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Discover the inspiring journey of Carl Sliwinski, founder of The Heating and Cooling Pro, as he opens up about overcoming personal battles and finding redemption in the HVAC industry. From dealing with depression and addiction in his early life in central Ohio to transforming these challenges into a thriving business, Carl’s story is a powerful testament to resilience, hands-on learning, and the drive to provide for loved ones. His passion for skilled trades not only reshaped his future but also laid the foundation for a company that offers fresh starts for others with similar backgrounds. Join us as Carl discusses how connecting with diverse families through his work inspired him to establish a supportive company culture that mirrors his own journey of transformation.

As the seasons change, we shift focus to practical advice for maintaining your home’s heating systems. Ensuring your furnace is winter-ready is crucial, and we've got you covered with essential tips like scheduling tune-ups and checking safety devices. For those who prefer a hands-on approach, we offer simple maintenance tricks and insights into the benefits of professional analyses to ensure your heating system is safe and efficient. Finally, we extend our gratitude to our engaged listeners, sharing how your feedback and support help us bring stories like Carl's to a wider audience. Don't forget to subscribe and share this episode to inspire others with Carl's story and gain essential HVAC maintenance tips.

Please remember to:
Rate and review the podcast- that feedback is a gift!
Share this with other- that is the greatest compliment you can give Carl and me!
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To contact Carl:
Carl Sliwinski
614-886-4024
www.theheatingandcoolingpro.com

Sarah Thress
614-893-5885
Instagram https://www.instagram.com/sarah_thress_realtor/
Facebook https://www.facebook.com/SarahThressRealtor/
YouTubehttps://www.youtube.com/channel/UCE6UFLy2JicKKU2bn7VF9dg
email sarahthressrealtor@gmail.com

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Unlock the secrets of strategic home buying and selling with Nathan Lindley from Gold Star Mortgage. Learn how bridge loans can become your best ally in the real estate market, offering the flexibility you need to purchase your dream home before selling your current one. Nathan shares insider tips on utilizing home equity to bypass sales contingencies, making your offers more attractive in fiercely competitive markets.

Navigate the complexities of non-qualified mortgage solutions as Nathan presents real-world examples of handling multiple contingencies in transactions. Discover why minimizing these contingencies is crucial and how bridge loans are rising in popularity, especially in hot markets like Florida. Gain insight into why partnering with knowledgeable professionals can be a game-changer, especially when traditional banks don't offer tailored options.

Maximize your home buying options with expert strategies on managing existing mortgages and refinancing timing. Nathan explains how listing as a contingent escape can open doors to better offers while maintaining the security of a contract. Emphasize the importance of a skilled loan officer to help craft the most compelling offer, ensuring you secure your desired home at the best price. Stay connected with us through our resources in the show notes, and remember that your feedback and reviews are invaluable to our community.

To contact Nathan Lindley:
email: lindleyloanteam@goldstarfinancial.com
phone: 727.452.9868
https://www.instagram.com/thelindleyloanteam/
https://www.facebook.com/TheLindleyLoanTeam

Sarah Thress
614-893-5885
Instagram https://www.instagram.com/sarah_thress_realtor/
Facebook https://www.facebook.com/SarahThressRealtor/
YouTubehttps://www.youtube.com/channel/UCE6UFLy2JicKKU2bn7VF9dg
email sarahthressrealtor@gmail.com

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Unlock the secrets of commercial lending tailored specifically for small business entrepreneurs with our expert guest, a seasoned local lender. Discover the crucial steps needed to secure a commercial loan, from registering your business to crafting a compelling business plan. We break down the nuances between residential and commercial lending, emphasizing the importance of a strong credit score and understanding unique pre-approval processes. Learn how SBA-preferred banks can be your allies in financing startup costs and real estate purchases, and get the lowdown on typical down payment requirements and loan structures.

We also tackle the complexities of securing an SBA loan, highlighting the critical due diligence required in real estate transactions. Our guest shares insights on gathering the necessary documentation and the significance of demonstrating liquidity, possibly through collateralizing loans with life insurance. For those in industries like restaurants and hotels or personal trainers eyeing property ownership, we offer tailored advice on showcasing business management skills and navigating heightened scrutiny. Tune in for invaluable guidance on making your entrepreneurial dreams a reality through strategic commercial lending.

