00:00 – Partnering with Momentum
Baseball analogy: aim for singles, harness the pitcher’s energy; leverage as momentum you can use.

02:23 – Leverage in Everyday Life
Employers, parents, and tech tools—how we already partner with existing assets to amplify outcomes.

04:29 – The Waterslide Analogy
Riding on engineers, builders, pumps, and physics; American business runs on leverage too.

06:47 – Debt vs. Leverage
Why consumer debt is harmful but asset-backed leverage can be beneficial; nuance beats slogans.

09:10 – The 30-Year Fixed Superpower
U.S. mortgage structure, amortization, stability; Dave & Holly’s portfolio growth via refis/sales.

11:29 – The Math of Multiplication
$250K all-cash (20% total ROI) vs. five financed properties (100% total ROI) over 5 years at 5% appreciation.

13:48 – Growth Phase vs. Payoff Phase
Use leverage to build, then de-leverage later; younger investors can accelerate timelines.

16:11 – Easier Entry: Your First Home
FHA example from Steve; equity stair-steps over decades; house hacking with a basement/ADU.

18:33 – Interest Rates: Use, Don’t Fear
Rates reflect risk; fixed vs. variable, 1980s context, and why we stick to fixed terms.

20:52 – Is Your Primary Residence an Investment?
Equity you never deploy is a locked safe; turn it into an investment by putting equity to work.

23:19 – The Worst “Investment” Framed
Thought experiment: why passive, locked-up home equity underperforms as a “savings plan.”

25:37 – Creative On-Ramps
Live-in flips (with caveats), duplex/ADU, family co-ventures; Lisa’s casita deal structure.

28:01 – The ROI Refi
Reframe refi costs as an investment; example of a 20% annual return via monthly payment savings.

30:15 – Principle-Based Leverage
Data > emotion; cash flow, cash-on-cash, reserves; when (rarely) a small negative can make sense.

32:41 – Micro-Wins & Action Items
Identify leverage you already use, find a positive leverage step, and reframe your primary residence.

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00:00 – Kevin vs. the “Hank Smith Jr. effect”: when imitation ruins authenticity—and what fixed it

02:24 – Seek the quiet applause of heaven; measuring progress, not people

04:47 – A recipe for despair: external validation and risky, look-at-me goals

07:04 – The Gap and the Gain: why measuring backward fuels momentum

09:27 – Ditch the scoreboard, grab a map: progress > points

11:48 – The net worth illusion: why income replacement is the real flex

14:11 – Steve’s Harley story: let real estate buy the toys

16:38 – It’s a Wonderful Life: getting out of the gap and into gratitude

19:00 – Client “Rand”: doors obsession → setback → sustainable singles

21:13 – Cash flow isn’t everything: mini profit centers and smarter tradeoffs

23:35 – John & Judy: 10-year journey, $2M equity, and a purpose-aligned plan

25:55 – Designing income with 1031s, refis, and right-sequenced moves

28:09 – Start now: micro-wins to economic independence

30:20 – The orchard model: seeds, seasons, and compounding growth

32:46 – Chapter recap + reflection prompts to reframe your progress

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Takeaways

• Stacking micro-wins creates large scale victories.
• The micro-wins mindset allows for joy in the journey.
• Celebrating small victories fuels motivation for larger goals.
• The Moneyball approach emphasizes data-driven decision making.
• Consistency in achieving small wins is more effective than aiming for spectacular outcomes.
• Swinging for the fences can lead to significant risks and failures.
• Understanding your investor type can tailor your investment strategy.
• Moneyball Real Estate focuses on low-risk, conservative investments.
• Economic independence can be achieved through gradual wealth accumulation.
• Evaluating your financial standing is a crucial first step.

Important Lines

• "What constitutes a micro win?"
• "Boring wins beat blaze of glory losses every time."
• "The journey to success is a marathon, not a sprint."

