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Colorado Real Estate Podcast

Erin Spradlin & James Carlson

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Colorado is one of the hottest real estate markets in the country. To navigate it successfully, you need inside information. Join real estate agents Erin Spradlin and James Carlson each week as they share insights into the Denver, Colorado Springs, and surrounding markets, how to win deals in a competitive situation and what developments are changing these cities and the state. Whether you're investing in Airbnb and short-term rentals, house hacking for financial freedom or simply wanting to ...
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Learn all about investing in real estate in Colorado Springs, Colorado with a combination of real estate financial planning and modeling with numbers specific to Colorado Springs plus syndicated, more generalized recordings of live and pre-recorded real estate investing classes (not all specific to Colorado Springs).
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Market Matters

with Matt Hudson & Adam Hebener NMLS #377655

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Market Matters, with Matt Hudson and Adam Hebener, brings you rapid-fire conversation about the Colorado real estate market and the macro-economic and geopolitical forces influencing market trends.
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Interested in learning how to analyze deals using The World's Greatest Real Estate Deal Analysis Spreadsheet™? Specifically, do you need to know how to analyze a deal purchased with an interest-only loan? In this special deal analysis, you will: Discover the secret strategy for analyzing the purchase of a rental property with an interest-only loan …
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In this episode of the Colorado Real Estate Podcast, we discuss a recent Airbnb-related lawsuit in Denver District Court, where James served as an expert witness. Additionally, we chat about our personal experiences from summer backpacking trips in Colorado, highlighting some of our favorite trails. To wrap up the show we discuss practical advice o…
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Life has risks. Investing adds new risks. Investing in real estate adds new risks specific to real estate investing. One risk that is unique to real estate investing is the risk of buying a stigmatized property or having a property become stigmatized while you own it. In this class, James will: Uncover hidden gems in the real estate market and turn…
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The Colorado Real Estate Podcast discusses, Erins work with mid-term rental clients across the U.S. and James's ongoing buyer client transactions. They discuss the flexibility of mid-term rentals, emphasizing that most properties can be successfully rented with proper pricing and marketing, rather than a focus on specific tenant demographics like t…
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Real Estate Investing Through Massive Foreclosure Periods Join us for an exclusive episode of the REFP podcast, focusing on "Real Estate Investing Through Massive Foreclosure Periods." In this enlightening episode, you'll dive into the following insights: Discover the secret to making money during economic downturns, a strategy that can set you apa…
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The Colorado Real Estate Podcast discusses the five factors that help your midterm rental get rented sooner and and stay rented more often. Also, will buyers have to start paying for their agent's commission? A new policy goes into effect August 17 that could alter how buyer's agents get paid. For more info visit: https://www.erinandjamesrealestate…
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Deal Alchemy™ - Debt Paydown to Cash Flow Join us for an exciting and enlightening class with James Orr as he delves into the fascinating world of Deal Alchemy™. In this class, listeners will discover a surprisingly powerful strategy that has the potential to drastically improve cash flow on rental properties. Whether you're considering buying a ne…
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Tax Deductibility of PMI Payments Are you an owner-occupant puzzled by the ever-changing rules around PMI (Private Mortgage Insurance) deductibility? Or perhaps an ambitious real estate investor, hungry to maximize your deductions and supercharge your profits? Then this class is your golden ticket to the world of tax wisdom! Join us for an exhilara…
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The Colorado Real Estate Podcast discusses the different ways you can house hack in Colorado Springs to offset your mortgage. (And why seniors might be the future of this as-of-now young-person's investment strategy.) Also, why checking building permits before buying in Colorado is a vital part of the home-buying process For more information visit:…
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Functional Obsolescence Unveiled: The Silent Value Killer in Real Estate Investments—and How to Defeat It! There's a often overlooked risk of investing in reale state: obsolescence. Whether we're focused on properties that are or will become functionally obsolete or drift directly into economic or physical obsolescence... these are real-world risks…
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On today's show, we're diving into the topic of Airbnb deposits, a growing concern for hosts, especially in the 30-day and midterm rental spaces where larger deposits are often needed. With Airbnb's dominance in the short-term market and its increasing presence in midterm rentals, we emphasize the importance of staying compliant with their rules. N…
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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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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 episode of the Colorado Real Estate Podcast Erin and James discuss: Colorado Squatter Laws Who is most likely to squat in your property? Turbo Tenant content Criteria for Squatters in Colorado How to protect yourself from squatters in Colorado Property taxes and squatters What is a zombie mortgage? How do you get a zombie mortgage? How do y…
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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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In this podcast, Erin and James of the Colorado Real Estate Podcast discuss: Accessory Dwelling Units 1. What is an ADU? What is an ADU in real estate? 2. The point of Colorado's ADU law 3. Does every Colorado city have to allow for ADUs? 3. What does Colorado's ADU law do? 4. When does the Colorado ADU law go into effect? 5. Can HOAS prevent ADUs …
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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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5 Things to Know When you Buy a Property in Mexico 1. How long does it take to purchase a property in Puerto Vallarta? 2. How do I find a real estate agent in Puerto Vallarta? 3. Can you get a home loan in Mexico? Can you get a home loan in Puerto Vallarta? Do you use a lender in Mexico? How does a foreigner buy a house in Mexico? 4. Can foreigners…
