Ekabo Home Financial Freedom Mastermind Podcast
A podcast for those who do not believe they were put on this earth to work 40 to 50 hours per week for 40 to 50 years, to hopefully retire at the age of 65.
173. How A Pharmacist Built Wealth With Student Rentals
Ryan Chaw went from pharmacist to real estate investor, built a $1.5M net worth, and became W-2 optional by 31 using rent-by-the-room rentals. In this episode, we break down how he picks the right markets, uses equity to scale, and runs simple systems that keep student and professional roommate housing running smoothly.
In this episode:
Ryan's origin story and why real estate creates generational wealthHow he saved a big down payment with intense W-2 hours and early investing 💰Using cash-out refis and HELOCs to recycle equity into more propertiesThe rent-by-room cash flow math that replaces a p...172. Set Your Rules Before You List The Property
🏡 We break down the front-end systems that make long-term rentals easier to manage—starting with strong tenant screening, a professionally built lease, and a pre-lease “rent talk” that helps prevent problems before they happen.
We share the exact standards, conversations, and systems we use to reduce turnover, protect the property, and set clear expectations from day one. 🔑
📋 What we cover:
• 📝 Writing your screening standards before listing the property
• 💰 Using income, eviction history, and credit score thresholds
• 🤝 Handling borderline credit with co-signers or higher security deposits
171. Property Management Automation For Buy And Hold Investors
🏠 We lay out the exact system we use to automate long-term rental property management so buy-and-hold investing doesn’t turn into a 2 a.m. lifestyle.
We walk through our software workflow for 💰 rent collection, 🔧 maintenance, 🔑 leasing, 📢 listings, 🔍 tenant screening, and the 📱 resident portal. Then we close with two real landlord horror stories 😬 that show exactly why having strong systems and standards matters.
In this episode, we cover:
• 🏡 Why long-term rentals tend to be one of the least time-intensive strategies once stabilized
• ✅ Front-loading the work through thorough tenant screening and a clear rent talk...
170. Turn A W-2 Into Rental Income
🏠 Build a Real Estate Portfolio While Keeping Your W-2
We break down how to build real wealth through real estate without quitting your day job — using housing as your lever instead of taking on a second job. Learn how house hacking, simple systems, and a focused next-step plan can lower your living costs and build long-term wealth with less stress.
What we cover:
💼 Reframing your W-2 as a business partner that unlocks cheaper lending and funds down payments
🏡 Using house hacking to turn rent into equity and cut your out-of...
169. The Best Time To Sell Is When You Do Not Have To
🏠 Buying the property is only the beginning. Some of the biggest costs can show up when you sell, refinance, or reposition your investment. 💰
In this episode, we break down the simple rules and real numbers we use to avoid giving away profits through closing costs, poor timing, and unnecessary taxes.
Here’s what we cover:
🔹 Why the biggest costs can show up at the exit, not the purchase
🔹 How the market type should influence your decision to sell
🔹 Why we aim to sell only when we don’t hav...
168. How to Increase Multifamily Income Without Taking on More Risk
🏘️ How do you increase cash flow on a small multifamily property without taking on massive renovation costs or unnecessary risk?
In this episode, we break down a repeatable strategy for increasing small multifamily cash flow by combining 🏡 short-term rentals with 🏠 long-term tenants.
We walk through a real Snellville Quadplex Case Study that increases monthly income from roughly $6,000 → $9,000 while keeping renovations, risk, and workload under control. 📈💰
🔍 In This Episode:
• 🧩 Why many small multifamily deals look “broken” on paper—and how creative strategies can fix the numbers
• 💵 The quadplex...
167. The Two-Layer Blueprint For Managing Rentals Across States
🌟 Running Rentals From Anywhere — The Remote Property Management Blueprint 🌟
Welcome back to the Financial Freedom Mastermind! In this episode, we break down the exact systems we use to manage 15 rental units remotely — and how we scaled from a handful of doors into a multi-state mix of long-term rentals, short-term rentals, and even self-storage, all without being tied to any one property.
