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In this episode of the Big Mike Fund Podcast, host Mike Zlotnik is joined by returning guest Salena Kulkarni, Chartered Accountant and fractional wealth CFO, for a deep dive into real estate investing, market cycles, and wealth management. Together, they explore the challenges of quantifying risk, the practical limitations of Ray Dalio’s uncorrelated asset thesis, Nassim Taleb’s concept of antifragility, and why investors must build expertise in the assets they fund rather than relying blindly on financial advisors. The conversation also covers current real estate market corrections, high interest rate environments, and how disciplined investors can uncover asymmetric risk-reward opportunities during economic downturns. Key highlights The Challenge of Risk Assessment: Drawing on investment principles from Howard Marks, the discussion highlights how difficult it is to accurately measure risk either before or after making an investment. Theory Versus Practice in Diversification: While holding 10 to 15 uncorrelated assets is a great theoretical framework, extreme market panics often cause correlations to converge toward one. The Danger of Delegated Ignorance: Handing money over to financial advisors without understanding the underlying assets turns long-term wealth building into an uncontrolled gamble. Seizing Opportunity in Market Downturns: Current property market corrections and economic uncertainty create heavy discount and high-yield buying opportunities for astute investors. The Importance of Financial Literacy: Developing personal investment skills and maintaining a simplified, risk-aware portfolio structure is essential for long-term financial survival and peace of mind. STOP! Your free eBook is ready. 🎁🚀 https://tempofunding.com/endgame/ 📌 Learn our full investment playbook & connect: https://TempoFunding.com/Connect 🔑 Book your FREE strategy call to apply these conservative principles to your portfolio: https://TempoFunding.com/IRCall Timestamps 0:00 - Introduction: Welcoming back Salena Kulkarni and discussing the upcoming book launch. 3:15 - Reflecting on Market Cycles: Evaluating past investment decisions, hindsight bias, and the inherent difficulty of assessing risk. 11:40 - Diversification Realities: Examining Ray Dalio’s 10 to 15 uncorrelated investments thesis versus Nassim Taleb’s theories on fragility and antifragility. 24:30 - Avoiding the "Black Box": Why abdicating financial control to advisors or investing without personal understanding creates severe vulnerability. 38:50 - Real Estate Market Corrections: Analyzing property market pullbacks, housing shortages, and navigating valuation drops across global markets. 52:10 - Emotional Self-Regulation: How to tune out media fear-mongering and make disciplined, long-term financial decisions. Socials & Contact Links: Facebook: 📘 https://tempofunding.com/facebook Twitter/X: ✖️ https://tempofunding.com/twitter LinkedIn: 💼 https://tempofunding.com/linkedin Instagram: 📸 https://www.instagram.com/tempofunding Email: 📧 [email protected]

Welcome back to the Big Mike Fund Podcast hosted by Mike Zlotnik (Big Mike). In this 35-minute episode, Mike sits down with Terry Judge, CEO of Core Advisors, celebrating their 20th anniversary in business. They dive into the massive tax advantages returning to real estate, focusing on cost segregation, 100% bonus depreciation, and strategic Q4 tax planning. Whether you are investing in multi-family apartments, mobile home parks, or commercial spaces, learn how to accelerate your depreciation, execute lookback studies with 481(a) adjustments, and properly handle asset dispositions before the end of the year. Key Highlights 100% Bonus Depreciation: This allows investors to front-load depreciation deductions by immediately writing off 100% of the cost of eligible short-life property (5-, 7-, and 15-year assets) in the year it is placed in service. Mobile Home Park Allocations: Mobile home parks are heavily weighted toward land improvements (paving, utility pads, electrical hookups, and water/sewer lines), which fall under 15-year property and qualify for massive first-year depreciation compared to standard office or residential structures. The 481(a) Lookback Study: Investors who missed taking bonus depreciation on properties purchased in past years can utilize a change in accounting method to capture retroactive depreciation in the current tax year without filing amended returns. The 481(a) Lookback Study: Under IRS rules (using Form 3115), investors who acquired properties in previous years without performing a cost segregation study can execute a 481(a) adjustment to catch up on missed depreciation in the current tax year without needing to file costly and complex amended returns for past years. Partial Asset Disposition (PAD): This strategy allows property owners to write off the remaining tax basis of specific building components that are retired or replaced during renovations (e.g., old roofs, HVAC units, parking lot asphalt). This removes "ghost assets" from the balance sheet and creates immediate tax deductions rather than waiting until the entire property is sold. STOP! Your free eBook is ready. 