Takeaways:

• Interest rates are currently around 6.75%, which is considered normal.
• Waiting for lower interest rates can lead to significant opportunity costs.
• Midterm rentals offer higher cash flow compared to traditional rentals.
• DSCR loans allow investors to qualify based on property income, not personal credit.
• Investors should act quickly to secure midterm rental opportunities.
• The market is influenced by human emotions and perceptions.
• Interest rates are indirectly tied to inflation and the 10-year treasury yield.
• Investing in real estate is still a viable option despite current rates.
• Furnishing midterm rentals can provide additional tax benefits.
• The real estate market is competitive, and savvy investors are actively buying.

Sound Bites

"We're buying like crazy right now."

"Move quick, decide quickly."

"This is a killer opportunity."

Chapters

00:00 Introduction and Overview of the Show

02:57 Current Interest Rate Environment

05:51 The Impact of Interest Rates on Real Estate Investment

08:59 Exploring Midterm Rentals

17:46 Understanding DSCR Loans

33:41 Conclusion and Key Takeaways

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In this episode, Kevin Clayson and Steve Earl officially relaunch the podcast formerly known as Replace Your Income—now proudly renamed The Moneyball Real Estate Show.

You'll hear why the name change matters, what’s new at DFY Real Estate, and how you can still hit real estate singles in today’s shifting market.

The story behind the new podcast name and branding

Why “Moneyball” perfectly describes DFY’s conservative, data-driven approach to real estate

A fresh red, white, and blue look that captures the spirit of the American Dream

Mid-Term Rentals now open to all clients (and what that means for you)

Why only 3–4% of Americans become millionaires—and how real estate can change that

The "tree" analogy for long-term wealth building (and why it's so powerful)

What a solid “real estate single” looks like in 2025: price points, cash flow, and market trends

How sellers are offering concessions, and why now may be the best time to buy

You don’t need to swing for the fences. Just step up to the plate and start stacking singles. With time, patience, and a proven system, those micro-wins can lead to serious long-term wealth.

• The Moneyball Real Estate Show focuses on sustainable wealth building.
• Real estate strategies must evolve with market changes.
• Patience is key in wealth creation through real estate.
• Micro wins in real estate can lead to significant wealth over time.
• Midterm rentals are a new opportunity for investors.
• Current market conditions present unique buying opportunities.
• Wealth is built over time, not through immediate gains.
• Investing in real estate requires a long-term perspective.
• The importance of understanding cash flow in real estate investments.
• Engagement with clients is crucial for personalized strategies.

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👉 dfy-realestate.com

Email Kevin directly: kevin@dfy-realestate.com

Learn more about DFY’s done-for-you investing approach at dfy-realestate.com

WHERE HAVE WE BEEN?

It has been almost a quarter of a year and in this episode you will learn about DFY 2.0 moving into 2025.

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Learn more about DFY’s done-for-you investing approach at dfy-realestate.com

In this podcast episode, Kevin and Steve discuss how understanding and leveraging the "rules of money" can significantly benefit real estate investors. They emphasize the importance of knowing the nuances of real estate markets, particularly in regions like Florida. Using analogies from sports, Kevin explains that just like in a game, knowing the rules allows for strategic advantages. They highlight how selecting the right markets and properties can protect against risks, like hurricanes, and generate wealth. Steve shares insights on choosing inland, elevated areas in Florida to avoid flooding and reduce storm damage risks, showcasing their conservative, informed approach to property investment.

They conclude that real estate offers one of the best ways to maximize wealth creation by leveraging these rules, especially in carefully chosen markets.

Chapters

0:00 Arizona

3:19 Profitable Real Estate

7:19 The Rich Invent Money

12:51 Mastering Rules

18:28 Storm-Proof Investing

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Learn more about DFY’s done-for-you investing approach at dfy-realestate.com

Today on Replace Your Income, Kevin and Steve reveal the five property vetting layers Done For You Real Estate performs on every property we show clients. Buckle up and let us know in the reviews if you want to hear more.

1. **Market Selection (Pre-Vetting):**

- Before anything else, the market itself is selected based on extensive quantitative and qualitative research. This pre-header step involves data-driven analysis to determine which markets are primed for investment success.

2. **Agent Due Diligence:**

- The local agents are responsible for the initial screening of properties based on strict criteria. They evaluate properties on the MLS, gathering information from photos, seller conversations, and initial assessments before submitting properties to the internal team for review.

3. **Internal Team Property Analysis:**

- Once submitted, the property undergoes a comprehensive property analysis by the team. This step includes a thorough breakdown of numbers, rental potential, and estimated rehab costs. The team greenlights or rejects the property based on this deeper analysis.