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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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The Colorado Real Estate Podcast discusses Erin and James' recent purchase of a condo in Puerto Vallarta, Mexico. What were the fears about purchasing a home in Mexico, what due diligence did they do, what was the process for buying in Mexico, and the timeline for taking possession of our new Mexican condo. For more information visit us online at h…
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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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The Colorado Real Estate Podcast discusses what to do over a weekend in Colorado Springs, what is an appraisal contingency? Example of an appraisal gap. Pros and cons of appraisal gap coverage. In the second segment, the Colorado Real Estate podcast covers what to do when your tenants leave early/breaking a tenancy early. For more information visit…
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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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The Colorado Real Estate Podcast discusses what to do over a weekend in Colorado Springs, what an escalation clause and the best way to use an escalation clause, as well as a May 2024 Market Update for Colorado Springs Real Estate and a May 2024 Market Update for Denver Real Estate. For more information visit us online at https://www.erinandjamesre…
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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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The Colorado Real Estate Podcast discusses a new Colorado landlord law, SB 1098, designed to curb "no-cause" lease terminations and evictions, offering tenants more stability. This law requires landlords to have valid reasons to terminate leases, such as property conversion or substantial repairs, helping to even the power dynamic between landlords…
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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 Colorado Real Estate Podcast, we discuss market trends in Denver and Colorado Springs, focusing on housing prices, inventory, and what to expect in the coming months. We also tackle the common question about Colorado's foreclosure rates, noting that the state has a relatively low rate compared to national averages. Additional…
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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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Today we discuss Colorado Senate Bill 33, a proposed bill that would have quadrupled property taxes for short-term rentals, which was ultimately voted down. We also talk about current regulations for short-term rentals in Colorado, with varying rules across different counties. As well as a recent appearance on Turbo Tenet and updates from our real …
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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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In this episode of the Colorado Real Estate Podcast, we explore how demographic shifts are influencing the real estate market. We discuss the "silver tsunami" of baby boomers potentially selling their homes and the counteracting demand from millennials, now the largest demographic cohort, which is keeping home prices high. Additionally. And finally…
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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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On this episode of The Colorado Real Estate Podcast we review the 6 most important questions to ask yourself if you're thinking of investing in real esate. If you're a first time buyer or just looking to add to your exisitng real estate portfolio don't miss these important tips! For more infomation visit https://www.erinandjamesrealestate.com…
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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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On this episode of the Colorado Real Estate podcast, hosts James and Erin discuss President Biden's push to eliminate hidden junk fees for tenants, Airbnb guests, and anyone buying a Taylor Swift ticket. Also, is downtown Colorado Springs cool? Is it growing? What are some of our favorite shops down there? We discuss the State of Downtown Colorado …
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How to Analyze Buying a Rental Property at a Discount in Colorado Springs 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 t…
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In this episode of the Colorado Real Estate Podcast, hosts Erin and James discuss what Colorado real estate agents are obligated to do under the buyer-agent agreement. In the aftermath of a big real-estate lawsuit, knowing what your realtor does and does NOT do can be important. Also, President Biden's housing plan includes a $10,000 tax credit for…
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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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On this episode of the Colorado Real Estate Podcast, hosts James and Erin discuss whether you need to 10x everything or whether owning 100 doors is required to succeed in real estate investment. How many Colorado rental properties do you really need? Also, do you need an LLC to protect your real estate investments and how do you set up an LLC in Co…
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In this consumer focused conversation, Matt Hudson and Mike Aden (Employing Broker at Colorado Home Realty) discuss the proposed settlement of the 6 year class-action lawsuit which, amongst other things claims that the National Association of Realtors (NAR) is complicit in required practices by members that contributed to price fixing. Mike and Mat…
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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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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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On this episode of the Colorado Real Estate Podcast, hosts James and Erin discuss the pros and cons of buying or selling a property with an assumable loan. Also, we discuss how AI is being used in real estate listings. Finally, we talk about the Denver Nuggets basketball team. For more information visit https://www.erinandjamesrealestate.com/…
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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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On this episode of the Colorado Real Estate Podcast, hosts James and Erin discuss why condos are not the terrible investment everyone thinks they are. Also, the proposed law that would quadruple property taxes for Colorado STR owners is changing. Finally, the Cottonwood Arts Center offers the best writing courses in Colorado Springs. For more infor…
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The January Producer Price Index inflation report released in February effectively eliminated the Federal Reserve from beginning the decline of banking rates this spring, which caused a market reaction that drove mortgage rates higher. This upward movement of mortgage rates has tempered buyer activity year to date, but we still see real estate pric…
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How to Analyze a New Construction Single-Family Home Property in Colorado Springs 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…
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