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Welcome to the Relax, I Got This! Podcast – your premium destination for unlocking the world of real estate with confidence and savvy. With our tagline "Elevate Your Real Estate IQ: Learn on the Relax, I Got This! Podcast," we're your trusted resource for all things real estate, designed to empower both newcomers and seasoned enthusiasts. Tune in to gain expert insights, strategic tips, and actionable advice from industry professionals, seasoned investors, and successful homeowners. Our epis ...
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Pilot Money Podcast

Timothy P. Pope, CFP®

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The podcast about financial planning for professional pilots! Get answers to your most pressing personal finance questions. Timothy Pope is a Certified Financial Planner™ offering securities and insurance products offered through Cetera Investment Services LLC, member FINRA, SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Tim’s Branch Office is located at 5200 77 Center Drive, Suite 330, Charlotte, NC 28217. Branch phone number 704-717-8900. The views depicted in ...
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Want to hear from people closing multifamily/apartment deals? Listen in as our team interviews successful multifamily real estate investors as we dive deep into the details on how they got their deal to the finish/closing line and beyond. No fluff. Just getting down to business with how investors are gaining more passive cash flow with multifamily investing. You can join the Multifamily Investor Nation by visiting us on our Facebook page or YouTube. Free weekly webinars are available. Get yo ...
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Currently driving around the local highways/ interstate (I-485) of Charlotte NC and surrounding areas discussing the complexities of real estate. The issues are discussed in simple terms sprinkled with a little humor. #Loud #Un Edited Real Estate, Investing, Economics , Spending Habits , Tech Apps
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Looking for an edge in the real estate investment market? Not sure which markets or market segments offer the best opportunities or which strategies to implement? You have come to the right place….Hosts Eric Odum and Steven Silverman blend decades of combined experience in the real estate investment market along with their expert guests covering topics in lending, investment strategies, property management and development…. giving you actionable investment ideas each and every episode you ca ...
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If you are buying, selling, or investing in real estate in the Charlotte metro area, a Nest For Every Nester is a community of real estate professionals, local service providers and community leaders helping you navigate the process and keeping you informed on the development that is happening in your community.
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As Told By Nomads features interviews with changemakers, global nomads, Third Culture Kids, and entrepreneurs discussing what it takes to be better inclusive and global leaders. See acast.com/privacy for privacy and opt-out information. Hosted on Acast. See acast.com/privacy for more information.
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show series
 
How to Analyze an All-Cash Rental Property Purchase Deal analysis is important. Learning how to analyze deals is a critical skill for all real estate investors, whether you're financing 100% of the purchase or buying a property without a loan at all and paying all cash. In this class, we will look at how deal analysis changes when you plan to buy a…
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Join Timothy P. Pope on this episode of the Pilot Money Podcast as he delves into the intriguing world of real estate investment with Tait Duryea, an airline pilot and real estate entrepreneur. Tait shares his career journey, starting as a passionate aviator influenced by a family legacy at Hawaiian Airlines, to becoming a savvy real estate investo…
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In this episode of the Agent-to-Agent series of the show, I speak with Kelly Fain, who is based in Lakeland, Florida. She is a dedicated real estate professional with 10 years of experience. A proud resident of Lakeland, FL, Kelly's journey began at Southeastern University, where she met her husband. Drawn by Lakeland's welcoming community, they ch…
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How Return on Investment Changes Based on Credit Score With PMI Does your credit score really matter when you're buying rental properties? Sure, your credit score impacts the mortgage interest rate you can get with traditional mortgages. And yes, your credit score affects how much private mortgage insurance (PMI) will cost. Your credit score can al…
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In this Q&A episode of the Pilot Money Podcast, host Timothy P. Pope, CFP® tackles retirement planning questions from listeners. This episode is a Q&A session where Tim addresses questions about optimizing retirement contributions across multiple employer plans and how to best handle bonuses. Join Tim as he explores the intricacies of managing 401(…
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In this episode of the Agent-to-Agent series of the show, I speak with Masha Halpern, who is based in Chapel Hill/Durham, NC. Masha is a dedicated real estate broker with over 30 years of experience in the Durham/Chapel Hill area. Masha, a proud Carolina Friends School and UNC-Chapel Hill alum, has deep roots in her community, which she lovingly ca…