4. **Third-Party Inspections and Appraisals:**

- A third-party inspector conducts a detailed inspection to identify any major issues. Simultaneously, an appraisal is done to ensure the property's market value aligns with the agreed-upon purchase price. Both are crucial tools for negotiation and validation of the investment.

5. **Property Management Company Review:**

- During the due diligence period, the property management company performs a walk-through, combining their own visual inspection with the formal inspection report. They provide a detailed assessment of what it will take to get the property rent-ready, further validating the analysis and ensuring no major issues were overlooked.

By having these five vetting layers, you mitigate risk and improve predictability in your investment process, creating a reliable system for long-term success. The additional step of having the property management company's inspection is invaluable, as it merges practical insights from both the property condition and its readiness for rental income generation.

Chapters:

0:00 - Purple

6:53 - Layer #1

9:35 - Layer #2

16:23 - Layer #3

17:06 - Layer #4

22:18 - Layer #5

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Learn more about DFY’s done-for-you investing approach at dfy-realestate.com

In the podcast, Kevin and Steve will distinguish Done For You Real Estate (DFY) from other turnkey companies through three key points:

1. **Transparency in Fees and Track Record**: DFY is upfront about how they make money and their fees. Kevin mentions that many turnkey companies are not transparent, often hiding the true costs of their services or how they generate revenue. In contrast, DFY is clear about their fees, disclosing all details, such as their team's fees, mortgage, insurance, and property management. Additionally, DFY shares its transaction reports publicly, outlining every home bought, sold, and rented, ensuring full transparency.

2. **Sustained Success Across Market Cycles**: DFY has been successful across various market cycles, from before the 2008 crash to post-COVID times. Kevin emphasizes that some companies are opportunistic and pop up only during favorable market conditions. However, DFY has continued to adapt and thrive through high inflation, low interest rates, and other fluctuating market conditions. This proven track record shows DFY’s resilience and expertise in long-term, sustainable real estate practices.

3. **Multiple Market Operations with Data-Driven Decisions**: DFY operates in multiple markets across the U.S. based on thorough, data-driven criteria. Many turnkey companies either focus on a single geographic area or expand opportunistically without solid data backing their decisions. DFY, on the other hand, carefully selects markets where their "Moneyball" real estate strategy will work, allowing clients to diversify portfolios across several states, regardless of where they live.

0:00 Speech Therapy

6:14 #1 Fee Transparency

14:26 #2 Proven Success

19:11 #3 Moneyball Real Estate

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Learn more about DFY’s done-for-you investing approach at dfy-realestate.com

In this podcast episode, Steve and Kevin share personal stories about their real estate investment failures, highlighting the importance of sticking to a well-thought-out plan.

Steve reflects on a decision from 2005, where he sold two fourplexes for a quick cash infusion, deviating from his long-term retirement plan. While he made a modest profit, he later realized that had he kept all three properties, they would now be worth around $1 million each, generating significant cash flow.

Kevin shares a similar story of failure. In 2009, after the mortgage crisis, he impulsively bought 20 homes for $150,000 without proper due diligence or a clear strategy, hoping to make massive profits. The investment backfired, leading to significant financial loss and eventual offloading of the properties at a loss.

Both stories emphasize the pitfalls of deviating from a solid investment plan, succumbing to "shiny object syndrome," and attempting to "swing for the fences" without proper research or preparation. Steve and Kevin both learned the importance of methodical planning and smaller, consistent wins over aiming for high-risk, high-reward deals.

0:00 Lower Interest Rates

3:31 Our Worst Investments

5:34 Steve's Tale

11:43 Kevin's Tale

22:49 Stick to Your Plan

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In this podcast episode, Steve and Kevin discuss the often misunderstood concept of cash flow in real estate investing. While cash flow is widely seen as the ultimate goal for many investors, the hosts argue that its importance is overstated—especially in the early stages of investing. They emphasize that focusing solely on cash flow can distract from long-term wealth-building strategies. Steve shares examples of how appreciation, tenant contributions, and tax advantages can create significant financial gains over time, even without immediate cash flow or favorable interest rates.

The episode also touches on the importance of understanding when and how cash flow becomes relevant, framing it as a long-term outcome rather than an immediate necessity. They explain how interest rates, while often viewed as a barrier, can actually unlock opportunities for growth, such as tax-free income through cash-out refinancing. Kevin uses examples of real estate appreciation over time to show how properties can double in value, even in the absence of significant cash flow or optimal interest rates.

The episode aims to shift the mindset of real estate investors, encouraging them to look beyond short-term cash flow and focus on the larger financial picture, including property appreciation, tenant-paid equity, and tax-free income.

0:00 Life Lately

5:08 Cash Flow

11:46 Why it is irrelevant

20:50 Focusing In

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Book a call with Kevin and see what your personalized real estate roadmap could look like.
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Learn more about DFY’s done-for-you investing approach at dfy-realestate.com