Mortgage Heroes's Podcast

Hosted by Mortgage Heroes

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Episodes

216

Latest episode

Jun 2026

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EN-US

About the show

"The Mortgage Heroes Podcast". Each week Memo, Brian and Andy will break down the latest in real estate & mortgage, dive into the details of what's going on in the markets, and talk about how you can WIN in real estate and mortgage!

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60 recent

June 5, 202652 min

Why Most Airbnb Investors FAIL (And How to Avoid It)

Most people think owning an Airbnb is easy. Buy a property. List it online. Watch the money roll in.The reality? Most short-term rental investors leave thousands of dollars on the table because they misunderstand what actually drives bookings, revenue, and long-term success.In this episode of Friends of Mortgage Heroes, Andy sits down with Braydon Moreno, co-founder of Tumo Stays, to unpack what’s really happening in the short-term rental market and why many investors are getting it wrong.Braydon shares practical strategies for identifying profitable vacation rental properties, optimizing listings, increasing occupancy, maximizing nightly rates, and creating guest experiences that stand out in crowded markets. He also reveals how one National City property increased revenue from $76,000 to over $123,000 simply by improving management, marketing, and positioning.Topics covered in this episode:✅ Why Airbnb arbitrage is riskier than most people realize✅ The biggest mistakes new short-term rental investors make✅ Why bigger properties often outperform smaller ones in San Diego✅ How location impacts cash flow and appreciation✅ The hidden neighborhoods investors should be paying attention to✅ The psychology behind guest booking decisions✅ Property design strategies that increase occupancy and revenue✅ Why amenities matter more than ever in 2026✅ AI tools that help investors identify profitable vacation rentals✅ How professional management can dramatically improve resultsOne of the most surprising insights from this conversation is that some of San Diego’s best-performing vacation rentals aren't located directly on the coast. Strategic locations like National City, Chula Vista, La Mesa, and other centrally located neighborhoods can outperform expectations when paired with the right property size, amenities, and guest experience.Whether you're an experienced investor, a real estate agent helping clients evaluate opportunities, or someone considering your first short-term rental, this episode is packed with actionable insights you can use immediately.Connect with Braydon Moreno & Tumo Stays:Instagram: https://www.instagram.com/tumostays/If you enjoyed this episode:👍 Like the video💬 Comment your biggest takeaway🔔 Subscribe for more conversations around real estate, investing, mortgages, and wealth-building strategies.#Airbnb #AirbnbInvesting #ShortTermRental #VacationRental #RealEstateInvesting #PassiveIncome #SanDiegoRealEstate #AirbnbHost #RentalProperty #RealEstatePodcast #PropertyManagement #FinancialFreedom #CashFlow #MortgageHeroes #FriendsOfMortgageHeroes

May 14, 2026Episode 14843 min

VA Homeowners: Turn Your House Into Long-Term Income & Legacy | Lloyd Stanford

Your VA loan can do more than help you buy a home — it can help you build long-term income, stability, and legacy.In this episode of the Mortgage Heroes Podcast, Brian and Will sit down with retired Command Master Chief Lloyd Stanford to talk about how military homebuyers, veterans, and current VA homeowners can think beyond “just buying a house” and start using homeownership as a long-term wealth-building tool.For many service members, the mission feels complete once they finally get the keys. But as Lloyd explains, buying the home is often just the beginning.This conversation breaks down how VA buyers can use strategy, planning, and the right team to turn a property into something that serves their family for years to come.In This Episode, We Talk About:✅ Why VA homeownership should be viewed as a long-term strategy✅ How service members can use BAH to build equity instead of giving it away✅ Why garage conversions and ADUs can create new income opportunities✅ How young service members are using house hacking to offset their mortgage✅ Why buying early can change your financial future✅ The importance of planning before retirement or separation✅ How to avoid waiting until it’s too late to qualify✅ Why your home can become more than a place to live — it can become an assetLloyd shares real perspective from his 33 years of military service and his work helping military families navigate homeownership after service. The message is simple:You served the country.Now let your house serve you.About LloydLloyd Stanford is a retired Command Master Chief and real estate professional who helps military families, veterans, and service members make informed decisions about homeownership, relocation, and long-term real estate strategy.His perspective comes from decades of service, leadership, and firsthand experience helping military families understand what is possible with the right plan.If you are thinking about buying a home, converting unused space, preparing for retirement, or wondering how your VA benefit can work harder for you, this episode is for you.👍 Like this video💬 Drop your VA loan or homeownership questions in the comments🔔 Subscribe for more real estate and mortgage strategy from Mortgage Heroes#VALoan #VAHomeLoan #MilitaryHomeownership #VeteranHomebuyer #BAH #MilitaryRealEstate #PCSPlanning #ADU #GarageConversion #HouseHacking #MortgageHeroes #SanDiegoRealEstate #VeteranBenefits #HomeBuyingTips #RealEstateStrategy #MilitaryFamily #Homeownership #BuildWealth #VAHomeBuyer

