✨ Join Host Natalie Salens on Mortgage on My Mind as she chats with Sohail Sadeghi, founder and principal of Atlantis Tax Group and Financial Services.

🎙 In this episode, you'll learn:

✔️ How short-term rentals can provide potential tax benefits

✔️ When an S Corporation may make sense

✔️ What high-income earners should know about tax planning

✔️ How real estate professional status can affect passive income

✔️ Why proper bookkeeping matters

✔️ Why separating business and personal finances is important

✔️ How cost segregation can accelerate depreciation

✔️ Why tax planning should happen throughout the year instead of waiting until tax season

🎧 HOSTED BY: Natalie Salens 👤 GUEST: Sohail Sadeghi – Founder & Principal, Atlantis Tax Group and Financial Services

💡 If you're a high-income earner, business owner, or real estate investor looking for a better understanding of tax planning, this episode is for you.

_____________

👉🏻 CONNECT WITH Sohail Sadeghi:

• Website: https://atlantistaxgroup.com/

• Facebook: https://www.facebook.com/people/Atlantis-Tax-Group-Financial-Services/61561682833674/

• Instagram: https://www.instagram.com/atlantistaxgroup/

• LinkedIn: https://www.linkedin.com/company/atlantis-tax-group

👉🏻 CONNECT WITH NATALIE SALENS:

• Youtube: https://www.youtube.com/@MortgageOnMyMind

• Spotify: https://open.spotify.com/show/3o1mfv7P2hpHQxNaiarM32

• Apple: https://podcasts.apple.com/us/podcast/mortgage-on-my-mind/id1795672357

🛠️ Can California build its way out of the housing shortage? Real estate veteran Jim Osterling joins host Natalie Salins on Mortgage on My Mind to break down state zoning updates, ADU expansions, and new housing models.

In this episode, Jim shares real-world lessons from his projects, including 100% affordable studio housing in Pasadena and innovative duplex ADUs in Cathedral City.

🎙 What you'll learn:

✔️ Housing Supply: Root causes behind California's multi-million unit shortage

✔️ Financing Rules: Why adding a 5th unit shifts loans from residential to commercial

✔️ Zoning Updates: The real-world impact of SB 9 duplexes and SB 1123 townhomes

✔️ Infill Projects: Pasadena affordable studios and Cathedral City duplex ADUs

🎧 HOSTED BY: Natalie Salins

👤 GUEST: Jim Osterling – Founder & Principal, Bridge Realty Advisors

Jim Osterling is the Founder of Bridge Realty Advisors with 46 years of real estate industry experience, including previous roles as CFO for California Pacific Homes and Shea Homes. A former Adjunct Professor at USC, he specializes in real estate development, advisory services, and financial strategy across residential and commercial sectors. .

_____________

👉🏻 CONNECT WITH JIM OSTERLING:

• Email: jimo@bridgeadvisorsllc.com

• Website: http://bridgeadvisorsllc.com/about-us

• LinkedIn: https://www.linkedin.com/in/jim-osterling-2191515/

👉🏻 FOLLOW NATALIE SALINS – MORTGAGE ON MY MIND:

• Website: https://movement.com/lo/natalie-salins

• Facebook: https://www.facebook.com/natalie.salins/

• Instagram: https://www.instagram.com/natalie_salins/

• LinkedIn: https://www.linkedin.com/in/natalie-salins-1029583b

Don’t forget to LIKE 👍 SUBSCRIBE 🔔 COMMENT 💬 below!

💎 Produced by Icons of Real Estate https://iconsofrealestate.com/

⭐ Uncover the truth about FHA financing with veteran lender and underwriter Jeff Scott and host Natalie Salins.

Jeff breaks down common myths, showing how repeat buyers use FHA loans for multi-unit properties with 3.5% down, and how Single Unit Approvals (SUA) save condo deals stuck in HOA red tape.

