[7:30] People are being driven into poverty in this quarantine, making it very difficult for some to adjust to the work-from-home lifestyle

[13:30] “Tis the set of the sails, And not the gales, Which tell us the way to go.” -Ella Wheeler Wilcox

[16:00] How are the elites transferring wealth?

[19:30] Jessica Mah, founder of inDinero, helping entrepreneurs run better businesses

[20:50] PPP has run out? Only 6% of all applications have been approved by the SBA and funded. 

[21:15] The SBA is saying the best option is to use the bank you are already with, although Jessica has seen more success getting a loan through smaller regional banks

[23:15] Have you seen success in getting loans with brokers?

[25:30] Every bank is accepting PPP & EIDL applications even though they’re both on hold due to running out of money

[26:45] How can you be successful at getting your slice of the bailout pie?

[18:30] Pro-Tips: Show your work; have an excel spreadsheet that shows how you came to your figures

[30:30] How difficult is the one-page application? 

[31:00] The Magic Question, “What is all of the information you need from me in order for the bank to formally process my loan application and submit it to the SBA?”

[34:00] This loan could be forgiven if properly played out

[38:00] Encouraged to apply for PPP & EIDL, but PPP is the better of the two options for covering big payroll sheets



Jason Hartman PropertyCast (Libsyn)

Jason Hartman PropertyCast (iTunes)


Direct download: AIPIS_1439_Jessica_Mah_inDinero_SBA_LOANS_PPP_EIDL.mp3
Category:general -- posted at: 10:00pm EDT

Our guest today returns to the show to discuss the looming recession due to the coronavirus. China is coming back online with products, but who will be on the receiving end? Jason shares predictions on the rise of suburbia and the ever-diminishing desire to live in high-density cities. Who will receive the U.S. bail-out?

Key Takeaways:

[2:30] You can’t shut down the economy for even 90 days and expect to not have a major recession

[3:50] China is coming back online to some extent now

[7:48] Why would the U.S. bail out the cruise lines?

[13:00] The Federal Reserve is now a bond buyer and might soon become a stock buyer as well

[16:50] What’s to be made of all of the sudden CEO resignations?

[19:15] Expansions create millionaires but recessions create billionaires

[27:30] The rise of suburbia


Direct download: AIPIS_323_COVID_Brings_Money_To_U.S..mp3
Category:general -- posted at: 12:00pm EDT

Stay Calm, Keep Good Counsel, Keep Your Eye On The Ball, Take Action. Rinse, and repeat. Jason Hartman is joined in today’s episode with his co-host from the Solomon Success Show, Rabbi Evan Moffic. Evan brings up some challenging questions about a new potential tax break from the CARES Act. What does Trump bring to the table as our first RE President? Will there be a global currency or an ever-growing nationwide rental assistance program?

Key Takeaways:

[1:25] New tax break, CARES Act, using depreciation to offset capital gains? 

[5:20] Trump is the first RE President

[8:30] Herd immunity thoughts in the U.S.

[10:00] Public health is linked to the economy

[12:30] Stay calm, keep good counsel, keep your eye on the ball, take action

[23:00] Review from a listener, Andrew. Thank you!

[25:15] Will we go to a nationwide rental assistance program, like section-8?

[27:00] Will there be a push to a crypto-currency? 


TAX SALE Webinar Link

Jason Hartman PropertyCast (Libsyn)

Jason Hartman PropertyCast (iTunes)


Direct download: AIPIS_322_CARES_Act_170_Billion_RE_Investors.mp3
Category:general -- posted at: 12:00pm EDT

How have short-term rentals changed amid coronavirus? Jason interviews Evan on his recent short-term rental purchase and how bookings have changed. Once again, this proves the shift from high-density living environments to low-density dwellings. 

Stay tuned in to hear from a local market specialist with details on Jacksonville, Ocala, Palm Coast and Atlanta. What information can we learn about current mortgage rates and how they compared to rates post 9/11? 

Key Takeaways:

[4:00] Closing on a potentially life-changing short term rental, with Evan

[7:30] Airbnb property manager is using dynamic pricing

[9:45] Lower density areas are perks for short-term rentals, especially if they are in driving distance from high density locations

[14:45] Real estate, if you can stay when others fold you’re really in good shape

[18:00] Part II - with local market specialist

[26:22] Current mortgage rates are better now than we’ve ever seen

[27:40] Updates on Jacksonville, Ocala, Palm Coast, Atlanta


TAX SALE Webinar Link

Jason Hartman PropertyCast (Libsyn)

Jason Hartman PropertyCast (iTunes)


Direct download: AIPIS_CW_1423_Airbnb_vs_Coronavirus_Market_Profiles_At_Jack_Palm_Ocala.mp3
Category:general -- posted at: 12:00pm EDT

Jason Hartman talks Real Estate Wholesaling with Lex Levinrad. Lex takes us through his work-flow and how his business spans real estate wholesaling, flipping, and rentals. Jason finds out how Lex is continuing to find foreclosure inventory and talks about the anticipation of changes in the next three years. 

Key Takeaways:

[1:26] Explaining wholesaling

[5:00] How are you finding foreclosure inventory, and is it more-so of a struggle currently?

[7:30] With current trends, short-sales will become a booming business again in the next couple of years 

[9:30] What’s the step by step?

[12:55] Understanding the concepts of whole-saling, and the order of process

[19:30] No matter what you are doing, flipping, or wholesaling, remember to keep a couple of rentals as well


Direct download: AIPIS_Lex_Levinrad.mp3
Category:general -- posted at: 11:00am EDT

Almost speechless, Jason Hartman discusses financial strategy along with best/worst-case scenarios in dealing with the Coronavirus. The economy of planet Earth is possibly facing a global hibernation, how long will it last, and how will we recover? 

In today’s second segment, Jason speaks with guest Drew Baker, about self-management tips and applications to ease some of the hassles. Drew speaks about his experiences with the value of quality tenants. 

