Real Estate Investing for Latinas | Real Estate Chisme

32. NYC Mayor Mamdani vs Slumlords: Rent Control, Housing Policy

Send us Fan Mail [https://www.buzzsprout.com/2542604/fan_mail/new] If you’ve been following the conversations around housing affordability, rent control, and landlord accountability, this episode dives into one of the most controversial real estate debates happening right now. Violeta breaks down the major housing and real estate proposals being pushed by New York City mayor Zohran Mamdani and shares her perspective as a real estate investor on what these changes could mean for landlords, tenants, and the future of investing. From cracking down on slumlords and issuing massive fines for neglected properties to discussions around rent freezes, affordable housing, insurance relief, and over-leveraged investors, this episode explores the tension between protecting tenants and protecting property owners. Violeta also shares her own experiences dealing with distressed properties, preventative maintenance, refinancing strategies, and the realities of managing affordable housing as an investor. We cover: • Zohran Mamdani’s controversial housing and real estate proposals • Rental “rip-off hearings” and tenant accountability initiatives • Why slumlords are facing larger fines and possible property seizures • How neglected maintenance impacts tenants and neighborhoods • The risks of over-leveraging rental properties through refinancing and HELOCs • Preventative maintenance, CapEx planning, and responsible investing • How LLC structures can make landlord accountability difficult • Rent freezes, rising insurance costs, and increasing property taxes • Affordable housing challenges for both tenants and landlords • City-backed insurance relief programs for affordable housing owners • The balance between profit, ethical investing, and community impact This episode is a reminder that real estate investing isn’t just about cash flow and appreciation — it also comes with responsibility. Violeta shares why ethical investing, proper maintenance, and long-term planning matter not only for protecting your assets, but also for protecting the people who live in your properties. Mentioned in this episode: * Free Latinas in Real Estate community  https://www.skool.com/real-estate-jefas-9075/about [https://www.skool.com/real-estate-jefas-9075/about] * Mamdani’s News Links:  * https://www.cbsnews.com/newyork/news/nyc-rent-guidelines-board-preliminary-vote-freeze-hike-rents/ [https://www.cbsnews.com/newyork/news/nyc-rent-guidelines-board-preliminary-vote-freeze-hike-rents/] * https://www.nyc.gov/mayors-office/news/2026/04/mamdani-administration-unveils-first-of-its-kind-insurance-progr [https://www.nyc.gov/mayors-office/news/2026/04/mamdani-administration-unveils-first-of-its-kind-insurance-progr] Join my Latina Real Estate Investors Community (FREE) https://www.skool.com/real-estate-jefas-9075/about [https://www.skool.com/real-estate-jefas-9075/about] Get my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/c8eb949716 [https://moneychisme.kit.com/c8eb949716] Property Management made easy with RentRedi https://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShare [https://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShare] Manage Your Funds with BASELANE Banking https://invite.baselane.com/Violeta84614 [https://invite.baselane.com/Violeta84614] Follow us on Social Media https://www.instagram.com/money_chisme/ [https://www.instagram.com/money_chisme/] https://www.instagram.com/lindoesinvesting/ [https://www.instagram.com/lindoesinvesting/] Disclaimer: We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ... [https://moneychisme.com/privacy-policy/]

