Calling All Real Estate Investors

The first episode of "Now You Know" with Caeli Ridge is here ! Caeli is going to walk you through calculating your income for mortgage loans as a self-employed person and what this means when applying for a mortgage loan.  For more education and access to live events join our Community here !  https://community.ridgelendinggroup.com/events/live-with-caeli As always, give Ridge Lending Gr...

Caeli Ridge recorded this episode on 2/20/2024   Remote Real Estate Investing : Pros, Cons & Tips Caeli details the Pros, Cons and Tips to Master Remote Real Estate Investing including diversifying portfolios, thorough research, build reliable local teams, embracing technology, finding reliable property managing partnerships and other topics! https://www.narpm.org/ Check out the video with the...

Caeli Ridge recorded this episode on 2/6/2024   When is the Right Time to Refi? Let’s do the Math! In today's call Caeli discussed the things you should be looking at when you are deciding whether or not to refinance your property. She outlines the checklist that she would recommend you doing before making your decision, to cover all of your bases and make sure that the math is adding up to b...

Caeli Ridge recorded this episode on 1/23/2024   Guest Speaker Sam Parker with My Credit Guy Sam Parker of My Credit Guy joins the podcast today to talk about credit, credit repair, the percentages of the different points that make up your credit score, and some really interesting tips and tricks of the trade for building your credit and maintaining a high credit score while investing in real esta...

Caeli Ridge recorded this episode on 1/2/2024   Creative Financing Strategies for Non-Owner Occupied Portfolios Caeli Ridge discusses some really creative options that Ridge Lending Group can offer as it relates to purchases and refinances. Ever wondered about some alternative ways to get funding for your next home or investment property? Tune it to hear about all that Ridge Lending Group offers!...

Caeli Ridge recorded this episode on 12/26/2023   Risk Management: Understanding Through a Lenders Perspective Caeli Ridge will go through the understanding of risk management as it pertains to the lender, so that investors can have a better understanding of what is going on behind the scenes when it comes to investing in real estate. She will round out the episode by discussing the state of the m...

Caeli Ridge recorded this episode on 12/12/2023   Guest Speaker Brent Widman from Southwestern Consulting joins today as our guest speaker. Caeli and Brent have a great Q&A on what it means to stay consistent in life and discuss the power of writing your goals down in order to achieve them. They discuss many personal insights on what it means to be successful, and what drives us all! You can c...

Caeli Ridge recorded this episode on 11/28/2023   Have you ever been hit with a property tax bill that far exceeded your expectations? You've come to the right place ! Caeli breaks down property tax definitions for us as well as showing us how you can know exactly what you'll be paying in property taxes based on the county in which your property resides. We dive into a Q & A after th...

Guest Speaker Alex Hines  Caeli Ridge pre-recorded this episode on 11/3/2023   Caeli and Guest Speaker ( & Ridge Lending Group Borrower) Alex Hines discuss how he has been so successful in real estate investing in just the few years he has been doing it. They go into detail about his properties and how he has been able to fix and flip while still turning a great passive income on his propertie...

Edit Delete How to Prepare for Year-End-Investor Push for Tax Write-Offs  Description Caeli Ridge pre-recorded this episode on 10/17/2023   Caeli dives into how to prepare for the year-end closings and investor pushes for tax write-offs. 98% of our industry is only focused on non-owner-occupied transactions. For non-owner-occupied transactions, the end of the year is the slowest but for investors,...

Caeli Ridge pre-recorded this episode on 10/3/2023   Caeli introduces a new product Ridge Lending Group has - Cross Collateralization Line of Credit for Investment Properties! Individual or Multi-Unit Properties, Residential or Commercial Housing up to 24 units.  Starts as minimum line amount of 1 million, and goes all the way to 25 million.  80% LTV, 18-24 month terms, Purchase or Refinance with...

Caeli Ridge recorded this episode on 9/19/2023 Guest Speaker Daniel Paloscio  This week’s guest speaker is Daniel Paloscio from SEP Capital. He is a seasoned private lender with more than a decade of experience in residential real estate. His track record includes over 600 loans successfully closed since 2013. This extensive experience in the industry has honed his ability to attract and underwrit...

