Fulford Lending

With the United States pinned to fund the world, who will fund the United States?

This is your pilot speaking, we are at an astonishing altiude of over 35 trillion. The bad news is, we're out of fuel.

Through the lens of satire, we are beckoned to question the wisdom of embracing economic models that seem more concerned with ideological purity than with practical outcomes.

Join us as we unravel the consequences of short-sighted economic strategies on the standard of living, the distribution of wealth, and the future of the middle class, emphasizing the need for a thoughtful reassessment of our immigration and welfare policies to foster sustainable growth and equitable prosperity.

Historical precedents affirm that economies thrive when there's a strong linkage between purchasing power and production. A departure towards redistribution without corresponding productivity can lead to inflationary pressures, economic instability, and societal distress.

In today's episode, we delve into a critical and timely issue – the U.S. national debt surpassing the staggering figure of $34 trillion. This momentous yet unsettling milestone presents an opportunity to explore the ironies and complexities of our nation's financial management.

Today's episode is a critical examination of America's burgeoning debt crisis, where astronomical figures like $211.6 trillion are becoming the norm. We'll analyze how this massive debt is not just a number but a reflection of deeper economic challenges, including Medicare and Social Security liabilities. Discover how this debt influences inflation and everyday costs, making a tangible impact on our lives.

Today, we analyze the US Debt Clock as of December 20, 2023, to uncover alarming insights about the national economy. Despite a seemingly impressive GDP of $27.8 trillion, the details indicate a troubling economic trajectory, with a debt-to-GDP ratio of 135%. We delve into the composition of the workforce, government spending patterns, and the shift from a production-driven economy to one reliant on consumption and borrowing.

From 2000 to 2023, the U.S. population saw a 19% increase, yet workforce absorption and median income growth lagged far behind, revealing concerning economic trends. We delve deep into how these numbers have influenced the erosion of the middle class, as housing costs have soared disproportionately compared to income.

In this video, we'll break down the staggering numbers: from the debt-to-GDP ratio skyrocketing to 122% to the average debt per citizen and taxpayer. It's more than just figures; it's about understanding the gravity of the situation.

Discover the truth about broker commissions, avoid misleading claims, and understand the crucial relationship between you and your lender.

This video dives into the complexities of asset valuation in the wake of recent economic shifts, particularly during and after the pandemic. We'll examine how measures like rent moratoriums, monetary injections, and low interest rates have unexpectedly affected the value of real estate assets. From the surplus of vacant office spaces due to remote work to the nuanced changes in the housing market, we explore how these factors have led to a reassessment of what properties are worth.

Join us as we address the critical role of fiat currency in shaping economic frameworks and investment strategies. Understand the distorted wealth perceptions and the implications for real estate and business ventures.

Drawing from family wisdom and historical events, we explore the tangible impact of high interest rates on the real estate market and why grounded evaluations matter in today's loan applications.

Dive into a unique scenario in today's real estate market where low-rate mortgages become more valuable than the properties themselves. Learn how this affects investment strategies and the reluctance to sell assets.

Dive into the real-life saga of a house flip gone wrong. Discover the critical importance of due diligence and the risks of mismanaged funds in this candid storytelling session from a lender's perspective. Whether you're an investor, a flipper, or just curious about the intricacies of bridge loans, there's a lesson here for everyone.

In the world of private lending, trust is a currency. But what happens when trust is misplaced? Today, I share a real-life lending story that highlights the essence of due diligence and the risks of unchecked trust.

Lending is not always about saying 'yes.' Sometimes, the best decision is a hard no. Watch to find out why we declined an additional loan for a business venture and the aftermath of that decision.

Sharing a real estate lending lesson and a little bit about myself. I guess the over all theme is, you never stop learning.

A no-nonsense look at what taking out a loan really means, how the economy affects your borrowing choices, and why it's essential to think twice before diving in.

Dealing with loan defaults, It's more than just a missed payment. Dive into the nitty-gritty of what happens when borrowers can't stick to their end of the deal and how lenders respond to keep things afloat.

Here's a quick look at what bridge funding really means, why it's not just "free money," and things you should think about before diving in.

When it comes to hard money lending, not all equity is equal. Dive into the reasons why a significant equity position in a single property often holds more value for lenders than scattered equity across multiple properties, and how this impacts loan acquisition.