Key Takeaways:

[2:51] The economy of planet Earth is going into hibernation mode

[4:08] “Buy on fear, sell on greed.” -Warren Buffet

[6:28] How do you recover from a couple of months sliced out of an annual GDP?

[8:15] Exploring best/worst-case hypotheticals

[12:05] Supply/demand shock

[14:00] Inflation Induced Debt Destruction profits to come

[17:30] Drew Baker

[18:43] Buildium vs Property Tracker

[23:00] A better quality tenant can make for an easier self-management experience, a lower quality tenant makes the property manager a little more needed

[27:00] A great tenant goes a long way

[32:00] Coronavirus, a baby-boomer bomb


Jason Hartman PropertyCast (Libsyn)

Jason Hartman PropertyCast (iTunes)

Direct download: AIPIS_Drew_Baker_1412.mp3
Category:general -- posted at: 7:00pm EDT

Today, Jason Hartman unlocks one of the most powerful investment tools as an alternative to the 1031 exchange. The great thing about coupling an unsecured loan with a qualified intermediary installment sale is that you start with a new property and a new depreciation schedule. 

Before this investment skill is revealed, Jason shares an update on the promise of the ‘federal’ reserve plan to keep the economy in shape. Beware of the elevator, even the NYTimes is talking about the population density problem. 

Key Takeaways:

[2:10] The US ‘federal’ reserve is taking the role of buzz lightyear, to infinity and beyond. They will provide unlimited asset purchases, with no limit to what they will do to prop up the economy

[5:32] Winning is a relative game: Here’s how you do it!

[9:35] “Density is really an enemy in a situation like this (coronavirus)” NYTimes Dr. Steven Goodman, an Epidemiologist at Stanford University

[10:10] Trump is going to reopen the US

[11:00] Chinese are cleaning their money, digital currency

[12:00] Everybody needs more room if we are going to be at home all the time

[14:25] Guest, Tom

[16:45] If you do an installment sale, you pay taxes on an annual basis

[19:15] Why is a QI (qualified intermediary) needed?

[25:50] The great thing about coupling an unsecured loan with a qualified intermediary installment sale is that you start with a new property and depreciation schedule 

[28:50] Don’t forget the rule of 72

[33:10] This can be a rescue from a 1031 exchange that isn’t working out



Jason Hartman PropertyCast (Libsyn)

Jason Hartman PropertyCast (iTunes)



Direct download: AIPIS_1031_Exchange_Alternative_with_Tom.mp3
Category:general -- posted at: 12:00pm EDT

George Gammon interviews Jason Hartman about The Jason Harman Risk Evaluator. In Part I of this three part series, Jason describes his ‘aha moment’ after 19 years of experience in Real Estate. The story begins with a call from Jennifer, an insurance agent in Irvine, California that leads to the necessity and application for understanding the LTI (Land to Improvement ratio).

George Gammon shares an exhausting experience with lot subdivision and development. Eric, the appraiser comes out with good news prompting the question, “how would you allocate the new value between the two primary components, land and improvement?” Jason also shares a modern day story taking place in Seattle, proving once again the risk of investing in a cyclical market.

Key Takeaways:

[2:20] “No such thing as a passive investment”

[4:03] The Hartman Risk Evaluator, LTV and LTI ratios discussed

[7:28] The call from Jennifer, the insurance agent

[9:45] What factors increase improvement value

[19:38] The ingredients of a house, labor costs

[30:06] The ingredients of a house, regulations

[33:20] The ingredients of a house, cost of energy

[35:05] “How do I know the land value vs the improvement value?

[47:45] The risk when investing is in high land values

[48:26] Three types of markets: linear, cyclical and hybrid. What market is a preferred market for investing?

[53:00] Low land value equals low risk, high land value equals high risk

[58:10] Human biases: recency bias, sunk-cost bias, and certainty bias can all distract an investor


Direct download: AIPIS_Hartman_Risk_Evaluator.mp3
Category:general -- posted at: 12:00pm EDT

Do the Due! Do your due diligence. Jason Hartman speaks with investment counselor Adam Schroeder about key aspects of income property investing including; checking home prices and contacting the Tax Assessor. The two give insight on working with lenders and the importance of home inspection and re-inspection.

Key Takeaways:

[4:00] Where to find pricing: MLS, Zillow and Tax Assessor

[9:10] Pictures can be insanely misleading. Sometimes, it’s not even the same house.

[14:25] A quick call to the country tax assessor can give you a ballpark estimate on taxes for an investment property.

[19:35] Lender deals can change due to dynamics of reevaluations.

[24:00] The licensing laws vary from state to state, check the requirements for you state


Direct download: AIPIS_317_Adam2.mp3
Category:general -- posted at: 12:00pm EDT

Jason Hartman and Rabbi Evan Moffic take a look at America's one affordable trophy city: Chicago (which just so happens to be where Evan lives). The two explore the things going on in the area that are helping drive business and helping investors in the area make some good money.

Then Jason and Evan explore the Memphis market and what the two like about the future of the city.

Key Takeaways:

[8:14] YouTube offers the ability to learn anything

[12:01] Chicago is the only cheap, iconic city in America

[15:50] Democrat leaders in Chicago have still been pro-business

[18:48] 2 big things that are happening in Chicago right now that are good for investors

[21:55] Evan's thoughts on the Memphis market


Direct download: AIPIS_315_Evan.mp3
Category:general -- posted at: 12:00pm EDT

Jason Hartman talks with Jonathan Slain, a high growth leadership coach, founder of, and author of Rock the Recession, about how to prepare your business to ensure that you not only survive, but thrive through recessions. Having a war chest BEFORE it starts is absolutely crucial to your continued success, so make sure you have a plan and rock your way through any recession.

Key Takeaways:

[2:08] How do you grow during a recession?