Episode Sections

00:00 Stacking Micro-Wins: The Path to Success

04:45 The Moneyball Approach: A New Strategy for Success

12:28 Boring Wins vs. Blaze of Glory Losses

18:10 Identifying Investor Types: The Road to Real Estate Success

22:45 Moneyball Real Estate: A Conservative Investment Strategy

37:16 The Power of Economic Independence: Building a Legacy

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Takeaways

• The Moneyball Real Estate Show focuses on sustainable wealth creation.
• Micro Wins to Millions is a guide to financial independence.
• Small victories can lead to significant financial transformations.
• The micro wins mindset is applicable in various life aspects.
• Real estate investing can be accessible to everyone.
• The authors aim to challenge traditional financial systems.
• Principles are more enduring than knowledge in investing.
• Incremental progress is key to achieving larger goals.
• The book provides a roadmap for personal and financial success.
• Obstacles are part of the journey to financial freedom.

Sound Bites

"We want you to hear the book in its entirety."

"Transform your life one small victory at a time."

"Principles on the other hand are far more concrete."

Chapters

00:00 Introduction to the Moneyball Real Estate Show

02:35 The Micro Wins Mindset

12:33 The Genesis of Our Journey

17:04 The Power of Principles

20:23 Navigating the Book

23:14 Embarking on the Journey

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Takeaways

• There is renewed optimism in the real estate market.
• Clients are eager to build significant property portfolios.
• Property management is crucial for real estate success.
• A strong relationship with property managers enhances client experience.
• Specialized property management offers unique benefits to clients.
• Uniform pricing structures simplify property management.
• Technology plays a key role in effective property management.
• An investor mindset helps in viewing the bigger picture.
• Clients should explore options for property management.
• DFY Real Estate provides access to multiple markets seamlessly.

Sound Bites

"This thing really might be starting to pick up."

"We have a new program called Instant Portfolio."

"It's a little thorn and they just want it gone."

Chapters

00:00 Optimism in Real Estate Markets

04:55 The Importance of Property Management

09:50 Building Strong Relationships with Property Managers

19:40 The Benefits of Specialized Property Management

29:56 Exploring New Markets and Future Growth

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In this episode of the Moneyball Real Estate Show, Kevin Clayson and Steve Earl discuss the anticipated interest rate cuts by the Federal Reserve and their implications for the real estate market. They reflect on recent events that have impacted their community and emphasize the importance of dialogue over being right. Kevin and Steve explore how changes in interest rates can affect buyer demand, consumer confidence, and the overall economy, encouraging listeners to consider investing in real estate during this favorable environment.

Listen for:
• Fed cuts vs. mortgage rates (not the same thing)
• Why HELOC/credit lines feel relief first
• Demand, prices, and the “seesaw” effect
• Why “today” beats trying to time the market
• How to pressure-test your own portfolio and next purchase

Get a personalized game plan: kevin@dfy-realestate.com (subject: “Game Plan”)

Takeaways

• It's more important to be good than to be right.
• Interest rates are likely coming down by the Fed.
• Consumer confidence drives buyer demand.
• Now's always the right time to buy.
• Increased consumer confidence affects the economy positively.
• Wages have not gone up commensurate with inflation.
• Interest rates have already started to decline.
• We're excited about the market generally speaking.
• It's a good environment to say, we like where we're at.
• Let's just keep rolling with this business.

Chapters

00:00 Introduction and Excitement for Updates

02:06 Reflections on Recent Events and Importance of Dialogue

07:37 Anticipation of Interest Rate Cuts

11:26 Impact of Interest Rate Changes on Real Estate

19:24 Consumer Confidence and Market Dynamics

25:35 Conclusion and Call to Action

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Click. Close. Cash Flow.

Episode Description:
What does Amazon Prime have to do with real estate investing? A lot more than you think.

In this episode of The Moneyball Real Estate Show, Kevin Clayson and Steve Earl pull back the curtain on the Amazon-style system that makes real estate feel simple—even though the behind-the-scenes work is anything but. From celebrating “micro wins” to explaining DFY’s 20-year process for vetting properties, they show why investing doesn’t have to feel overwhelming.

Discover how DFY vets 100 homes to bring you just 1, why the “last mile” of investing matters, and how a commitment to continuous improvement turns a complicated process into the easiest path to building wealth.

