House Money Podcast

The phrase "Just sign this so I can show you homes," spoken or implied, has become one of the most dangerous ideas in the real estate market, turning what should be a professional, protective relationship into a casual formality that runs on "vibes" instead of legal duties. In this episode of the House Money Podcast, we perform an autopsy on the Utah Buyer Broker Agreement to expose the widening gap between normalized industry behavior and the reality of fiduciary duty. We move past the beauty pageant of Realtor marketing to discuss the actual mechanics of buyer representation, where the agent is legally obligated to act in your best interest rather than just unlocking doors or taking a selfie with a stack of offers . In a world where busyness creates motion and motion creates visibility, we’ve mistakenly traded professional judgment for mere immediacy, leaving both homebuyers and sellers vulnerable to a system that relies on consumer confusion.We take a deep dive into the Utah representation contract, which explicitly requires an agent to locate properties—a duty that is often in breach when an agent quietly stops performing because the relationship became inconvenient . We also tackle the uncomfortable reality of compensation, brokerage fees, and exclusivity, explaining why the common refrain that "buyers don't pay their agent" is a half-truth that depends entirely on what you signed and what was actually explained to you . From the "CYA" language regarding professional advice to secondary brokerage fees that are rarely disclosed, this episode uncovers the professional erosion that makes the industry vulnerable to the next major legal reckoning . This season is a call for a higher standard of professionalism where legal contracts are treated with the respect they deserve and consumer advocacy isn't sacrificed for the sake of social media engagement. 

Somewhere along the way, real estate stopped being a service and started feeling like an entitlement.Agents began to believe that effort alone justified outcomes. That time spent automatically earned loyalty. That access meant ownership. And consumers, conditioned by speed and convenience, started treating professional expertise like a free utility.In this episode, I break down how entitlement shows up on both sides of the transaction — from agents demanding referral fees they didn’t earn, to buyers and sellers extracting labor with no intention of commitment. None of this happened in a vacuum. These behaviors were shaped, rewarded, and normalized by the systems we operate inside.And the cost isn’t abstract. It’s financial. It’s emotional. And it’s borne almost entirely by the consumer.Because when entitlement replaces accountability, representation becomes blurred, boundaries disappear, and trust erodes — setting the stage for the next major fracture in this industry.

At some point, real estate stopped rewarding judgment and started rewarding speed.Being first became more important than being right. Responsiveness became a proxy for professionalism. And the industry quietly convinced itself that immediacy was the same thing as value.In this episode, I unpack how speed became the default — why agents adapted to it, how technology accelerated it, and what gets lost when decisions are made faster than they’re understood. This isn’t about blaming agents or platforms. It’s about naming the incentives that reshaped behavior and the consequences consumers now pay for it.Because when speed replaces judgment, everything downstream becomes unstable — from negotiations to outcomes to trust.And once you see it, you can’t unsee it.

Real estate is about to change — again.In this episode, I explain why the industry is facing another major lawsuit, why it shouldn’t surprise anyone, and why this moment is different from what came before.This isn’t about one company, one platform, or one bad actor. It’s about how buyers enter the market, how representation is implied instead of explained, and how incentives and shortcuts we’ve normalized for decades are now being examined under a legal microscope.I break down why a current lawsuit functions as a test case, how it could lead to a broader buyer-centric reckoning, and what that means for agents, brokerages, and consumers alike. Not predictions — just logic.Season 4 is called I Hate Real Estate not because I hate the profession, but because I care enough to be honest about what isn’t working anymore.This episode sets the foundation for the season — and for the conversations this industry has been avoiding.

Struggling with Salt Lake City’s high prices and low inventory in 2025? Join Rychen Jones on the House Money Podcast for a bold real estate solution to make homeownership affordable again! Discover a federal tax holiday proposal for mom-and-pop investors to sell starter homes without capital gains taxes, freeing up inventory for first-time buyers along the Wasatch Front. No zoning battles, no new construction delays—just existing homes for families chasing the American Dream. Learn how this plan boosts local economies, strengthens communities, and cuts urban sprawl. Share this episode to spark change and subscribe for weekly real estate insights tailored to Salt Lake City, Utah County, and beyond! #SaltLakeCityRealEstate #UtahHousingMarket #HouseMoneyPodcastFull House Money Podcast Playlist: https://www.youtube.com/playlist?list=PLNxbQChVtnmgjeAkKEHvjdFW4TPuTxxVRHouse Money Real Estate Platforms:🌐House Money Real Estate Blog: https://housemoneyre.com/blog✳️Spotify: https://tinyurl.com/2f9apx48🍎Apple Podcasts: https://tinyurl.com/pk9mmrwr🖼️Instagram: @HouseMoneyRE 🖥️ Website: https://housemoneyre.comUnlock expert real estate insights for Salt Lake City’s 2025 real estate market with House Money Podcast, your guide to winning in Utah real estate! From buying to selling, get data-driven real estate tips tailored for the Wasatch Front. Subscribe now for weekly real estate strategies! #SaltLakeCityRealEstate #saltlakerealestate #utahrealestate