Caeli Ridge recorded this episode on 9/5/2023 uDirect IRA Services with Special Guest Speaker Kaaren Hall Kaaren Hall founded and made a resounding success of uDirect IRA Services. She discovered a strategic way to put her 20+ year experience in mortgage banking, real estate and property management to use. The solution was an untapped market for both her skills and for Investors- self-directed IRA...

Caeli Ridge recorded this episode on 8/29/2023 The Income Snowball with Tanisha Souza from Tardus Wealth Strategies Tanisha presents her Income Snowball method of acquiring rental properties and how to build a real estate portfolio fast in any market. She details how Tardus and their patented calculator can help you in achieving financial freedom. Her presentation goes into detail on how to buy re...

Caeli Ridge recorded this episode on 8/15/2023 Amortized vs. Interest Only Loans This week Caeli will be going into  detail about  Amortized (Close Ended) vs. Interest Only (Open Ended) Loans. She will highlight the differences and when you should be looking at either one as an option for your next loan transaction depending on your scenario.  Check out the video version on our YouTube page to see...

Caeli Ridge recorded this episode on 8/1/2023 DSCR vs. Conventional Loans & How to Compare Percentages of LTV's.  Tune in to this week's Calling All Real Estate Investors live event with Caeli to learn the differences between a DSCR (Debt Service Coverage Ratio) Loan and a Conventional Loan.    Caeli will also review how to do the math when comparing LTVs (Loan to Value) per transact...

Caeli Ridge recorded this episode on 7/25/2023 Recourse vs. Non-Recourse Loans Caeli provides an overview of what recourse and non-recourse loans are and in what situations you would choose one over the other. She details that the difference in rates and terms between the two options is significant, and that she does not see a place for non-recourse loan options in most cases as it pertains to rea...

Caeli Ridge recorded this episode on 7/18/2023 Short Term Rental Tips and Tricks  Curveball! This week Caeli does a brief overview of what an amortized loan is vs. an interest only loan, with a short pro & con list of each.  She will come back next week with a deeper dive and some great visual aids.  Caeli discusses the topic for our July Newsletter which is what you can do to set your short t...

Caeli Ridge recorded this episode on 7/11/2023 To Pay or Not to Pay Points, That is the Question.  And it might be a trick question... During this episode Caeli details how to figure out what your interest rate will be.. the old school way. By using a chart and, say it with me "Doing the Math" :) This breakdown explains why interest rates end of being what they are and everything that go...

Caeli Ridge recorded this episode on 6/27/2023 Caeli details Ridge Lending Group's list of the Top 10 Things TO  DO during a loan transaction.  Some of this list may resonate easily with you, while with others you may have never thought of their importance. Tune in to hear Caeli's insight and expertise on the list.  A spirited Q & A from our members during the live event following th...

Caeli Ridge recorded this episode on 6/20/2023 Caeli details Ridge Lending Group's list of the Top 10 Things TO NOT DO during a loan transaction. This list shows some easy mistakes that can be made to delay or even make you unqualified during the loan transaction. Some may be obvious to you, while others you may have never thought of. All are important. Communication with your loan team is ke...

Caeli Ridge recorded this episode on 6/13/2023 During this episode, Caeli Ridge discusses Cash Out Refi Rules and has a lively Q&A with participants who are vying for a prize! Pop Quiz style, Caeli Ridge talks BRRR, and Cash Out Refi Scenarios.  Check out the video with the screen share and the documentation in the Community. You can join these live each week by following this link to join the...

Caeli Ridge recorded this episode on 6/6/2023 During this episode, Caeli Ridge discusses the score qualifications per loan product, the minimum tradelines required, the minimum length of credit and the credit score optimization review.  Check out the video with the screen share and the documentation in the Community. You can join these live each week by following this link to join the call: https:...

Caeli Ridge hosted this episode on 5/16/2023 Guest Speaker John Dingeman with Class Valuation Appraisers was on the show today discussing with Caeli and the community his expert knowledge of appraising property, and how to overall understand an appraisal as it relates to investment type properties.  John ran us through some scenarios and showed us how to read and interpret the 1004. Open Discussio...

Caeli Ridge recorded this episode on 5/9/2023 This episode outlines and sets the expectations for the third and fourth video calls within the Certified Power Buyer (CPB) program hosted by Caeli Ridge, available at Ridge Lending Group.  These are free educational calls for real estate investors looking for information and guidance from Caeli Ridge.  They are not objective in nature, but are subject...