🎙 What you'll learn:

✔️ FHA vs. conventional loan cost comparison

✔️ Purchasing 2-unit properties with only 3.5% down

✔️ Bypassing strict condo HOA rules with Single Unit Approvals

✔️ Cash-out refinance solutions for credit scores down to 500

🎧 HOSTED BY: Natalie Salins

👤 GUEST: Jeff Scott – Senior Loan Officer & Branch Manager | ARBOR Financial Group

Jeff Scott is a premier Senior Loan Officer with Arbor Financial Group in Valencia, California. An FHA DE Underwriter with extensive experience across sales, operations, and underwriting, he has successfully navigated multiple market cycles. Today, Jeff utilizes his forensic knowledge of lending guidelines and advanced financial strategy to help families, luxury homebuyers, and first-time buyers achieve their real estate goals across the state.

📌 Whether you are navigating credit recovery or planning your next property purchase, this conversation gives you actionable tools to make confident mortgage choices.

_____________

👉🏻 CONNECT WITH JEFF SCOTT

• Email: jeffscott@arborfg.com

• Website: https://arborfinancialgroup.net/loan-officer/jeff-scott/

• LinkedIn: https://www.linkedin.com/in/jeffscott4loans/

• Facebook: https://www.facebook.com/jeffscottARBOR/

• Instagram: https://www.instagram.com/jeffscott4loans/

👉🏻 FOLLOW NATALIE SALINS – MORTGAGE ON MY MIND:

• Website: https://movement.com/lo/natalie-salins

• Facebook: https://www.facebook.com/natalie.salins/

• Instagram: https://www.instagram.com/natalie_salins/

• LinkedIn: https://www.linkedin.com/in/natalie-salins-1029583b

Don’t forget to LIKE 👍 SUBSCRIBE 🔔 COMMENT 💬 below!

💎 Produced by Icons of Real Estate https://iconsofrealestate.com/

🏠 Want to buy your ideal retirement home years before you retire?

Host Natalie Salins sits down with personal finance coach Kathy Cuevas to discuss smart real estate investments and wealth-building strategies.

Kathy shares her journey from high school financial literacy teacher to owning multiple rental properties, offering actionable advice on 1031 exchanges, navigating bidding wars, and offloading underperforming assets.

🔑 Key topics in this episode:

• Why buying your retirement home early as a rental saves thousands

• Strategies to win competitive single-story property bids

• Recognizing when to sell underperforming rental investments

• How to structure finances for early retirement peace of mind

_____________

🎧 HOSTED BY: Natalie Salins

👤 GUEST: Kathy Cuevas | Personal Finance Coach & Founder of Financial Freedom Pathway

Kathy Cuevas is a personal finance coach and the founder of Financial Freedom Pathway, dedicated to helping women master their money, eliminate debt, and build lasting wealth. Drawing on a 20-year career as a financial literacy teacher and her own real-world investing experience, she provides personalized, one-on-one coaching to help clients transform financial overwhelm into clarity and confidence.

_____________

👉🏻 CONNECT WITH KATHY CUEVAS – FINANCIAL FREEDOM PATHWAY:

• Website: https://www.financialfreedompathway.us/

• LinkedIn: https://www.linkedin.com/in/kathycuevas/

• Instagram: https://www.instagram.com/financial.freedom.pathway/

• Facebook: https://www.facebook.com/1FinancialFreedomCoach/

👉🏻 FOLLOW NATALIE SALINS – MORTGAGE ON MY MIND:

• Website: https://movement.com/lo/natalie-salins

• Facebook: https://www.facebook.com/natalie.salins/

• Instagram: https://www.instagram.com/natalie_salins/

• LinkedIn: https://www.linkedin.com/in/natalie-salins-1029583b

Don’t forget to LIKE 👍 SUBSCRIBE 🔔 COMMENT 💬 below!

💎 Produced by Icons of Real Estate https://iconsofrealestate.com/

💻 AI isn't just another productivity tool, it can become your most valuable employee!

Discover how AI and automation are changing the way entrepreneurs, real estate professionals, and business owners work.

In this episode of Mortgage On My Mind, Natalie sits down with Neal to explore how AI has evolved from simple chatbots into intelligent agents capable of automating workflows, managing repetitive tasks, and even helping anyone build personalized software – without writing code!