🎁🚀 https://tempofunding.com/endgame/ 📌 Learn our full investment playbook & connect: https://TempoFunding.com/Connect 🔑 Book your FREE strategy call to apply these conservative principles to your portfolio: https://TempoFunding.com/IRCall Timestamps 000:00 – Introduction & Welcoming Back Terry Judge 01:15 – The Return of 100% Bonus Depreciation & Industry Impact 05:45 – Asset Classes & Cost Segregation: Data Centers, Equipment Finance, and Commercial Real Estate 12:30 – Mobile Home Parks: Unlocking 85%–90% First-Year Depreciation on Land Improvements 20:15 – Flex Space, Industrial, Retail, and Short-Term Rentals Tax Strategies 27:00 – Q4 Tax Planning Deadlines: Why Investors Must Act Before December 31st 35:20 – Lookback Studies & 481(a) Adjustments: Catching Missed Depreciation Without Amended Returns 44:00 – Partial Asset Disposition (PAD): Monetizing Renovations and Removing Ghost Assets 52:15 – How to Reach Out to Terry Judge and Get a Free Custom Benefit Analysis Socials & Contact Links: Facebook: 📘 https://tempofunding.com/facebook Twitter/X: ✖️ https://tempofunding.com/twitter LinkedIn: 💼 https://tempofunding.com/linkedin Instagram: 📸 https://www.instagram.com/tempofunding Email: 📧 [email protected]

In this comprehensive episode of The Big Mike Fund podcast, host Mike Zlatnik sits down with Director of Capital Markets Ryan E. Wynkoop for an in-depth Fall 2026 market update and strategic guide on commercial real estate. Recorded in October 2026, this complete discussion covers the massive Q3 surge in 10-year treasury yields—climbing from 3.93% up to roughly 5.3%—alongside persistent inflation, diesel shipping costs, and foreign debt selling by countries like Japan and China. The conversation examines how massive corporate debt issuances from tech hyperscalers funding the AI boom compete with US Treasuries, how rising interest rates impact Debt Service Coverage Ratios (DSCR), cap rate expansions, lender underwriting standards, asset class divergence (such as medical office resilience versus multifamily rent challenges), refinancing hurdles, and alternative high-yield investment options. Key Highlights Treasury Yield Volatility: The 10-year treasury yield surged aggressively in Q3 2026, moving from under 4% to approximately 5.3%. AI Capital Competition: Massive corporate bond issuances by tech giants (the "Magnificent 7") funding artificial intelligence infrastructure are creating fierce competition for capital against US Treasuries. DSCR as the Limiting Factor: As interest rates climb, the Debt Service Coverage Ratio (DSCR) threshold becomes the primary bottleneck restricting maximum loan amounts during refinances, overriding traditional LTV limits. Asset Class Resilience vs. Lag: Medical office and select triple-net retail assets continue to thrive due to strong pricing power and supply-demand imbalances, whereas multifamily properties continue to struggle with lagging rent growth. Radical Transparency & Alternative Yields: Operating sponsors must address maturity cliffs and loan workouts honestly, while exploring alternative high-yield structures like debt notes and medical receivables. STOP! Your free eBook is ready. 🎁🚀 https://tempofunding.com/endgame/ 📌 Learn our full investment playbook & connect: https://TempoFunding.com/Connect 🔑 Book your FREE strategy call to apply these conservative principles to your portfolio: https://TempoFunding.com/IRCall Timestamps 00:13 - Episode Introduction & Guest Welcome 00:49 - Commercial Real Estate Market Overview 01:43 - 10-Year Treasury Yield Analysis 03:41 - Inflation Trends & Global Debt Pressures 08:15 - The AI Infrastructure Debt Boom 10:27 - Commercial Real Estate Market Impacts 12:40 - DSCR Math & Debt Service Changes 19:51 - Lender Underwriting Standards 23:01 - Asset Class Performance Divergence 28:40 - Refinancing Realities & Loan Workouts 33:15 - Stress-Testing Underwriting & Deal Fundamentals 37:50 - Case Studies: Medical, Industrial, and Retail Deals 41:20 - Alternative High-Yield Offerings: Debt Notes & Medical Receivables 43:50 - Final Takeaways & Episode Outro Socials & Contact Links: Facebook: 📘 https://tempofunding.com/facebook Twitter/X: ✖️ https://tempofunding.com/twitter LinkedIn: 💼 https://tempofunding.com/linkedin Instagram: 📸 https://www.instagram.com/tempofunding Email: 📧 [email protected]

In this episode of The Big Mike Fund podcast, Mike Zlotnik welcomes back Harrison Hall, Founder and CEO of Elevate Events. Harrison breaks down his approach to business development, shifting the focus from standard high-noise networking events to curated, high-value connections where "revenue through relationships" takes center stage. They discuss the role of AI tools (like custom graphic design and conversational planning) in scaling event collateral and business strategy, the dynamic balance between 90% business and 10% fun at curated gatherings, and actionable strategies for pre-event matchmaking and post-event follow-ups to ensure high-ROI introductions for CEOs, investors, and operators. Key Highlights: Revenue Through Relationships: Harrison emphasizes that events shouldn't be about immediate ticket-sales profit, but about curating invite-only environments that yield long-term business partnerships and millions in shared deal flow. AI as the Ultimate Wingman: How Harrison leverages AI (which he affectionately calls "Cat") for rapid graphic design, custom event flyers, website creation, and late-night business strategy development. 