[5:59] You can increase your business significantly by spending into a recession

[11:39] Make sure you have a recession plan BEFORE the next recession

[14:22] Why Jonathan thinks a pullback will happen in 2020

[17:55] Examine your business to find what you can do that will make your competition irrelevant

[21:40] The big opportunities lie on the fringes of creativity


Rock the Recession: How Successful Leaders Prepare for, Thrive During, and Create Wealth After Downturns

Direct download: AIPIS_314_Jonathan_Slain.mp3
Category:general -- posted at: 12:00pm EDT

Jason Hartman and Lisa take a look at the phenomenon that's sweeping homebuilders across the country: build to rent. It's something that's not been done before and that Jason takes as a very positive sign for renter growth moving forward. Jason and Lisa then discuss whether the differences between new builds and renovated properties before moving into some market profiles in Florida and Oklahoma City, where we are happy to be venturing back into.

Key Takeaways:

[2:10] What the build-to-rent phenomenon means the builders are thinking

[5:43] Even Toll Brothers is getting into the Build-to-Rent phenomenon

[11:42] Jason's thoughts on appreciation of new home builds vs renovated properties

[17:04] A clip on the growth going on in Florida. The new Texas?


Direct download: AIPIS_313_Lisa.mp3
Category:general -- posted at: 12:00pm EDT

Super-Monday, the youngest Creating Wealth listener and a letter about money from the late great Kobe Bryant. Today, investment counselor, Naresh returns with questions for Jason about a few investment properties in “The Vegas of the South,” and Citrus Springs Florida. Jason embellishes on the recurring real estate investment theme of “Refi ‘till you Die.” And finally, the importance of understanding ROA (Return On Amortization).

Key Takeaways:

[4:28] A Fourplex, new home construction deal!

[7:05] Tunica Resorts property, the Vegas of the South

[8:32] 32% return on invest IS a conservative number in a multidimensional asset class

[8:50] How To Analyze an Asset Class, Free Video -

[9:45] Advice on money, from a letter that Kobe Bryant wrote

[15:30] “Refi ‘till you Die” plan

[16:20] ROA return on amortization

[26:50] Citrus Springs Florida


The Mamba Mentality

Direct download: AIPIS_312_Common_Questions.mp3
Category:general -- posted at: 10:17pm EDT

Jason Hartman’s investment counselor, Adam Schroeder, talks with one the network’s lenders to discuss what mortgage rates are in today’s market. The two discuss current events and the impact that those events might have on available rates with the hypothetical purchase price of $100,000.


Direct download: AIPIS_311_Mortgage_Update.mp3
Category:general -- posted at: 12:00pm EDT

Jason Hartman talks with Sharon Lechter, former CEO of Rich Dad & Pay Yourself First and author of Success & Something Greater: Your Magic Key, about her experiences with both the Rich Dad company and the Napoleon Hill Foundation. Sharon provides unique insights into the impact both organizations have had on society today, as well as what she has discovered success means for various people.

Key Takeaways:

[3:33] Napoleon Hill one of the original self-help authors?

[7:48] The different types of success Sharon saw while writing her latest book

[10:09] Why the man who sold the patent for the jet ski for $75,000 doesn't regret it


Success and Something Greater: Your Magic Key

Direct download: AIPIS_310_Sharon_Lechter.mp3
Category:general -- posted at: 4:27pm EDT

Jason Hartman talks with Pat Hiban, author of Tribe of Millionaires: What is One Choice Could Change Everything? and co-founder of GoBundance, about the multiple effects that are in our lives and how we can situate ourselves in a way that we can live our best life.

Key Takeaways:

[3:34] Be careful in good times like these that you're not dealing with people who are just skimming the cream off the top and won't be here for you when things turn

[15:36] The "one sheet" idea Pat uses in his masterminds

[19:02] The Connection Effect


Direct download: AIPIS_309_Pat_Hiban.mp3
Category:general -- posted at: 6:04pm EDT

Jason Hartman and investment counselor Carrie discuss two properties that are available through the network right now that are definitely worth a look. Listen in to hear about how properties in Maryland and Mississippi might make good additions to your portfolio!


Direct download: AIPIS_308_Properties.mp3
Category:general -- posted at: 3:20pm EDT

Today's episode is Jason Hartman exploring Commandment #3: Thou Shalt Maintain Control a lot deeper. Maintaining control in real estate deals has been discussed quite a bit before, but it's not just real estate where control matters. Jason explores the collapse of Enron and why it was such a surprise and why Commandment #3 is crucial even in those scenarios.

Key Takeaways:

[4:03] Airbnb hasn't been through a recession yet, so there's a lot that isn't priced in to the market

[8:06] The 3 major problems when you give up control in an investment

[13:54] The Infographics Show: The Business Deception That Cost $60 Billion

[16:59] The phrase "financial innovation" is a red flag when you hear it

[23:05] Most companies don't have people inside to pump the brakes, because everyone is incentivized to speak highly and show it in the best possible light

[25:26] Derivatives are the thing about the thing, but as an investor you want to be as close to the "thing" as possible


Jason Hartman Quick Start Podcast

The Infographics Show: The Business Deception That Cost $60 Billion

Direct download: AIPIS_306_Enron.mp3
Category:general -- posted at: 12:00pm EDT

Jason Hartman talks with client Sean Carroll about the journey he's had with real estate. From starting out as an agent in New York before the Great Recession to losing every penny he had, Sean now has a portfolio of properties that is allowing him to be in the career he wants to be in. Jason and Sean explore Sean's best and worst decisions in order to help you stay on a safe, profitable path.