Emergency podcast! Its been a wild weak of tariffs, stock market swings, and the 10-year treasury spiking above 4.50%. If you are a buyer that's been on the fence and got spooked by mortgage rates also going up this week, this one's for you. I'll lay out my case why a 2/1 buy down is RISKY and present perhaps a better option.**DISCLOSURE** I am not a lender and not of the terms referenced in this episode should be considered accurate - I just do math on a calculator. Talk to a qualified lender for accurate terms and payments based on your circumstances.House Money Real Estate Platforms:✳️Spotify: https://tinyurl.com/2f9apx48🍎Apple Podcasts: https://tinyurl.com/pk9mmrwr🖼️Instagram: @HouseMoneyRE 🖥️ Website: https://housemoneyre.com🌐House Money Real Estate Blog: https://housemoneyre.com/blogRychen Jones is a Real Estate Consultant, Realtor, and owner of House Money Real Estate based in Salt Lake City. Additionally, he is a real estate continuing education instructor as well as speaker and presenter to small and large groups, teams, and at national real estate conferences.Rychen previously spent more than 12 years as a financial advisor before transitioning to real estate in 2018. He is an avid runner and golfer and has completed 26 marathons, a 50k ultra-marathon, seven 50-mile ultra-marathons, and four half-Ironman triathlons

In this episode Rychen shares 5 lessons he learned from a recent cash buyer in Salt Lake City that are applicable to all buyers and buyer's agents. House Money Real Estate Platforms:🌐House Money Real Estate Blog: https://housemoneyre.com/blog✳️Spotify: https://tinyurl.com/2f9apx48🍎Apple Podcasts: https://tinyurl.com/pk9mmrwr🖼️Instagram: @HouseMoneyRE 🖥️ Website: https://housemoneyre.comRychen Jones is a Real Estate Consultant, Realtor, and owner of House Money Real Estate based in Salt Lake City. Additionally, he is a real estate continuing education instructor as well as speaker and presenter to small and large groups, teams, and at national real estate conferences.Rychen previously spent more than 12 years as a financial advisor before transitioning to real estate in 2018. He is an avid runner and golfer and has completed 26 marathons, a 50k ultra-marathon, seven 50-mile ultra-marathons, and four half-Ironman triathlons

New data is in - what would it take for the median Salt Lake City income to afford the median Salt Lake City home? SPOILER ALERT - none of the scenarios are likely. So what now? On this episode of the House Money Podcast, host Rychen Jones breaks down the scenarios, explains the three risks buyers take when they wait, and what action they can take right now.House Money Real Estate Platforms:🌐House Money Real Estate Blog: https://housemoneyre.com/blog✳️Spotify: https://tinyurl.com/2f9apx48🍎Apple Podcasts: https://tinyurl.com/pk9mmrwr🖼️Instagram: @HouseMoneyRE 🖥️ Website: https://housemoneyre.comRychen Jones is a Real Estate Consultant, Realtor, and owner of House Money Real Estate based in Salt Lake City. Additionally, he is a real estate continuing education instructor as well as speaker and presenter to small and large groups, teams, and at national real estate conferences.Rychen previously spent more than 12 years as a financial advisor before transitioning to real estate in 2018. He is an avid runner and golfer and has completed 26 marathons, a 50k ultra-marathon, seven 50-mile ultra-marathons, and four half-Ironman triathlons

When sellers get multiple offers, agents often ask for “highest and best”—but it’s a lazy move that kills your leverage. Join Rychen as he explains why this practice hurts sellers, shares real-world insights, and offers a better strategy to maximize your profit. Tune in and sell smarter!House Money Real Estate Platforms:🌐House Money Real Estate Blog: https://housemoneyre.com/blog✳️Spotify: https://tinyurl.com/2f9apx48🍎Apple Podcasts: https://tinyurl.com/pk9mmrwr🖼️Instagram: @HouseMoneyRE 🖥️ Website: https://housemoneyre.comRychen Jones is a Real Estate Consultant, Realtor, and owner of House Money Real Estate based in Salt Lake City. Additionally, he is a real estate continuing education instructor as well as speaker and presenter to small and large groups, teams, and at national real estate conferences.Rychen previously spent more than 12 years as a financial advisor before transitioning to real estate in 2018. He is an avid runner and golfer and has completed 26 marathons, a 50k ultra-marathon, seven 50-mile ultra-marathons, and four half-Ironman triathlons