May 8, 202629 min

How Smart Investors LEGALLY Avoid Massive Taxes with 1031 Exchanges

Why are so many real estate investors leaving California right now? In this episode of Friends of Mortgage Heroes, we sit down with Chris Armao from APX 1031 Exchange to talk about what’s REALLY happening in the investment property world in 2026—from rising landlord pressure to the growing popularity of 1031 exchanges and DSTs (Delaware Statutory Trusts).This conversation goes far beyond basic “what is a 1031 exchange” education. We dive into the real-world strategies investors are using RIGHT NOW to preserve wealth, reduce taxes, simplify their lives, and reposition their portfolios.🔥 Topics Covered:- Why more investors are moving OUT of California- How 1031 exchanges help defer huge tax bills- The rise of DSTs and “mailbox money” investing- Why landlords are getting tired of tenants, toilets & trash- Reverse exchanges explained in simple terms- How AI and technology are changing investor behavior- Why investors are choosing passive income over property management- How ADUs and investment properties can create tax challenges- What every landlord should know before selling property💡 Biggest takeaway: Many investors aren’t just chasing higher returns anymore… they’re chasing time freedom and relief from the increasing pressures of managing rental property.📍 Connect with Chris Armao & APX 1031 Exchange: https://www.apx1031.com/If you’re considering selling investment property and want to understand your options BEFORE creating a taxable event, reach out to Chris and his team.#1031Exchange #RealEstateInvesting #PassiveIncome #CaliforniaRealEstate #DST #InvestmentProperty #LandlordLife #MortgageHeroes #TaxStrategies #RealEstatePodcast #WealthBuilding #FinancialFreedom #RentalProperty #CashFlow #RealEstateTips

May 6, 2026Episode 14741 min

How San Diego Homeowners Are Turning Garages Into $10,000/Month Cash Flow

Thinking about converting your garage into an ADU or rental unit in San Diego? In this episode of Mortgage Heroes, we break down the REAL process behind garage conversions, ADUs, financing options, construction costs, cash flow strategies, and how homeowners are turning unused space into long-term wealth.We discuss:How one property became THREE income-producing unitsReal garage conversion costs in San DiegoFinancing options for ADUs & renovationsLong-term rental vs Airbnb strategiesCommon mistakes homeowners makeHOA myths about ADUsThe hidden delays nobody talks aboutWhy ADUs may become California’s next big wealth-building toolWhether you're trying to create passive income, help family members with housing, or build generational wealth, this episode is packed with practical advice for homeowners and investors alike.If you’ve been wondering whether an ADU or garage conversion is worth it… this conversation may completely change how you look at your property.👇 Questions about ADUs, financing, or real estate investing?Drop them in the comments below.🔔 Subscribe to Mortgage Heroes for weekly conversations about real estate, lending, investing, financial strategies, and building wealth in today’s market.#ADU #GarageConversion #SanDiegoRealEstate #PassiveIncome #HouseHacking #RealEstateInvesting #CashFlow #RentalProperty #MortgageHeroes #CaliforniaRealEstate #ADUConversion #FinancialFreedom #Homeowners #RealEstatePodcast #PropertyInvestment #HouseHack #InvestmentProperty #RealEstateTips #SanDiegoHomes #WealthBuilding

May 1, 202647 min

This App Changes Real Estate Investing FOREVER (San Diego ADU Tool)

