On this episode of Mortgage Cowboys, Mark and Todd dive into a wide variety of subjects with Omar Rosas, a personal coach from California. Omar explains modern health tools like peptides, talks about his background, and shares his biggest gym pet peeves. This conversation goes all over the place, so be sure to tune in!

00:00 Welcome

02:40 Typical Client Goals

05:29 Peptides and Revenue Streams

08:11 Peptides Explained Simply

12:22 Blood Work and Safety

14:00 Common Peptides and Risks

20:07 How Omar Got Started

25:57 What Omar Uses Now

30:35 Delivery Methods and Half Life

36:01 Peptides Success Story

39:18 Sleep Recovery Basics

42:00 GLP-1 Food Noise

44:21 Gym Mirror Flexing

47:32 Filming Gym Etiquette

53:12 Crocs and Pajamas

01:01:57 Tesla Upgrade Story

01:07:04 Cybertruck Hot Takes

01:12:17 Supercar Goals

01:14:09 Rock Bottom Turnaround

01:22:30 Movies Music And Culture

01:26:56 Where To Find Omar

In this episode of Mortgage Cowboys, Mark and Todd catch up on life and business updates. Tune in to hear about Mark’s floating deck project, an absurd call to the vet, Home Depot equipment rental disputes, a big business move, and so much more. 00:00 Show Intro03:07 Deck Build Updates03:41 Home Depot Rental Rant08:14 Dog Story13:51 Career Moves Update18:07 Gym Journey Reset20:18 Workout Benefits Mindset24:44 Smart Rest Week Strategy26:03 Rates Reality Check28:11 Digital HELOC Gamechanger32:55 Condo Warrantability Win35:19 Future Of Digital Lending37:25 Wrap Up

On this Episode of Mortgage Cowboys, Mark and Todd interview Justin Thomas, the founder of Better Man Beard, a Boise-based Beard Care Company. The guys learn some beard care tips, chat about Justin’s career arc, discuss operating a small business in Boise, and have a great time getting to know Justin.

00:00 Show Intro and Guest

00:27 Better Man Beard Origin

02:48 From Hobby to Markets

04:13 Wall Street Trading Days

08:47 Oil Markets and 9/11

12:54 Beard Care Basics

14:29 Scents and Balm Demo

23:11 Combs and Exfoliation

24:40 Balm vs Oil Routine

26:25 Trimming Tips No Shave

30:55 Finding A Local Barber

33:57 Beard Length And Trim Tips

38:35 New Scents And Production Setup

40:31 Retail Expansion And Scheels Deal

44:36 Wild Event Booth Stories

48:44 Where To Buy And Best Sellers

51:14 Beard Season And Growth Advice

57:08 Idaho Growth And AI Debate

01:07:20 Robots Jobs And The Future

01:12:54 Boise Restaurant Picks

01:14:02 Travel Life and Rescue Dogs

01:15:36 Idaho Outdoors and Elk Tag

01:16:34 Learning AI Through Podcasts

01:19:59 Better Man Beard Pitch

01:21:57 Beard Routine and Castor Oil

01:24:50 Better You Botanicals Origins

01:29:44 How the Products Are Made

01:32:35 Shelf Life and Inventory

01:35:38 Using AI to Scale Business

01:39:05 Logo Story and Merch

01:41:57 Scent Names and Wife Approved

On this Episode of Mortgage Cowboys, Mark and Todd begin the conversation catching up on 2026 market volatility. Next, the boys explain how inflation, treasuries, and mortgage rates often move inversely and why consumer sentiment and uncertainty affect real estate activity. Finally, they highlight some misconceptions about modern home financing.

00:00 Market Chaos Check In

01:11 Rate Bet Gone Wrong

03:10 Inflation And Mortgage Rates

04:42 Buyer Confidence And Uncertainty

07:27 Rate Hype And Agent Spin

08:54 Stop Waiting For Perfect

09:40 Rates Vs Home Prices Reality

12:22 Refinance Later Buy Now

12:49 20 Percent Down Myth

14:45 PMI Credit Score Strategy

17:08 Choosing The Right Loan

20:36 Look Beyond The Rate

22:23 Why Rates Rise Faster

23:39 Final Thoughts And Contact

In this episode of Mortgage Cowboys, longtime behind-the-scenes producer Sean finally gets in front of the camera to talk about his unconventional path into video production, building a career without finishing college, and what it's like trying to figure out adulthood as a 26-year-old in a world that constantly makes you feel behind.

00:00 – Welcome to Mortgage Cowboys

00:55 – How Sean Got Into Podcasting

02:00 – Learning Production Without Going to School for It

04:00 – The Job Sean Knew He Had to Leave

05:30 – How Sean Got His Start at the Podcast Studio

08:00 – Why Gen Z Still Has to Start at the Bottom

09:00 – Dropping Out of College During COVID

10:00 – Finding Work You Actually Enjoy

13:00 – Moving From California to Boise

16:00 – What Boise's Growth Looks Like to a California Transplant

19:00 – Does Gen Z Have a Work Ethic Problem?

20:00 – The First Generation Raised With Smartphones

21:00 – How Social Media Makes You Feel Behind

23:00 – What Instant Gratification Has Done to Us

24:00 – Are Younger Generations Losing Communication Skills?

