Real Estate Take Episode 42: Loans, Leverage, and Leveling Up with Ryan’s Real Estate Formula

4. Why Your Life Partner Is Your Most Important Business Decision

In today's episode, I share one of the biggest personal milestones of my life: getting engaged. But this isn't just a story about relationships. It's about why choosing the right life partner can have a bigger impact on your future than almost any business decision you'll ever make. I talk about why I waited until my 30s to get engaged, the importance of aligning on vision, values, and long-term goals, and how the right partner can become the ultimate teammate in both life and business. We also dive into why entrepreneurs rarely talk about relationships, how personal decisions affect business success, and why thinking beyond a 10-year vision can completely change the way you build your future. 00:00 – Intro & engagement announcement 01:20 – The proposal story 03:45 – Why I waited until my 30s 06:45 – Finding the right partner 10:00 – Aligning vision, values & goals 13:30 – Thinking beyond a 10-year vision 16:15 – Why relationships matter for entrepreneurs 18:45 – Building a life, not just a business 20:30 – Final thoughts & lessons learned If you enjoyed this episode, be sure to subscribe, leave a review, and share it with someone building a business, a family, or both. Subscribe for more Beyond the Build episodes: https://www.youtube.com/@beyondthebuildpod [https://www.youtube.com/@beyondthebuildpod] Listen to Spotify: https://open.spotify.com/beyondthebuild [https://open.spotify.com/show/4e8B5ZI75I6wzo6FFw55yo] Listen to Apple Podcasts: https://podcasts.apple.com/beyondthebuild [https://podcasts.apple.com/us/podcast/beyond-the-build-with-wendell-butler/id1784328740] Follow Beyond The Build on Facebook: https://www.facebook.com/beyondthebuildpod/ [https://www.facebook.com/beyondthebuildpod/] Follow Beyond The Build on Instagram: https://www.instagram.com/beyondthebuildpod/ [https://www.instagram.com/beyondthebuildpod/] Follow Beyond The Build on LInkedIn: https://www.linkedin.com/in/beyondthebuild/ [https://www.linkedin.com/showcase/beyondthebuildpod]  Check out more from Wendell Butler: Personal Website: https://wendellbutler.com [https://wendellbutler.com] Facebook: https://www.facebook.com/wendellpbutleriv [https://www.facebook.com/wendellpbutleriv] Instagram: https://www.instagram.com/wendellpbutleriv/ [https://www.instagram.com/wendellpbutleriv/] LinkedIn: https://www.linkedin.com/in/wendellpbutleriv/ [https://www.linkedin.com/in/wendellpbutleriv/]  Subscribe to Newsletter: https://wendellbutler.beehiiv.com/subscribe [https://wendellbutler.beehiiv.com/subscribe] Hammerhead Capital: https://www.hhcapitalrealty.com/ [https://www.hhcapitalrealty.com/] Flip Fuel Lending: https://flipfuellending.com/ [https://flipfuellending.com/] Tide & Timber Ventures: https://www.tidetimberventures.com/ [https://www.tidetimberventures.com/] The Hive: https://jointhehive.co/ [https://jointhehive.co/]

3. Why Most People NEVER Start

In today’s episode, I break down the real reason most people never start the business, brand, podcast, or life they actually want. It’s not a lack of information.It’s fear. Fear of failing.Fear of looking stupid.Fear of losing money.Fear of what other people think. I talk about analysis paralysis, why overlearning becomes an excuse, and how taking imperfect action will always beat waiting for the “perfect time.” This episode is about entrepreneurship, mindset, momentum, and the reality that nobody actually knows what they’re doing when they start. If you’ve been stuck overthinking instead of building, this episode is for you. 00:00 – Intro & batching content 01:20 – Why most people never start 03:10 – Fear of failure & fear of losing 04:50 – Analysis paralysis & overplanning 06:30 – Nobody actually knows what they’re doing 08:10 – Entrepreneurship, failure & momentum 10:00 – Why action takers outperform everyone 11:40 – The danger of endless learning 13:00 – When it’s time to stop learning and start doing 14:20 – Final thoughts & challenge to take action Subscribe for more Beyond the Build episodes: ⁠https://www.youtube.com/@beyondthebuildpod⁠ [https://www.youtube.com/@beyondthebuildpod] Listen to Spotify: ⁠https://open.spotify.com/beyondthebuild⁠ [https://open.spotify.com/show/4e8B5ZI75I6wzo6FFw55yo] Listen to Apple Podcasts: ⁠https://podcasts.apple.com/beyondthebuild⁠ [https://podcasts.apple.com/us/podcast/beyond-the-build-with-wendell-butler/id1784328740] Follow Beyond The Build on Facebook: ⁠https://www.facebook.com/beyondthebuildpod/⁠ [https://www.facebook.com/beyondthebuildpod/] Follow Beyond The Build on Instagram: ⁠https://www.instagram.com/beyondthebuildpod/⁠ [https://www.instagram.com/beyondthebuildpod/] Follow Beyond The Build on LinkedIn: ⁠https://www.linkedin.com/in/beyondthebuild/⁠ [https://www.linkedin.com/showcase/beyondthebuildpod]  Check out more from Wendell Butler: Personal Website: ⁠https://wendellbutler.com⁠ [https://wendellbutler.com] Facebook: ⁠https://www.facebook.com/wendellpbutleriv⁠ [https://www.facebook.com/wendellpbutleriv] Instagram: ⁠https://www.instagram.com/wendellpbutleriv/⁠ [https://www.instagram.com/wendellpbutleriv/] LinkedIn: ⁠https://www.linkedin.com/in/wendellpbutleriv/⁠ [https://www.linkedin.com/in/wendellpbutleriv/]  Subscribe to Newsletter: ⁠https://wendellbutler.beehiiv.com/subscribe⁠ [https://wendellbutler.beehiiv.com/subscribe] Hammerhead Capital: ⁠https://www.hhcapitalrealty.com/⁠ [https://www.hhcapitalrealty.com/] Flip Fuel Lending: ⁠https://flipfuellending.com/⁠ [https://flipfuellending.com/] Tide & Timber Ventures: ⁠https://www.tidetimberventures.com/⁠ [https://www.tidetimberventures.com/] The Hive: ⁠https://jointhehive.co/⁠ [https://jointhehive.co/]