Step into the trap—House Money exposes the #1 mistake buyers and agents make touring model homes with guest Travis Maddox, an experienced Salt Lake City builder agent. Learn why upgraded kitchens and premium lots blindside too many buyers with hidden costs and how to avoid the shock. This episode delivers unfiltered advice for navigating new builds, saving money, and winning in today’s market.#RealEstate #SaltLakeCity #HomeBuying #HouseMoney

Is refinancing your Salt Lake City home a lifeline or a trap? House Money breaks it down in this hard-hitting episode. We explore 2025 interest rate trends, when to refi, and the risks of waiting too long. Whether you’re a buyer rethinking your mortgage or a seller eyeing equity, get the unfiltered truth to make bold moves. No fluff, just real strategies to secure your financial future.#RealEstate #SaltLakeCity #HomeBuying #HouseMoney

Communication breakdowns are killing trust in real estate—join us on House Money as we tackle this crisis with guest Cambria Kem, a Salt Lake City expert. We expose why 28% of sellers feel agents don’t communicate enough and how poor dialogue costs deals. Get practical solutions to demand better from your agent or step up your own game. This episode delivers no-nonsense insights for buyers, sellers, and agents to bridge the gap and win in today’s market. Ready to fix the crisis?#RealEstate #SaltLakeCity #HomeSelling #HouseMoney

Selling in 2025? House Money has your back with unfiltered insights for the Salt Lake City Wasatch Front. This episode exposes the harsh truths: builders punking sellers with sneaky tactics, buyers demanding cash concessions, and the pricing game you can’t ignore. Learn how to price your home right by watching flips, move-in-ready homes, and new construction trends—don’t get burned by the market. We break it all down with no-nonsense strategies to help you sell smart, protect your profit, and navigate today’s challenges.#RealEstate #SaltLakeCity #HomeSelling #HouseMoney

Experienced loan officer Jessie Van Wagoner joins the show to discuss all things financing when it comes to investment properties. He shares his expertise helping investors qualify without income or asset verification using debt service coverage loans, how to execute a delayed cash out refinance, and why the recent changes to multi-family financing are massive.

Dive 'Beyond the Board' and unlock real estate success with insights from America’s Favorite Game. In this episode, discover four strategic lessons drawn from winning Monopoly strategies. Gain practical wisdom applicable to buying and selling real estate and turn the iconic game into a blueprint for building your real estate portfolio.

Does it ever make sense to sell your investment property(ies) and start over? In this episode Taylor shares with us the difficult decision he made to sell his investment property, reset himself financially, and what he is doing right now to prepare to get back into the real estate investment game at the right time. If you're holding on to a property that just doesn't seem to fit or is causing you more stress than it's worth, listen to Taylor's story and see if it can help you gain clarity in your own circumstances.

If you've thought about transitioning from residential to commercial real estate investments, then this is a can't-miss episode. Join our conversation with Justin Williams and learn how he and his brother utilized patience and consistency to methodically acquire great cash flowing properties before jumping into the commercial world as franchisees for a growing coffee business. You'll also hear how Justin and his brother (and their mom) maximize their individual skills in their investment partnership, and how Justin uses his experiences as a licensed therapist to guide his investment decisions.

Steven Gabrielsen, CPA is back for a BONUS episode! The feedback from his first appearance (Season 2 Episode 1) was overwhelming so we brought him back on to ask the most common questions about tax-FREE wealth, cost segregations, depreciation, and other topics! Connect with Steven on TikTok or Instagram at @snapbackcpa

Attention Homeowners who have a super low interest rate and payment and think you'll never be able to move: Meet Jessica - a homeschooling mother of 4 who dove headfirst into the real estate investment world this year and with her husband and family kept their first home as a rental, purchased their second home, rented out a portion of it, and lowered their net mortgage payment to $200/month (!!) all while not pulling any money out of their savings to do it. Jessica opens up and shares her secrets and lessons learned on their journey toward financial security Take a listen!