👉 Want a free digital copy of Micro Wins to Millions? Email Kevin at kevin@dfy-realestate.com and get instant access.

Takeaways:

Micro wins add up to millionaire-level results.

Amazon’s growth proves the power of systems and demand.

Real estate looks simple, but the behind-the-scenes work is complex.

DFY’s 20 years of process-building simplify investing for clients.

The “last mile” of investing is what clients see—while the heavy lifting happens behind the curtain.

Continuous improvement keeps DFY delivering better results year after year.

Sound Bites:

“We vet 100 homes so you only need to see 1.”

“Real estate looks simple—but the system behind it is complex.”

“Amazon delivers packages. We deliver passive income.”

“Clients feel like it’s easy. That’s because the hard work happens behind the curtain.”

Chapters:
00:00 – Monday wins, micro wins, and football lessons
03:07 – What Amazon Unbound teaches about systems
06:01 – Why real estate is harder (and easier) than it looks
12:06 – The hidden machinery behind DFY Real Estate
17:51 – The “last mile delivery” of real estate investing
23:55 – Why continuous improvement matters for your wealth

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Takeaways

• The current real estate market is challenging for cash flow.
• Midterm rentals provide a unique solution to cash flow issues.
• Investors need to adapt to changing market conditions.
• MTRs are designed for corporate housing and insurance placements.
• The quality of the property and tenant experience is paramount.
• Investing in MTRs requires a higher initial investment but offers greater returns.
• MTRs can be a part of a diversified real estate portfolio.
• The management of MTRs is less intensive than short-term rentals.
• Understanding the market dynamics is crucial for successful investment.
• The MTR model is exclusive and not widely adopted, providing a competitive edge.

00:00 – Labor Day recording + commitment to consistency
Kevin and Steve open with gratitude for staying consistent, even on a holiday, and set the stage for why this episode matters.

02:00 – Why MTRs are the solution investors need right now
Cash flow is tight. Kevin explains how DFY “reads the tea leaves” to anticipate market shifts and why MTRs were created as a cash-flow solution.

04:20 – Market context: why cash flow is squeezed
Steve contrasts today’s environment with 2008, explaining how higher rates and sticky prices made cash flow scarce.

07:50 – Why not short-term rentals?
Steve shares DFY’s deep dive into STRs, why they proved too volatile and risky, and how that pivot led to discovering mid-term rentals.

10:30 – The guinea pig phase
Steve tells the story of furnishing and converting his own Oklahoma City home into an MTR, validating the model firsthand.

13:45 – From experiment to proven system
How DFY carefully expanded from Steve’s test homes to 100+ MTRs across Oklahoma City, Tulsa, DFW, and Indianapolis.

18:30 – What exactly is an MTR?
Kevin defines Mid-Term Rentals: curated, furnished single-family homes leased for 30–180 days to premium tenants like insurance companies, corporate housing, and medical contracts.

22:50 – Sub-market strategy & limited inventory
Why the key is targeting markets with strong placement demand but limited competing MTR supply.

25:40 – Premium tenants, premium experience
Steve explains why MTR tenants treat the homes better, why turnover keeps properties pristine, and how the management team focuses solely on fulfillment.

28:20 – The “real estate double” analogy
Kevin positions MTRs as bigger bricks on top of a long-term foundation—a way to accelerate portfolio growth while staying conservative.

29:50 – Numbers and logistics
Typical purchase price ranges ($300k–$360k), furnishing/design costs (~$40k), and how tax strategies like cost segregation can offset those expenses.

32:20 – 1031 exchanges and MTRs
Clarifying how exchanges work when rolling into an MTR, and how furnishings factor in.

33:30 – Why MTRs are the definitive solution for 2025
Kevin and Steve conclude with why MTRs are unique, exclusive, and the clearest path to cash flow in today’s high-rate environment.

35:15 – Call to action
Want to see your own MTR analysis? Email Kevin at kevin@dfy-realestate.com or request a call at dfy-realestate.com.

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