90% Business, 10% Fun: Lessons learned from past events led Harrison to shift away from distracting, high-noise entertainment to structured, phone-free networking environments focused on real deal-making. Data-Driven Matchmaking: Mike Zlotnik and Harrison discuss how pre-profiling attendees on their capital, deal types, and service needs prevents wasted conversations and ensures actionable post-event introductions. STOP! Your free eBook is ready. 🎁🚀 https://tempofunding.com/endgame/ 📌 Learn our full investment playbook & connect: https://TempoFunding.com/Connect 🔑 Book your FREE strategy call to apply these conservative principles to your portfolio: https://TempoFunding.com/IRCall Timestamps 00:00 – Welcome back Harrison Hall: Meeting in person & the Elevate vision 01:45 – Redefining Elevate: It’s not just events, it’s Business Development 04:05 – Why in-person human connections matter more in the age of AI 04:50 - Using AI ("Cat") as the ultimate wingman for graphic design & business plans 07:15 – The upcoming 80s-themed Business Development event at Gallery Defy 09:20 – Rebalancing the ratio: Shifting to 90% business, 10% fun 11:40 – Phone-free networking & bringing back authentic 1-on-1 conversations 14:50 – Monetizing the connector role: Value creation through post-event deal-making 17:40 – Mike’s feedback on event size, noise levels, and quality vs. quantity 19:50 – Pre-event matchmaking: Gamifying attendee profiles & deal alignment 22:00 – Overcoming networking fatigue: Cutting through the noise to find real partners 25:00 – Combining data-driven preparation with human connection Socials & Contact Links: Facebook: 📘 https://tempofunding.com/facebook Twitter/X: ✖️ https://tempofunding.com/twitter LinkedIn: 💼 https://tempofunding.com/linkedin Instagram: 📸 https://www.instagram.com/tempofunding Email: 📧 [email protected]

In this episode of The Big Mike Fund podcast, Mike Zlotnik welcomes back Harrison Hall, Founder and CEO of Elevate Events. Harrison breaks down his approach to business development, shifting the focus from standard high-noise networking events to curated, high-value connections where "revenue through relationships" takes center stage. They discuss the role of AI tools (like custom graphic design and conversational planning) in scaling event collateral and business strategy, the dynamic balance between 90% business and 10% fun at curated gatherings, and actionable strategies for pre-event matchmaking and post-event follow-ups to ensure high-ROI introductions for CEOs, investors, and operators. Key Highlights: Revenue Through Relationships: Harrison emphasizes that events shouldn't be about immediate ticket-sales profit, but about curating invite-only environments that yield long-term business partnerships and millions in shared deal flow. AI as the Ultimate Wingman: How Harrison leverages AI (which he affectionately calls "Cat") for rapid graphic design, custom event flyers, website creation, and late-night business strategy development. 90% Business, 10% Fun: Lessons learned from past events led Harrison to shift away from distracting, high-noise entertainment to structured, phone-free networking environments focused on real deal-making. Data-Driven Matchmaking: Mike Zlotnik and Harrison discuss how pre-profiling attendees on their capital, deal types, and service needs prevents wasted conversations and ensures actionable post-event introductions. STOP! Your free eBook is ready. 🎁🚀 https://tempofunding.com/endgame/ 📌 Learn our full investment playbook & connect: https://TempoFunding.com/Connect 🔑 Book your FREE strategy call to apply these conservative principles to your portfolio: https://TempoFunding.com/IRCall Timestamps 00:00 – Welcome back Harrison Hall: Meeting in person & the Elevate vision 01:45 – Redefining Elevate: It’s not just events, it’s Business Development 04:05 – Why in-person human connections matter more in the age of AI 04:50 - Using AI ("Cat") as the ultimate wingman for graphic design & business plans 07:15 – The upcoming 80s-themed Business Development event at Gallery Defy 09:20 – Rebalancing the ratio: Shifting to 90% business, 10% fun 11:40 – Phone-free networking & bringing back authentic 1-on-1 conversations 14:50 – Monetizing the connector role: Value creation through post-event deal-making 17:40 – Mike’s feedback on event size, noise levels, and quality vs. quantity 19:50 – Pre-event matchmaking: Gamifying attendee profiles & deal alignment 22:00 – Overcoming networking fatigue: Cutting through the noise to find real partners 25:00 – Combining data-driven preparation with human connection Socials & Contact Links: Facebook: 📘 https://tempofunding.com/facebook Twitter/X: ✖️ https://tempofunding.com/twitter LinkedIn: 💼 https://tempofunding.com/linkedin Instagram: 📸 https://www.instagram.com/tempofunding Email: 📧 [email protected]

