Homes and Homies Podcast: Real Estate, Mortgage, and Insurance Chat + Ghost Pepper Challenge!
Welcome back to the Homes and Homies Podcast, where we delve into all things real estate, mortgage, and insurance while indulging in some epic culinary adventures! 🏠🌮🔥
In this spicy episode, our hosts explore the world of unusual popcorn flavors, dive into mouth-watering barbacoa tacos, and take on the ultimate challenge with the hottest hot sauce known to man – the infamous Ghost Pepper! 🌶️🔥
Join us as we brave the Scoville scale, discussing the intensity of the Bhut Jolokia pepper and its mind-blowing Scoville rating. From ghost peppers' scorching heat to its tongue-tingling scoville units, we're diving deep into the fiery world of spice! 🌶️🔥
But the heat doesn't stop there! We answer burning questions about barbacoa, exploring its traditional roots and settling the debate once and for all – is barbacoa made from cow tongue? 🐮🌮
Learn how to cook beef tongue Mexican style, discover the secrets behind lengua tacos, and uncover the delicious truth about this beloved Mexican delicacy. 🇲🇽🌮
Tune in for insightful discussions on real estate, mortgage, and insurance, spiced up with our adventurous culinary escapades. Whether you're a seasoned homeowner or navigating the world of mortgages, we've got you covered – with a side of spice! 🔥🏠
Don't miss out on the sizzling fun – hit that subscribe button and join the Homes and Homies community today! 🔥🎙️🏠
Here are the key takeaways from the podcast:
*Real estate agents are discussing common topics in the market including interest rates, lawsuits against agents, and how to buy a house with a low down payment.
*Buyers can still buy a house with a down payment as low as 3% with an FHA loan.
*Investors are looking for deals and may be able to negotiate seller-paid closing costs.
*Appreciation is when a house increases in value and depreciation is when it decreases in value. Over the long term, houses tend to appreciate.
*DSR loans are a type of non-qualified mortgage that do not require a credit check but instead focus on the debt-service coverage ratio of the property.
*Homeowners insurance may not cover everything. It's important to understand the caps on valuables and to consider a separate policy for expensive jewelry.
Chapters:
0:08 - 0:21 Intro
0:40 - 1:14 Market update - Interest rates down, buyer and seller activity picking up
1:40 - 2:01 Insurance update - rough market, potential for companies to start taking on properties again in Central Texas
2:50 - 3:02 Real estate update - odd market with mixed signals
3:20 - 3:39 Potential changes to real estate landscape and how agents present their compensation
5:04 - 5:58 Can you buy a house with $20,000? Down payment myths
5:58 - 6:34 Appreciation vs. paying down the mortgage
6:34 - 7:14 Investment opportunities - buying as an investor
7:56 - 8:20 Off-market deals and expired listings
8:47 - 9:20 Cash flow vs appreciation
9:20 - 9:38 Not looking for cash buyers
9:38 - 10:04 Tax write-offs and depreciation
10:04 - 10:22 Appreciation vs depreciation
11:13 - 12:12 DSR loans -for no income/credit check loans
12:12 - 12:57 Requirements and limitations of DSR loans
12:57 - 13:15 Non-qualified mortgages
13:15 - 13:46 DSR loans - risk vs reward
14:20 - 14:44 Risk involved in any investment
14:44 - 15:03 Renting vs. buying - opportunity cost
15:03 - 15:20 FHA loans - overcoming misconceptions about qualifications
15:20 - 15:55 Down payment misconceptions - using security deposit money for down payment
15:55 - 16:00 House hacking - to be discussed in a future episode
16:00 - 16:14 Insurance topics trending on Google
16:14 - 18:00 Does homeowners insurance cover lost jewelry? Importance of scheduled items and personal article floaters
27:26 Scam number one: AI phone call with voice replication
28:32 How to get around the scam: hang up and call the family member
28:46 Voice replication and impersonation
29:04 Story about Dr. Phil and voice impersonation
29:48 Scam number two: Pig Butchering Scam
31:15 The Corpse Flower: interesting but smelly flower
32:53 Scam number three: Fencing scam
34:03 The Gucci Queen scam: woman scammed the military
34:34 That Ain't Right
34:53 Popcorn flavors: watermelon, mango, and pineapple
36:35 Discussion about Barbacoa tacos: face meat or tongue?
38:07 Discussion about the quality of the tacos
38:46 Hot sauce challenge: Dave's Insanity Sauce, Carolina Reaper, Ghost Pepper, Scorpion Pepper
41:03 Chipotle red sauce being hot
43:56 Ghost pepper challenge and the one chip challenge
45:14 Cheeseburger in a tube, pumpkin spice Spam, whole alligator with head and feet
45:55 The world's most sour soda: Stang
47:18 Craft macaroni and cheese Gummy
#ghostpepper #scovillescale #scovillerating #spicyscale #ghostpepperscoville #ghostpepperscale #ghostpepperheat #bhutjolokia #scovilleunits #spicyfood #ghostpepperchallenge #barbacoa #cowtongue #beeftongue #mexicancuisine #tacosdelengua #mexicanrecipes #tonguerecipes #tacorecipes #mexicancooking #cookingtutorial #foodchallenge #hotpeppers #spicytacos
For All Your Insurance Needs Call @myinsurancegroup
Looking to start the home buying or selling process? Reach out to
@YourLocalHomeGroup
Choosing the best financing can be challenging but Mike at Thrive Mortgage can help make it an informed decision.
Music by :
United
Paul Werner
-
42:15
Andy Frisella
1 day agoThis Is The Price Of Reaching Your Goals - Ep 731 Q&AF
14.6K9 -
14:52
Fascinating Horror
1 day agoThe Bazar de la Charité Fire | Fascinating Horror
43.9K5 -
16:29
JoBlo Originals
22 hours agoWTF Happened to DAVID LETTERMAN?
23.8K17 -
9:39
Degenerate Jay
1 day ago $0.02 earnedThese Classic Marvel Superhero Games Are Back! - The Marvel Vs Capcom Fighting Collection
35.4K8 -
9:44
Hack
4 days agoDIY Cooling: Homemade Mini Heat Pump (-34°C!) DIY AC Air Cooler ❄️ || DIY Air Conditioner ❄️
36K10 -
2:22:09
Price of Reason
17 hours agoThe Acolyte Episode 5 REACTION, James Gunn Superman CRINGE? Stellar Blade is a HIT! w/ dreadroberts
23.1K -
1:37:16
Steve-O's Wild Ride! Podcast
1 day agoDr. Drew Tells Steve-O Good And Bad News - Wild Ride #221
55.7K11 -
58:07
The Why Files
1 day agoProject 8200 Exposed | CIA Psychics Find Alien Bases Underground
62.9K74 -
24:04
Stephen Gardner
12 hours ago🔴BREAKING: CNN Jake Tapper gets HORRIBLE NEWS | Trump SECRET PLAN outted!
65.5K164 -
1:35:18
Kim Iversen
14 hours agoAssange Is On US Soil, Is He Finally A Free Man? Kenyans Violently Protest After Being Declared “Major Non-NATO Ally”
96.1K126