Key Takeaways:

[2:42] How Sean lost BIG during the Great Recession

[7:31] The deal that truly put Sean under

[12:27] The system is set up to create asset inflation

[15:02] The owner of a home Sean sold in 2006 is still $70,000 underwater

[20:04] Stop calling things problems and start calling them challenges

[24:13] Apps, tools, tips Sean has for investors


Direct download: AIPIS_305_Sean_Carroll.mp3
Category:general -- posted at: 12:00pm EDT

Jason Hartman talks with Rich Dad Advisor Garrett Sutton about the issues of rent control, capital flow, and why the Florida court decision on the Olmstead case has had an impact on single member LLCs across the nation. They also discuss the importance of protecting yourself even when you hire a professional to do a job for you.

Key Takeaways:

[2:21] The state of California is out to commit economic suicide

[6:03] There are some exemptions from the state wide rent control for California

[10:31] States have the right to make the laws they want, but people have the right to put their assets where they want, and developers are going to put their assets elsewhere

[16:17] State wide rent controls will make the capital flow from the states where they're implemented, impacting other markets

[19:31] The importance of Florida's Olmstead decision on single member LLCs and charging orders

[26:55] When you hire a professional, you're still responsible for any mistakes they make


Direct download: AIPIS_304_Garrett_Sutton.mp3
Category:general -- posted at: 3:51pm EDT

Jason Hartman's investment counselor Adam takes today's show to talk with one of the network's lenders to discuss what mortgage rates are in today's market. Basing the rates on a $100,000 purchase price the two explore what rates are available and what things are happening that are impacting rates now and in the future.


Direct download: AIPIS_303_Mortgage_Update.mp3
Category:general -- posted at: 2:20pm EDT

Jason Hartman and one of the network's Florida market specialists discuss the Jacksonville market and what kind of housing is currently available. The two break down a pro forma for one of the available new construction properties and examine why Florida has become such a hot spot for people fleeing both the East and West coast states.

Key Takeaways:

[3:46] Florida is now drawing people from the East and West coast

[5:46] Jacksonville market profile

[9:45] Examining a pro forma of one of the new construction properties available in Florida

[12:18] There are a couple properties available that you could take advantage of in a 1031 exchange

[15:11] People are moving to Jacksonville to be near St Augustine, which is the 2nd busiest place for tourists in Florida behind Disneyworld


Direct download: AIPIS_302_Florida.mp3
Category:general -- posted at: 12:00pm EDT

Jason Hartman talks with Spencer Burleigh, co-founder of Spencer's company will build a unit on your land, list it online, and split the rental profits with you 50/50 as long as you have an area at least 25' by 20' clear and you live in your home most of the year. Listen in as Jason and Spencer discuss the business model and how you can take advantage of it.

Key Takeaways:

[1:37] What problem is Rent the Backyard addressing?

[6:31] Rent the Backyard is able to create a second dwelling on the property without getting the land rezoned

[11:07] The stigma behind manufactured housing needs to go away, but it also needs to get cheaper

[14:39] The income side of Rent the Backyard's business model


Direct download: AIPIS_301_Spencer_Burleigh.mp3
Category:general -- posted at: 12:00pm EDT

Today's off-topic 10th episode has Jason Hartman talking with Sally Kohn, CNN political commentator, host of The State of the Resistance podcast and author of The Opposite of Hate: A Field Guide to Repairing Our Humanity, about why there's so much hate in our country at the moment and how we need to continue acknowledging problems and working to get better.

Key Takeaways:

[4:16] Technology makes us feel more anonymous, which isn't always the best thing

[6:54] Does the US deserve credit for being better than the rest of the world?

[11:45] What definition of "hate" Sally's working from

[15:56] Most people don't think they're hateful, they believe "those people" are hateful so the things they do are justified

[19:40] We have been taught throughout history that men should be in positions of power, which is a powerful thing to have to break through


Direct download: AIPIS_300_Sally_Kohn.mp3
Category:general -- posted at: 11:16am EDT

Jason Hartman talks with Chris Porter, Senior Vice President & Chief Demographer at John Burns Real Estate Consulting, about what trends their company has been seeing. There have been some profound shifts in the way that Americans want their communities, what they're looking for in a house, and whether they even WANT to own a house.

Key Takeaways:

[2:30] The labor shortage in construction right now is a great opportunity for new technology to come into the market

[7:50] Some developer trends going on right now

[11:49] The current housing trends of Millennials and Baby Boomers

[15:16] Are the insititutional investors here to stay?

[19:50] Chris' prediction on home ownership rates has been somewhat right. Why he thinks it wasn't completely acurate

[24:43] Why the way generations are widely defined make no sense


Direct download: AIPIS_299_Chris_Porter.mp3
Category:general -- posted at: 11:04am EDT

Jason Hartman talks with Matt Curtis, founder and CEO of Smart City Policy Group, about the state of short-term rentals in today's society. Matt explains why he thinks that no matter what people in power do, they won't be able to stop the movement that is short-term rentals. Matt also discusses what he expects for the market when the economy inevitably sinks into a downturn and people stop taking so many vacations, and why a societal shift is key to that.

Key Takeaways:

[4:06] Technology is leading us closer to a Jetsons like world

[6:43] Short-term rentals seem like they're going to win out over areas that are currently resisting

[9:57] It's not hard to see why some areas of the country are resistant to the idea of short-term rentals

[13:42] Are short-term rentals squeezing renters out of the higher end homes?

[18:04] Commercial mix-use multifamily seems to be an area that there's no qualms using for short-term rentals

[20:14] What happens to short-term rentals when the next recession hits?


Direct download: AIPIS_298_Matt_Curtis.mp3
Category:general -- posted at: 10:54pm EDT

Jason Hartman talks with Jeb Carty, co-founder of Zumbly, joins the show today to discuss their new product and how investors can use them to maximize their returns.