31. The Best Mortgage Loans for First-Time Home Buyers & Real Estate Investors (2026)

Send us Fan Mail [https://www.buzzsprout.com/2542604/fan_mail/new] If you’re thinking about buying your first home or investment property but feel overwhelmed by all the mortgage options out there, this episode breaks it all down in a beginner-friendly way. Violeta walks through NerdWallet’s Best Mortgage Lenders of May 2026 and explains which lenders may work best depending on your goals — whether you’re looking into FHA loans, VA loans, HELOCs, manufactured homes, refinancing, or your very first investment property. She also shares her own experiences using VA loans, refinancing, house hacking, and construction loans, plus practical advice on how new investors can use these lending options to start building wealth through real estate. We cover: * The best mortgage lenders for different types of buyers and loans * FHA, VA, HELOC, refinancing, and low down payment options * Credit score and down payment requirements to qualify * House hacking and using rental income to reduce housing costs * Financing strategies for duplexes, multifamily properties, and investment homes * Construction and manufactured home loans * Common mortgage mistakes new investors should avoid * How to choose the right lending strategy for your first property  This episode is a reminder that getting started in real estate investing doesn’t have to feel impossible. With the right financing strategy, education, and a willingness to take the first step, building long-term wealth through real estate can become much more accessible. Mentioned in this episode: *  NerdWallet Best Mortgage Lenders List (May 2026)  [https://www.nerdwallet.com/mortgages/best/mortgage-lenders] * Free Latina real estate investing community [https://www.skool.com/real-estate-jefas-9075/about] Join my Latina Real Estate Investors Community (FREE) https://www.skool.com/real-estate-jefas-9075/about [https://www.skool.com/real-estate-jefas-9075/about] Get my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/c8eb949716 [https://moneychisme.kit.com/c8eb949716] Property Management made easy with RentRedi https://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShare [https://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShare] Manage Your Funds with BASELANE Banking https://invite.baselane.com/Violeta84614 [https://invite.baselane.com/Violeta84614] Follow us on Social Media https://www.instagram.com/money_chisme/ [https://www.instagram.com/money_chisme/] https://www.instagram.com/lindoesinvesting/ [https://www.instagram.com/lindoesinvesting/] Disclaimer: We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ... [https://moneychisme.com/privacy-policy/]

30. How Much Our Rental Properties Actually Made: Q1 Portfolio Recap

Send us Fan Mail [https://www.buzzsprout.com/2542604/fan_mail/new] What happens when rental income looks great on paper—but repairs, vacancies, and property management mistakes drain your cash flow?  In this honest Q1 recap episode of Real Estate Chisme, Violeta and Lindsay break down the real numbers behind their rental portfolios and the unexpected challenges that came with them. From costly repairs and vacant units to frustrating property management issues, they share the lessons they’re learning while navigating the realities of real estate investing. Lindsay reveals how over $41,000 in rental revenue was quickly reduced by rehabs, utilities, management fees, and debt service across her 12-property portfolio. Violeta opens up about a “problem” property that led to surprise bills, city complaints, and growing frustration with her property management company. They also discuss:  • The true cost of vacancies and turnovers  • Managing older properties and unexpected repairs  • Rising property taxes and affordable housing challenges  • Lessons learned from tenant communication and self-management  • How they’re adjusting their strategies moving into Q2 This episode is a transparent look at the ups and downs of building wealth through real estate—and why staying adaptable is key when things don’t go according to plan. Tune in for an honest behind-the-scenes look at what real estate investing really looks like when the spreadsheets, stress, and surprises all collide. Join my Latina Real Estate Investors Community (FREE) https://www.skool.com/real-estate-jefas-9075/about [https://www.skool.com/real-estate-jefas-9075/about] Get my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/c8eb949716 [https://moneychisme.kit.com/c8eb949716] Property Management made easy with RentRedi https://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShare [https://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShare] Manage Your Funds with BASELANE Banking https://invite.baselane.com/Violeta84614 [https://invite.baselane.com/Violeta84614] Follow us on Social Media https://www.instagram.com/money_chisme/ [https://www.instagram.com/money_chisme/] https://www.instagram.com/lindoesinvesting/ [https://www.instagram.com/lindoesinvesting/] Disclaimer: We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ... [https://moneychisme.com/privacy-policy/]

29. 2008 Housing Crash: Mistakes That Nearly Cost Her Everything with Michelle Meyer

