Get in the Cashflow Game with K&K | A Podcast for Real Estate Investors, Lenders & Entrepreneurs

One of the biggest appraisal changes in decades is coming this November.The industry is moving toward a new system that requires more data, more transparency, and more detailed property analysis. In this video, Kenny Simpson breaks down:• The new appraisal framework• Why appraisers will need more property data• How ADUs may be valued differently• Why upgrades and amenities may matter more• What homeowners should expect• Why appraisals may take longer and cost more• How this could impact refinances and purchasesFor homeowners with unique properties, custom homes, ADUs, guest houses, pools, and significant upgrades, this could be one of the most important appraisal changes in years.

Current housing data suggests a move toward 5% could release pent-up demand. The setup: •162M+ Americans employed•Five generations of buyers•Inventory remains constrained•Transaction volume has been rate-suppressed If financing costs decline meaningfully, demand may re-engage. How would your strategy change if that occurs?

On the surface, the economy looks stable. The stock market is holding up, inflation appears under control, and official messaging says things are fine.But when you talk directly with small business owners, especially in restaurants and hospitality, a very different reality emerges.In this episode, I share real conversations with restaurant owners and operators and explain why this sector is already experiencing recession-like conditions, even if the headlines are not acknowledging it yet.We discussWhy most restaurants are barely breaking even or losing moneyHow rising labor, insurance, utilities, rent, and food costs destroyed marginsWhy consumer spending is slowing even as prices remain highHow post-pandemic demand turned into a spending hangoverWhy businesses can no longer raise prices without losing customersWhat this reveals about small businesses beyond restaurantsWhy this matters for housing, real estate, interest rates, and the broader economyWhy staying in neutral is risky and how rate cuts could change the outlookRestaurant margins were always thin, and the combination of higher costs and softer demand has pushed many small businesses to the edge. This is not just a restaurant issue. It is a small business issue with broader economic consequences.If you want to understand what is happening beneath the surface of the economy and why official narratives often miss early warning signs, this is an important conversation to hear.

Why Motivation Isn’t Enough in 2026It’s a new year, and like most people, you probably started 2026 with big goals. Get in shape. Wake up earlier. Build better habits. Focus on your life, your health, and your future.In this episode, I share why waking up early completely changed my life, how I built the discipline to stay consistent, and why it has almost nothing to do with mornings and everything to do with the night before.This is not a hype or motivation episode. It is a real conversation about habits, discipline, mindset, and why most people fall off after a few weeks while others stay consistent for years.In this episode, I talk aboutWhy most New Year motivation fades fastWhy waking up early is about structure, not willpowerHow the night before determines your morningSimple habits that make waking up early easierWhy discipline beats motivation every timeHow to reset quickly after travel or setbacksLearning to say no to protect your goalsWhy consistency matters more than intensityI also share how getting up early gave me something most people never get, uninterrupted time to think, plan, work, and take care of my mind and body before the rest of the world wakes up.This routine may not be for everyone. You do not need to wake up at 3AM. But waking up earlier, creating alone time, and building discipline can change how you show up in every area of your life.If you are serious about making 2026 different, this episode will help you rethink habits, discipline, and what it really takes to stay consistent.

California ADU financing just changed in a big way, and if you are a homeowner or real estate investor, it is critical to understand how this actually works before making assumptions.Fannie Mae has updated its guidelines to allow up to three ADUs on a single family property in California. However, this does not automatically mean higher loan limits or easy low down payment financing.In this episode, I break down how these new ADU rules really work and what they mean in practice for homeowners, investors, and anyone planning an ADU project.In this episode, we coverHow Fannie Mae is treating California ADUsWhy properties with multiple ADUs are still considered single family for loan limit purposesWhat this means for conventional, FHA, and VA loansThe biggest issue most people will face with ADU properties, appraisalsWhy working with the right lender matters more than everThis is major news for California housing, ADU development, and long term affordability, but the real world details matter. Understanding the structure, zoning, loan limits, and appraisal risks can save you from costly mistakes.If you are planning an ADU in California, buying a property with ADUs, or refinancing one, this episode will help you understand how to approach it the right way.Want help structuring an ADU deal correctly?Reach out to my team. We work with ADU financing every day across California.