Sarah Thress
614-893-5885
Instagram https://www.instagram.com/sarah_thress_realtor/
Facebook https://www.facebook.com/SarahThressRealtor/
YouTubehttps://www.youtube.com/channel/UCE6UFLy2JicKKU2bn7VF9dg
email sarahthressrealtor@gmail.com

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Unlock the secrets of modern real estate financing with our latest episode of "Come to Find Out." This week, we're joined by Nathan Lindley from Gold Star Mortgage, who unveils the transformative potential of Debt Service Coverage Ratio (DSCR) loans in the ever-changing Florida property market. Discover how these loans offer a simplified, income-focused approach to securing financing, bypassing traditional roadblocks like personal income scrutiny and tax return requirements. Nathan shares insider knowledge on how DSCR loans adapt to both long-term and short-term rental income, providing a flexible and efficient solution for today's savvy investors.

Listen as we explore a compelling case study from California, illustrating how DSCR loans can breathe new life into underperforming properties. By refinancing a property rented below market value, one investor was able to refurbish and significantly increase rental income. Nathan addresses lingering concerns from the 2006-2009 financial crisis, assuring listeners of the rigorous and realistic assessments backing today's DSCR loans. With credit scores being a pivotal part of securing favorable terms, Nathan emphasizes the importance of maintaining a solid credit history to leverage the true power of DSCR loans.

Gain a deeper understanding of the current Florida real estate market dynamics with Nathan's firsthand perspective as a seasoned lender. He contrasts today's market with the speculative frenzy of the pre-2008 era, highlighting the robust demand and tight supply that characterize current conditions. Nathan offers expert advice on distinguishing between speculative and cash flow investing, urging listeners to adopt a long-term view for substantial returns. The episode also sheds light on closing costs and potential fees associated with DSCR loans, stressing the value of consulting with mortgage professionals to navigate these opportunities effectively.

To contact Nathan Lindley:
email: lindleyloanteam@goldstarfinancial.com
phone: 727.452.9868
https://www.instagram.com/thelindleyloanteam/
https://www.facebook.com/TheLindleyLoanTeam

Sarah Thress
614-893-5885
Instagram https://www.instagram.com/sarah_thress_realtor/
Facebook https://www.facebook.com/SarahThressRealtor/
YouTubehttps://www.youtube.com/channel/UCE6UFLy2JicKKU2bn7VF9dg
email sarahthressrealtor@gmail.com

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Ever wondered how to cut your insurance premiums by more than half without losing coverage? Join us as we sit down with Ethan Hamby from East Street Insurance, an expert who helped transform my family's insurance costs from a burdensome $1,000 a month to a manageable $465. Ethan, inspired by his father's career in insurance, brings a wealth of knowledge and shares how his agency's focus on personalized customer service and efficient claims handling sets them apart, especially for residents of Indiana and Ohio.

Discover how the COVID-19 pandemic has reshaped the insurance landscape, and learn how companies like East Street Insurance have navigated these changes to continue supporting high-risk vehicles and providing robust homeowner's insurance. Ethan provides invaluable tips on how to stabilize your premiums and underscores the importance of working with local insurers who understand regional challenges. Don't miss our discussion on the substantial savings and peace of mind that come from working with dedicated experts like Ethan. Stay tuned until the end for an invitation to share your feedback and follow us for more insightful episodes.

Contact Ethan Hamby:
email- Ethan.Hamby@eaststreetins.com
phone- (812) 267-7845 (Call Or Text)
Text hawkeye to 36260 to download his app

Sarah Thress
614-893-5885
Instagram https://www.instagram.com/sarah_thress_realtor/
Facebook https://www.facebook.com/SarahThressRealtor/
YouTubehttps://www.youtube.com/channel/UCE6UFLy2JicKKU2bn7VF9dg
email sarahthressrealtor@gmail.com

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Unlock the secrets behind securing affordable and comprehensive home insurance in Florida as we welcome back Kevin from TopQuote Insurance. Discover how TopQuote sets itself apart by offering policies from a multitude of carriers, ensuring you find the best premiums and coverage options. Kevin sheds light on common misconceptions surrounding Florida's home insurance market, explains the significance of wind mitigation and four-point inspections in a hurricane-prone environment, and assures that despite certain restrictions, there are still plenty of viable options for homeowners.