Are you ready to secure your financial future and build a lasting legacy? In this episode of The Big Mike Fund podcast, Mike Zlotnik welcomes financial expert Chris Miles from Money Ripples. Together, they break down unconventional yet highly effective strategies to generate passive income and protect your wealth, moving beyond typical Wall Street options. Learn about the "four-legged stool" concept for retirement, how whole life insurance can supercharge your investments, the truths (and myths) about reverse mortgages, and why commercial real estate remains one of the best options for generating predictable cash flow. STOP! Your free eBook is ready. 🎁🚀 https://tempofunding.com/endgame/ 📌 Learn our full investment playbook & connect: https://TempoFunding.com/Connect 🔑 Book your FREE strategy call to apply these conservative principles to your portfolio: https://TempoFunding.com/IRCall Timestamps 00:00 - Introduction and welcome to Chris Miles. 00:44 - Chris's marathons: An endurance achievement. 03:34 - Transitioning to an empty nest. 04:22 - The "four-legged stool" concept for retirement income. 06:23 - Why the traditional Wall Street system is broken. 08:52 - The impact of inflation on Social Security. 09:23 - Demystifying Reverse Mortgages. 11:17 - What happens to a reverse mortgage when you die? 12:04 - Case study: Using a reverse mortgage when downsizing. 13:53 - Whole Life Insurance: Infinite banking and generational legacy. 17:02 - The Ernst & Young study: The ideal blend (70% Investments / 30% Life Insurance). 19:07 - Retirement strategies using life insurance to protect against market downturns. 21:25 - Accelerating your investments using loans against your insurance policy. 24:23 - Commercial and alternative real estate: The king of cash flow. 25:04 - Building your "Endgame Portfolio". 28:53 - Risk-adjusted allocation: Protecting your principal over return. Connect with the Guest: Website: https://moneyripples.com/ Email: [email protected] LinkedIn: https://www.linkedin.com/company/money-ripples/ Socials & Contact Links: Facebook: 📘 https://tempofunding.com/facebook Twitter/X: ✖️ https://tempofunding.com/twitter LinkedIn: 💼 https://tempofunding.com/linkedin Instagram: 📸 https://www.instagram.com/tempofunding Email: 📧 [email protected]

How does drafting a fantasy football roster compare to building a recession-resistant real estate portfolio? In this episode of the Big Mike Fund Podcast, host Mike Zlotnik ("Big Mike") welcomes back Ryan E. Wynkoop, Director of Capital Markets at Tempo. Together, they break down the fascinating correlations between Fantasy Football team management and commercial real estate investing. From dealing with player injuries (market shifts in multifamily) to drafting foundational superstars (high-conviction core assets), Ryan and Mike explore how flexibility, non-correlated diversification, and clear endgame goals dictate long-term portfolio success. Key Highlights • Fantasy Football 101: How assembling a player roster mirrors portfolio construction • Asset Class Flexibility: Navigating market shifts from multifamily to industrial, medical office, and open-air retail • Managing Uncertainty & Bench Depth: What player injuries teach us about contingency planning in CRE • Risk Mitigation Strategies: Ray Dalio’s non-correlated diversification principles applied to real estate • "The Endgame Portfolio": Insights from Big Mike’s new book on chess, goals, and predictable cash flow • Emotional Connection vs. Objective Risk: Investing in tangible assets vs. public equities STOP! Your free eBook is ready. 🎁🚀 https://tempofunding.com/endgame/ 📌 Learn our full investment playbook & connect: https://TempoFunding.com/Connect 🔑 Book your FREE strategy call to apply these conservative principles to your portfolio: https://TempoFunding.com/IRCall Timestamps 00:00 - Introduction & Buffalo Bills Fanatics (Josh Allen & Fantasy Football) 01:00 - What is Fantasy Football? Assembling a Portfolio of Players 03:20 - How Fantasy Football Connects to Commercial Real Estate 05:30 - Asset Class Shifts: Multifamily vs. Industrial, Retail & Medical Office 08:40 - Navigating Injuries & Market Uncertainty in Real Estate 10:18 - Buying the Dip: Multifamily Resurgence & "Going Small" 12:32 - Risk Mitigation & "The Endgame Portfolio" (Ray Dalio Strategy) 16:14 - Diversifying Over Time: Dollar-Cost Averaging in Real Estate 18:47 - Keeper Leagues & Foundational Assets (The Josh Allen Strategy) 23:06 - Personal Connection vs. Objective Risk: Investing in Hard Assets 28:01 - Evaluating Decision Quality & Avoiding Recency Bias Socials & Contact Links: Facebook: 📘 https://tempofunding.com/facebook Twitter/X: ✖️ https://tempofunding.com/twitter LinkedIn: 💼 https://tempofunding.com/linkedin Instagram: 📸 https://www.instagram.com/tempofunding Email: 📧 mailto:[email protected] ABOUT US At Tempo Family of Funds & Syndications, we provide diversified, conservative commercial real estate investment opportunities tailored to meet the needs of busy investors. Our offerings include high depreciation deals, strong income funds for passive investors, and hard money loans.