🎙 WHAT YOU'LL LEARN

✔️ How to move beyond basic prompts with Custom GPTs

✔️ How AI agents can automate repetitive tasks around the clock

✔️ Ways to build personalized software without programming experience

✔️ How AI can streamline marketing, communication, and business operations

✔️ Why AI is becoming a competitive advantage for entrepreneurs and real estate professionals

_____________

🎧 HOSTED BY: Natalie Salins – Top 1% Movement Mortgage loan officer with 20 years of experience helping Los Angeles-area buyers navigate California home loans.

👤 GUEST: Neal Bawa – Founder & CEO of Grocapitus, Mission 10K, and Multifamily University; commercial real estate investor, technologist, and data scientist.

Neal Bawa is the CEO of Grocapitus, Mission10K, and MultifamilyU and is widely known as the “Mad Scientist of Multifamily.” He manages a large multifamily real estate portfolio across multiple U.S. markets and is recognized for his data-driven approach to real estate investing and market analysis. Neal is also the author of Location Magic and Profit with a Purpose and frequently speaks about the role of data and AI in real estate investing.

_____________

👉🏻 CONNECT WITH NEAL BAWA AND HIS COMMUNITY:

• Grocapitus Website: https://www.grocapitus.com

• Free eBook - Location Magic: https://multifamilyu.com/lp/location-magic-ebook/

• Investor Club: https://multifamilyu.com/club

• LinkedIn: https://www.linkedin.com/in/neal-bawa/

• Instagram: https://www.instagram.com/nealbawa/

• Facebook: https://www.facebook.com/NealBawaMFU/

👉🏻 FOLLOW NATALIE SALINS – MORTGAGE ON MY MIND:

• Website: https://movement.com/lo/natalie-salins

• Facebook: https://www.facebook.com/natalie.salins/

• Instagram: https://www.instagram.com/natalie_salins/

• LinkedIn: https://www.linkedin.com/in/natalie-salins-1029583b

Don’t forget to LIKE 👍 SUBSCRIBE 🔔 COMMENT 💬below!

💎 Produced by Icons of Real Estate https://iconsofrealestate.com/

🚀 What exactly is title insurance, and why is it one of the most important parts of a real estate transaction? In this episode of Mortgage On My Mind, host Natalie Salins sits down with Jimmy Lewis, Co-Founder of TrueFocus Automation, to break down title insurance, vesting, preliminary title reports, liens, and the behind-the-scenes work that protects buyers and lenders. Jimmy also explains how AI-powered automation and software bots are helping title, mortgage, and real estate companies save time, reduce errors, and improve efficiency.

🎧 Hosted by: Natalie Salins

👤 Guest:🏡 Jimmy Lewis – Co-Founder, TrueFocus Automation

Jimmy Lewis is the co-founder of TrueFocus Automation, delivering RPA and AI workflow solutions for the title, mortgage, and real estate industries. Backed by 20+ years of operational experience, he has deployed over 840 bots, saving clients more than 1.3 million production hours.

💡 What You'll Learn:

✔️ What title insurance is and why every homebuyer should understand it

✔️ The difference between lender's and owner's title insurance

✔️ How vesting affects property ownership and estate planning

✔️ What a preliminary title report reveals before closing

✔️ How AI and automation are changing the title and mortgage industries

🎵 Whether you're an investor, agent, lender, or homebuyer, this episode offers valuable insights into protecting real estate transactions while exploring the future of automation in the industry!

💼 Connect with Jimmy Lewis:

🌐 Website → https://truefocusautomation.com/

🔗 LinkedIn → https://www.linkedin.com/company/truefocus/

🎙 Follow Natalie Salins – Mortgage On My Mind:

🌎 Website → https://movement.com/lo/natalie-salins

📘 Facebook → https://www.facebook.com/natalie.salins/

📷 Instagram → https://www.instagram.com/natalie_salins/?hl=en

🔗 LinkedIn → https://www.linkedin.com/in/natalie-salins-1029583b

🔖 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below!

💎 Produced by Icons of Real Estate – https://iconsofrealestate.com/

🚀 In this episode of Mortgage On My Mind, host Natalie Salins sits down with Nick Mathis, Senior Mortgage Consultant at FirstBank Home Loans, to discuss the growing trend of relocation, especially from California to Texas. They explore how remote work has reshaped where people choose to live, the financial trade-offs of moving to a lower-cost state, and the mortgage guidelines buyers need to understand before relocating. Whether you're moving for affordability, lifestyle, or career opportunities, this conversation is packed with practical advice to help you navigate the home financing process with confidence.