🔥 Quote of the Day: "You can't scale a rental portfolio on motivation and late-night phone calls. If you want real financial freedom, the operation has to run without you."
💡 What This Means: If your business...
166. You're Choosing the Wrong Loan — Here's What Investors Actually Use!
🌟 Every Real Estate Loan Explained — Which One Is Right for You? 🌟
Welcome to the Ekabo Home Financial Freedom Mastermind Webinar! In this session, host Niyi Adewole breaks down every major real estate loan type and reveals exactly which one fits your situation and investing goals. Most buyers spend months looking at houses and only 10 minutes thinking about their loan. Tonight, we flip that script.
🔥 Quote of the Day: "Most buyers spend months looking at houses and about 10 minutes thinking about the actual loan — and that's a little bit backwards." — Niyi Adewole
💡 What...
165. How I Went From $5,000 to 30 Rental Units — The Simplest Plan!
🌟 From House Hack to 30 Units in 5 Years — The Simple Portfolio Blueprint🌟
Welcome to the Ekabo Home Financial Freedom Mastermind Webinar! In this session, host Niyi Adewole breaks down the exact strategy he used to go from one house hack triplex to 30 units in less than 5 years — without overcomplicating it. If you've been stuck in analysis paralysis wondering how to scale, this episode is your roadmap.
🔥 Quote of the Day: "The trap that most new investors fall into is analysis paralysis. You end up doing nothing, and a year from now you're looking back...
164. If Your Bank Said No, Watch This Before You Give Up!
🌟 5 Ways to Finance Real Estate When Banks Say No 🌟
Welcome to the Ekabo Home Financial Freedom Mastermind Webinar! In this session, host Niyi Adewole breaks down five proven financing paths that don't depend on conventional bank approval — strategies he's personally used and helped clients execute to close deals when traditional lenders say no.
🔥 Quote of the Day: "Banks are one lane on a multi-lane highway." — Niyi Adewole
💡 What This Means: A no from Bank of America or Chase doesn't mean the deal is dead. Mortgage brokers, credit unions, and creat...
163. Stop Using Zillow to Value Properties — It Almost Bankrupted Them!
🌟 How Real Investors Determine Property Value — The CMA Explained🌟
Welcome to the Ekabo Home Financial Freedom Mastermind Webinar! In this session, host Niyi Adewole breaks down how real investors and appraisers actually determine property value — and why trusting Zillow could cost you thousands. With live examples and real appraisals, this episode gives you the exact framework his team uses across Georgia, Florida, and Texas.
🔥 Quote of the Day: "Investors don't hope on price. They run the ARVs based on the CMA and arrive at the true value." — Niyi Adewole
💡 What This Means...
162. Cap Rate vs. Cash-on-Cash Return — Which One Actually Makes You Money?
🌟 Cap Rates vs. Cash-on-Cash Return — What Actually Matters in Real Estate 🌟
Welcome to the Ekabo Home Financial Freedom Mastermind Webinar! In this session, host Niyi Adewole cuts through the confusion around the two most important metrics in real estate investing and reveals the exact return targets his team uses to build wealth through long-term and short-term rentals.
🔥 Quote of the Day: "If you're gonna get into real estate and put time, money, risk, and energy into it, you should be aiming to beat the stock market." — Niyi Adewole
💡 What This Means...
161. The 0.8% Rule — The Only Number You Need to Find Cash Flowing Deals in Atlanta
🌟 The 1% Rule Is Dead — Here's What Replaced It 🌟
Welcome to the Ekabo Home Financial Freedom Mastermind Webinar! In this session, host Niyi Adewole breaks down why the most popular rule in real estate investing no longer works in top markets, and reveals the new rule his team uses to filter hundreds of deals down to the ones that actually cash flow.
🔥 Quote of the Day: "Most people don't fail because the deals aren't out there. Most people fail because they overcomplicate their first move." — Niyi Adewole, Ekabo Home
💡 What This Means...
160. 10 Real Estate Lies You've Been Told That Are Keeping You Broke!