In this episode of the Big Mike Fund Podcast, host Mike Zlotnik ("The Big Mike") sits down with Ryan E. Wynkoop, Director of Capital Markets at Tempo. Living on Folly Beach outside Charleston, South Carolina, Ryan brings a unique perspective on demographic growth in the Southeast and hands-on experience working directly with real estate investors. Mike and Ryan discuss how investors should navigate current economic noise, interest rate fluctuations, and geopolitical uncertainty. Instead of pulling out of the market or succumbing to analysis paralysis, Ryan introduces the strategic concept of "going small"—writing smaller, more frequent checks into individual, highly transparent deals rather than open-ended funds. They also evaluate high-hype trends like speculative AI data center developments versus grounded, cash-flowing asset classes like medical office properties, triple-net (NNN) industrial, and open-air retail. Drawing analogies to NFL ball-control strategies and time of possession, they highlight why systematic "singles and doubles" outperform risky home-run chasing in wealth creation. STOP! Your free eBook is ready. 🎁🚀 https://tempofunding.com/endgame/ 📌 Learn our full investment playbook & connect: https://TempoFunding.com/Connect 🔑 Book your FREE strategy call to apply these conservative principles to your portfolio: https://TempoFunding.com/IRCall Timestamps 00:00 - Intro: Mike Zlotnik Welcomes Ryan E. Wynkoop, Director of Capital Markets 00:45 - Living in Charleston, SC & Observing Southeast Regional Demographic Growth 02:12 - Overcoming Market Noise, Dislocation, and Uncertainty in 2026 04:15 - The "Going Small" Strategy: Individual Deals vs. Open-Ended Funds 06:30 - Adjusting Check Sizes & Diversifying Across Time and Asset Classes 09:30 - AI Data Center Hype vs. Fundamental Real Estate Underwriting 12:16 - High-Performing Sectors: Medical Office, NNN Industrial, and Open-Air Retail 16:00 - Velocity of Capital in Real Estate & Staying Patient 18:36 - The Football Metaphor: Why "Ball Control" Beats Chasing Speculative Home Runs 22:35 - Ongoing Education: Learning and Growing Alongside Your Sponsor Socials & Contact Links: Facebook: 📘 https://tempofunding.com/facebook Twitter/X: ✖️ https://tempofunding.com/twitter LinkedIn: 💼 https://tempofunding.com/linkedin Instagram: 📸 https://www.instagram.com/tempofunding Email: 📧 mailto:[email protected] ABOUT US At Tempo Family of Funds & Syndications, we provide diversified, conservative commercial real estate investment opportunities tailored to meet the needs of busy investors. Our offerings include high depreciation deals, strong income funds for passive investors, and hard money loans. We manage everything from private lending to private equity and consulting. Our commitment to transparent communication, professional administration, and robust partnerships sets us apart. Our investment options span multifamily projects, self-storage, shopping plazas, industrial, hotel conversions, and more. We aim to be your go-to resource for institutional-quality investments that are tax-friendly and IRA-compatible.

In this episode of the Big Mike Fund Podcast, host Mike Zlotnik welcomes Christine McCarron, Managing Broker of Behive Brokerage in the Boston area. Christine shares her inspiring journey of going from zero to a 7-figure net worth starting at the age of 50 through residential real estate. Mike and Christine break down the common fears and misconceptions that hold new investors back, why real estate is fundamentally safer than the stock market, and the unique advantages women bring to the investing table. They also dive into the mechanics of cash-flowing assets, mitigating risk through education, and unlocking tax-free wealth through strategic refinancing. Whether you are looking to diversify your retirement assets or secure your family's financial future, this episode provides actionable advice for navigating the market with confidence. STOP! Your free eBook is ready. 🎁🚀 https://tempofunding.com/endgame/ 📌 Learn our full investment playbook & connect: https://TempoFunding.com/Connect 🔑 Book your FREE strategy call to apply these conservative principles to your portfolio: https://TempoFunding.com/IRCall Timestamps 00:00 - Intro: Mike Zlotnik Welcomes Christine McCarron 01:30 - From $0 to a 7-Figure Net Worth at Age 50 02:45 - The "Risky" Stigma: Real Estate vs. The Stock Market 04:10 - The Fear of Being a Landlord & The Role of Property Managers 05:30 - Why Women Make Exceptional Real Estate Investors 08:15 - Using Logic, Math, and Due Diligence to Overcome Fear 09:45 - Diversification: Leveraging Retirement Accounts for Real Estate 11:20 - The Power of Leverage & Cash-Out Refinancing 13:00 - Final Advice for Taking Action and Getting Educated Socials & Contact Links: Facebook: 📘 https://tempofunding.com/facebook Twitter/X: ✖️ https://tempofunding.com/twitter LinkedIn: 💼 https://tempofunding.com/linkedin Instagram: 📸 https://www.instagram.com/tempofunding Email: 📧 mailto:[email protected] ABOUT US At Tempo Family of Funds & Syndications, we provide diversified, conservative commercial real estate investment opportunities tailored to meet the needs of busy investors. Our offerings include high depreciation deals, strong income funds for passive investors, and hard money loans. We manage everything from private lending to private equity and consulting. Our commitment to transparent communication, professional administration, and robust partnerships sets us apart. Our investment options span multifamily projects, self-storage, shopping plazas, industrial, hotel conversions, and more. We aim to be your go-to resource for institutional-quality investments that are tax-friendly and IRA-compatible.