Key Takeaways:

[1:38] How Zumbly differentiates itself from generic MLS websites

[5:51] All the assumptions in Zumbly's calcuations are adjustable

[9:01] Zumbly is hoping to provide the newest of investors the best information possible to make smart deals

[9:58] Millennials are looking for a new way to buy

[14:26] Zumbly's rolling out in 10 more markets


Direct download: AIPIS_297_Jeb_Carty.mp3
Category:general -- posted at: 12:00pm EDT

Jason Hartman talks with Marc Biron, founder and CEO of Home Diversification Corp, about his product that is intended to help homeowners diversify their market risk in their own home purchase. The product is intended to help protect homeowners from downturns in the housing market in their local zip code by indexing it to the national housing market. Listen in as Marc explains why it would make sense for homeowners and how it works.

Key Takeaways:

[1:48] How Marc's mortgage product can help diversify market risk

[6:07] Marc claims his product is 42% more stable than the average housing market

[10:22] A sample case of how the product works

[13:51] Home Diversification uses the Zillow statistics for national home price indexing


Direct download: AIPIS_296_Marc_Biron.mp3
Category:general -- posted at: 12:00pm EDT

Jason Hartman joins Investment Counselor Sara and one of the Florida market specialists to discuss the upcoming Profits in Paradise event and the Florida property tour the Friday before the event. Prior to the Great Recession, the network dealt exclusively with new construction. Now it's a rarity, but Florida (and Atlanta) is able to provide that right now. New construction allows for win-win-win situations between investors, developers, and tenants.


Direct download: AIPIS_Bonus_Profits_In_Paradise.mp3
Category:general -- posted at: 11:09pm EDT

Jason Hartman and his mom take today's episode to review the book The American Jubilee: A National Nightmare is Closer Than You Think, as well as discussing the impact of loan forgiveness and some self-management strategies that can save you money and headaches when it comes to repairs and tenant retention.

Key Takeaways:

[1:47] Jason's mom's takeaway from the book The American Jubilee

[4:33] The middle class is getting crushed today more than they ever have in American history

[7:47] You can use debt as a strategy

[11:38] Impact of the bank holiday

[14:07] Student loans are being packaged and sold to financial firms just like liar loans were

[18:59] The federal government can nationalize your stock and bond portfolio a lot easier than your property

[23:08] Turnover can be expensive, but keeping tenants for too long could mean your rents are too low

[27:36] The longer your tenant is there the more they treat it like their own home

[31:44] A recommendation to reduce your insurance prices


Direct download: AIPIS_295_Debt_Jubilee.mp3
Category:general -- posted at: 1:27pm EDT

Jason Hartman talks with Bill Ness, CEO and founder of and, about how to evaluate neighborhoods and the incredible opportunity that the 55+ age market is presenting for investors.

Key Takeaways:

[1:52] As Bill started, how did he define a neighborhood?

[5:02] How do people sort neighborhoods

[9:26] Last year only 38% of home buyers were over the age of 55


Direct download: AIPIS_294_Bill_Ness.mp3
Category:general -- posted at: 8:05am EDT

Jason Hartman talks with Michael Finch, Principal at SVN and SFRhub Advisors, about the latest trend in real estate development: the build to rent model. The two discuss why this model is so popular, why developers love it and why it's not likely to be going away any time soon.

Key Takeaways:

[1:26] Why is the build-to-rent model so attractive?

[6:15] Build to Rent properties tend to haev drastically lower tenant turnover

[10:48] Financing build to rent properties

[14:09] Do communities have to be all or nothing in terms of build for rent sales?


Direct download: AIPIS_293_Michael_Finch.mp3
Category:general -- posted at: 8:31am EDT

Jason Hartman talks with Romana King, award winning real estate writer and director of content for Zolo, about what's going on in the Canadian real estate market (specifically Vancouver), as well as some of the best tips for real estate investors. Romana is another buy and hold real estate investor, and she and Jason explore what the best practices are in that marketplace.

Key Takeaways:

[4:50] When you purchase a property, the value isn't in the property it's in the land

[7:56] Canadian financing options

[12:13] Romana's take on Opportunity Zones

[15:09] What is Zolo?

[17:42] Romana's tips for purchasing investment properties

[21:26] Some signs that the area might be a good one to invest in


Direct download: AIPIS_291_Romana_King.mp3
Category:general -- posted at: 3:31pm EDT

In this off topic episode, Jason Hartman talks with Cynthia Kane, author of How to Communicate Like a Buddhist, as well as Talk To Yourself Like a Buddhist, about how we should be communicating with ourself and with others. Too often we say things hurtful to ourselves and our loved ones which we don't even realize until it's too late. Cynthia explains the elements of right speech that will point us in the right direction, as well as the importance of silence.

Key Takeaways:

[2:30] How does communicating like a Buddhist help you?

[6:20] The importance of "Mindful Listening"

[8:49] How we can use silence in a positive way

[16:24] How do you talk to YOURSELF as a Buddhist?

[20:28] You need to pump yourself up with self talk a little bit

[22:18] The importance of questioning


Direct download: AIPIS_290_Cynthia_Kane.mp3
Category:general -- posted at: 12:00pm EDT

Jason Hartman talks with DeAnn O'Donovan, former President & CEO of AHP Servicing and former Executive VP and Chief Administrative Officer of Wintrust Mortgage, about the practice of investing in non-performing notes and loans. DenAnn explains what she looks for when considering investing in loans, what positions she's comfortable taking, and where you can still find deals in today's marketplace.

Key Takeaways:

[5:18] Does it matter whether you're in first or second lien position?

[9:11] Where do you find the deals in today's market?

[19:33] Are there multiple categories of servicers available?


DeAnn O'Donovan on LinkedIn

Direct download: AIPIS_289_DeAnnODonovan.mp3
Category:general -- posted at: 12:00pm EDT

Jason Hartman talks with Jeff Astor, VP of Business Development at Broad Financial and author of The Ultimate Self-Directed IRA:: Using Self-Directed IRAs & Solo 401ks To Invest In Real Estate, Bitcoin, Ethereum, Cryptocurrencies, Gold, Private Businesses, Startups, Exotics & Much More, about how to invest in various assets at the "arms length" that the tax code requires. Jeff explores some unique investments clients have made that satisfy the legal requirements, as well as explaining the difference in the 2 types of self-directed IRAs.