🌟 Top 10 Real Estate Investing Myths Debunked 🌟
Welcome to the Ekabo Home Financial Freedom Mastermind Webinar! In this session, host Niyi Adewole tackles the top 10 myths that are keeping everyday people from building wealth through real estate. If there's something in the back of your mind holding you back from getting started, this episode is going to change the way you think about investing forever.
🔥 Quote of the Day: "We tend to complicate things in our mind, as opposed to simplify them, when we don't know or haven't done it before." — Niyi Adewole
...159. I Didn't Sleep for Weeks Before Buying My First Rental Property — Here's What Happened!
🌟 How to Buy Your First Rental Property: The Step-by-Step Blueprint 🌟
Welcome to the Ekabo Home Financial Freedom Mastermind Webinar! In this session, host Niyi Adewole pulls back the curtain on exactly what it takes to buy your first rental property — from the fear and sleepless nights before closing, to building a portfolio that lets your money work harder than you do. If you've been thinking about getting into real estate but don't know where to start, this episode is your roadmap.
🔥 Quote of the Day: "The first deal is not gonna make you ri...
158. How I Turned $5,000 Into a Six-Figure Check Without Ever Paying My Own Mortgage!
🌟How to Live for Free: The Power of House Hacking🌟
Welcome to the Ekabo Home Financial Freedom Mastermind Webinar! In this session, host Niyi Adewole breaks down one of the most powerful wealth-building strategies available to everyday people — house hacking. From eliminating your largest monthly expense to building a serious real estate portfolio, this episode is packed with real numbers, real stories, and a clear roadmap to get started.
🔥 Quote of the Day: "The only difference between what you're currently doing and a house hack is ownership."
💡 What This Means:
157. How Smart Real Estate Investors Win in Any Market
🌟 Scaling Smart with Short-Term Rentals, Team Building & Real Estate Strategy 🌟
Welcome back to the Ekabo Home Investor Hour! In this episode, host Niyi Adewole sits down with investor Justin Parham (with a live drop-in from AJ) for a real, unfiltered conversation about scaling real estate the right way.
From optimizing short-term rentals and preparing for major events like the World Cup, to delegating smarter, leveraging AI, and transitioning properties from short-term to long-term rentals—this episode is packed with practical, boots-on-the-ground insights.
🔥 Quote of the Episode...
156. Overcome Fear and Self-Doubt with Hypnotherapist Paul Salter!
🌟 Can Hypnotherapist Help You Transform Your Mindset?🌟
Welcome to the Ekabo Home Financial Freedom Podcast! In this episode, we explore the transformative power of mindset and performance with Paul Salter, known as "The Golf Hypnotherapist." Paul is a high-performance mindset coach and certified hypnotherapist with over 15 years of experience helping athletes, entrepreneurs, and professionals break through mental roadblocks.
Paul specializes in using hypnosis and subconscious reprogramming to eliminate self-sabotage, fear, and performance anxiety, particularly for golfers looking to lower their scores. 🎯
🌟 About Paul Salter
Paul combines hypnosis, subconscious reprogramming, and mindset...
155. Seller Credits That Beat Price Cuts
🌟 Navigating Seller Credits and Creative Financing in Real Estate: Insights for 2026! 🌟
Welcome to the Ekabo Home Financial Freedom Mastermind Podcast! In this episode, host Niyi Adewole shares innovative strategies for leveraging seller credits in real estate transactions and discusses how to creatively navigate financing challenges. Join us for an engaging conversation filled with valuable insights and practical tips!
🔥 The Quote of the Day:
"Creativity is intelligence having fun." This quote serves as a reminder of the importance of thinking outside the box when it comes to real estate financing.
🎙️ W...
154. Stop! Don't Make These 7 Realtor Mistakes!
🌟 Maximize Your Success: 7 Mistakes Investors Make with Realtors! 🌟
Hey, everyone! I'm so excited to be joining you here on the first Wednesday of the new year. We're kicking this off with an open session, and I can't wait to dive into some valuable insights with all of you!
🔥 The Quote of the Day:
"We're getting rejuvenated and focused on really setting some goals that are not just achievable, but goals that are gonna stretch us a little bit to force you to achieve by making yourself better." — Niyi Adewole
📝 This...