In this episode of The Big Mike Fund Podcast, host Mike Zlotnik ("Big Mike") sits down with Sequoya Borgman, CEO and Founder of Borgman Capital. Sequoya shares insights from two decades in big international public accounting and 10+ years leading Borgman Capital through 22 company acquisitions and extensive industrial real estate investments. They dive deep into the mechanics of NNN sale-leasebacks, explaining how decoupling real estate from lower middle-market business acquisitions boosts deal IRR while reducing equity and debt requirements. The discussion covers middle-market EBITDA multiples (5x–8x), industrial cap rates (7%–8.5%+), deal structuring using Special Purpose Vehicles (SPVs) with 80/20 splits, and how AI trends are influencing real estate and manufacturing investment decisions. STOP! Your free eBook is ready. 🎁🚀 https://tempofunding.com/endgame/ 📌 Learn our full investment playbook & connect: https://TempoFunding.com/Connect 🔑 Book your FREE strategy call to apply these conservative principles to your portfolio: https://TempoFunding.com/IRCall Timestamps 00:13 – Guest Introduction: Sequoya Borgman, CEO & Founder of Borgman Capital 01:39 – Borgman Capital’s Footprint & Focus on Lower Middle-Market Deals 03:38 – How Industrial Sale-Leasebacks Boost Private Equity IRR 05:02 – EBITDA Multiples (5x–8x) vs. Industrial Cap Rates (7%–8.5%+) 07:08 – Inflation Protections & Annual Rent Escalation Clauses in NNN Leases 12:59 – Structuring Deals via SPVs, GP Control & LP Capital Stacks 16:44 – Macro Outlook: Inflation, Interest Rates & PE Exits 24:13 – Cash Flow Distributions (8%–10%) & Long-Term Hold Strategies 27:08 – The Impact of AI & Data Center Expansion on Industrial Real Estate Connect with Guest: Website: www.borgmancapital.com Website: www.passthehat.com LinkedIn: https://www.linkedin.com/in/sequoya-borgman-8a6057a/ Socials & Contact Links Facebook: 📘 https://tempofunding.com/facebook Twitter/X: ✖️ https://tempofunding.com/twitter LinkedIn: 💼 https://tempofunding.com/linkedin Instagram: 📸 https://www.instagram.com/tempofunding Email: 📧 mailto:[email protected]

In this episode of the Big Mike Fund Podcast, host Mike Zlotnik welcomes Ash Patel, founder of Beyond Multifamily, to discuss why non-residential commercial real estate is generating superior returns compared to over-crowded multifamily markets. Ash details his core strategy for targeting 18–20% cash-on-cash returns by acquiring unanchored retail strip malls, repositioning gross leases, and unlocking value by selling off unused parking lot outparcels. Big Mike and Ash also examine the post-COVID shift toward suburban office space—explaining why high-vacancy suburban office parks offer massive cash-flow potential when reconfigured for small 2- to 3-person business tenants. STOP! Your free eBook is ready. 🎁🚀 https://tempofunding.com/endgame/ 📌 Learn our full investment playbook & connect: https://TempoFunding.com/Connect 🔑 Book your FREE strategy call to apply these conservative principles to your portfolio: https://TempoFunding.com/IRCall Timestamps 0:13 - Introduction: Ash Patel’s Journey to Commercial Real Estate 2:12 - Beyond Multifamily: Asset Classes & Recent Activity 2:48 - The Retail Real Estate Secret: Record Low Vacancies & Record Rents 5:00 - Unanchored Strip Malls & Targeting 18%+ Cash-on-Cash Returns 9:24 - Case Study: Adding $2M in Value & Selling Parking Lot Outparcels 14:49 - Downtown CBD Office vs. Mispriced Suburban Office Properties 22:19 - Case Study: Buying 16 Louisville Suburban Office Buildings 24:40 - Maximizing Rent Per Square Foot by Subdividing Office Space 27:03 - Bar & Restaurant Real Estate Dynamics: High Risk vs. Tenant Buildouts Contact with Ash: www.InvestBeyondMultifamily.com Facebook: 📘https://www.facebook.com/ash.patel.58118 LinkedIn: 💼 https://www.linkedin.com/in/ash-patel-95b1a25/ Socials & Contact Links Facebook: 📘 https://tempofunding.com/facebook Twitter/X: ✖️ https://tempofunding.com/twitter LinkedIn: 💼 https://tempofunding.com/linkedin Instagram: 📸 https://www.instagram.com/tempofunding Email: 📧 mailto:[email protected] ABOUT US At Tempo Family of Funds & Syndications, we provide diversified, conservative commercial real estate investment opportunities tailored to meet the needs of busy investors. Our offerings include high depreciation deals, strong income funds for passive investors, and hard money loans. We manage everything from private lending to private equity and consulting. Our commitment to transparent communication, professional administration, and robust partnerships sets us apart. Our investment options span multifamily projects, self-storage, shopping plazas, industrial, hotel conversions, and more.

