In this short podcast, you discuss Fannie Mae and Freddie Mac’s 35th reperforming loan sale announced on September 10th. You explain what reperforming loan sales are, provide the loan package details (3,044 loans, ~$559M UPB, 3.71% average note rate), and comment on the pricing (85% of unpaid principal balance). You highlight how low the implied yield is compared to alternatives like Treasury bills, and note the market dynamics of institutional buyers acquiring these loans. The episode closes with your reflection that such deals are “insanity” but show the scale and appetite in the note-buying marketplace.

Chapter 1

0:07 – Introduction & Loan Sale Basics

You welcome listeners and introduce the news: Fannie Mae sold its 35th reperforming loan package. You explain what a reperforming loan sale is—bundling mortgages (many likely from the COVID era) and selling them to the open market.

Chapter 2

0:28 – The Numbers Behind the Deal

Details of the sale: 3,044 loans, $559 million unpaid balance, $183,000 average loan size, and 3.71% average note rate. The loans were sold at 85% of UPB, effectively giving buyers an average yield around 4–4.5%.

Chapter 3

0:52 – Market Insights & Closing Thoughts

You comment on how low the returns are compared to Treasury bills, calling it “insanity” but acknowledging a strong market for buyers of these assets. You highlight the scale of the nearly $600M transaction, close with reflections on the note market, and invite listeners to like, share, and subscribe.

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In this episode, Danny Martinez reflects on the tragic death of Charlie Kirk on September 10, 2025. He shares his thoughts on the value of life, the dangers faced by public figures, and the importance of rejecting hate in favor of unity and compassion. Danny draws personal connections to the tragedy and calls for Americans to do better together.Chapter 1 – Remembering Charlie Kirk (0:06 – 0:43)Danny opens by acknowledging the tragic passing of Charlie Kirk. He reflects on Kirk’s young age and draws a personal comparison to his own life, considering how devastating such a loss would be for a family.Chapter 2 – The Cost of Hate (0:43 – 1:52)He emphasizes that no opinion or political stance should cost someone their life. Danny urges listeners to focus on humanity, reject hate, and support those affected. He hopes for justice and encourages Americans to rise above division.Chapter 3 – Risks of Public Life (1:52 – 2:51)Danny discusses the risks public figures face, whether at rallies, concerts, or meet-and-greets. He references past tragedies and warns about how controversy can attract hate. He closes by urging people to be careful, love one another, and move forward with compassion.Learn More nytfire.comText 📱 210-972-1842 Help support the show. https://podcasters.spotify.com/pod/show/nytfire/support

In this podcast episode, Daniel introduces Originate AI, a chat-based tool designed to help investors analyze real estate notes. He explains compliance guidelines, demonstrates how the AI processes a sample land note, and highlights its ability to provide risk analysis, key insights, and flexible scenarios. Daniel encourages listeners to try it out for free during September.

Chapter 1 – Introducing Originate AI (0:07 – 0:43)

Daniel explains how AI is being applied in note investing and introduces Originate AI. He highlights its chat-based features, ability to upload documents, input data, and its compliance requirements (redacting borrower personal information).

Chapter 2 – Live Demonstration (0:43 – 2:25)

He walks through a sample land note (2 acres, $150K purchase, $45K down, $105K loan at 11% for 15 years). The AI computes monthly payments, gives results, and can answer “what if” questions like potential offers, note scoring, and different risk scenarios.

Chapter 3 – Key Benefits & Free Access (2:25 – 3:24)

Daniel shows how the AI flags risks (comps, escrow, taxes, missing docs) and allows users to upload documents (with redactions). He wraps up by inviting listeners to test Originate AI for free during September and reach out for support if needed.

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