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So, are you stressing out over higher mortgage interest rates and properties not cash flowing as well as they used to, or in some markets, not having positive cash flow at all... even with 25% down? What's a real estate investor seeking financial independence to do? In this class, we will compare two strategies. In both strategies, you first buy an…
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So, you're considering Nomading™. Excellent! But as you dig into the details, you may wonder what the impact would be if you chose to buy a more desirable, higher quality, but maybe less optimal property at full price (without a discount), versus focusing on finding a slightly less desirable, slightly lower quality, but slightly more optimized rent…
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Join Timothy P. Pope, CFP®, as he explores the intersection of behavioral finance and personal decision-making with Jennifer Bower, a seasoned financial coach with roots in the aviation community. With her unique blend of intelligence background and financial acumen, Jennifer offers a fresh perspective on tackling financial challenges and behaviora…
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Deal Alchemy™ - Black Box Cash Flow Deal Alchemy™ is all about manipulating returns to get the returns you desire most. One variation of Deal Alchemy™ has you think about your rental property investment as a black box. You put money into the black box, some magical things happen over the next few years and out pops profit which you can spend like c…
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Warning - Risks of Rental Demand Declining When Investing in Real Estate Risk, risk, risk... Life is full of risks. To a limited degree, we get to choose which risks we voluntarily take on. For example, if you choose to invest in real estate, you choose to take on some additional risks that you might not—directly—face if you opt to invest in someth…
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Whitney Elkins-Hutten of PassiveInvesting.com interviews Gino Barbaro, a multifamily investing expert, as he recently spearheaded the acquisition of the 105-unit Tillery Apartments in Knoxville, Tennessee. This strategic purchase exemplifies Gino's expertise in identifying and capitalizing on value-add opportunities in the multifamily market. By se…
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Join Timothy P. Pope, CFP®, as he delves into an intriguing financial analysis in this solo episode of the Pilot Money Podcast. Drawing from the energetic discussions with Jason DePew on achieving early financial independence, Tim pivots to a scenario that many pilots might ponder: Can relying solely on company contributions suffice for a comfortab…
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Private Mortgage Insurance Myths Reputation can be a challenging thing. I have found, through many conversations with clients over the years, that Private Mortgage Insurance (PMI) has a questionable reputation with home buyers in general and investors in particular. However, much of its reputation is based on half-truths, bad information, lies, and…
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Whitney Elkins-Hutten of PassiveInvesting.com interviews Neal Bawa, an apartment syndication expert. In this episode, we unlock the secrets behind a 194-unit Midtown Ridge, poised for a million-dollar transformation. Join us as we explore the aggressive negotiation tactics used to snag this deal and dissect the unique financing strategy that utiliz…
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Warning - Risks of Neighborhood Decline When Investing in Real Estate Everything in life has risks. Not investing adds certain types of risks, while investing adds other risks. One risk that some real estate investors face is the possibility that the neighborhood they're investing in will decline, causing values and/or rents to drop. So, how do we …
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Join Timothy P. Pope, CFP®, a financial planner who specializes in the planning needs of professional pilots, as he welcomes Captain Jason DePew to the Pilot Money Podcast. Jason DePew, a captain at a major airline and personal finance enthusiast, shares his journey towards financial independence. This discussion is not just about numbers; it's a d…
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How to Analyze a Duplex Some real estate investors are sensitive to their ability to get ten 30-year fixed rate financing loans and would prefer to fill those loan spots with larger purchases than just single family rental homes. One way to do that is to buy more expensive properties like duplexes, triplexes or fourplexes. In this class, James will…
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In this episode of the Agent-to-Agent series of the show, I speak with Trudy Padilla, who is based in St Augustine, Florida. Trudy is a seasoned real estate professional with over 30 years of experience, specializing in representing both buyers and sellers in the Northeast Florida market. With a background in mortgage lending and extensive knowledg…
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How to Calculate PMI If you're a house hacker, Nomad™, investor buying properties with less than 20% down, or buying creatively where the seller has PMI, you'll want to make sure you know how to analyze deals that have Private Mortgage Insurance. In this mini-class, James will cover how to analyze deals that have PMI, with an emphasis on doing it u…
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In this episode of the Agent-to-Agent series of the show, I speak with Melanie Ruiz, who is based in Rhode Island. Melanie is a future coffeeshop owner building a real estate business to help fund a life creating connections and community. Being a single mom of twins with a remote corporate job offered a lot of opportunity to find fun ways to work …