🎧 Hosted by: Natalie Salins

👤 Guest:🏡 Nick Mathis – Senior Mortgage Consultant, FirstBank Home Loans

Nicholas "Nick" Mathis is a Senior Mortgage Consultant with First Bank Home Loans serving the Dallas-Fort Worth Metroplex. Active in the industry since 2005, he leverages his background in processing leadership to engineer creative solutions for complex loan files. He prioritizes transparency, timely communication, and client education to guide buyers through a seamless home financing process.

💡 What You’ll Learn:

✔️ How remote work has changed relocation trends across the U.S.

✔️ The real financial pros and cons of moving from California to Texas

✔️ Why affordability isn't just about the home's purchase price

✔️ Mortgage requirements for buyers relocating to another state

✔️ How lenders evaluate remote workers, self-employed borrowers, and commissioned professionals

🎵 Whether you're an investor, agent, or homebuyer, this episode offers valuable insights!

💼 Connect with Nick Mathis:

🌐 Website → http://dfwmortgageman.com/

📸 Instagram → https://www.instagram.com/nickwmathis/

📘 Facebook → http://facebook.com/dfwmortgageman/

🎙 Follow Natalie Salins – Mortgage On My Mind:

🌎 Website → https://movement.com/lo/natalie-salins

📘 Facebook → https://www.facebook.com/natalie.salins/

📷 Instagram → https://www.instagram.com/natalie_salins/?hl=en

🔗 LinkedIn → https://www.linkedin.com/in/natalie-salins-1029583b

🔖 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below!

💎 Produced by Icons of Real Estate – https://iconsofrealestate.com/

🚀 In this episode of Mortgage On My Mind, host Natalie Salins sits down with Chris Kennedy, Partner at Reliant Lending and U.S. Navy veteran, to break down why VA loans remain one of the most powerful home financing options available. They discuss common misconceptions surrounding VA loans, the incredible benefits veterans often overlook, how entitlement works, financing multi-unit properties with zero down, refinancing through the VA IRRRL program, and practical strategies to help veterans win competitive offers. Chris also shares an insider tip about the NPMA-33 form that can help overcome one of the biggest obstacles in VA transactions.

🎧 Hosted by: Natalie Salins

👤 Guest:🏡 Chris Kennedy – Partner at Reliant Lending | Mortgage Broker | U.S. Navy Veteran

Chris Kennedy is a partner at Reliant Lending, an independent mortgage brokerage in Sacramento. A U.S. Navy veteran with over 25 years of industry experience, he specializes in diverse loan programs to guide clients toward confident financial decisions. He is also the founder of Sacramento Business Builders, a local professional networking group.

💡 What You’ll Learn:

✔️ Why VA loans are considered the best mortgage program available for eligible veterans

✔️ How VA entitlement works and how veterans can own multiple homes using VA benefits

✔️ Common myths listing agents have about VA loans—and why they're wrong

✔️ The advantages of VA refinancing through the IRRRL program

✔️ Insider strategies to make VA offers stronger in competitive real estate markets

🎵 Whether you're a veteran, real estate professional, lender, or homebuyer, this episode offers valuable insights into maximizing VA home loan benefits!

💼 Connect with Chris Kennedy:

🌐 Website → https://www.thechriskennedyteam.com/

📸 Instagram → https://www.instagram.com/thechriskennedyteam/

📘 Facebook → https://www.facebook.com/TheChrisKennedyTeam

🔗 LinkedIn → https://www.linkedin.com/in/chriskennedy695

🎙 Follow Natalie Salins – Mortgage On My Mind:

🌎 Website → https://movement.com/lo/natalie-salins

📘 Facebook → https://www.facebook.com/natalie.salins/

📷 Instagram → https://www.instagram.com/natalie_salins/?hl=en

🔗 LinkedIn → https://www.linkedin.com/in/natalie-salins-1029583b

🔖 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below!

💎 Produced by Icons of Real Estate – https://iconsofrealestate.com/