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In this enlightening conversation with loan officer and branch manager Juan Arce of Geneva Financial, we peel back the layers of what makes real estate truly transformative—both as an investment vehicle and as a life-changing path to financial freedom.

Juan's approach to mortgage lending stands in stark contrast to the transactional nature that dominates the industry. "It shouldn't be transactional, because our customers end up becoming our friends," he explains, sharing how he prioritizes education and relationship-building over quick closings. This philosophy has enabled him to develop systems that not only close deals quickly but ensure clients understand every step of their homebuying journey.

The episode unveils powerful investment strategies that many don't know exist. The DSCR (Debt Service Coverage Ratio) loan program emerges as a game-changer for self-employed individuals and business owners. Unlike traditional mortgages that scrutinize personal income, DSCR focuses solely on the property's rental income potential. "We don't have to look into your income," Juan reveals. "All you need is 20% down and a credit score of at least 660." This opens doors for investors whose tax returns might not reflect their true financial capacity.

Perhaps most surprising is Juan's counterintuitive advice on timing the market: "The best time to buy a house is when the rates are high." While many wait for interest rates to drop, Juan explains that higher rates create a slower market where buyers can negotiate better prices and seller concessions—factors that can't be changed later, unlike interest rates which can be refinanced when they eventually drop.

Beyond investment strategies, the conversation takes a deeply personal turn as both men discuss the importance of work-life balance and creating meaningful legacies. "In the blink of an eye, your son, your daughter are going to be 10, 15... and that is too late," Juan reflects, emphasizing that true wealth encompasses more than just financial assets.

Whether you're a first-time homebuyer, seasoned investor, or someone looking to understand the fundamentals of building wealth through real estate, this episode delivers practical wisdom that could change not just your investment strategy, but your approach to life's most valuable asset—time.

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From a fifth-grade penny drive to save the rainforest to creating a platform that celebrates Arizona's most impactful charitable organizations, Liz's journey with the Arizona Nonprofit Awards represents the power of combining marketing expertise with community passion.

The Arizona Nonprofit Awards addresses a critical gap in the nonprofit ecosystem - while organizations may excel at their missions, they often lack the marketing resources to gain visibility and attract supporters. This innovative program provides free on-site visits and professional video content for participating nonprofits, creating valuable assets that showcase their work, amplify their message, and connect them with potential donors.

At the heart of this initiative is a community-driven approach to philanthropy. Rather than decisions made behind closed doors, the awards program empowers Arizona residents to nominate and vote for organizations making meaningful differences in their communities. This public engagement not only determines which nonprofits receive significant financial support - including a $10,000 grand prize for Nonprofit of the Year - but also raises awareness about vital services available throughout the state.

"People trust people more than they trust entities," Liz shares, highlighting the importance of authentic storytelling in nonprofit marketing. By putting faces to missions and creating personal connections between organizations and supporters, the program helps charities develop sustainable relationships with their communities. The initiative's guiding philosophy - "uplifting those who uplift others" - extends beyond the awards ceremony to include plans for educational workshops, networking opportunities, and ongoing support.

Want to be part of this movement transforming Arizona's nonprofit landscape? Whether you're looking to nominate a deserving organization, become a sponsor, or simply learn more about the incredible work happening in your community, visit AZNonprofitAwards.org today. Nominations open this summer, with winners to be celebrated at a gala event this fall.

More information in their official website:

https://aznonprofitawards.org/

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From a construction site to Hollywood's most glittering red carpets, Luis Medina's extraordinary journey captivates and inspires. This Mexican immigrant who once worked 60-hour weeks in warehouses now films premieres for Disney, Marvel, and Lucasfilm, standing shoulder to shoulder with stars like Diego Luna and capturing moments in James Cameron's private studio.

What makes Luis's story particularly powerful is his transformation from self-taught videographer to trusted creative partner for Hollywood's biggest studios. When that first email from Disney arrived in his inbox, he dismissed it as a scam. Days later, realizing it was legitimate, he launched into a whirlwind career that would take him across the globe, filming premieres in South Korea and working alongside cinema's elite. His revelation that Disney's vice president had been quietly observing his work ethic during his first assignment perfectly captures his philosophy: "You never know who's watching, so always give everything you've got."

Beyond his personal success, Luis has created "Us Creators," a community supporting fellow videographers and content creators who think "outside the sphere." His dedication to uplifting others stems from his own experience of working construction jobs while teaching himself videography through YouTube tutorials. The authenticity and cultural pride he brings to his work have opened doors not just for himself, but potentially for an entire generation of Latino creators.

Perhaps most moving is Luis's commitment to breaking generational patterns through active fatherhood. "Being a dad is one thing, but being a father is another thing. Being there is one thing, but being present is something else." His determination to provide both financial stability and emotional presence for his family represents a powerful reimagining of success. Ready to be inspired to create beyond boundaries? Listen now and discover what happens when persistence meets opportunity.

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