Steven Gabrielson, CPA and President of Creative Advising helps us reframe how we think about the tax code and takes us deep to teach how tax-free wealth can be achieved through real estate investing. In this power-packed hour we touch on cost segregations and depreciation (and why your probably doing it wrong), the different types of income, taxation of short-term rentals and flip projects, and an array of other topics. You can find Steven on Instagram and TikTok at @SnapBackCPA. Other Resources: "Tax-Free Wealth" by Tom Wheelwright www.creative-advising.com

Imagine adding an investment property to your portfolio for less than market value, cash flowing on the property, and not paying anything out of pocket to do it. Sound too good to be true? In this episode, the owners of Build 2 Rent Utah join the show to show you how you can add a cash flowing accessory dwelling unit (ADU) to your existing property, perhaps without any money out of pocket. Jarom and Debbie are real estate investors themselves and created a business building tiny homes on existing properties -with full kitchen, bathroom, and bedrooms - and have partnered with a local lender to assist in financing the ADU utilizing the existing equity in your home with a few different options. And they can get up up and running in about eight weeks. In the local Salt Lake market, adding an ADU to an existing property is less expensive than purchasing a separate property and may yield the cash flow you're looking for. Take listen, then reach out to Jarom and Debbie to see if adding an ADU to your property makes sense! Show Links: Build 2 Rent Website (under construction) http://build2rent-utah.com/ Mid-Term Rental Finder https://www.furnishedfinder.com/ Debbie Hart, Security Home Mortgage https://tinyurl.com/ckppy2zv

You purchased a rental property. Congratulations! Now what? You don't make money if you don't have a tenant and you put yourself at risk of losing money if you don't select the right tenant. In this episode we explore how to best protect your assets once you've purchased them. Experienced property manager Kelsey Maupome joins the show to share what every property owner should know. She shares tips and tricks for those who want to self manage their properties, including how to effectively (and legally) screen for tenants, why you should advertise your listing as "pets negotiable," what perks and amenities renters want and expect right now, and why you should never use the word "deposit." For those who don't want to self-manage, Kelsey shares the differences between large and small property managers, how to identify red flags when interviewing potential managers, and what to expect for what you pay for.

There three things you need to stop doing if you want to build wealth, though real estate or any other means. In this episode we dive into each of the three wealth-building killers and offer solutions for getting onto (or back on) the wealth-building path. We explore three scenarios: purchasing your first property, selling your home and buying your next one, and keeping your current home and buying your next one. Don't get caught in these wealth-killing traps! Understand how and why they prevent you from accomplishing your financial goals and how to escape them if you're currently stuck.

Jake Klima joins us to explain the ins and outs of investing outside of your local market. Jake has purchased three properties outside his local market in the last 10 months using three different financing methods, including his most recent purchase using seller financing and recapturing nearly his entire investment into the property after refinancing. Jake warns that the two things every investor needs to know when buying and rehabbing an out of state property is the After Market Value (ARV) or what the property will appraise for as well as having long term financing lined up BEFORE the purchase. Additional Notes: www.noradarealestate.com Vivid Visions by Cameron Herold

Confused people don't make decisions (and if they do they may not be good decisions). In this episode we dive deep into the 5 Pillars of Clarity every real estate investor must have to give themselves the best chance at investment success. We'll talk about the different goals an investor may have, how to dig deep to uncover true motivations and objectives, how to find and use available assets (see Season 1 Ep. 2 for a deeper discussion of assets), identifying correct price points, payments, and types of properties and why location is always the last pillar. We'll also discuss the consequences of diving in head first without clarity and what the Confused Investor Death Spiral looks like.

Tyler Huxford gives a masterclass on how to find bulletproof properties in any market, how adding value to existing properties can create ridiculous cash flow and may be better than buying an additional property, and why managing your own nightly rental isn’t as hard as you might think if you get these two things right. Take a look at his YouTube channel below to see his conversion of an attached shed to a luxury nightly rental as well as his two Airbnb links. https://www.youtube.com/watch?v=Hap-9ZjPyX4 https://www.airbnb.com/rooms/771059941691358752?source_impression_id=p3_1689170943_TWTEnc42EBMRU88f https://www.airbnb.com/rooms/914023894467734245?source_impression_id=p3_1689170964_0Rzl9w6l4xmjx7st

Have you created a bucket list of the things your want to do, things your want to be, things you want to have, and places you want to go? What did you hope to accomplish creating that list? Was it to help you focus on what was most important to you? In today's episode we focus on helping you create a different type of bucket list but one with the same purpose: clarity. We're talking about your asset bucket list and what may already be on it and what things you want to add to it.

Welcome to House Money! If you've imagined yourself as a real estate investor but don't know where to begin or feel like you've missed the golden opportunity to do so, you're in the right place! The right time to buy the right property at the right price and terms is ALWAYS! We'll talk through everything you need to know to get started and introduce you to new investors who are using a variety of strategies industry experts. Here's the secret: Don't give up before you start!