Latest Homeequitylineofcredit Podcast Episodes
#91 - How to Buy Investment Properties When Your Bank Says NO
Replace Your University - May 16, 2024 10:00 - 1 minuteIn today's video, Michael Lush discusses a financial product called the Debt Service Coverage Ratio (DSCR) loan, designed for individuals who already own a home and have done so for at least 12 months. The DSCR loan differs from conventional loans as it bases eligibility on the potential rental ...
#90 - Do You Know Your Hourly Rate? Here's Why You Should.
Replace Your University - May 09, 2024 10:00 - 2 minutesTeaching how you can pay your mortgage off in 5 years or less. Here's how. 👇🏼 https://bit.ly/3u0XXDA To start building the life you want: https://replaceyouruniversity.com/ Follow Replace Your University on Instagram: https://www.instagram.com/the_realryu/ Join Us on Facebook: ht...
(RECAST) - How to Resist Buyer's Temptation
Replace Your University - May 02, 2024 10:30 - 14 minutes(This episode originally aired in April of 2023) In this episode of the Replace Your University Podcast, Michael Lush discusses the drawbacks of traditional mortgages and introduces a strategy to replace them with home equity lines of credit. He emphasizes the importance of budgeting, replacing...
#89 - 7 Critical Questions Every HELOC User Should Answer
Replace Your University - April 25, 2024 10:00 - 18 minutesIn this episode of the Replace University Podcast, host Michael Lush dives into the benefits of using Home Equity Lines of Credit (HELOCs) versus traditional mortgages, focusing on their flexibility and strategic advantages. He presents seven essential questions to consider for maximizing a HELO...
#88 - Michael Lush and Derrick Minyard on Investing Smarter with Home Equity
Replace Your University - April 18, 2024 10:00 - 26 minutesIn this episode of the Replace University podcast, Michael Lush is joined by Derek Minyard, who shares his enlightening experience with Home Equity Lines of Credit (HELOC), detailing how it revolutionized his financial strategy and real estate investments. Through Derek's journey, listeners lear...
#87 - Bulletproof Your Finances with the 'Create Your Own Economy' Workshop
Replace Your University - April 11, 2024 10:00 - 9 minutesIn this episode of the Replace Your University podcast host Michael Lush introduces the "Bulletproof Financial Blueprint," a transformative strategy designed to empower individuals to create their own economy. Detailing a five-night virtual workshop, Lush outlines a comprehensive plan that inclu...
#86 - Why Smart Homeowners Are Choosing HELOCs Over Mortgages
Replace Your University - April 04, 2024 10:00 - 9 minutesIn this episode of the Replace Your University podcast (clipped from episode 40), the discussion centers around Home Equity Lines of Credit (HELOCs) 's effectiveness and flexibility over traditional mortgages. Michael critically examines common misconceptions about HELOCs, emphasizing their pote...
#85 - The Art of High-Yield Investments with Devon Johnson
Replace Your University - March 28, 2024 10:00 - 20 minutesIn this episode of the RYU podcast, the focus is on the Capital Club and Dark Horse Capital, platforms linking investors with capital to high-yield, passive investment opportunities. Host Michael Lush is joined by his guest, Devon Ryan Johnson, the CEO of Dark Horse Capital. Known as the "capita...
#84 - How to Build a Bulletproof Financial Blueprint
Replace Your University - March 21, 2024 10:00 - 10 minutesIn this episode of the Replace University podcast, Michael Lush demystifies the "Flow of Money," detailing strategies for financial efficiency and growth. Lush transitions from Replace Your Mortgage to broader financial education, covering tactics from leveraging home equity lines of credit for...
#83 - How Home Equity Agreements Prey on the Desperate
Replace Your University - March 14, 2024 10:00 - 14 minutesIn this episode of the Replace University podcast, host Michael Lush explores the intricacies of Home Equity Agreements, a financial product distinct from traditional home equity loans or lines of credit. Lush delves into why these agreements have become popular among companies, highlighting the...
#82 - The Millionaire Mindset Part 2
Replace Your University - March 07, 2024 18:29 - 8 minutesIn today's episode, Michael Lush contrasts the financial strategies of millionaires with those of the middle class, emphasizing the importance of embracing calculated risks, continuous learning, and innovative thinking for wealth accumulation. Millionaires diversify investments and leverage othe...
#81 - Thinking Like a Millionaire in Times of Change
Replace Your University - February 29, 2024 11:00 - 8 minutesIn today's podcast episode, Michael Lush explores the mindset and strategies that differentiate millionaires from the middle class, focusing on long-term thinking, discipline, and embracing change, particularly in the context of technological advancements like artificial intelligence. Michael hi...
#80 - Critical Perspectives On Wealth, Faith, and Diversity PART 2
Replace Your University - February 15, 2024 11:00 - 34 minutesIn Part 2 of their discussion, Michael Lush and Cody Hutchin continue to tackle complex topics, including societal changes, political viewpoints, and the importance of personal and financial freedom. They delve into contemporary issues like taxation, government policies, and the effects of diver...
#79 - Critical Perspectives on Wealth, Faith, and Diversity with Cody Hutchin
Replace Your University - February 08, 2024 11:00 - 26 minutesIn part 1 of this thought-provoking episode, Michael Lush is joined by RYU's new Sales Manager, Cody Hutchin. Together, they dive deep into the intersections of wealth, faith, and societal norms. They explore the moral and ethical implications of taxation, the prosperity gospel, and how these be...
#78 - Fortunes Lost and Fortunes Gained: The Vanderbilts vs. Rockefellers Saga
Replace Your University - February 01, 2024 11:00 - 2 minutesIn this episode of RYU Podcast, Michael Lush delves into the intriguing story of the Vanderbilts and Rockefellers, exploring how their wealth evolved over time. Drawing a stark contrast between the two families, he reveals that while the Vanderbilts, once worth a staggering $105 billion in today...