We went to the HousingWire Annual where the community from across the housing ecosystem comes together to share strategies, drive business, discover new technologies, discuss best practices, and meet industry leaders. If you are in the industry or are interested in getting in the industry, this is a must-watch episode for you! There are so many takeaways that I am going to share with you. The speakers were phenomenal, Logan Mohtashami - Lead Analyst HousingWire, Sandra Thompson - Director of Federal Housing Finance Agency, Mike Simonsen - President of Altos Research, Frank Martell - President and CEO of loanDepot, and René Rodriguez - Keynote Speaker, Best-Selling Author. I have learned so much from the speakers and I had a great time seeing my friends in the industry again. 04:00 - Top Takeaways! 06:40 - The FEDs need to land the damn plane! 09:00 - Lay-offs on the horizon 14:27 - 20% down is Not Possible for an Average Person 18:06 - Brace Yourselves for the Next 6-8 months ----- BOOK A CALL WITH KENNY: ⁠⁠https://calendly.com/kennysimpson/⁠⁠ APPLY NOW and Work Directly with My Team: ⁠⁠https://www.c2financialco.com/apply-now/⁠⁠ Sign Up For My Free Newsletter: ⁠⁠https://lp.constantcontactpages.com/s...⁠⁠ First-Time Homebuyer Guide: ⁠⁠https://kennystore.my.canva.site/purc...⁠⁠ More ways to connect with me 👇 I'm also on Instagram: @kennysimpson @krystlesimpson LinkedIn: ⁠⁠ / kenny-simpson-32210348 ⁠⁠ TikTok: ⁠⁠ / kennyb.simpson ⁠⁠ NMLS ⁠⁠#310335⁠⁠ C2 Financial Corporation MLS ⁠⁠#135622⁠ ----- SPONSORS: * Prime Corporate Services: Whether you’re new to owning a business or owning property or you’re an experienced business owner, Prime Corporate Services will help you and make the process so much easier. So, if you book a call the first thing they are going to do for you is help you understand what your business structure should look like, your corporate structure, tax planning, estate planning, and all of that. Maybe you’re saying, I’m brand new to starting a business and all of this sounds foreign and complicated. Remember, this company helps new people just get started every day. They will help you form the entity that’s best for you and walk you through the process. Visit https://primepartner.info/gitcg to schedule a free call! * Cost Segregation Services: We have been working with Tim Looney at CSSI for a few years now and he has saved our clients and our hundreds of thousands, if not millions of dollars, in taxes doing Cost Segregation Studies. Let me give you a few examples. We bought a property in 2019, if we had just used straight-line depreciation, we would have saved about $18,750. Because we did a cost seg we saved $258,000 – that’s $239,350 more than standard straight-line depreciation in the first year! Call Tim Looney at (318) 469-9861 to schedule a complimentary property analysis, and tell him Krystle and Kenny sent you! #realestate #podcast #realestateinvesting #housingmarket #inventory #sandiego #sandiegorealestate #realestateinvestor #success #successmindset #investingtips #housingwire

Hey there! Kenny here and I'm excited for you to join us in this insightful episode of "Get in the Cashflow Game with K&K" as we sit down with Steve Welty from Good Life Property Management. Steve shares his journey in the property management industry, emphasizing the importance of balancing financial goals with personal values and time. We talk about the challenges and opportunities in the San Diego real estate market and discuss the impact of rent control. We also explore how to create a thriving business without sacrificing well-being. Whether you're an investor, a property owner, or just interested in real estate, this episode offers valuable insights and strategies to help you succeed. BOOK A CALL WITH KENNY: https://calendly.com/kennysimpson/ APPLY NOW and Work Directly with My Team: https://www.c2financialco.com/apply-now/ Sign Up For My Free Newsletter: https://lp.constantcontactpages.com/s... First-Time Homebuyer Guide: https://kennystore.my.canva.site/purc... More ways to connect with me 👇 I'm also on Instagram: @kennysimpson LinkedIn: / kenny-simpson-32210348 TikTok: / kennyb.simpson NMLS #310335 C2 Financial Corporation MLS #135622 If you enjoyed this episode, please give it a thumbs up, subscribe to our channel, and share it with your friends! Also, let us know in the comments what topics you’d like us to cover in future episodes. Don't forget to follow us on social media for more updates and insights from the world of real estate. If you have questions or need advice on property management, reach out to us or Steve Welty directly. Your feedback is invaluable to us, so leave a comment below and join the conversation! #investing #housingmarket #housingprices #propertymarket #stevewelty #kennysimpson #housing #housingmarket #money #housingloans #mortgagerates #mortgage #mortgagesecrets