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Join Timothy P. Pope, CFP® in this relatable solo episode of the Pilot Money Podcast. Tim shares a personal story about his recent close-call with impulse buying. Tim explores the triggers and tactics he used to maintain financial discipline. This episode also touches on Tim’s passion for aviation and his recent flights with his family. Listen as T…
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In many cases—not all, but many cases—real estate investors can speed up the time it takes to become financially independent by choosing to pay off the mortgages on their properties early. Sometimes it makes sense to take every extra dollar beyond a healthy amount of reserves and aggressively pay off properties as quickly as possible. Other times, …
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Whitney Elkins-Hutten of PassiveInvesting.com interviews Michael Roeder, a seasoned investor and multifamily syndicator. Mike is back on the show to share his experience acquiring the 310-unit Marvey Apartments in Dallas, TX. From deal discovery to financing, Mike reveals how his team leveraged their expertise and strong relationships to win the bi…
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Deal Alchemy™ - Residential vs Commercial Property Deal Alchemy™ is all about manipulating the returns you're earning on your investments. Often, this is done through the choices we make when selecting the investment property and the strategies we choose to implement. For example, you could choose to invest in residential properties where your tena…
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In this eye-opening episode of the Pilot Money Podcast, Timothy P. Pope, CFP® sits down with Nik and Anna Fialka for a deeply personal and insightful conversation about the financial challenges and triumphs of a pilot's family. Nik, the host of "Ready for Pushback," and Anna, the unsung hero managing the behind-the-scenes dynamics of the Fialka hou…
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In this episode of the Agent-to-Agent series of the show, I speak with Allison Pflaum, who is based in the Austin area. Originally from Florida, Allison now lives in Kyle, just south of Austin, TX. She's a proud mother of two sons and a former teacher turned real estate entrepreneur. With over a decade of experience, she's bought and sold over 10 h…
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Warning - Risks of Loan Called Due When Investing in Real Estate Investing in real estate adds some risk to an already risk-filled life. However, certain activities and strategies when investing in real estate create additional risks that other strategies and activities do not have. For example, choosing to utilize strategies where the lender has t…
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The Art of Enough with Becky Hall Today's episode is with Lenore Becky Hall. Becky Hall is an EMCC registered senior practitioner executive coach, leadership consultant and facilitator with over 20 years’ experience working with senior leaders and executive teams around the globe. In Becky’s most recent book, The Art of Enough, she explores the unp…
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Whitney Elkins-Hutten of PassiveInvesting.com interviews Bobby Larsen, founder of Vanamor Properties. Bobby shares his journey of acquiring and revitalizing the Refill Meadows 28-unit property in Beaverton, Oregon. With a background rooted in real estate sales and mortgages, Bobby's expertise shines through as he navigates the complexities of the a…
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How to Analyze Buying a Rental Property at a Discount in Charlotte Some real estate investors insist on only buying properties where they can purchase them at a significant discount. While not mutually exclusive, other investors insist on buying quality properties at a fair price as long as it gets them their desired returns and will stand the test…
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Whitney Elkins-Hutten of PassiveInvesting.com interviews Wayne Courreges III about his acquisition of the 44-unit Majestic Apartments in Houston, Texas. He shares how he got the 1970s property with about a million less than the tax-appraised value, their renovation efforts to spruce up the place, and how they set up an online payment system for the…
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In this light but insightful episode, Timothy P. Pope, a CERTIFIED FINANCIAL PLANNER™ who specializes in the planning needs of professional pilots, draws parallels between the game of Monopoly and real-world financial planning. After delving into technical topics in previous episodes, Tim decides to share a more relaxed conversation about five cruc…
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In this episode of the Agent-to-Agent series of the show, I speak with Chris Ruszkiewicz, who is based in the Milwaukee area. Chris began her professional journey in 1994 when she obtained her first license and delved into the realm of new construction consultancy for a custom builder. Transitioning to residential real estate sales in 1996, she dis…
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How to Calculate PMI If you're planning to buy a property and put less than 20% down, you're likely to be required to pay Private Mortgage Insurance. Lenders prefer that you put at least 20% down, but if you insist on putting less than 20% down, they may still make the loan. However, they will usually do so at a slightly higher mortgage interest ra…
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In this episode of the Agent-to-Agent series of the show, I speak with Mary Ellen Vanaken, who is based in the North Atlanta area. Mary Ellen is a seasoned real estate professional originally from Long Island, New York, with a background in finance from her time on Wall Street with JP Morgan. Over the past 25+ years, she has called Alpharetta, Geor…
