5-Minute PRIME: Bite-Sized Investing Insights

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5-Minute PRIME: Bite-Sized Investing Insights

Martin Maxwell

113 episodes

6 days ago

Refinance rates have dipped to 6.18 percent. On the surface, it looks like relief—a break from the 7.5 percent nightmare of early 2024. But here's what the headlines won't tell you: That "cheaper" rate just became a trap. Because while rates fell, lenders changed the entire game. The old rule was simple. Refinance to 80 Loan-to-Value. Maximize leverage. Get the equity out. That playbook built fortunes in 2023. Today, it will destroy your portfolio. In this episode of the 5-Minute PRIME Podcas...

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Self-Improvement

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Refinance rates have dipped to 6.18 percent. On the surface, it looks like relief—a break from the 7.5 percent nightmare of early 2024. But here's what the headlines won't tell you: That "cheaper" rate just became a trap. Because while rates fell, lenders changed the entire game. The old rule was simple. Refinance to 80 Loan-to-Value. Maximize leverage. Get the equity out. That playbook built fortunes in 2023. Today, it will destroy your portfolio. In this episode of the 5-Minute PRIME Podcas...

Show more...

Self-Improvement

Episodes (20/113)

5-Minute PRIME: Bite-Sized Investing Insights

The 6.3% Trap: Why Your Refi Playbook Just Broke

Refinance rates have dipped to 6.18 percent. On the surface, it looks like relief—a break from the 7.5 percent nightmare of early 2024. But here's what the headlines won't tell you: That "cheaper" rate just became a trap. Because while rates fell, lenders changed the entire game. The old rule was simple. Refinance to 80 Loan-to-Value. Maximize leverage. Get the equity out. That playbook built fortunes in 2023. Today, it will destroy your portfolio. In this episode of the 5-Minute PRIME Podcas...

1 week ago

6 minutes

5-Minute PRIME: Bite-Sized Investing Insights

The "Tier 2" Trinity: Why Cleveland, Birmingham & KC Are 2026 Winners

You've heard the advice a thousand times: "Buy in the Sun Belt! Follow the migration!" It worked in 2021. But in 2026, that advice is a trap. The easy money is gone, and the hottest markets are choking on oversupply. So where does the smart money go when the party ends in Nashville and Austin? In this episode of the 5-Minute PRIME Podcast, host Martin Maxwell ignores the national headlines to reveal the "Tier 2 Trinity"—three overlooked markets that are quietly finishing massive infrastructur...

1 week ago

7 minutes

5-Minute PRIME: Bite-Sized Investing Insights

The Real Estate 2025: Closing the Book on Volatility

You've seen the conflicting headlines all year: "Recession Imminent!" followed by "Soft Landing Achieved!" It's enough to give any investor whiplash. But as we close out 2025, what if the chaos is actually over, and the biggest risk to your portfolio right now isn't a crash, but your own refusal to adapt to the new normal? In this Year-End 5-Minute PRIME Podcast, host Martin Maxwell performs a ruthless "Autopsy" on the 2025 market. We are officially closing the book on the "Post-Pandemic Hang...

2 weeks ago

7 minutes

5-Minute PRIME: Bite-Sized Investing Insights

The Safety Formula: How to Bulletproof Your Portfolio Against Rate Shocks

In the last episode, we showed you how to unlock tax-free liquidity from your properties. But accessing cash is only half the battle. If you leverage up without a safety net, one market shift could wipe you out. In this episode of the 5-Minute PRIME Podcast, host Martin Maxwell reveals the defensive playbook. We're moving from "how to get the money" to "how to keep the assets." This is the masterclass on risk management for the high-leverage investor. Tune in to learn: The "Safety LTV" Rule: ...

2 weeks ago

7 minutes

5-Minute PRIME: Bite-Sized Investing Insights

The Tax-Free Payday: How Pros Use Debt as Revenue (And the #1 Trap to Avoid)

We've spent the last few episodes talking about "The Exit" - using 1031 exchanges and DSTs to sell without tax. But what if the best move isn't to sell? What if the best move is to extract your wealth while keeping the asset? In this episode of the 5-Minute PRIME Podcast, host Martin Maxwell executes the pivot from "Exit Strategy" to "Liquidity Strategy." We are opening the playbook on "Strategic Refinancing," the exact mechanism the ultra-wealthy use to live on tax-free debt while their asse...

3 weeks ago

8 minutes

5-Minute PRIME: Bite-Sized Investing Insights

The "Golden Handcuffs" Escape: How to Retire From Real Estate Without Triggering a Tax Bomb

You’ve spent decades building a real estate empire. You have millions in equity. But now, you’re tired. You’re tired of the "Terrible T’s"—Tenants, Toilets, and Trash. You want to retire, travel, and enjoy your wealth. But you are trapped by "Golden Handcuffs." If you sell your portfolio to cash out, the IRS and state tax boards are waiting to take 30% to 40% of your lifetime’s work in depreciation recapture and capital gains tax. In this episode of the 5-Minute PRIME Podcast, host Martin Max...