153. How to Crush Your Goals in 2026: Real Strategies for Real People!
🌟 Goal Setting and Real Estate Insights for 2026! 🌟
Welcome to the Ekabo Home Financial Freedom Mastermind Podcast! In this episode, host Niyi Adewole reflects on the past year and shares valuable insights as we approach 2026. Join us for an engaging discussion filled with strategies for goal setting and real estate success!
🔥 The Quote of the Day:
"Now is the time to really get serious about your goal planning for 2026, so that you can go out there and crush it and accomplish your goals."
— Niyi Adewole
As we approach a new year, r...
152. 10 Real Estate Lessons Learned the Hard Way!
🌟 10 Essential Real Estate Tips from a Decade of Investing! 🌟
Welcome to the Ekabo Home Financial Freedom Mastermind Podcast! In this episode, host Niyi Adewole shares valuable lessons learned over 10 years of real estate investing. Join us for an insightful discussion filled with practical tips and strategies that can help you navigate your own real estate journey!
🔥 The Quote of the Day:
""More money, more problems, so bring on the problems."
- Justin Parham
🔥Acknowledging that challenges will arise, but they are part of the journ...
151. Real Talk on Goal Setting: Small Investors, Limited Time, Major Moves
🌟 Goal Setting and AI in Real Estate: Preparing for 2026! 🌟
Welcome to the Ekabo Home Financial Freedom Mastermind Podcast! In this episode, host Niyi Adewole shares insights on goal setting as we approach the new year and discusses the transformative role of AI in the real estate industry. Join us for an engaging conversation filled with valuable tips and strategies!
🔥 The Quote of the Day:
"People overestimate what they can accomplish in a month but underestimate what they can accomplish in a year with consistent effort and focus." T...
150. Avoiding Bad Math: Laura Rehbein's Guide to Financial Clarity
🌟Most People Worry About The Market; They Should Worry About The Math🌟
Welcome to the Ekabo Home Financial Freedom Podcast! In this episode, join host Niyi Adewole and special guest Laura Rehbein, a private wealth advisor with over 30 years of experience, as they explore the critical aspects of financial security and the importance of understanding your personal finances.
Laura shares her unique journey, which began in rural Michigan, where she learned the importance of budgeting at a young age after the loss of her mother. This early experience shaped her pa...
149. Why Looser Lending And Longer Loans Won’t Fix Housing Affordability!
🌟 Is the 50-Year Mortgage a Smart Move? 🌟
Welcome to the Ekabo Home Financial Freedom Podcast! This open session addresses pressing questions and insights that can help you navigate your journey toward financial freedom. Host Niyi Adewole is joined by his son for a candid discussion on the current landscape of real estate!
🔥 The Quote of the Day:
"If you can't qualify for the home with the 30-year mortgage, going to a 50 is not going to help you."
This quote emphasizes the importance of understanding mortgage options a...
148. How Smart Hosts Survive Airbnb’s 15.5 Percent Fee And Win With Direct Bookings!
🌟 To achieve financial freedom, seize the moment—embrace the power of strategic action, foster community support, and finish the year strong with unwavering determination! Your journey starts now! 🌟
Welcome to the Ekabo Home Financial Freedom Mastermind Podcast! In this episode, host Niyi Adewole discusses the importance of staying focused and accelerating your efforts as we approach the end of the year. Join us for an open session filled with valuable insights and discussions on navigating real estate investments.
💬 Quote of the Day:
"This is the time to acc...
147. Are You Sabotaging Your Financial Future? The Shocking Truth About Delayed Gratification!
🌟 You don’t achieve financial freedom in real estate by playing it safe—you succeed by embracing smart strategies, community support, and long-term vision! 🌟
Welcome to the Ekabo Home Financial Freedom Mastermind Podcast! In this episode, host Niyi Adewole shares invaluable insights on how to navigate the complexities of real estate investment effectively.
