Tony Perri Jr. - Novus Home Mortgage

06/17/2026

Most homebuyers ask the same question:

"Should I go FHA or Conventional?"

The problem is that most people, and even some real estate professionals, don't really understand the differences. This week on Not Another 3 Putt, Tony Perri Jr. and Nick Oosting break down the myths, misconceptions, and real-world math behind FHA and Conventional financing.

They cover:

- Why FHA isn't just for first-time buyers
- Why Conventional isn't always the cheaper option
- Credit score breakpoints that matter
- PMI vs Mortgage Insurance
- Minimum down payment requirements
- Seller concessions and negotiation advantages
- Debt-to-income ratio differences
- Which loan wins in today's market
- If you're buying a home in the next 12 months, this episode could save you thousands of dollars and help you avoid choosing the wrong mortgage.

Because the best loan isn't the one everyone else is getting-it's the one that's right for your situation.

06/15/2026

06/15/2026

When it comes to rental properties, the question isn't what it's worth, it's what your money is earning.

In this week's episode, we break down the key metric every investor should focus on: rate of return. Understanding the numbers can help you separate a great investment from an expensive mistake.

06/15/2026

Stop investing on 'good vibes.'

If you don't know your cap rate, you don't know your return.

Know the numbers before you buy. 📊

06/11/2026

Just because someone on Instagram found a creative way to buy a property doesn't mean it's a good investment.

At the end of the day, the numbers still have to work... A bad deal is a bad deal.

🎙️Rental Numbers Instagram Gurus Hope You Ignore

06/10/2026

A rental bringing in $2,000/month sounds great... Until you subtract management fees. That's one of the expenses many investors forget when running the numbers.

🎙️ New episode out now: The Rental Numbers Instagram Gurus Hope You Ignore.

06/10/2026

This week on Not Another 3 Putt, Tony Perri Jr. and Tony Mitidiero pull back the curtain on the rental property metrics that social media real estate influencers conveniently leave out of their spreadsheets.

Everyone loves posting screenshots of gross rent, cash flow projections, and "passive income" claims—but what happens when reality shows up?

Tony and Tony break down the hidden expenses that can turn a "cash-flowing" rental into a money pit, including:

• Vacancy allowances
• Maintenance and capital expenditure reserves
• Property management fees
• Leasing costs and turnover expenses
• Insurance and property tax increases
• The dangers of over-leverage

The guys also share their favorite shortcuts for spotting bad rental deals before wasting hours analyzing them, including why seller financing isn't always the silver bullet investors think it is—and when a seller's willingness to carry financing might actually be a warning sign.

If you've ever seen an Instagram reel promising financial freedom through rental properties and thought, "What am I missing?" this episode is for you.

Questions We Explore:
• Is a property really cash flowing if you aren't accounting for vacancy?
• What's a realistic maintenance reserve for a rental?
• When does self-management become a second job?
• Why do so many online deal analyses ignore CapEx?
• Could seller financing actually be a red flag?
• What's the fastest way to identify a bad investment property?

Before you buy your next rental, make sure you're looking at the numbers that actually matter.