Understanding Your Debt-to-Income (DTI) Ratio

Understanding Your Debt-to-Income (DTI) Ratio

How much home can you actually qualify for, and how do banks calculate your borrowing power? In this archival episode, Kris Krohn demystifies the mortgage underwriting process by introducing the ".43 rule" for Debt-to-Income (DTI) ratios. He explains how your gross monthly income determines your maximum debt allowance and explores the political winds that could shift property qualifications away from personal finances and onto the real merit and profitability of the investment asset itself.

Why Wood is Losing the Homebuilding Game

In this episode, Kris Krohn breaks down the massive, hidden disruption happening inside the walls of American housing: the shift from wood to steel framing. While most people think innovation means smart tech or solar, countries like Australia transitioned decades ago. Kris shares three key ways steel is changing construction—by slashing labor costs, boosting structural resilience against natural disasters, and offering a sustainable solution that aims to save a million mature trees. Learn why this transition represents one of the largest financial and ecological opportunities in modern real estate.

Gold vs. Real Estate: A Fair and Simple Asset Assessment

Gold or Real Estate? Investors ask this question constantly. In this classic archival episode, Kris Krohn delivers a fair, simple assessment comparing precious metals to real estate assets. While both assets have clear merits, Kris breaks down why he keeps his wealth concentrated in high-yield real estate—focusing on monthly tangible cash flow, tax optimization, compound growth, and how he utilizes 50/50 partnerships to scale his monthly acquisitions.

Mastering Wealth to Unlock Your True Purpose

What is the actual connection between money and human happiness? In this archival episode, Kris Krohn and Carson dive deep into the psychology of wealth, explaining why someone in your household must make a committed effort to master the game of money. It isn't about greed; it's about freedom, fulfilling your full human potential, and acquiring the resources necessary to make a massive global impact and redistribute wealth to those who need it most.

Why Home Prices Hold Steady in a Tanking Economy

Pulled straight from the archives, this episode features timeless economic wisdom from Kris Krohn that remains just as relevant today as the day it was recorded. Kris analyzes why housing prices hold steady even when the broader economy faces massive shocks and job losses. Discover how to identify the investment "sweet spot" to secure $300 to $600 a month in positive cash flow per house, and why a down economy is the absolute worst time to wait on the sidelines.