Send us Fan Mail [https://www.buzzsprout.com/2542604/fan_mail/new] What if the biggest financial mistake of your life could become the foundation for your freedom? In this episode, Michelle shares her raw and unfiltered journey through the highs and devastating lows of real estate investing—from buying her first home with just 3% down to nearly losing everything during the 2008 Financial Crisis. What started as a dream fueled by refinancing and easy access to equity quickly spiraled into overwhelming debt, risky loans, and hard lessons about trusting the wrong advice. She opens up about using her home like a “checkbook,” navigating an interest-only loan, and the moment she realized she was $100,000+ underwater with no clear way out. But instead of giving up, Michelle fought to rebuild—renting rooms, negotiating with banks, repairing her credit, and slowly regaining control of her finances. You’ll hear how she turned survival into strategy—leveraging tools like the 1031 Exchange, embracing house hacking, and building a portfolio of duplexes that now generate consistent income. Today, she’s on the verge of early retirement, proving that even the toughest setbacks can lead to long-term success. Michelle gets real about what she wishes she knew back then, the importance of financial education, and why discipline and sacrifice are non-negotiable if you want to build wealth. This episode is a must-listen for anyone who’s made financial mistakes, feels behind, or is afraid to start—because Michelle’s story proves it’s never too late to turn things around. Ready to rebuild smarter and create real financial freedom? This is the perspective shift you didn’t know you needed. Connect with Michelle: Facebook: cachetona13@hotmail.com Join my Latina Real Estate Investors Community (FREE) https://www.skool.com/real-estate-jefas-9075/about [https://www.skool.com/real-estate-jefas-9075/about] Get my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/c8eb949716 [https://moneychisme.kit.com/c8eb949716] Property Management made easy with RentRedi https://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShare [https://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShare] Manage Your Funds with BASELANE Banking https://invite.baselane.com/Violeta84614 [https://invite.baselane.com/Violeta84614] Follow us on Social Media https://www.instagram.com/money_chisme/ [https://www.instagram.com/money_chisme/] https://www.instagram.com/lindoesinvesting/ [https://www.instagram.com/lindoesinvesting/] Disclaimer: We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ... [https://moneychisme.com/privacy-policy/]

28. How to Use Hard Money for Real Estate Flips with Martin Castro Silva

Send us Fan Mail [https://www.buzzsprout.com/2542604/fan_mail/new] Most aspiring real estate investors shy away from debt, thinking it's risky or even cheating. But what if leveraging other people's money could fast-track your success—without the fear holding you back? Martin Castro Silva dives deep into the truth about using private and hard money to turn dreams into reality, revealing how he quit a high-salary job and built a thriving flipping empire in Florida. He'll share the raw lessons learned—like how to find private lenders when everyone seems broke, why having a solid business plan is non-negotiable, and how to navigate the stormy waters of contractor nightmares. Discover the secret to acquiring deals with up to 90% financing, how velocity of money can explode your profits, and why execution trumps everything in this game. This episode is a must-listen for anyone feeling stuck, afraid of failure, or unsure how to even start—because Martin’s story proves that action, confidence, and a little bit of boldness can change your life. Whether you're just getting started or needs that final push, you'll leave inspired, empowered, and ready to take your shot. Ready to see how leveraging others' money can unlock your freedom? This is the blueprint you didn’t know you needed. Don’t wait—your real estate breakthrough starts now! Connect with Martin:  @Martinmelmac [https://studio.youtube.com/channel/UCWMcA5QZnnM5ItuDHGFg4dw]  https://martinmelmac.com/ [https://martinmelmac.com/] Join my Latina Real Estate Investors Community (FREE) https://www.skool.com/real-estate-jefas-9075/about [https://www.skool.com/real-estate-jefas-9075/about] Get my FREE Real Estate Investing Starter Kit https://moneychisme.kit.com/c8eb949716 [https://moneychisme.kit.com/c8eb949716] Property Management made easy with RentRedi https://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShare [https://app.rentredi.com/signUp/AOK400?utm_medium=copylink&utm_campaign=referralShare] Manage Your Funds with BASELANE Banking https://invite.baselane.com/Violeta84614 [https://invite.baselane.com/Violeta84614] Follow us on Social Media https://www.instagram.com/money_chisme/ [https://www.instagram.com/money_chisme/] https://www.instagram.com/lindoesinvesting/ [https://www.instagram.com/lindoesinvesting/] Disclaimer: We are not financial advisors. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: ... [https://moneychisme.com/privacy-policy/]