In this episode of The Big Mike Fund Podcast, host Mike Zlotnik welcomes back real estate investor Lane Kawaoka to discuss the current climate in commercial real estate. Together, they analyze the 30% to 40% valuation corrections across major sunbelt markets like Phoenix and Austin, the squeeze caused by elevated holding costs and interest rates, and the challenges of raising capital in a cautious market. Lane and Mike also explore alternative strategies, including small-bay industrial, AI data center infrastructure plays, and what it takes to find yield in today's economic environment. Key Highlights Market Correction Expansion: Cap rate expansion in high-growth markets like Phoenix and Austin triggered asset valuation drops of 30% to 40% from peak levels. Holding Cost Squeeze: Elevated interest rates combined with rising property taxes and insurance have eroded traditional 8% multifamily cash flows. The Underwriting Dilemma: Investors debate whether to underwrite assuming reversion cap rates will compress or hold strictly conservative exit cap assumptions. Capital Formation Reality: Retail investor sentiment remains guarded after recent market adjustments, shifting the focus to deep-value opportunities. AI Infrastructure Surge: Multi-billion dollar developments in AI data centers are creating a rising-tide effect for adjacent industrial real estate and small-bay flex spaces. STOP! Your free eBook is ready. 🎁🚀 https://tempofunding.com/endgame/ 📌 Learn our full investment playbook & connect: https://TempoFunding.com/Connect 🔑 Book your FREE strategy call to apply these conservative principles to your portfolio: https://TempoFunding.com/IRCall Timestamps 0:00 – Intro & Catching Up with Lane Kawaoka 1:38 – The "Nuclear Blast" in Multifamily: 30–40% Price Corrections 3:46 – Elevated Interest Rates, Holding Costs, and Squeezed Cash Flow 5:57 – Capital Formation Challenges & Investor Sentiment 8:30 – The Reversion Cap Rate Dilemma in Deal Underwriting 11:25 – Evaluating Basis: Replacement Costs vs. Rent Growth Assumptions 16:30 – "Approximately Right vs. Completely Wrong": Calling the Market Bottom 18:01 – AI Data Centers & The Infrastructure Boom Driving Industrial Real Estate 23:13 – Taking on More Risk for Historical Returns 26:45 – 2009 Post-GFC Lessons vs. Current Real Estate Dynamics Connect with Lane: Website: thewealthelevator.com Email: [email protected] Socials & Contact Links Facebook: 📘 https://tempofunding.com/facebook Twitter/X: ✖️ https://tempofunding.com/twitter LinkedIn: 💼 https://tempofunding.com/linkedin Instagram: 📸 https://www.instagram.com/tempofunding Email: 📧 mailto:[email protected]

Shift to Creative Value-Add: In today's high-interest-rate environment, traditional value-add strategies (heavy rehabs and rent increases) are being replaced by creative value-add methods, such as property tax exemptions and operational expense reductions. The Land SuUnderwriting Margin of Safety: Defensive underwriting requires fixing debt, prioritizing high Debt Service Coverage Ratios (DSCR), and assuming elevated interest rates will persist long-term. Diversification for Risk Mitigation: Mitigating risk at the bottom of a market cycle is best achieved by diversifying across recession-resilient asset classes (multifamily, manufactured housing, self-storage, medical office) and across multiple geographic markets. STOP! Your free eBook is ready. 🎁🚀 https://tempofunding.com/endgame/ 📌 Learn our full investment playbook & connect: https://TempoFunding.com/Connect 🔑 Book your FREE strategy call to apply these conservative principles to your portfolio: https://TempoFunding.com/IRCall Timestamps 0:00 - Welcome & introduction to Dr. Param Baladandapani 1:07 - Transitioning from the stock market to $10k/month in real estate passive income 5:00 - Evaluating the 3 investment buckets across the risk-return spectrum 9:34 - Using short-term rentals to generate high gross revenue and tax refunds 14:09 - Bypassing REPS: How the 100-hour material participation rule works 18:17 - Why the current market cycle favors opportunistic buyers 21:44 - Creative value-add strategies: Expense reduction and tax exemptions 24:52 - Managing risk through multi-state and multi-asset class diversification 28:13 - Learning from market peaks and adapting operational strategies Get in Touch with Guest: GenerationalWealthMD: parambalamd.com GW Capital: gwcapital.com • Book a call: gwcapital.com/zoomwithgwcapitalteam GW Gives: parambalamd.com/gwgives Instagram: @generationalwealthmd Facebook Group: facebook.com/groups/generationalwealthmd Socials & Contact Links Facebook: 📘 https://tempofunding.com/facebook Twitter/X: ✖️ https://tempofunding.com/twitter LinkedIn: 💼 https://tempofunding.com/linkedin Instagram: 📸 https://www.instagram.com/tempofunding Email: 📧 mailto:[email protected] #DrParamBaladandapani #GenerationalWealthMD #GWCapital #MikeZlotnik #BigMikeFundPodcast #RealEstateInvesting #RealEstateTaxStrategies #ShortTermRentalTaxLoophole #MaterialParticipation #RealEstateProfessionalStatus #PhysicianInvesting