What if you could instantly find out what you can build on ANY property… in seconds?In this episode of Friends of Mortgage Heroes, we sit down with real estate investor, broker, and entrepreneur Miguel Aldrete to break down his newest project—Builder Match—a powerful tool that’s changing how investors, realtors, and homeowners analyze deals.Instead of spending hours (or days) researching zoning, lot size, and feasibility… this platform gives you answers almost instantly.👉 Here’s what you’ll learn:How to analyze real estate deals in under 30 secondsWhy 90% of “good deals” aren’t actually good dealsThe truth about ADU investing in San Diego (and why it’s a gold rush)How zoning, FAR, and lot size REALLY impact your investmentWhy most investors lose money before they even start buildingThe hidden costs (soft costs) most people don’t account forHow this tool helps realtors win listings and investors move fasterThe mindset shift from guessing → making confident decisions💡 Biggest takeaway: The difference between winning and losing in real estate isn’t just capital—it’s speed + clarity.🧠 Featured Tool: https://buildrmatch.com/👉 Builder Match (Use code HERO for 50% off)A tool that helps you analyze properties, estimate build potential, and uncover hidden opportunities—fast.#RealEstateInvesting #ADU #SanDiegoRealEstate #PropertyDevelopment #RealEstateTools #MortgageHeroes #RealEstateTips #InvestInRealEstate #HousingMarket #RealEstatePodcast #PassiveIncome #ADUInvesting #EntrepreneurMindset #WealthBuilding #BuilderMatch

April 24, 202650 min

San Diego Housing Market SHOCK: Why Rent Prices Aren’t Rising in 2026

What’s REALLY happening in the San Diego housing market right now?In this episode of Friends of Mortgage Heroes, Andy sits down with experienced real estate professionals Billy & Yesenia to break down the surprising trends shaping the 2026 market—from flat rental prices to the rise of ADUs (Accessory Dwelling Units) and why so many people are choosing to stay put instead of making a move.If you’re a homebuyer, investor, landlord, or renter, this conversation will give you real, on-the-ground insight into what’s happening—and what could happen next.👉 Key topics we cover:- Why the typical “spring market boost” didn’t happen in 2026- The real reason people are NOT moving right now- How ADUs are changing affordability and investment strategies- Why condos are taking longer to rent (and what that means)- The truth about short-term rentals vs long-term investing- Hidden challenges landlords are facing in California- Where smart investors are looking right now in San Diego- Why property management is becoming more essential than everOne of the biggest takeaways: People aren’t necessarily priced out—they’re waiting. Waiting on life events, interest rates, or the “next move”… and that’s quietly reshaping the entire market.📍 Connect with Billy & Yesenia (WeLease USA): https://weleaseusa.com/If you’re tired of the DIY landlord grind and want professionals on your side, reach out to their team for expert property management support.#SanDiegoRealEstate #HousingMarket2026 #RealEstateInvesting #ADU #RentalMarket #MortgageHeroes #PropertyManagement #RealEstatePodcast #HousingCrisis #InterestRates #RealEstateTips #LandlordLife #InvestInRealEstate #CaliforniaRealEstate #HomeBuyingTips

April 17, 202641 min

He Started a Business at 17… Now He’s Scaling Fast | The Power of Networking & Showing Up

What does it look like to start a business at 17… and actually make it work?In this episode of Friends of Mortgage Heroes, we sit down with Noah Burroughs — a 20-year-old entrepreneur who built a pressure washing business from the ground up and is already thinking bigger than most seasoned business owners.From launching his company with his father to taking full ownership and scaling forward, Noah shares real lessons about business, mindset, and what it actually takes to stand out in today’s world.We dive into:- Why networking in person still beats everything in a digital world- How social media should support — not replace — real relationships- The truth about starting young (and why most people don’t)- How overcoming adversity shaped his confidence and identity- Why blue-collar businesses are making a massive comeback- The mindset shift from “fitting in” to standing out and owning itNoah’s story is proof that you don’t need to wait until you’re “ready” — you just need to start.If you’re an entrepreneur, aspiring business owner, or someone trying to figure out your next move… this conversation will challenge the way you think about opportunity.👇 Connect with Noah & learn more about his business:https://sandogscrubs.com/homehttps://www.instagram.com/noahburroughsss/