2. The Deal That Went From $120K Profit to BREAK EVEN

Today’s episode is about one of the worst real estate deals I’ve ever been part of. What started as a projected $120,000 profit turned into a complete nightmare filled with foundation issues, retaining walls, grading problems, holding costs, and expensive mistakes that destroyed the margins. I break down exactly where we went wrong, the due diligence mistakes we made, how emotion can kill a deal, and what this project taught me about business, partnerships, and risk management. This is the side of entrepreneurship most people never talk about the losses, stress, and problems happening behind the scenes while everyone online only posts the wins. 00:00 – Intro & why nobody talks about bad deals 01:30 – The original $120K deal plan 04:20 – Foundation issues & hidden problems 07:40 – Lot factor & grading mistakes 10:15 – Driveway and retaining wall disasters 13:20 – How the profit disappeared 15:40 – Due diligence mistakes we made 18:00 – Lessons learned from the deal 19:30 – Final thoughts on business, losses, and partnerships Subscribe for more Beyond the Build episodes: ⁠https://www.youtube.com/@beyondthebuildpod⁠ [https://www.youtube.com/@beyondthebuildpod] Listen to Spotify: ⁠https://open.spotify.com/beyondthebuild⁠ [https://open.spotify.com/show/4e8B5ZI75I6wzo6FFw55yo] Listen to Apple Podcasts: ⁠https://podcasts.apple.com/beyondthebuild⁠ [https://podcasts.apple.com/us/podcast/beyond-the-build-with-wendell-butler/id1784328740] Follow Beyond The Build on Facebook: ⁠https://www.facebook.com/beyondthebuildpod/⁠ [https://www.facebook.com/beyondthebuildpod/] Follow Beyond The Build on Instagram: ⁠https://www.instagram.com/beyondthebuildpod/⁠ [https://www.instagram.com/beyondthebuildpod/] Follow Beyond The Build on LinkedIn: ⁠https://www.linkedin.com/in/beyondthebuild/⁠ [https://www.linkedin.com/showcase/beyondthebuildpod]  Check out more from Wendell Butler: Personal Website: ⁠https://wendellbutler.com⁠ [https://wendellbutler.com] Facebook: ⁠https://www.facebook.com/wendellpbutleriv⁠ [https://www.facebook.com/wendellpbutleriv] Instagram: ⁠https://www.instagram.com/wendellpbutleriv/⁠ [https://www.instagram.com/wendellpbutleriv/] LinkedIn: ⁠https://www.linkedin.com/in/wendellpbutleriv/⁠ [https://www.linkedin.com/in/wendellpbutleriv/]  Subscribe to Newsletter: ⁠https://wendellbutler.beehiiv.com/subscribe⁠ [https://wendellbutler.beehiiv.com/subscribe] Hammerhead Capital: ⁠https://www.hhcapitalrealty.com/⁠ [https://www.hhcapitalrealty.com/] Flip Fuel Lending: ⁠https://flipfuellending.com/⁠ [https://flipfuellending.com/] Tide & Timber Ventures: ⁠https://www.tidetimberventures.com/⁠ [https://www.tidetimberventures.com/] The Hive: ⁠https://jointhehive.co/⁠ [https://jointhehive.co/]