27:00 – AI, Convenience and the Loss of Critical Thinking

34:00 – Why We May Crave Human Creativity Again

35:00 – Can AI Ever Replace the Human Creative Process?

43:00 – The Wildest Podcasts Sean Has Produced

47:00 – The Craziest Story He Heard Behind the Camera

49:00 – Why Going to the Movies Still Matters

54:00 – Original Movies vs. AI-Generated Content

55:00 – How YouTube Creators Are Breaking Into Hollywood

57:00 – Why Hollywood Keeps Repeating the Same Cycle

59:00 – Is AI a Threat to Filmmaking?

01:02:00 – Sean's Top 3 Movies

01:04:00 – Sean's Top 3 Bands

01:13:00 – Everyone's First Concert

01:15:00 – Every Generation Thinks Culture Is Falling Apart

01:16:00 – Sean Announces He's Leaving the Studio

On Season 2 Episode 4 of Mortgage Cowboys, the guys discuss how extreme the COVID housing market became, today’s housing market, mortgage rates, affordability, and what would realistically need to happen for home prices to fall significantly.Subscribe to the channel and share your thoughts in the comments.

00:00 COVID Listing Frenzy

01:18 Free Money Warning Signs

02:33 Rates Down Prices Up

06:32 Why Today Feels Healthier

09:31 Stagnant Prices New Normal

12:03 Will Boise Hit A Million

15:57 Stop Hyping Rate Moves

22:42 Crash Talk And AI Fears

25:36 Young Buyers Getting Squeezed

27:06 Starter Home Reality Check

28:01 Luxury Rentals and Missing Middle

28:58 What Counts as Starter

29:50 Income vs Home Price Gap

30:40 Investors and Market Myths

34:45 Builder Rentals and Pipelines

36:39 CBH Pros Cons and Quality

39:52 Favorite Builders and Finishes

42:45 Idaho Growth and Migration

45:15 Locals vs Newcomers Tension

50:46 Realtor Identity Crisis

52:00 Why Realtors Get Hate

53:16 Business Mindset Over Status

54:17 Influencer vs Realtor Label

58:53 Referrals and Fair Tradeoffs

01:04:03 Paid Leads and Zillow Debate

01:08:31 AI Won’t Replace Agents

01:10:49 Go Old School Relationships

01:14:06 Wrap Up and Farewell

Listen here: https://creators.spotify.com/pod/profile/mortgagecowboys/

Produced in partnership with SB Studios.

Start Your Podcast Today Here: https://www.sbstudios.co

In season 2 episode 3 of Mortgage Cowboys, Tanner Helm and Tim Smith join the conversation to break down why so many real estate agents stay busy without ever creating a consistent, repeatable business. From prospecting and social media to commissions, referrals, client service, and profitability, this episode gets into what actually separates productive agents from everyone else

00:08 – What happened when Tanner started posting every day

00:09 – Going from 10–15 deals to 25–30 deals

00:16 – Does business coaching actually work?

00:28 – Tanner’s advice for brand-new real estate agents

00:30 – Why more conversations create more business

00:35 – Using social media as a prospecting system

00:38 – Turning social media attention into actual clients

00:49 – Referrals, visibility, and staying top of mind

00:56 – The problem with real estate’s low barrier to entry

01:05:00 – Why agents have to earn their commission

01:09:00 – Bad agents giving away their clients’ leverage

01:19:00 – What makes a Realtor worth 3%?

01:20:00 – Discount brokers, AI, and the race to the bottom

01:24:00 – Why successful agents don’t have to discount

01:30:00 – Selling more homes doesn’t mean making more money

Home inspections can protect buyers from expensive surprises; but rushed inspection deadlines, hidden defects, and assumptions about new construction can make the process more complicated than most people realize.

On season 2 episode 2 Mortgage Cowboys, Mark and Todd sit down with Chase Kerr of Morrison Plus Property Inspections to break down what professional home inspectors actually find, why new construction still deserves an inspection, and why extremely short inspection contingencies can create unnecessary chaos during a real estate transaction.

00:00 –Welcome to Mortgage Cowboys

04:00 – Leaving corporate sales to start a business

05:00 – The stranger who convinced Chase to become an owner

07:45 – Why franchising can reduce the risk of starting a business

14:35 – Home inspections, sewer scopes, drones, mold, and radon

18:10 – Trying to buy a home with no money down

28:15 – The worst things home inspectors find

30:05 – Why Chase refuses inspections on former drug houses

31:00 – Hundreds of razor blades hidden inside a wall

33:35 – A working toilet hidden inside a crawl space

35:00 – The Boise crawl space turned into a shooting range

36:10 – Why homeowners should get preventative inspections

37:30 – Why sellers should consider a pre-listing inspection

40:00 – How homeowners become “nose blind” to problems

43:05 – Why new construction still needs an inspection

50:00 – The aging workforce creating opportunity for young inspectors

57:15 – The owner-operator trap in real estate businesses

1:03:40 – “Would you buy this house?”

1:08:00 – The problem with rushing real estate transactions

1:15:10 – Why the home inspection should often happen first

1:18:00 – How to connect with Morrison Property Inspections