With affordability at record lows, new mortgage ideas are surfacing to "fix" the housing market, but not all solutions make sense. In this solo episode, Ron Phillips breaks down the proposed 40- and 50-year mortgage options and explains how they might impact buyers, investors, and the broader economy. He compares payment savings versus long-term costs, exposes why extended loans could worsen inflation and supply issues, and shares his preferred alternative: a hybrid interest-only model that offers flexibility without trapping buyers in decades of debt. Ron also calls out how government overreach, regulation, and inflation continue to drive up housing costs, and what voters should know before supporting more intervention.

WHAT YOU'LL LEARN FROM THIS EPISODE

• What 40-year and 50-year mortgages actually mean for buyers

• The math behind payment savings, and why it's not the full story

• Why long-term loans could increase demand without fixing supply

• A smarter hybrid approach: interest-only periods that create flexibility

• How local elections matter most for housing reform

CONNECT WITH US:

• If you need help with anything in real estate, please email invest@rpcinvest.com

• Reach Ron: RP Capital

• Leave podcast reviews and topic suggestions: iTunes

• Subscribe and get additional info: Get Real Estate Success

• Facebook Group: Cash Flow Property Facebook Community

• Instagram: @ronphillips_

• YouTube: RpCapital

• Get the latest trends and insights: RP Capital Newsletter

Is the housing market broken, or just misunderstood? Ron Phillips cuts through the noise to explain why affordability is collapsing for first-time buyers and why interest rates aren't the real culprit. Dive in as he breaks down the true barriers, rising costs, debt loads, and all-cash competition, and shares clear strategies for investors to buy smart, stay cash-flow positive, and build wealth while others wait for a "reset" that may never come.

WHAT YOU'LL LEARN FROM THIS EPISODE

• Why the biggest issue in real estate isn't rates

• A gap between first-time buyers and cash-rich repeat buyers

• 2 factors reshaping who controls the housing market

• How long-term investors can still win using fundamental buying rules

• The dangers of listening to perpetual "crash" predictors and market timers

RESOURCES MENTIONED IN THIS EPISODE

• NAR 2025 Profile of Home Buyers, Sellers Reveals Market Extremes

• Mortgage Applications Increase in Latest MBA Weekly Survey

CONNECT WITH US:

• If you need help with anything in real estate, please email invest@rpcinvest.com

• Reach Ron: RP Capital

• Leave podcast reviews and topic suggestions: iTunes

• Subscribe and get additional info: Get Real Estate Success

• Facebook Group: Cash Flow Property Facebook Community

• Instagram: @ronphillips_

• YouTube: RpCapital

• Get the latest trends and insights: RP Capital Newsletter

The real estate industry is changing faster than ever, and technology is leading the charge. In this solo episode, Ron Phillips breaks down Rocket Companies' latest acquisitions of Mr. Cooper Group and Redfin, and what this means for the future of real estate. By combining the nation's largest loan originator, mortgage servicer, and home search platform, Rocket is building a true end-to-end homeownership experience. Ron explores how this new model will disrupt traditional brokerages, challenge the National Association of REALTORS®, and finally simplify the complex process of buying and owning a home.

WHAT YOU'LL LEARN FROM THIS EPISODE

• How Rocket Companies is evolving into a full homeownership platform

• Why the acquisition of Mr. Cooper and Redfin changes everything for consumers

• What an end-to-end real estate experience means for homebuyers and investors

• 2 things that could simplify mortgage and closing processes

• The reason traditional brokerages and MLS systems may face major disruption

RESOURCES MENTIONED IN THIS EPISODE

• Rocket Companies

• Redfin

• Mr. Cooper

CONNECT WITH US:

• If you need help with anything in real estate, please email invest@rpcinvest.com

• Reach Ron: RP Capital

• Leave podcast reviews and topic suggestions: iTunes

• Subscribe and get additional info: Get Real Estate Success

• Facebook Group: Cash Flow Property Facebook Community

• Instagram: @ronphillips_

• YouTube: RpCapital

• Get the latest trends and insights: RP Capital Newsletter