Key Takeaways:

[2:09] What are "exotic" investments and how you keep your investments "at arms length"

[5:12] There are 2 types of self-directed IRAs, the custodial model and the checkbook model

[9:18] Finding financing for IRAs since you need a non-recourse loan

[12:36] Do people set up multiple LLCs inside their IRA to get even more asset protection?

[17:11] Make sure you do your research on self-directed IRA companies, because custodial companies rely on trust

[20:17] Can you take possession of precious metals if you purchase them through a self-directed IRA?


Direct download: AIPIS_288_Jeff_Astor.mp3
Category:general -- posted at: 9:35pm EDT

Jason Hartman talks with Gary Boomershine, real estate coach, real estate investor and founder of REIvault, about the differences between real estate investors and a real estate entrepreneur, as well as ways that you can protect yourself from inflation. Gary and Jason discuss the great part of buy and hold investing and what Gary sees as the future for the economy and real estate.

Key Takeaways:

[2:28] What is a real estate investor?

[6:28] Gary used to flip houses but now regrets every house he ever sold

[11:44] Gary's experience as a hard money lender

[17:53] Gary's take on the VRBO market

[24:34] First position lending can be a hedge

[30:31] Right now Gary's a bit pessimistic about the market and is taking some chips off the table, while some of his cohorts are going full in

[32:58] The 3 areas Gary believes need to be very careful in today's market


Direct download: AIPIS_287_Gary_Boomershine.mp3
Category:general -- posted at: 2:04pm EDT

Jason Hartman does another client case study with Lisa, and today is all about metrics. Lisa has seen the Pro Formas available on Jason's website but wants to know which lines are the most important to be looking at when evaluating a property. Then Jason and Lisa move on to self-management and some ways to find a handy man that are outside the norm. Plus, don't forget to celebrate Financial Freedom month throughout July!

Key Takeaways:

[2:56] The 3-5 things Jason looks at first in the Pro Forma

[8:47] The very first thing you need to do when looking at any Pro Forma is checking the assumptions

[12:09] Don't forget to watch and re-watch the 27 minute video that goes over the Pro Forma line by line

[13:07] How Lisa used Lowe's to find a handy man

[17:02] Why Jason's so excited about his new Empowered Investing Network

[18:50] What to do for Financial Freedom month (coming this July)


Quick Start Podcast

Direct download: AIPIS_286_Lisa.mp3
Category:general -- posted at: 3:38pm EDT

Jason Hartman talks with Andrew Rybczynski, Senior Consultant at CoStar Portfolio Strategy, about what is happening on the construction side of both single family and multifamily properties. The tight labor market is causing unit completion to slow significantly, but there are a massive number of units being started. The two look at the impact of more millennials living at home on the shadow demand for apartments and whether renter demographics are still looking good.

Key Takeaways:

[1:28] We're seeing a lot of construction all around the country, what's the supply/demand outlook?

[5:09] How much are construction costs going up?

[9:08] We're not building single family homes as much as we used to

[11:51] About 32% of adults 18-34 are living with their parents

[15:3] Looking at the spread between an apartment cap rate and a triple B bond

[18:58] How Andrew views renter demographics over the next 10 years


Direct download: AIPIS_285_Andrew_Rybczynski.mp3
Category:general -- posted at: 8:24am EDT

Jason Hartman and Adam today break down a video about how Fannie Mae and Freddie Mac influence the housing market in the United States. While their publicly stated goal is to make housing in the country more affordable, are they really doing that? Listen in to find out.

Key Takeaways:

[1:19] Fannie Mae Going Away?

[3:39] The idea that we need a high home ownership rate is a false idea

[8:11] How Fannie Mae props up the housing market

[12:53] Fannie & Freddie have a stated goal of making housing more affordable, but they don't do that at all

[22:24] If you're investing for yield rather than capital gains, the price of the house has much less importance

[25:30] The importance of sustainable investing


How Fannie & Freddie Prop Up America's Favorite Mortgage by Wall Street Journal

Direct download: AIPIS_284_Adam.mp3
Category:general -- posted at: 3:00pm EDT

Jason Hartman talks with in-house economist Thomas about how interest rates in the past 10 years have compared to one another. The two explain why interest rates can be so difficult to predict and how these past 10 years are compared to the past.

Key Takeaways:

[3:12] Interest rates aren't completely unpredictable, but they're driven by things where you can't know exactly what's going on

[6:29] Interest rates back in 2010

[16:07] #5 on Thomas' list is 2017, when interest rates dipped under 4%

[20:43] 2015 makes up the #3 spot on the list with interest rates averaging 3.85%

[24:37] The #1 year for interest rates in the past decade

[28:51] Remember that real estate deals can be renegotiated


Direct download: AIPIS_283_Thomas.mp3
Category:general -- posted at: 3:24pm EDT

Jason Hartman and Adam examine the Investopedia article referring to the 9 common effects of inflation. The 2 types of inflation (cost-push and demand-pull) are also broken down in regards to how they impact your property value and rent.

Then the two examine what impact the Trade War with China could have on the markets properties are available in. If production from overseas come back to the United States, where are we likely to see the impact?