💬 Quote of the Day:
"How long can you delay gratification?" — Niyi Adewole
This quote emphasizes the importance of patience in real estate investing. It suggests that making short-term sacrifices, like living in a smaller unit to maximize rental...
146. Unlocking Productivity: The Flow State with Steven Puri!
🌟 Achieve Peak Focus🌟
Welcome to the Ekabo Home Financial Freedom Podcast! In this episode, we dive deep into the fascinating world of productivity and focus with Steven Puri, the founder and CEO of The Sukha Company.
Helping remote workers focus, finish faster, and feel healthy. Founder of The Sukha Company | ex-studio exec/producer at Fox, DreamWorks, and Sony | daily yogi. 🧘♂️
About Sukha (Software Development)
The focus app for remote work. Write, code, or design faster with great flow music, timers, AI assistants, and...
145. Turning Cabins & Homes into Cash: Design & Strategy!
🌟 You don’t win STRs on spreadsheets—you win with smart comps, standout amenities, and intentional design that fits your market🌟
Welcome to the Ekabo Home Financial Freedom Mastermind Podcast! In this episode, host Niyi Adewole joins you from a lively coffee shop, sharing valuable insights and strategies for navigating the world of real estate investment.
🔥 Quote of the Day:
“The house itself is just the base; it’s about how you design it and create an experience.”
– Niyi Adewole
🎙️ E...
144. The Investor's Blueprint: How This Immigrant Turned $100 into Financial Freedom!
🌟 Achieving Financial Freedom: Insights from Earl Yaokasin! 🌟
Welcome to the Ekabo Home Financial Freedom Podcast! I’m your host, Niyi Adewole, and tonight we have a special guest, Earl Yaokasin, a financial architect dedicated to helping individuals build financial freedom through smart investing.
🔥 The Quote of the Day:
"It's essential to do thorough research before making any investment. Just like you would carefully plan a vacation, you should only invest in things you truly understand."
This quote underscores the importance of thorough research and understanding in investing...
143. From Layoff to Success: How Real Estate Changed Lives!
🌟 How to Turn Layoffs into Lucrative Real Estate Opportunities!🌟
Welcome to the Ekabo Home Financial Freedom Mastermind Podcast! Join host Niyi Adewole as he leads an insightful open session with members of the Ekabo Financial Freedom Mastermind group, where they dive deep into real estate investment strategies, personal experiences, and actionable insights that can help you achieve financial independence.
🔥 The Quote of the Day:
“House hacking has provided financial stability and allowed me to travel, despite being laid off from my job at Microsoft.”
– Desmond Howard<...
142. The Fiduciary Advantage: Finding Clarity in Your Financial Journey
🌟 Redefining Financial Freedom: Insights from Michael Scarpati! 🌟
Welcome to the Ekabo Home Financial Freedom Podcast! I’m your host, Niyi Adewole, and today we’re excited to be joined by Michael Scarpati, the founder and CEO of Retire Us, a Fintech platform dedicated to simplifying retirement planning and connecting individuals with independent fiduciary experts.
🔥 The Quote of the Day:
"Money is a jealous mistress. If you do not pay attention to it, it will leave you."
This quote encapsulates the importance of being proactive in your financial journey. Michael emphasizes that awareness and understanding...
141. Is Your Financial Plan Holding You Back? Joel Miller's Insights Could Set You Free!
🌟 Redefining Financial Freedom: A New Approach to Financial Planning with Joel Miller! 🌟
Welcome to the Ekabo Home Financial Freedom Podcast! I’m your host, Niyi Adewole, and today we’re diving into the transformative world of financial planning with our special guest, Joel Miller, the founder of Flames Financial Planning. Joel is here to share his innovative flat fee membership model that is changing the way people approach their financial lives!
🔥 The Quote of the Day:
"Don't take someone else's plan. Forge your own destiny, create your own financial...
140. Time Freedom: The Real Estate Investor's Ultimate Goal
🌟 Jonathan Green reveals how real estate investing can free you from the traditional work path. 🌟
Welcome to the Ekabo Home Financial Freedom Mastermind Podcast! Join host Niyi Adewole as he sits down with the seasoned investor and coach, Jonathan Green. As the managing partner of Streamline Properties, Jonathan brings a wealth of experience in real estate and a deep commitment to building community. In this episode, he shares his journey, insights, and strategies for creating sustainable and ethical wealth.
