Intellectually

There’s more to affording a home than just the numbers. In this episode, we talk through the real factors that shape what you can buy, including your lifestyle, career, and personal priorities. We also break down how location affects everything from price to quality of life, and why it matters more than people think. We found some real properties on the market in our area right now and showed a major hidden difference.If you’re trying to figure out whether you’re ready to enter the market in your current situation, take some time to listen to this one.Robert Breyley, REALTOR® | Brey Realty / MORE, REALTORS®C: 618-800-1200 O: 314-806-1100 E: ⁠[email protected]⁠ Chad Hegrat, REALTOR® | Brey Realty / MORE, REALTORS®C: 440-665-3860 O: 314-806-1100E: ⁠[email protected]⁠⁠www.breyrealty.com⁠

In this episode, we break down the most common property types so you can make a smarter decision based on your situation.We talk through single-family homes, condos vs townhomes, and multi-family properties, laying out the real pros and cons of each. Not just the obvious stuff like space or price, but things like maintenance, privacy, lifestyle, investment potential, and long-term flexibility.Then we take it a step further and walk through different real-life scenarios people often find themselves in, whether you’re buying your first home, downsizing, looking for an investment, or just trying to simplify life. Our team gives their honest take on what type of property would actually make the most sense in each situation.If you’ve been stuck wondering “what should I even be looking for,” this episode will help you narrow it down and feel a lot more confident about your next move.Robert Breyley, REALTOR® | Brey Realty / MORE, REALTORS®C: 618-800-1200 O: 314-806-1100 E: [email protected] Chad Hegrat, REALTOR® | Brey Realty / MORE, REALTORS®C: 440-665-3860 O: 314-806-1100 E: [email protected]

In Part 3, the final episode of our Investing Series, we sat down with Josh Litteken, Project Manager at Hero Roofing & Exteriors, to break down what homeowners and investors should actually know about roofing, siding, windows, and more.We get into the numbers behind material costs, what Josh looks for when helping clients troubleshoot issues, and the most common (and expensive) mistakes he’s seen over the years. He also shares how he works with insurance companies during claims, plus some practical DIY tips you can actually use.If you own property, are thinking about investing, or just want to avoid costly surprises, this one’s worth the watch.Topics:Roofing, siding, and window issues to watch forMaterial costs and what impacts pricingCommon problems and how to avoid themWorking with insurance claimsDIY tips and homeowner adviceMake sure to check out Parts 1 & 2 of the series if you haven’t yet.Josh Litteken, Project Manager | Hero Roofing & Exteriors, PLLCC: 618-578-6981O: 618-852-9704E: [email protected] Breyley, REALTOR® | Brey Realty / MORE, REALTORS®C: 618-800-1200O: 314-806-1100E: [email protected] Hegrat, REALTOR® | Brey Realty / MORE, REALTORS®C: 440-665-3860O: 314-806-1100E: [email protected]

Part 2 of our 3-part investing series is here, and this one gets into the financing side of things.We sat down with Matt Dickens from Homestead Financial Mortgage to break down what investing looks like from a lender’s perspective.We talk through house hacking and how lenders view it, what you should have in order before applying for an investment loan, some of the biggest things that can make or break your approval, and much more. Matt also shares programs specific to St. Louis that can help first-time investors get started.If you’ve been thinking about buying your first investment property, or just want to understand how to position yourself better financially, this episode is a solid place to start.Matt Dickens, Loan Officer | Homestead Financial / NMLS# 222524O: 636-734-9255E: [email protected] Breyley, REALTOR® | Brey Realty / MORE, REALTORS®C: 618-800-1200O: 314-806-1100E: [email protected] Hegrat, REALTOR® | Brey Realty / MORE, REALTORS®C: 440-665-3860O: 314-806-1100E: [email protected]

This is part 1 of a 3-part investing series.If you’ve been curious about getting into investing but don’t really know where to start, this is kind of the foundation. We get into the tools and some of the core rules that people throw around all the time, but don’t always explain well.Things like the 1% rule, GRM, DSCR, the 50% rule, cap rate, vacancy rate, and more, and how all of that plays into making a smart decision.In the next parts, we will be bringing in some people from the industry to go deeper from their side, specifically from a lending perspective, and a contractor eye.Robert Breyley, REALTOR® | Brey Realty / MORE, REALTORS®C: 618-800-1200O: 314-806-1100E: [email protected] Hegrat, REALTOR® | Brey Realty / MORE, REALTORS®C: 440-665-3860O: 314-806-1100E: [email protected] Breyley, Real Estate Agent | Brey Realty / MORE, REALTORS®C: 440-679-7141O: 314-806-1100E: [email protected]

Oil prices are surging, construction costs are climbing, and housing fears are on the rise, but how real is the risk of a recession in the U.S.? In this episode, we break down the key factors shaping the current economic landscape:1. How rising oil prices are sending shockwaves through energy and commodity markets2. The cities that are actually feeling the impact, and how St. Louis compares to these major markets3. Whether these pressures in the biggest U.S. cities could spill over and spark a broader economic downturnWe’ll give you the facts, the context, and the stats so you can see what’s happening in real estate, construction, and global markets, and understand what it really means for homeowners, investors, and everyday Americans who might be fearful of another crash.