Key Takeaways:

[3:40] The 9 common effects of inflation

[8:36] The land value is the one that's susceptible to big swings in value

[12:10] Cost-push versus demand-pull inflation

[15:19] How the Trade War could create cost-push inflation in the linear markets we're investing in

[18:34] If China ever manages to create a middle class they're going to have to deal with a new set of issues, which might make them an inopportune producer

[23:21] When labor shortages hit construction it can make it incredibly expensive to build a house and retain the workers needed

[28:00] Once the Trade War has ended, look at what job sectors are going to be impacted most and adjust your investing strategy accordingly


9 Common Effects of Inflation on Investopedia

Direct download: AIPIS_282_Inflation_Trade_Wars.mp3
Category:general -- posted at: 3:01pm EDT

Jason Hartman talks with Rob Stephens, co-founder of Avalara MyLodgeTax, about whether the short-term rental market is oversupplied and what the impact of institutional investors is doing to the marketplace as a whole. They also discuss some of the tax implications of running short-term rentals.

Key Takeaways:

[1:39] Is the short-term rental market oversupplied?

[5:07] How will short-term rentals hold up in the next economic downturn?

[9:26] What has the increased usage of short-term rentals done to the timeshare market?

[10:51] The way institutional investors are getting involved in short-term rentals

[15:42] Tax compliance

[18:57] How much do room/tourism/hotel taxes differ across the country?


Direct download: AIPIS_281_Rob_Stephens.mp3
Category:general -- posted at: 3:43pm EDT

Jason Hartman talks with Robert Greene, author of the new book The Laws of Human Nature as well as New York Times bestsellers like The 48 Laws of Power and The 33 Strategies of War, about how to approach people to put yourself in the best position for success as well as how to best change your life and circumstances. Robert goes over a few of his 18 laws to help you on your way.

Key Takeaways:

[4:06] Misjudging people is extremely expensive, and it's getting even harder to do with everything becoming virtual

[6:25] Thinking about what other people need or are going through is one of the most important life skills you can develop

[9:40] When you ask someone for anything, they are naturally going to be resistant

[12:45] We are emotional creatures, largely governed by our emotions

[24:18] You can change your own life and circumstances by working on your attitude

[27:54] The biggest impediment in people's lives is the inability to affect or influence the people around them


Direct download: AIPIS_280_Robert_Greene.mp3
Category:general -- posted at: 10:45pm EDT

Jason Hartman talks with Frank Barletta, Co-Founder and CEO of UpTop, about how his software can help self-managing property owners. Frank explains how UpTop helps landlords deal with leases and maintenance requests, as well as how to use the platform.

Key Takeaways:

[4:14] What does a landlord do with UpTop?

[7:12] Where UpTop makes its money

[12:18] How UpTop handles leases

[13:05] Dealing with maintenance issues through UpTop


Jason Hartman's Real Estate Investor Update Alexa Skill

Direct download: AIPIS_279_Frank_Barletta.mp3
Category:general -- posted at: 8:45pm EDT

Jason Hartman has a client case study with David Nelson, who, along with his wife, has amassed a real estate portfolio that has allowed her to retire early to focus on their holdings. David discusses how his cockiness led him into a bad deal, why continual education is important and where his journey is heading.

Key Takeaways:

[17:19] David started getting cocky investing in 2016 and didn't pay enough attention to his inspection

[20:24] Jason's group doesn't do any one off deals

[24:28] How self-management has gone for David so far

[29:18] When you combine education with action you can accomplish nearly anything

[33:01] Why being 80% in on one asset class isn't necessarily a mistake


Direct download: AIPIS_278_David_Nelson.mp3
Category:general -- posted at: 12:00pm EDT

Jason Hartman talks with Josh and Mike from Elite Group Inspection Professionals about what to expect when getting a home inspection. A good home inspection can save you thousands, and a bad home inspection can cost you thousands. It can be tough to figure out who you can trust when you're getting one done, but Josh and Mike give you some resources to finding a competent inspector and what the major things you should be looking for on your inspection reports.

Key Takeaways:

[3:28] Make sure you check your home inspector for licenses, certifications and insurance

[6:15] Some of the biggest concerns from buyers

[10:54] The pros and cons of various roof types

[15:48] Expect a lot detail about repairs needed in your inspection, but not about how much they will cost to fix

[19:22] What to look for on the interior of the house

[22:29] When you need to get a re-inspection done

[25:18] Some of the common plumbing problems


Direct download: AIPIS_277_Home_Inspections.mp3
Category:general -- posted at: 4:09pm EDT

Jason Hartman talks with client Drew Baker about the new developments in Drew's journey in self-management. Drew gives Jason a rundown on how he deals with lease renewals, some of the repairs he's doing to his properties in order to retain his tenants, and what software he's using to keep track of it all. Jason also gives Drew a little bit of advice on how he may be able to accelerate his depreciation in a cost effective manner.

Key Takeaways:

[3:23] The one type of pollution that China doesn't have, that America has PLENTY of, is noise pollution

[8:43] An update on Drew's self-management process

[11:45] Cost segregation studies have become reasonably priced for single-family homes and could well be worth the cost

[16:37] Drew tries to get his leases to come up for renewal in the warmer months, as well as signing a 2 year lease

[20:07] Drew's approach to lease renewals


Direct download: AIPIS_276_Drew_Baker.mp3
Category:general -- posted at: 5:27pm EDT

Jason Hartman talks with client Greg Scott about his journey from accidental landlord to an owner of multifamily properties. Greg and Jason examine why people don't know whether they're winning or losing, how Greg was able to continue investing through the Great Recession, and what sort of demographics are making being a landlord look better and better.

Key Takeaways:

[2:26] Greg's journey to becoming an accidental landlord

[6:03] People often don't know whether they're winning or losing

[11:09] When you hear about the returns people get from real estate and want to do the same, you have to actually act on it

[12:43] Greg's plan for his new multifamily facility

[15:29] How worried was Greg when he was investing in property during the Great Recession?

[19:35] Does Greg see the same thing about high rental demand as Jason does?


Direct download: AIPIS_275_Greg_Scott.mp3
Category:general -- posted at: 10:06am EDT

Jason Hartman talks today with Frank Gallinelli, founder and President of Real Data and author of the book What Every Real Estate Investor Needs to Know About Cash Flow & 36 Other Key Financial Measures, about what metrics Frank finds the most important for single family home investors to pay attention to. They also discuss the "holy grail" metric that investors should be using and when you actually SHOULDN'T invest in real estate.