Stay ahead of the curve with expert insights into insurance bundling and the evolving landscape of Florida's insurance market. Learn about the crucial role of building codes influenced by events like Hurricane Katrina, and how they impact insurance credits and quoting processes. Kevin also provides a forecast of the market’s future, addressing the departure and potential return of companies, the effects of reinsurance costs, and the importance of periodically re-shopping your insurance policies. Don't miss out on this treasure trove of information that could help you navigate the complexities of Florida home insurance and benefit from TopQuote Insurance's comprehensive services.

To contact Kevin Enderle:
Kevin@topquoteins.com
TOPQUOTEINS.COM

Sarah Thress
614-893-5885
Instagram https://www.instagram.com/sarah_thress_realtor/
Facebook https://www.facebook.com/SarahThressRealtor/
YouTubehttps://www.youtube.com/channel/UCE6UFLy2JicKKU2bn7VF9dg
email sarahthressrealtor@gmail.com

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Is it possible to secure a mortgage without navigating the complexities of traditional banking? Join me on this episode of "Come to Find Out" as Nathan Lindley from Gold Star Mortgage Financial reveals the advantages of working with a non-depository bank focused exclusively on mortgages. Discover creative loan solutions such as bank statement loans and financing for non-warrantable condos, perfect for those eyeing investment properties or considering relocating to Florida. With the state entering its busy season, Nathan explains how Gold Star’s tailored support across various states can help you capitalize on competitive interest rates and innovative mortgage options.

Florida’s real estate market is unique, shaped by factors like hurricane season and macroeconomic trends. We discuss how inventory shortages and current higher interest rates influence seller negotiations, and why buying a home should align with your personal and financial readiness rather than market timing. Life events often dictate the decision to purchase a home, and understanding the role of interest rates and financial planning can help manage your mortgage over time. For a deeper dive into personalized mortgage solutions and the Florida real estate market, tune in and don't forget to check out reviews on platforms like Zillow and Google.

To contact Nathan Lindley:
email: lindleyloanteam@goldstarfinancial.com
phone: 727.452.9868
https://www.instagram.com/thelindleyloanteam/
https://www.facebook.com/TheLindleyLoanTeam

Sarah Thress
614-893-5885
Instagram https://www.instagram.com/sarah_thress_realtor/
Facebook https://www.facebook.com/SarahThressRealtor/
YouTubehttps://www.youtube.com/channel/UCE6UFLy2JicKKU2bn7VF9dg
email sarahthressrealtor@gmail.com

Send us a text

What if securing affordable, comprehensive home insurance in Florida wasn't as impossible as it seems? Join us this week on "Come to Find Out" as we uncover the intricacies of the Florida insurance market with Brian and Kevin from Top Quote Insurance, and Chris from Search 2 Close Title Company. Experience firsthand insights into how Top Quote Insurance provides an extensive range of options for all property types, whether it's a mobile home or a luxury waterfront estate. Brian and Kevin passionately discuss their commitment to educating clients about proper coverage, moving beyond the misconception that the cheapest policy is always the best choice.

Curious about the future of Florida's insurance landscape? Kevin enlightens us with current market trends, shedding light on how companies like Heritage Insurance are resuming policy writing and Citizens Insurance is reducing its policy count. We navigate through the vital requirements for Florida homeowners, such as wind mitigation and flood insurance, and even speculate on how anticipated rate reductions could stabilize the market. This chapter is packed with valuable information, dispelling fears and providing a clear picture of how the market is evolving post-hurricanes and amidst ongoing fluctuations.

Finally, we shift our focus to the Florida housing market. Chris and our guests discuss how insurance requirements impact real estate trends, especially in regions like Cape Coral and Tampa Bay. From the necessity of wind mitigation and four-point inspections to the benefits of upgrading roofing components, we offer practical insights for homeowners looking to save on insurance costs. As we compare the differing market conditions between Florida and Ohio, we also express our heartfelt gratitude to our listeners. Don't forget to leave your reviews and share this episode to help us spread knowledge and support a well-informed community. Join us for this enlightening journey on "Come to Find Out"!

Top Quote Insurance:
https://www.instagram.com/topquote_insurance/
https://www.topquoteins.com/about-us

Search2Close
https://www.instagram.com/search2close/
https://www.search2close.com

Sarah Thress
614-893-5885
Instagram https://www.instagram.com/sarah_thress_realtor/
Facebook https://www.facebook.com/SarahThressRealtor/
YouTubehttps://www.youtube.com/channel/UCE6UFLy2JicKKU2bn7VF9dg
email sarahthressrealtor@gmail.com