This course breaks down the financing landscape for real estate investors. We explained conventional loans, DSCR loans, hard money and private money lending so you can understand not just how each one works, but which one fits your strategy.

You'll learn how financing structure directly impacts your cash flow, what lenders are really charging beyond the interest rate, and how to match the right loan type to the right deal before you ever make an offer.

Whether you're buying your first investment property or looking to scale, understanding your financing options is one of the most important foundations you can build.

COURSE HIGHLIGHTS:

• Why the wrong financing structure can sink an otherwise good deal.
• How conventional loans work and who they're best suited for.
• What a DSCR loan is and why it's a go-to option for investors without W2 income.
• Explaining why hard money loans make sense and highlighting points to watch out for.
• How private money works and why it can be one of the most flexible tools in your arsenal.
• Matching the right loan type to your strategy: buy and hold, flip, or BRRRR.
• The list of hidden costs most investors miss.
• How to get pre-approved and what proof of financing actually looks like to a seller.

Make sure you’re locked in for next week’s episode! We’re keeping the momentum going with more insights, real stories, and strategies to help you build your real estate business. Hit subscribe, tap the notification bell, and don’t miss what’s coming next.

The Circle's Founder (Ryan Rominger) and Director of Operations (Stuart Smith) delivers practical, structured, and experience-driven insights designed to help aspiring or seasoned investors and other real estate participants to thrive in this industry. This series of training courses focuses on real estate investing, property management, and small business operations. While grounded in the Central Indiana real estate market, the principles shared extend beyond the Hoosier state, staying true to the goal of equipping listeners and learners with actionable guidance and real-world insights they can apply immediately.

Indianapolis Investor Map:

https://earth.google.com/web/@39.82822064,-86.23642807,244.55852422a,143828.53126734d,35y,0h,0t,0r/data=CgRCAggBMikKJwolCiExMXo0Um9JalJtZk5IOHVYd0dvTXpDZ1hlNDZJbDRIU20gAjoDCgEwQgIIAEoICNqbm6sBEAE?_pxl=djoxLGM6YmZjZGJhMzg2MTY0MzAsYTox&authuser=0

Do you have any questions, suggestions, or simply want to reach out? Contact us through this email address:

Gmail = circleinvestorpod@gmail.com

Follow us on all of our socials:

Facebook = www.facebook.com/thecircleinvestor/

Instagram = www.instagram.com/thecircleinvestor/

You can also check our our website for more information:

Website = www.intriguepm.com
Upcoming Investor Meetups = www.intriguepm.com/thecircleindy

Episode 25 of The Circle Investor Podcast features Ryan Boyd, Indianapolis real estate agent, investor, and world traveler, sharing how he built a career in real estate by finding his niche early, leveraging his own investment experience to attract clients, and developing a reputation as one of the sharpest listing agents and renovation advisors in the Indianapolis market.

He opens up on how he stumbled into real estate investing before ever becoming an agent (by using a BRRRR deal on Bigger Pockets to jumpstart an entire client base). From working with out-of-state investors because he looked too young to sell houses, to now leading a team and offering a unique renovation-plus-listing service, Ryan's journey is one of constantly evolving and doubling down on what works.

EPISODE HIGHLIGHTS:

• How Ryan grew up traveling the US in a van and where his love of travel really started.

• The travel hacks, credit card stacks, and point strategies that fund his trips around the world.

• How he used a BRRRR deal and Bigger Pockets to build his first investor clientele.

• Why he started by working with out-of-state investors.

• The renovation-plus-listing service that sets him apart from other agents in the market.

• Why knowing your buyer market by neighborhood is the difference between selling fast and sitting.

• How to navigate sellers who won't take your advice (and when to let go).

• The value of in-person networking over online recommendations as your career grows.

• Why social media success and business success follow the exact same playbook.

• Bali, Dubai, the Seychelles, and the Emirates business class flight for two that cost $500.

• Property management horror stories (including one that got very hairy very fast).

Make sure you’re locked in for next week’s episode! We’re keeping the momentum going with more insights, real stories, and strategies to help you build your real estate business. Hit subscribe, tap the notification bell, and don’t miss what’s coming next.

The Circle's Founder (Ryan Rominger) and Director of Operations (Stuart Smith) discuss what’s happening in the world of Real Estate Investing, Property Management, and running a small business based in Indianapolis. The show focuses on the Central Indiana real estate market, but also explores beyond the Hoosier state to gain intriguing insights in the world of business and real estate investing. We interview our favorite influential people from across Central Indiana (and beyond) to learn from the people having the biggest impact on our market.

Do you have any questions, suggestions, or simply want to reach out? Contact us through this email address:

Gmail = circleinvestorpod@gmail.com

Follow us on all of our socials:

Facebook = www.facebook.com/thecircleinvestor/

Instagram = www.instagram.com/thecircleinvestor/

You can also check our our website for more information:

Website = www.intriguepm.com

Upcoming Investor Meetups = www.intriguepm.com/thecircleindy

Most investors think negotiation is just about getting the lowest price. No, the real leverage is in the terms.

This course breaks down the full landscape of real estate transaction negotiation, from structuring credits and managing due diligence periods to understanding days on market and writing offers that sellers actually take seriously. You'll learn how to approach both sides of the deal with strategy, so you can protect your margins, reduce your risk, and win better terms whether you're buying or selling.

Whether you're an investor looking to sharpen your edge or a first-time buyer trying to navigate your first transaction, this course gives you the practical tools to negotiate smarter (not harder).

COURSE HIGHLIGHTS:

• Why negotiation is about far more than just the purchase price.

• How to use credits strategically to improve your out-of-pocket position.

• The power of days on market and how to read seller motivation.

• How to structure an offer that stands out without overreaching on terms.

• What "a clean offer" means and when to use it as leverage.

• Due diligence strategy and how to avoid terms that disqualify you before you start.

• Common negotiation mistakes that kill deals (and how to avoid them).

• Why discipline and staying out of emotion is your biggest negotiating advantage.

Make sure you’re locked in for next week’s episode! We’re keeping the momentum going with more insights, real stories, and strategies to help you build your real estate business. Hit subscribe, tap the notification bell, and don’t miss what’s coming next.

The Circle's Founder (Ryan Rominger) and Director of Operations (Stuart Smith) delivers practical, structured, and experience-driven insights designed to help aspiring or seasoned investors and other real estate participants to thrive in this industry. This series of training courses focuses on real estate investing, property management, and small business operations. While grounded in the Central Indiana real estate market, the principles shared extend beyond the Hoosier state, staying true to the goal of equipping listeners and learners with actionable guidance and real-world insights they can apply immediately.

Indianapolis Investor Map:

https://earth.google.com/web/@39.82822064,-86.23642807,244.55852422a,143828.53126734d,35y,0h,0t,0r/data=CgRCAggBMikKJwolCiExMXo0Um9JalJtZk5IOHVYd0dvTXpDZ1hlNDZJbDRIU20gAjoDCgEwQgIIAEoICNqbm6sBEAE?_pxl=djoxLGM6YmZjZGJhMzg2MTY0MzAsYTox&authuser=0

Do you have any questions, suggestions, or simply want to reach out? Contact us through this email address:

Gmail = circleinvestorpod@gmail.com

Follow us on all of our socials:

Facebook = www.facebook.com/thecircleinvestor/

Instagram = www.instagram.com/thecircleinvestor/

You can also check our our website for more information:

Website = www.intriguepm.com

Upcoming Investor Meetups = www.intriguepm.com/thecircleindy