Ray Can Finance It

10/16/2026

Happy 😈 Friday!

👨🏼‍🎨 Let me paint a picture for you.

What are your thoughts on this?

10/14/2026

Before building your portfolio, what does your system look like?

First time rental owners have a tendency to fly by the seat of their pants. This makes scaling difficult.

Have a system and stick to it.

Need help building your system? Comment the word SYSTEM for a blueprint.

10/12/2026

Would you pay someone to manage your first investment property?

This is a common question I see new investors ask. For some it's a yes, for others they should probably outsource.

We're talking about property management this week.

10/07/2026

Wait! Before you start prepaying your mortgage.

Have you answered all nine of these questions?

Many people blindly repay their mortgage. Sure it eliminates future interest, but is it the best use of your money?

Do you have a repayment strategy?

10/06/2026

When is it time to sell?

It's a question investors often ask at the wrong time. Today I'm discussing exit strategy and reasons to reevaluate your portfolio.

Send this video to someone thinking about selling their property.

10/02/2026

LEO and myself have just returned from our leadership conference in California. He was insistent on seeing a boat immediately upon getting to Baltimore. LEO is our new point of sale for our clients, making an even more seamless process.

Personally I've spent the last 24 hours reflecting on the conversations with my peers over the last week. Yes about what we're doing at PRMG Corp | Mortgage Loans but more importantly about the changing landscape of the mortgage industry, our economy, and the future.
Rates are continuing to rise, AI continues to replace many roles in the mortgage process, and a wealth gap that has real estate smack dab in the middle. I don't have all of the answers, but here are a few thoughts on those.

First, the concern over rates is an indicator of a deeper issue, affordability. Ownership has become more expensive and unfortunately we're so deep that does not have an immediate fix, until wages follow. What we as a society need to do is change our relationship and expectation with real estate.
In many places in the world owning real estate is a sign of great wealth and usually a family heirloom. We are probably heading into a future where that may be the case for Americans. Multifamily living, house hacking, and starter homes are more important than ever. Reset your expectations and start building wealth.

Second, AI is here and not going away. As a mortgage professional I really have two options, to focus on larger loans and cater to the upper class; or to focus on elevating people with less assets to a position where they can accumulate generational wealth. For me, my heart will always be with those in need. So my commitment to focusing on first time home buyers and those looking to build small real estate portfolios is firmer now than ever.

Lastly, the growing wealth gap, it's tied to both of the issues above. And the dividing line has really become real estate and specifically how long you own it. If you have found yourself at the bottom of the growing gap, do not wait, it will only get harder. Ask for help, build a plan, and take advantage of the tools earlier in this rant. It's hard, but it's possible.

10/01/2026

So you can pay your mortgage off, but should you?

It's not a simple yes or no.

Every person, portfolio, and property are different. Make sure you have the right strategy.

10/01/2026

Today is the day! Don't miss out on this one!

Optimize your space, save money, gain freedom, achieve peace of mind. Intentional planning and smart decision-making can reliably lead to smoother transitions and better financial outcomes. Join our virtual roundtable and hear from experts in indoor horticulture, energy management, household organiz...

09/29/2026

That minimum payment can be tempting.
But is it a strategy?

It can be, but is often not thought about in that way.

The question is, what is the opportunity cost of the money if you stick to that minimum?

Build a plan for yourself and consider why you've chosen to repay debt the way you have.

09/28/2026

One of the biggest mistakes I see new investors and homeowners make is blindly repaying extra on their mortgage.

Extra payments can certainly save you money in the long run but it's money that is no longer working for you.

Without a strategy your opportunity cost of that money is unknown!

Need help with your strategy? DM me for how to build your repayment strategy.