#77 - Who I Like To Follow On Social Media
Replace Your University - January 25, 2024 12:00 - 2 minutesIn today's episode of RYU Podcast, Michael shares insights on how he curates his social media feed to ensure it's not only business-related but also beneficial for his mindset and even kid-friendly. Offering a glimpse into his social media strategy, he lists top influencers and content creators ...
#76 - Charge According To Your Worth
Replace Your University - January 18, 2024 11:00 - 2 minutesIn this episode of RYU Podcast, Michael reflects on a valuable lesson from a marketing mentor in 2014. This mentor emphasized the importance of charging what you're truly worth, especially when offering a service that saves people significant amounts in mortgage interest. Michael shares a simple...
#75 - Teen's $160,000 Chicken Tractor Side Hustle
Replace Your University - January 11, 2024 11:00 - 3 minutesIn this follow-up video, I address the comments and questions from my viral short about a 17-year-old who successfully built and sold 400 chicken tractors, grossing $160,000 in a year. I clarify the misconceptions about the profitability of this venture, explaining that despite the costs of mate...
#74 - Reverse Engineering a 5-Year Plan
Replace Your University - January 04, 2024 16:00 - 6 minutesIn today's episode of RYU Podcast, Michael explores a unique mindset, revealing the intriguing habit of purchasing lottery tickets when the jackpot surpasses 300 million dollars. Michael explains how this ritual serves as a mental exercise, prompting him to envision a life of abundance and conte...
#73 - Questioning Beliefs Atheism to Faith
Replace Your University - December 28, 2023 16:00 - 11 minutesIn this episode of RYU Podcast, Michael is joined by Michael Cocchini, and they dive deep into the profound topics of life's meaning, consciousness, and Christianity. Join us as we explore the depths of these intriguing subjects and uncover insights that may reshape your perspective. To start b...
#72 - Impact of Interest Rates Recession and Financial Opportunities
Replace Your University - December 21, 2023 16:00 - 6 minutesIn this episode, Michael is joined by Chris Payne from University Lending Group and they delve into how their clients are navigating the challenges of rising interest rates, the recession, and inflation. Surprisingly, the short answer is that they're not losing sleep over it. Tune in to discover...
#71 - Maximizing Home Equity with a HELOC
Replace Your University - December 14, 2023 16:00 - 6 minutesIn this episode of RYU Podcast, Michael explores the key to being both house-rich and cash-rich: a First Lien HELOC. Leveraging his mortgage expertise, he emphasizes the game-changing liquidity of a home equity line of credit, providing easy 24/7 access to equity. Real-life examples highlight it...
#70 - Productive Delegation
Replace Your University - December 07, 2023 16:00 - 2 minutesIn this episode for RYU Podcast, Michael encourages a shift in mindset towards business expansion and efficiency. Using a personal example, he highlights the case of a successful account executive who, despite reservations, is contemplating scaling his monthly live events. Michael emphasizes the...
#69 - Money Making Getaway
Replace Your University - November 30, 2023 16:00 - 2 minutesIn this episode of the RYU podcast, Michael shares a clever hack on turning an Airbnb stay into a profitable venture. Rather than just paying for a luxury Airbnb rental, he unveils a creative approach to not only enjoy a lavish eight-bedroom, nine-bath home in Franklin but also make money from i...
#68 - A Deep Dive into Financial Success
Replace Your University - November 23, 2023 16:00 - 1 hourIn this episode of RYU Podcast, Michael discusses the concept of "Replace Your Mindset" and how it can have a lasting impact on one's life. He describes their daily routine of waking up early, taking a cold shower, making their bed, and engaging in physical training. By following this routine,...
#67 - Unlocking The Bank-Owned Life Insurance Mystery
Replace Your University - November 16, 2023 16:00 - 3 minutesIn this episode RYU Podcast, Michael gets into the nitty-gritty of life insurance and what the big banks are up to. Now, Dave Ramsey, you've probably heard of him, he's been pretty adamant that banks don't touch permanent life insurance with a ten-foot pole. But before you take his word for gosp...
#66 - 8 Life Changing Tips
Replace Your University - November 09, 2023 16:00 - 4 minutesIn this episode RYU Podcast, Michael dives into the game-changers for a better life. I know, I know, it's a lot to remember, so be sure to hit that save button or shoot this to your bestie. First up, no more complaining. Instead, let's be solution-seekers. Then, toss out the blame game and own...
#65 - Escaping The Mortgage Trap
Replace Your University - October 26, 2023 16:00 - 7 minutesIn today's episode of RYU Podcast, we explore Michael's journey into the world of mortgages, where he learned that mortgages are like "financial crack" for the middle class. He was introduced to this idea by a mentor, Edmund Fontana, which led him to embark on a mission to transform the mortgage...
#64 - Wealth, Debt, and Heart Posture: A Christian Perspective
Replace Your University - October 19, 2023 16:00 - 10 minutesIn this episode, Michael and Derrick engage in a thought-provoking conversation about wealth, debt, and the Christian perspective on money. They delves into the misconceptions around money, debt, and the role of finances in society. Michael and Derrick touch upon biblical references, debunking t...
#63 - From Middle Class Mortgage Trap to Real Estate Empire (RECAST)
Replace Your University - October 12, 2023 16:00 - 7 minutesIn today's episode of RYU Podcast, we explore Michael's journey into the world of mortgages, where he learned that mortgages are like "financial crack" for the middle class. He was introduced to this idea by a mentor, Edmund Fontana, which led him to embark on a mission to transform the mortgage...
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