Key Takeaways:

[1:53] What are the core metrics that real estate investors should be looking at?

[6:39] You should try and forecast best case, worst case, and in-between case for your properties

[8:02] What is discounted cash flow?

[10:36] The holy grail metric is still IRR (Internal Rate of Return)

[12:26] A different way to view Return on Equity

[15:59] Is there a time where it doesn't make sense to acquire properties?

[21:44] Education is absolutely vital to being a good investor


Direct download: AIPIS_274_Frank_Gallinelli.mp3
Category:general -- posted at: 11:46pm EDT

Jason Hartman talks with Julia, who will be speaking at the event in Savannah, GA about tax liens and deeds. She gives a brief intro to what they are and what she'll be discussing at the event.

Key Takeaways:

[2:21] An intro to tax liens and tax deeds

[3:19] How Julia was able to buy a house in Savannah for simply paying back taxes

[5:48] Julia will be teaching how to avoid problem properties and how she evaluates deals


Direct download: AIPIS_273_Savannah.mp3
Category:general -- posted at: 12:00pm EDT

Jason Hartman talks with Cliff Hayden, creator of Show Me the Rental, about how he started his business, what his software does, and property management tips for real estate investors.

Key Takeaways:

[1:36] What frustrated Cliff enough to create Show Me the Rental

[3:30] How Show Me the Rental works

[7:30] Some sample questions Cliff's software might use

[11:45] What platforms Show Me the Rental connects with

[13:12] Cliff's property management tips


Direct download: AIPIS_272_Cliff_Hayden.mp3
Category:general -- posted at: 9:27am EDT

Jason Hartman talks with Ryan Minekime, co-founder of REIanalyst, about how his tool allows investors to whittle down their list of potential properties quickly.

Key Takeaways:

[1:30] REIanalyst was born out of a need Ryan had to see more properties in less time

[4:38] How Ryan's data is figured out when making assumptions on properties

[7:21] Where REIanalyst gets their data

[11:16] Information for investors is severely lacking


Direct download: AIPIS_271_Ryan_Minekime.mp3
Category:general -- posted at: 5:19pm EDT

In this off-topic 10th episode, Jason Hartman talks with Tal Ben-Shahar, co-founder of The Happiness Studies Academy and best-selling author of Happier and the new book, Short Cuts to Happiness: Life-Changing Lessons from My Barber, about how you measure happiness, predictors of happiness and what sorts of things Tal was able to learn from his barber. They also discuss whether Millennials and Generation Z to see if they've been coddled too much or if we've just learned how to better communicate with them.

Key Takeaways:

[4:30] How do you rate a country's happiness?

[6:57] There's only one thing that predicts happiness levels on a national level

[11:16] The hazards of social media on happiness

[13:18] Lessons learned from Tal's barber

[18:48] How to praise people properly to encourage growth

[21:37] If you don't teach people to face reality then you're setting them up for failure

[25:01] The first step toward happiness is, surprisingly, allowing in unhappiness


Direct download: AIPIS_270_Tal_Ben_Shahar.mp3
Category:general -- posted at: 6:28pm EDT

Jason Hartman talks with client Ira Boyd about his journey in real estate investing. Ira started off purchasing properties on his own, with some success but not as much as he'd hoped. After he found Jason's network, however, he's gotten in much better properties and is up to 12 investment properties and his personal residence. Ira discusses how live events aided his journey, where he sees his future in real estate investing, and what areas he thinks he needs to work on.

Key Takeaways:

[2:16] It's almost better not to see the property, because then you're buying based on intellect and not emotion

[5:34] Meet the Masters gave Ira the traction he needed to start investing through Jason's network

[8:44] Ira can't stress enough how much you need to go to an event and how helpful it will be

[13:12] Ira's plan for his portfolio

[17:08] Ira's policy on rent increases needs work


Book Your Time to Do a Client Case Study!

Direct download: AIPIS_269_Ira_Boyd.mp3
Category:general -- posted at: 12:00pm EDT

Jason Hartman welcomes Lisa Tomita, a client with 4 properties who has recently decided to self-manage two of her properties. Jason and Lisa discuss the ups and downs of investing and how self-managing has turned Lisa into a more empowered investor ready to deal with all the bumps along the way as she moves closer to her financial independence.

Key Takeaways:

[4:04] Lisa's tenant saved her $200 because of the relationship they've developed

[8:53] Lisa recently quit her job so she could focus full time on real estate

[12:58] Self-managing has made Lisa feel more empowered and learned

[17:23] One of Lisa's deals that hasn't gone well broke 4 of Jason's 10 commandments

[23:58] Income property is so durable it's like the self-healing asset


Direct download: AIPIS_268_Lisa_Tomita.mp3
Category:general -- posted at: 9:39am EDT

Jason Hartman talks with Dan Amerman, CFA and author of books such as Mortgage Securities and Collateralized Mortgage Obligations: Unlock The Secrets Of Mortgage Derivatives, about how a heavy handed Fed has changed how inflation and housing have correlate to each other, why the Fed reacts to quickly, what the Fed is setting interest rates up to do, and much more.

Key Takeaways:

[3:46] The Federal Reserve is getting more heavy handed as years go by, and hints of a coming recession could lead to more intervention

[8:40] Housing tracked inflation better than gold until the Federal Reserve got real heavy handed after 2001

[13:29] The Fed reacts too quickly to things

[15:08] Dan's prediction of where interest rates are about to head

[20:52] Certain Fed actions and yield curve inversions seem to have a correlation

[24:26] The 2 ways to look at inflation

[27:48] The self-liquidating debt


Direct download: AIPIS_267_Dan_Amerman.mp3
Category:general -- posted at: 12:00pm EDT