EP 71: Is the Traditional Mortgage Model Broken?

In this episode of Sky’s the Limit, Mike sits down with Efri Argaman, Founder and CEO of OwnEZ Inc., a data-driven financial technology company focused on expanding access to homeownership through innovative lending solutions.Efri shares how OwnEZ is using alternative data, including rental history and cash flow patterns, to identify “invisible prime” borrowers who may be overlooked by traditional lending models. We also discuss his experience investing in residential real estate since 2009, covering everything from renting and flipping to financing and new construction.We break down how OwnEZ’s proprietary underwriting technology is helping credit-invisible families, entrepreneurs, and ITIN holders transition from renters to homeowners, while creating opportunities for private investors to earn predictable, asset-backed returns. Efri also shares his perspective on fintech, decentralized finance, blockchain technology, and the future of accessible real estate investing.🔗 Useful Links:• Our Website: https://www.skytreeinvestments.com/podcast• Facebook: https://www.facebook.com/profile.php?id=100063717056842• Instagram: https://www.instagram.com/mikedohertyrealtor/Connect with Efri!• Email: [email protected]=• Phone Number: 737-340-5026• LinkedIn: https://www.linkedin.com/in/efri-argaman/• Website: https://ownez.com#skysthelimitpodcast #RealEstateInvesting #FinTech #Homeownership #RealEstate #RealEstateInvestors #AlternativeLending #MortgageLending #WealthBuilding #Entrepreneurship #FinancialTechnologySubscribe to our YouTube channel to watch our podcast and other related content in video form! https://www.youtube.com/@skysthelimit.podcast