Get in the Cashflow Game with K&K | A Podcast for Real Estate Investors, Lenders & Entrepreneurs

Hosted by Krystle Simpson and Kenny Simpson

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Episodes

247

Latest episode

Aug 2026

Language

EN-US

About the show

From Property Management, Commercial Lending, Residential Lending, we have a lot of insights on life, and have met a lot of incredible people along the way. This Podcasts features Krystle Simpson, a commercial lender, along with Kenny Simpson, a residential lender. This Podcasts will feature a series of guests who have been influential along our way to success, currently and future wise on topics such as: Real Estate, Business, Personal, Lifestyle, including Fitness and Health. Our Podcast series, “Get in the Cashflow Game with K&K” can be found on iTunes and Spotify.

Listen to episodes

60 recent

August 26, 20269 min

Trump Wants Lower Rates. So Why Aren’t They Falling?

Why are mortgage rates still so high in 2026, even as President Trump pushes for lower interest rates? That’s the question a lot of buyers, homeowners, investors, and real estate professionals are asking right now. In this week’s The Brief , Kenny Simpson breaks down what’s actually keeping mortgage rates elevated and why the answer goes far beyond who is sitting in the White House. We cover: • Why Trump wants interest rates lower • Why presidents don't directly control mortgage rates • How the Iran conflict is affecting markets and inflation expectations • The impact of tariffs on rates • What the latest jobs and consumer numbers are telling us • Why slowing wage growth matters for inflation • What Kevin Warsh and Scott Bessent can actually do • Why mortgage rates could have room to fall • What needs to happen before we see meaningful rate relief Kenny’s view is that the underlying economic picture isn't particularly strong: the jobs market is struggling, the consumer is slowing, GDP is lukewarm, and inflation has not risen as much as feared. But continued uncertainty surrounding Iran is making it harder for markets and policymakers to move toward lower rates. There is some good news. Kenny explains that the spread between the 10-year Treasury and 30-year fixed mortgage rate has narrowed significantly. In his view, without that improvement, mortgage rates could currently be substantially higher. So when will mortgage rates finally come down? Watch the full episode for Kenny’s take on what needs to happen next.

August 19, 20267 min

7 ADU Mistakes That Could Cost You Thousands

Thinking about building an ADU? There are some expensive mistakes you need to understand before you start construction. After funding more than 100 deals involving ADUs, Kenny Simpson has seen what can go wrong, from appraisals and construction costs to refinancing problems and properties that don't produce the value owners expected. In this week's The Brief , Kenny breaks down 7 ADU landmines every homeowner and real estate investor should understand: 1. What are you actually building? Do the comps and rents support your plan? 2. What will it really cost? Spending $350,000 doesn't automatically add $350,000 in property value. 3. The appraisal ADUs can be difficult to value, and the wrong appraisal can create major problems. 4. Your takeout loan Don't assume you'll automatically be able to refinance and pull your construction money back out. 5. Selling the property The market may not value your finished project the way you expected. 6. Qualifying for financing DSCR, residential and commercial lenders can treat these properties very differently. 7. Your team The lender, loan officer, appraiser, agent, and other professionals you work with can make or break a complex ADU project. The biggest takeaway: do the research before you build. Understand the potential value, rents, appraisal, financing, refinance strategy, and exit plan before committing hundreds of thousands of dollars to an ADU project.

August 12, 20266 min

Fed Rate Hikes May Be Over: Here’s Why

The Federal Reserve may be running out of reasons to raise interest rates in 2026. The latest jobs report came in far weaker than expected, previous months were revised lower, and wage growth has slowed. At the same time, inflation isn't showing the kind of spike that would make another Fed rate hike easy to justify. In this week's The Brief , Kenny Simpson breaks down: • Why the latest jobs report matters • Why wage growth may be the number everyone is overlooking • What slowing wages mean for inflation • Rising auto, credit card, and student loan debt • Why consumer stress matters to the Fed • Why Fed rate hikes could be off the table • What would need to happen for rate cuts • What this could mean for mortgage rates and real estate Kenny's key point: if wage growth continues falling, the job market stays weak, consumers slow down, and inflation doesn't spike, it becomes increasingly difficult for the Fed to justify raising rates.