April 10, 202654 min

Why Collaboration Beats Competition in Business

What happens when your first business fails?For Dave Fraser, it became the foundation for building one of the top deck and outdoor living companies in the country.In this episode of Friends of Mortgage Heroes, we sit down with Dave to break down his journey from a tech startup in Malibu to becoming a nationally recognized leader in construction — with 18+ Deck of the Year awards and a reputation that speaks for itself.But this conversation goes way beyond decks…This is about business pivots, leadership, relationships, and why collaboration might be the ultimate competitive advantage.💥 What You’ll Learn:How Dave went from startup failure → thriving construction businessWhy sometimes the best opportunities are the ones you never plannedThe moment his team made a bold decision that changed everythingWhat it takes to become #1 in a competitive national industryWhy San Diego’s business culture is different (and powerful)The truth about competition vs collaboration in businessHow relationships can literally keep your business aliveIn most industries, competitors try to beat each other…In this one? They offered to run his projects for free while he was recovering from surgery.That tells you everything you need to know about:👉 Reputation👉 Relationships👉 And how real business is actually builtIf you're a homeowner, agent, or investor:Outdoor living spaces, decks, and patio covers are becoming a major value driver — especially as lot sizes shrink and people look to maximize usable space.This episode gives you insight into:✔ What to look for✔ What to expect with permits✔ How to think about upgrades that actually add value#Entrepreneurship #BusinessStrategy #RealEstate #HomeImprovement #ConstructionLife #Leadership #StartupFailure #BusinessGrowth #SanDiegoBusiness #OutdoorLiving #EntrepreneurMindset #PodcastClips #MortgageHeroes #FriendsOfMortgageHeroes #SuccessStories

April 8, 2026Episode 14646 min

Rates Are Changing FAST… Are Buyers Finally Winning in 2026? | Mortgage Market Breakdown

Are homebuyers finally catching a break in today’s market? 👀In this episode of the Mortgage Heroes Podcast, we break down what’s really happening with interest rates, buyer demand, affordability, and inventory—and what it means if you're thinking about buying, selling, or refinancing in 2026.With more buyers entering the market and conversations shifting from rate fear to monthly payment strategy, the game is changing fast. But does that mean now is the right time to make a move?💡 Inside this episode:Why more buyers are entering the market right nowThe real difference between interest rates vs. monthly paymentsWhat falling rates could trigger in the housing marketHow inventory is impacting pricing and negotiation powerThe “3 A’s” framework: Appetite, Affordability, and AvailabilitySmart strategies buyers are using to win in today’s marketWhether you're a first-time homebuyer, investor, or just watching the market closely—this episode gives you a clear, no-fluff breakdown of what’s happening and what to do next.🎯 If you're trying to time the market… this conversation might change your perspective.#MortgageRates #HousingMarket2026 #HomeBuyingTips #RealEstateInvesting #FirstTimeHomeBuyer #MortgageAdvice #InterestRates #HousingMarketUpdate #Refinance #RealEstatePodcast #HomeBuyers #MarketTrends #WealthBuilding #SanDiegoRealEstate #MortgageHeroes

April 3, 202641 min

Why Landlords Are Struggling in 2026 And How Property Management Fixes It

Rental properties are supposed to be passive income… right? Not so fast...In this episode of Friends of Mortgage Heroes, Andy sits down with Dina King of We Lease USA to break down what’s really happening in the San Diego rental market — and why more landlords than ever are hitting a breaking point.From missed rent payments to legal risks, market saturation, and rising tenant expectations… owning rental property today is more complex than most people realize.💥 What You’ll Learn in This Episode:Why rental properties are NOT Guaranteed passive income anymoreThe #1 reason landlords are giving up (it’s not what you think)How market saturation is impacting rental prices in San DiegoWhy tenant experience now matters more than everThe hidden risks of unpermitted ADUs and legal exposureHow property management helps you protect your asset AND your timeWhat tenants can do to actually get approved fasterWhere smart investors are looking next in San DiegoMost landlords don’t fail because of bad tenants… They fail because they underestimate how much time, strategy, and systems it takes to manage a property correctly.As Dina explains, the real value of property management isn’t just collecting rent — it’s solving problems, reducing risk, and giving owners their time back.📍 About Dina King & We Lease USADina King is a Business Development Manager at We Lease USA, a San Diego-based property management company focused on:Long-term leasing solutionsTenant placement & screeningProperty management for investors & homeownersHelping landlords create a hands-off ownership experienceTheir mission is simple: Make property ownership easier, more profitable, and stress-free.📲 Connect with Dina KingInstagram: https://www.instagram.com/dinaasky/ Email: dina@weleaseusa.comWebsite: https://weleaseusa.com/#PropertyManagement #RealEstateInvesting #RentalProperties #PassiveIncomeMyth #SanDiegoRealEstate #LandlordLife #RealEstateTips #InvestingInRealEstate #RentalMarket #EntrepreneurMindset #MortgageHeroes #FriendsOfMortgageHeroes #TenantTips #RealEstatePodcast #WeLeaseUSA