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Whitney Elkins-Hutten of PassiveInvesting.com interviews Ben Fraser. Ben is the Chief Investment Officer at Aspen Funds, and he unravels the story behind the acquisition of a 200-unit property in Overland Park, Kansas. From navigating loan assumptions to raising capital during the holiday season, discover the strategic decisions and partnership dyn…
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There are a large number of investing strategies you could pursue as a real estate investor: Nomad™, house hacking, fix and flip, buying 20% down rentals, buying 25% down rentals, saving up to buy free and clear rentals and many, many more options. Which is the best? Which gets you to financial independence fastest? Which gives you the highest net …
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Investing in Diversity and Innovation with Lenore Champagne Beirne Today's episode is with Lenore Champagne Beirne. Lenore is is the Founder and Managing Partner of Bright Ventures, a Black woman-led fund and strategic advisory firm. Bright Ventures is on a mission to build the next generation of the inclusive economy through coaching, community, a…
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As tax season is in full swing, now is the perfect time for pilots to begin thinking about the next year. What went well last year and what do you want to change for next year’s tax season? In this episode we explore real estate investment opportunities with an emphasis on proactive tax planning strategies. Whether actively managing properties or i…
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Whitney Elkins-Hutten of PassiveInvesting.com interviews Multifamily Syndication Expert, Gino Barbaro. Gino shares his journey from the restaurant business to becoming a multifamily real estate investor, discussing his latest acquisition of a 128-unit property in Knoxville, Tennessee. From overcoming challenges during the purchase process to implem…
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In this episode of the Agent-to-Agent series of the show, I speak with Byron Mims, who is based in the Charlotte, North Carolina area. Byron is a licensed Realtor in both North and South Carolina and has called the Charlotte area home for over a decade. Originally from Texas, he developed a deep affection for his current hometown of Charlotte. The …
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In this episode of the Agent-to-Agent series of the show, I speak with Jordana Zober Cutitta, who is based in the Pittsburgh area. Jordana is a highly experienced real estate professional with nearly 20 years of expertise in guiding clients through the significant financial decisions of buying and selling property. Her lifelong connection to the ci…
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Deal Alchemy™ - Increasing Down Payment There are four primary returns from investing in rental properties: appreciation, cash flow, debt paydown, and the tax benefits of depreciation. Additionally, there is a secondary return in the form of the interest earned on the reserves required to make the investment in the first place. Many real estate inv…
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Journey to Your Authentic Self with Paru Radia Today's episode is with Paru Radia. Paru is rare! Most people fall into one camp as either left brained or right brained. Paru, however, has always mixed her logical side with her creative side to thrive while navigating challenging environments, whether it be in the corporate world or as a founder and…
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Warning - Risks of Rental Property Expenses When Investing in Real Estate Risk is all around us. When we choose to invest in anything, we’re choosing to take on the additional risk characteristics of that investment. For example, when we choose to invest in real estate, we choose to take on the risk characteristics of the specific real estate inves…
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In this episode of the Agent-to-Agent series of the show, I speak with Brittany Sacco, who is based in the central Florida area, from Lakeland to Champions Gate and beyond. "Finding the 'Florida Dream' one home at a time" is Brittany's ultimate goal. When she moved from Michigan to Florida back in 2013, she came packed with enthusiasm and the energ…
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In this episode, CERTIFIED FINANCIAL PLANNER™ Timothy P. Pope delves into the intricacies of the backdoor Roth IRA strategy. He explains how this method allows high income earning pilots to bypass income limits and contribute indirectly to a Roth IRA, providing valuable insights and considerations for implementation. Tim explains how modified adjus…
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How to Analyze a New Construction Single-Family Home Property in Charlotte Your ability to analyze deals is arguably the most important skill as a real estate investor. It allows you to make smart investment decisions and helps you avoid making career-ending bad decisions, such as buying cash-flowing-sucking vampire properties. In this class, James…
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Creating Human-Centered Workplaces with Angela R. Howard Today's episode is with Angela R. Howard. Angela is a changemaker and expert in workplace culture transformation. As the founder of Call for Culture, she focuses on creating human-centered workplaces that support thriving businesses and empowered employees. Her approach is data-driven and gro…
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