In this episode of the Big Mike Fund Podcast, host Mike Zlotnik sits down with Harvard-trained physician Dr. Jordan Romano to discuss his unique, hyper-local real estate investing thesis. While maintaining an active medical practice at Tufts Medical Center in Boston, Dr. Romano has spent over a decade quietly dominating a single, rural New England market by focus-targeting workforce housing. Dr. Romano pulls back the curtain on how he identifies hidden value in properties that larger conglomerates overlook. He shares tactical insights on bypassing the volatile short-term rental market, navigating strict municipal zoning boards, and his exact blueprint for executing a highly profitable land subdivision play that essentially netted him a piece of downtown land for free. 📌 Learn our full investment playbook & connect: https://TempoFunding.com/Connect 🔑 Book your FREE strategy call to apply these conservative principles to your portfolio: https://TempoFunding.com/IRCall Timestamps 0:00 - Welcome to the Big Mike Fund Podcast & Guest Intro 0:52 - Dr. Romano’s "Chapters": Balancing Medicine at Tufts with Real Estate 1:50 - Transitioning Capital: Moving Academic Retirement Funds to Self-Directed Assets 2:36 - The Hyper-Local Thesis: Targeting Small Multi-Families in New Hampshire 3:59 - The Safety of Class B Workforce Housing (Nurses, Firefighters & Resident Docs) 5:40 - Navigating Coastal Markets, Capital Improvements, and Interest Rate Shifts 6:53 - Value-Add Execution: Splitting Layouts & Keeping Construction Pricing Fair 8:12 - The "Free Land" Strategy: How to Execute a Smart Downtown Subdivision 9:58 - NIMBYism Barriers & Why Dr. Romano Completely Avoided the Airbnb Trap 11:52 - Managing Expense Inefficiencies: Using AI to Audit & Mitigate Portfolio Water Bills 13:18 - The Long Game: Portfolio Foundations vs. High-Volume Scaling Pitfalls 14:58 - Channeling Sam Zell & Stan Druckenmiller: "Show Me the Deal" & Watching One Basket 19:09 - What's the Endgame? Playing the Active Game vs. Retiring to a Beach 21:20 - Why Keeping Fiduciary Control Means Avoiding Unnecessary Partnerships 23:26 - Staying Grounded: Lessons from a Single Mother & Making a Local Impact 26:53 - Advanced Risk Reading: Top 3 Book Recommendations from Dr. Romano 28:26 - Outro & How to Book a Call with Dr. Romano Connect with Dr. Romano: Website: https://www.medicalexpertwitness.com/ Linkedin: 💼 https://www.linkedin.com/in/j-jordan-romano-5598144/ Socials & Contact Links Facebook: 📘 https://tempofunding.com/facebook Twitter/X: ✖️ https://tempofunding.com/twitter LinkedIn: 💼 https://tempofunding.com/linkedin Instagram: 📸 https://www.instagram.com/tempofunding Email: 📧 mailto:[email protected] #DrJordanRomano #MikeZlotnik #BigMikeFundPodcast #PhysicianInvestor #RealEstateInvesting #HyperLocalRealEstate #LandSubdivision #LandInvesting

In this episode of the Big Mike Fund Podcast, host Mike Zlotnik sits down with Sheldon Wolf, a serial entrepreneur with over 35 years of experience spanning real estate, finance, fintech, and artificial intelligence. Sheldon is the founder and CEO of Intellitary, an AI-powered transaction origination platform that is completely redefining how consumers, realtors, and mortgage lenders connect in real time. Sheldon Wolf is a lifelong entrepreneur, investor, and the founder of Intellitary. Over his four-decade career, he has built multiple high-growth companies across North America, completing millions of dollars in financial and real estate transactions while consistently staying ahead of major technology shifts. STOP! Your free eBook is ready. 🎁🚀 Get into the link to get instant access (before we take it down!): ➡️⏳ https://TempoFunding.com/ebook 📌 Learn our full investment playbook & connect: https://TempoFunding.com/Connect 🔑 Book your FREE strategy call to apply these conservative principles to your portfolio: https://TempoFunding.com/IRCall Timestamps 0:00 – Intro: Meet Sheldon Wolf, Founder of Intellitary 02:30 – 35 Years at the Intersection of Real Estate, Finance, and Tech 08:15 – Why Traditional Real Estate Lead Generation is Broken 14:40 – Inside Intellitary: Live AI Matching vs. Dead-End Lead Lists 21:10 – The "Un-Brokerage" Vision for the Future of Property Tech 28:55 – Code meets Contract: Why Software Needs Real-World Application 36:20 – Hard-Earned Lessons from Scaling Ventures Across Four Decades 44:15 – Sheldon’s Advice for Real Estate Investors and Tech Founders 51:40 – Outro & Where to Learn More About Intellitary Contact Guest Sheldon Wolfe: 🌐 Website: https://intellitary.com 🏢 Investors 2-Way: https://intellitary.com/investors 💼 LinkedIn: https://www.linkedin.com/in/sheldon-wolf-95011520/ Socials & Contact Links Facebook: 📘 https://tempofunding.com/facebook Twitter/X: ✖️ https://tempofunding.com/twitter LinkedIn: 💼 https://tempofunding.com/linkedin Instagram: 📸 https://www.instagram.com/tempofunding Email: 📧 mailto:[email protected] ABOUT US At Tempo Family of Funds & Syndications, we provide diversified, conservative commercial real estate investment opportunities tailored to meet the needs of busy investors. Our offerings include high depreciation deals, strong income funds for passive investors, and hard money loans. We manage everything from private lending to private equity and consulting. #MikeZlotnik #BigMikeFundPodcast #SheldonWolf #Intellitary #RealEstateInvesting #RealEstateAI #PropTech #ArtificialIntelligence #AIinRealEstate #RealEstateLeadGeneration #FinTech