In this episode, we’re diving into the changes happening in Downtown St. Louis and what they could mean for the future of the city.We talk through the push to convert vacant office buildings into residential spaces, what’s going on with the Millennium Hotel St. Louis, and how the MetroLink plays into accessibility and growth downtown.If you’re curious about development, real estate trends, or just want a better understanding of where the city is headed, this is a conversation you don’t want to miss.Watch the full episode and let us know what you think about the future of downtown in the comments.Robert Breyley, REALTOR® | Brey Realty / MORE, REALTORS®C: 618-800-1200O: 314-806-1100E: [email protected] Hegrat, REALTOR® | Brey Realty / MORE, REALTORS®C: 440-665-3860O: 314-806-1100E: [email protected] Breyley, Real Estate Agent | Brey Realty / MORE, REALTORS®C: 440-679-7141O: 314-806-1100E: [email protected]

THE 3 PHASES OF CLOSING (OUR TEAM’S EXACT SYSTEM)Buying or selling a home doesn’t have to feel chaotic. In this episode, we break down the 3 phases of closing that our team follows on every single deal, and the same system we send to our clients in a personalized closing checklist.If you’ve ever wondered what actually happens after you go under contract… this is it.WHAT WE COVER:PHASE 1: INSPECTIONSWhat to expect during the inspection period, and morePHASE 2: TITLEWhat needs to be cleared before closing, and morePHASE 3: LOANWhat “clear to close” really means, and moreWHY THIS MATTERS:We aren't just winging it! Every buyer and seller we work with gets a custom closing checklist that walks them through these exact phases step-by-step so nothing gets missed.Whether you’re a first-time buyer, seller, or investor, this is the roadmap to getting from under contract → closed with confidence.Subscribe for more real estate breakdowns, tips, and behind-the-scenes insights.Robert Breyley, REALTOR® | Brey Realty / MORE, REALTORS®C: 618-800-1200O: 314-806-1100E: [email protected] Hegrat, REALTOR® | Brey Realty / MORE, REALTORS®C: 440-665-3860O: 314-806-1100E: [email protected] Breyley, Real Estate Agent | Brey Realty / MORE, REALTORS®C: 440-679-7141O: 314-806-1100E: [email protected]

In this episode, we break down what’s really happening behind the scenes with major private credit players like BlackRock, Blue Owl Capital, and Apollo Global Management and why it might matter more than you think.We get into how these firms are stepping in where traditional banks are pulling back, what investors are doing right now, and how it's all shaping the real estate market. From lending shifts to tighter or looser deal flow, we connect the dots between big money decisions and what buyers, sellers, and everyday consumers are actually feeling on the ground.If you’ve been hearing about “private credit” but aren’t totally sure how it impacts you, this episode makes it make sense.🎙️ Topics we cover:• What private credit actually is (in simple terms)• Why institutional money is flowing into it• How firms like BlackRock, Blue Owl, and Apollo are influencing lending• The ripple effect on real estate deals and everyday buyers• What to watch moving forwardWhether you’re in real estate, investing, or just trying to understand where the market is headed, this is one you’ll want to tune into.👉 New episodes every week—make sure to subscribe so you don’t miss what’s next.Reach out to our team if you have any questions or are looking to buyer or sell in the metro St. Louis area:Robert Breyley, REALTOR® | Brey Realty / MORE, REALTORS®C: 618-800-1200O: 314-806-1100E: [email protected] Hegrat, REALTOR® | Brey Realty / MORE, REALTORS®C: 440-665-3860O: 314-806-1100E: [email protected] Breyley, Real Estate Agent | Brey Realty / MORE, REALTORS®C: 440-679-7141O: 314-806-1100E: [email protected]

In this episode we react to some of the most common opinions people have about real estate. You’ve probably heard at least one of these before, or even said it yourself. Rob and Chad go through each statement and give their honest take on whether they agree or disagree based on what they see in the market every day.If you’re buying or selling, this episode might challenge a few assumptions and give you a better idea of how these situations actually play out in real life.

We sat down with a lender to tackle the big questions on affordability and what really matters when planning your next home.

Think the highest offer always wins? Not even close.Robert and Chad break down why price isn’t everything, how contingencies actually work, and which ones matter most in a competitive market.

In this episode, Robert and Chad dive into why vetting your real estate agent is so important, the questions you should ask, and how the right agent can save you time, money, and stress.