Most investors underestimate how powerful consistent, uninterrupted returns can be. In this solo episode, Ron Phillips breaks down the “Rule of 72” and explains how even small differences in annual returns can dramatically accelerate your wealth. Learn how stacking real estate’s four key returns, cash flow, appreciation, principal reduction, and tax benefits, creates compounding growth that beats traditional investments over time.

WHAT YOU’LL LEARN FROM THIS EPISODE

• 4 types of real estate returns that work together to build wealth
• How compounding and uninterrupted returns multiply your investment results
• A simple way to calculate how fast your money doubles
• Why even small appreciation rates can lead to double-digit overall returns
• The power of assets that create more assets through reinvestment

RESOURCES MENTIONED IN THIS EPISODE

• #343 How to Legally Avoid Taxes and Pass Down Millions Using 1031s with Daniel Osman, CPA

CONNECT WITH US:

• If you need help with anything in real estate, please email invest@rpcinvest.com
• Reach Ron: RP Capital
• Leave podcast reviews and topic suggestions: iTunes
• Subscribe and get additional info: Get Real Estate Success
• Facebook Group: Cash Flow Property Facebook Community
• Instagram: @ronphillips_
• YouTube: RpCapital
• Get the latest trends and insights: RP Capital Newsletter

Every week, new headlines and charts make real estate look either like it’s about to skyrocket or crash and burn. In this episode, Ron Phillips unpacks the fearmongering and cherry-picking in foreclosure, mortgage rate, and net worth data. He explains why context matters, how to read beyond the graphs, and where the truth usually lies somewhere in the middle. Instead of falling for polarized narratives, Ron shows how to focus on fundamentals and long-term investing strategies that stand the test of time.

WHAT YOU’LL LEARN FROM THIS EPISODE

• What 2025 foreclosure filings compared to 2009 reveals the real context

• The truth about sub-3% and 6%+ mortgages and why those charts mislead

• Why NAR’s renter vs homeowner net worth comparison leaves out critical data

• How to ask the right questions when reviewing market graphs and headlines

• The one truth that always holds: long-term fundamentals outperform the hype

CONNECT WITH US:

• If you need help with anything in real estate, please email invest@rpcinvest.com

• Reach Ron: RP Capital

• Leave podcast reviews and topic suggestions: iTunes

• Subscribe and get additional info: Get Real Estate Success

• Facebook Group: Cash Flow Property Facebook Community

• Instagram: @ronphillips_

• YouTube: RpCapital

• Get the latest trends and insights: RP Capital Newsletter

Confusion about interest rates and lending is everywhere, and too many investors end up making costly mistakes. In this episode, Ron Phillips breaks down how mortgage rates really work, why the Fed doesn’t directly control them, and how layers of middlemen can quietly inflate your loan costs. He shares practical strategies for comparing lenders, understanding par rates, and avoiding unnecessary fees so you can secure better financing for your investments.

WHAT YOU’LL LEARN FROM THIS EPISODE

• Why mortgage rates don’t move in lockstep with Fed rate cuts
• The role of the 10-year Treasury in real estate lending
• How extra layers of middlemen drive up par rates and fees
• Par rate: What it means and how to use it when comparing lenders
• How different investors and programs impact loan terms and buy downs
• Key reasons why cutting out waste in lending can save you about 1% on your rate

CONNECT WITH US:

• If you need help with anything in real estate, please email invest@rpcinvest.com

• Reach Ron: RP Capital

• Leave podcast reviews and topic suggestions: iTunes

• Subscribe and get additional info: Get Real Estate Success

• Facebook Group: Cash Flow Property Facebook Community

• Instagram: @ronphillips_

• YouTube: RpCapital

• Get the latest trends and insights: RP Capital Newsletter