Episode Highlights:
🔥...
139. Beyond TurboTax: How the Right CPA Changes Everything!
🌟 Mastering Tax Strategies: Keep More of Your Hard-Earned Dollars with Expert Insights! 🌟
Welcome to the Ekabo Home Financial Freedom Podcast! I’m your host, Niyi Adewole, and tonight we’re thrilled to have Thomas Castelli, a CPA and tax strategist, who specializes in helping real estate investors maximize their savings and minimize their tax burdens.
🔥 The Quote of the Day:
"Understanding taxes is the key to financial freedom."
This quote encapsulates the essence of our discussion, highlighting the importance of strategic tax planning for investors.
🔍 We’...
138. Tariffs and Real Estate: What They Mean for Your Next Home Purchase!
🌟The Hidden Impact of Tariffs: How They Affect Your Job and Wallet in Every Industry!🌟
Welcome to the Ekabo Home Financial Freedom Podcast! I’m your host, Niyi Adewole, joined by my co-host Nasir Young. In today’s episode, we’re diving deep into the dynamic world of the Atlanta real estate market, breaking down the latest trends and strategies that every investor, homeowner, and curious onlooker should know!
🔥 The Quote of the Day:
"Love the home, date the rate."
This quote by Niyi Adewole advises homebuye...
137. How to Make Your Money Work FOR You: The Infinite Banking Hack Revealed!
🌟 Unlock Your Financial Freedom: Discover the Infinite Banking Secrets That Will Transform Your Wealth! 🌟
Welcome to the Ekabo Home Financial Freedom Mastermind Group Podcast! Join host Niyi Adewole as he sits down with the eye-opening Jonah Dew, one half of the Banking Bros duo. In this episode, Jonah reveals the secret weapon to achieving financial independence through the Infinite Banking Concept—and it might just change your life!
Episode Highlights:
🔥 Introduction to Infinite Banking:
Jonah shares how he disc...136. Revolutionize Your Life: Lessons from a Vet-Turned-Entrepreneur!
🌟 From Vet to Real Estate Tycoon: How Jason Balara Discovered the Secret to Financial Freedom! 🚀
Join us for an enlightening episode of Vet Life Reimagined, where host Niyi Adewole sits down with the dynamic Dr. Jason Balara, a veterinary surgeon who has transformed his career by venturing into real estate investment. Discover how Jason is not only changing the lives of animals through his mobile surgery service, JMB Mobile Veterinary Surgery, but also empowering professionals across various fields to achieve financial freedom with his innovative company, Lark Capital Group.
🎤 Episode Highlights:
In this e...
135. 🚀 Escape the Rat Race: Real Estate Secrets That Could Make You a Millionaire by 2025! 💰
🌟 Ditch Your 9-to-5: Discover the Secret Real Estate Hacks That Will Make You Rich in 2025! 🌟
Welcome to the Ekabo Home Financial Freedom Mastermind Group Podcast! I’m your host, Niyi Adewole, and I’m thrilled to join you this Wednesday. Can you believe we’re already more than halfway through the second month of the year? Let’s dive into our open session with a compelling quote and tackle some pressing questions from our community!
Episode Highlights:
🔥 The Quote of the Day:
“You have less...
134: Ditch Your 9-to-5: Transform Your Life with Real Estate & Entrepreneurship!
🌟 Break Free from the 9-to-5: Unlock Your Financial Freedom with Game-Changing Real Estate Secrets for 2025! 🌟
Welcome to the Financial Freedom Mastermind Group Podcast! I’m your host, Niyi Adewole, and I’m thrilled to have you join us this Wednesday. Are you ready to escape the never-ending 40 to 50-year work grind? Join us as we unveil transformative investment strategies that can accelerate your journey to financial independence!
🎉 Episode Highlights:
🔥 Exciting Announcement!
Join us for our first in-person event...