July 29, 20269 min

Big News: We're Now Licensed in More States

Big news! We've officially expanded into more states, allowing us to help even more buyers, homeowners, investors, and self-employed borrowers with their mortgage financing. In this week's Brief, Kenny Simpson shares: The new states we're licensed in Why being a mortgage broker gives clients more options How access to over 100 lenders helps find better loan solutions Why experience matters in today's market How we've invested in technology, AI, and client communication to deliver a better mortgage experience Why referrals continue to be the biggest part of our business Whether you're buying your first home, refinancing, investing, or you're self-employed, we're here to help.

July 22, 20266 min

Inflation Has Finally Peaked. What Does This Mean For Rates?

Has inflation finally peaked? The latest inflation report suggests prices are no longer rising at the pace we've seen over the last few years, and that's changing the conversation around interest rates. In this week's Brief, Kenny Simpson breaks down: The latest CPI and PPI reports Why economists believe inflation is cooling What this means for mortgage rates Why the Fed may shift away from rate hikes The biggest risks that could push inflation higher again What buyers, homeowners, and investors should watch next If you're waiting for lower mortgage rates, understanding inflation is one of the most important pieces of the puzzle.

July 15, 202611 min

Self-Employed? Don't Let the Bank Tell You No

Being self-employed shouldn't stop you from buying a home. In this week's Brief, Kenny Simpson explains why so many business owners are denied by traditional banks, and the mortgage options that could help them qualify. In this episode, we discuss: Why self-employed borrowers are denied more often Bank statement loans 1099 loans Profit & Loss (P&L) loans Asset-based lending DSCR loans for investors How mortgage brokers access more lending options than most banks What you need before applying If you're an entrepreneur, freelancer, contractor, or business owner, this video will help you understand the options available today.

July 8, 20265 min

720,000 Americans Stopped Looking for Work

The latest jobs report may be one of the most important of the year. While unemployment appeared to improve, the underlying numbers tell a very different story. In this week's Brief, Kenny Simpson explains why this report could change the conversation around interest rates and the economy. In this episode, we cover: • Why only 57,000 jobs were added • Why 720,000 Americans stopped looking for work • Downward revisions to April and May employment data • Hospitality job losses • Labor force participation trends • Why the Federal Reserve may shift toward rate cuts • What this means for mortgage rates and the housing market If you're watching mortgage rates, the economy, or the housing market, this is one jobs report you shouldn't ignore.

July 1, 202615 min

The #1 Reason Real Estate Investors Lose Money

Most people think successful real estate investing starts with finding a great property. It doesn't. It starts with having the right strategy and the right team. In this week's Brief, Kenny Simpson shares the framework he uses to help investors build and scale their real estate portfolios. Topics include: •⁠ ⁠Choosing the right investment strategy •⁠ ⁠Building the right team •⁠ ⁠Finding experienced lenders and agents •⁠ ⁠Financing investment properties •⁠ ⁠Partnerships and raising capital •⁠ ⁠Common mistakes new investors make •⁠ ⁠How experienced investors continue to scale Whether you're buying your first investment property or expanding an existing portfolio, this episode covers the fundamentals that can help you avoid costly mistakes.

June 24, 20266 min

Your Home Could Be Worth More

One of the biggest appraisal changes in decades is coming this November. The industry is moving toward a new system that requires more data, more transparency, and more detailed property analysis. In this video, Kenny Simpson breaks down: • The new appraisal framework • Why appraisers will need more property data • How ADUs may be valued differently • Why upgrades and amenities may matter more • What homeowners should expect • Why appraisals may take longer and cost more • How this could impact refinances and purchases For homeowners with unique properties, custom homes, ADUs, guest houses, pools, and significant upgrades, this could be one of the most important appraisal changes in years.

June 10, 202617 min

Is Wasteful Government Spending Driving Inflation?

Everyone talks about inflation. Almost nobody talks about where the money is actually going. In this week's Brief, I break down: • waste, fraud & abuse • government spending • inflation • affordability • interest rates Whether you're left, right, or somewhere in the middle, one thing affects everyone: The cost of living. And if billions of dollars are being wasted every year, that money doesn't just disappear. It impacts inflation, affordability, and ultimately the housing market. I break it all down in this week's Brief.