1. Welcome to Beyond the Build

Today’s episode is the intro to Beyond the Build. It’s about why most people are only seeing the highlight reel of entrepreneurship and missing what actually happens behind the scenes. I break down my journey through real estate, sales, lending, and building businesses, and why I decided to stop the polished conversations and just speak the raw truth about what it really takes to build. 00:00 – Why I stopped chasing “highlight reel” entrepreneurship content 02:10 – The truth behind business partnerships and real alignment 05:45 – Why most “success” online is fake or heavily curated 09:20 – 99% getting punched in the mouth, 1% figuring it out 12:40 – My journey through sales, real estate, and lending 16:15 – Why most entrepreneurs misunderstand revenue vs profit 19:50 – Building companies from scratch (and what actually breaks) 23:10 – Why I started Beyond the Build 26:30 – Real operators vs fake gurus 30:00 – What I’m building next Subscribe for more Beyond the Build episodes: https://www.youtube.com/@beyondthebuildpod [https://www.youtube.com/@beyondthebuildpod] Listen to Spotify: https://open.spotify.com/beyondthebuild [https://open.spotify.com/show/4e8B5ZI75I6wzo6FFw55yo] Listen to Apple Podcasts: https://podcasts.apple.com/beyondthebuild [https://podcasts.apple.com/us/podcast/beyond-the-build-with-wendell-butler/id1784328740] Follow Beyond The Build on Facebook: https://www.facebook.com/beyondthebuildpod/ [https://www.facebook.com/beyondthebuildpod/] Follow Beyond The Build on Instagram: https://www.instagram.com/beyondthebuildpod/ [https://www.instagram.com/beyondthebuildpod/] Follow Beyond The Build on LinkedIn: https://www.linkedin.com/in/beyondthebuild/ [https://www.linkedin.com/showcase/beyondthebuildpod]  Check out more from Wendell Butler: Personal Website: https://wendellbutler.com [https://wendellbutler.com] Facebook: https://www.facebook.com/wendellpbutleriv [https://www.facebook.com/wendellpbutleriv] Instagram: https://www.instagram.com/wendellpbutleriv/ [https://www.instagram.com/wendellpbutleriv/] LinkedIn: https://www.linkedin.com/in/wendellpbutleriv/ [https://www.linkedin.com/in/wendellpbutleriv/]  Subscribe to Newsletter: https://wendellbutler.beehiiv.com/subscribe [https://wendellbutler.beehiiv.com/subscribe] Hammerhead Capital: https://www.hhcapitalrealty.com/ [https://www.hhcapitalrealty.com/] Flip Fuel Lending: https://flipfuellending.com/ [https://flipfuellending.com/] Tide & Timber Ventures: https://www.tidetimberventures.com/ [https://www.tidetimberventures.com/] The Hive: https://jointhehive.co/ [https://jointhehive.co/]

Real Estate Take Episode 42: Loans, Leverage, and Leveling Up with Ryan’s Real Estate Formula

Ryan is an avid entrepreneur with a love for real estate. He currently serves as the Producing Branch Manager of Northpoint Mortgage with a focus in house-hack lending. As a top 1% originator nationally, he helps clients confidently buy their first, second, or 5th house-hack utilizing low down payment options. He is currently house hacking a 2 family and self manages a portfolio of 19 units consisting of commercial/residential multifamily and single family while actively seeking his first condo conversion project and next value add commercial property. He is the host of “The Real Estate Lens” podcast, where he shares his experiences, insights, and network as a residential loan officer and active real estate investor. He is also the co-founder of the Informed Investor and Informed Graduate, real estate education programs tailored toward helping young professionals achieve financial freedom through real estate. Connect with Ryan: Instagram: https://www.instagram.com/financewithteamrichards/ [https://www.instagram.com/financewithteamrichards/] Google: https://www.google.com/maps/place/Northpoint+Mortgage+-+Ryan+Richards/@42.2838754,-71.6249435,19z/data=!4m14!1m7!3m6!1s0x89e40ba111776b27:0xccc2f80c174b163e!2sNorthpoint+Mortgage+-+Ryan+Richards!8m2!3d42.2839421!4d-71.6244393!16s%2Fg%2F11s_ygjb2j!3m5!1s0x89e40ba111776b27:0xccc2f80c174b163e!8m2!3d42.2839421!4d-71.6244393!16s%2Fg%2F11s_ygjb2j?entry=ttu&g_ep=EgoyMDI1MTAyOS4yIKXMDSoASAFQAw%3D%3D [https://www.google.com/maps/place/Northpoint+Mortgage+-+Ryan+Richards/@42.2838754,-71.6249435,19z/data=!4m14!1m7!3m6!1s0x89e40ba111776b27:0xccc2f80c174b163e!2sNorthpoint+Mortgage+-+Ryan+Richards!8m2!3d42.2839421!4d-71.6244393!16s%2Fg%2F11s_ygjb2j!3m5!1s0x89e40ba111776b27:0xccc2f80c174b163e!8m2!3d42.2839421!4d-71.6244393!16s%2Fg%2F11s_ygjb2j?entry=ttu&g_ep=EgoyMDI1MTAyOS4yIKXMDSoASAFQAw%3D%3D] Connect with me: Instagram: @Wendellpbutleriv, @Realestatetake Email: Wendell@hhcapitalrealty.com [Wendell@hhcapitalrealty.com]  Website: www.wendellbutler.com [http://www.wendellbutler.com]  DISCLAIMER: I or any guests being interviewed on the “Real Estate Take” podcast are not responsible for any investment decisions that you make or capital losses incurred. We are not licensed tax professionals or any form of wealth advisor unless a particular guest happens to be as such, and all investment decisions should not be made without receiving advice from a licensed professional.