3 weeks ago

7 minutes

5-Minute PRIME: Bite-Sized Investing Insights

The Holy Grail of Zero Tax: How Real Estate Wipes Out Your W2 Taxes

In previous episodes, we learned how Cost Segregation creates massive "paper losses." But if you have a high-income W-2 job, the IRS has a nasty surprise for you: the Passive Activity Loss rules. They lock those deductions in a box, preventing you from lowering your income tax. Unless... you have the master key. In this episode of the 5-Minute PRIME Podcast, host Martin Maxwell reveals the "Holy Grail" of tax architecture: Real Estate Professional Status (REPS). We break down exactly how this...

4 weeks ago

7 minutes

5-Minute PRIME: Bite-Sized Investing Insights

The Fortress Strategy: Multi-State Asset Protection & The Truth About Privacy

One slip-and-fall lawsuit at a rental in Memphis shouldn't cost you your personal home in California. But if you have a "sloppy" legal structure, that is exactly the risk you are taking. As you scale your portfolio, your liability grows, and the old "one LLC for everything" strategy stops working. In this episode of the 5-Minute PRIME Podcast, host Martin Maxwell builds the "Legal Fortress." We dismantle the amateur mistakes that leave investors exposed and reveal the institutional-grade "Hub...

1 month ago

8 minutes

5-Minute PRIME: Bite-Sized Investing Insights

S-Corp vs. LLC in 2026: The New Math of Tax Savings in Real Estate

You just closed your biggest deal of the year and you’re celebrating a $100,000 profit. But there’s a "silent partner" waiting at the table to take a $15,300 cut before you even pay income tax. That partner is the Self-Employment Tax, and if you are operating as a standard LLC, you invited him in. In this episode of the 5-Minute PRIME Podcast, host Martin Maxwell breaks down why the "One Big Beautiful Bill Act" didn't just fix bonus depreciation—it saved the critical 20% Pass-Through Deductio...

1 month ago

9 minutes

5-Minute PRIME: Bite-Sized Investing Insights

The Cost Segregation Playbook: From Study to Savings (And the #1 Trap to Avoid)

Last week, you learned why cost segregation is an investor's secret weapon, supercharged by 100% bonus depreciation. Now, it's time for the "how-to." How do you actually get a study done? Who do you hire? What does it cost? And what's this "Depreciation Recapture" trap that can cost amateurs their entire tax savings? In this tactical follow-up, the 5-Minute PRIME Podcast, host Martin Maxwell delivers the complete playbook for executing a cost segregation study like a seasoned professional. Tu...

1 month ago

7 minutes

5-Minute PRIME: Bite-Sized Investing Insights

The $500,000 Paper Loss: How the "Big Beautiful Bill" Supercharged Cost Segregation

Ever wonder how professional investors buy a profitable $2 million apartment building... and legally pay $0 in taxes on its income, while you're stuck with a tax bill? It's not magic; it's a high-level strategy. In this episode of the 5-Minute PRIME Podcast, host Martin Maxwell pulls back the curtain on Cost Segregation—a sophisticated tool that institutions use to create massive "paper losses." This isn't just a tax trick; it's a capital acceleration engine, and thanks to the new "One Big Be...

1 month ago

8 minutes

5-Minute PRIME: Bite-Sized Investing Insights

The 1031 Minefield: 4 Fatal Flaws That Cost Investors Millions

Did you know that industry data suggests as many as 30% of all 1031 exchanges fail? One simple mistake—missing a deadline by one day or choosing the wrong partner—can cost you six or seven figures in an unexpected tax bill. In Part 2 of our 1031 deep dive in the 5-Minute PRIME Podcast, host Martin Maxwell walks you through the minefield. Last episode, you learned the powerful fundamentals. Today, you'll learn how to protect your exchange and avoid the catastrophic errors that trap most invest...

1 month ago

7 minutes

5-Minute PRIME: Bite-Sized Investing Insights

The Tax Deferral Engine: How Institutions Use 1031s to Defer Taxes & Build Wealth

Ever wonder why pension funds and ultra-wealthy investors hold onto real estate for decades? They almost never sell. It's not luck; it's a strategy. In this episode of 5-Minute PRIME Podcast, host Martin Maxwell pulls back the curtain on Section 1031 of the Tax Code. This isn't just a tax loophole; it's a powerful wealth-building engine that institutions use to defer capital gains taxes indefinitely—a mechanism that adds over $97 billion to the U.S. GDP annually. Tune in to learn: The "Pensio...

1 month ago

7 minutes

5-Minute PRIME: Bite-Sized Investing Insights

The Pro's Playbook: Analyzing Deals in Seconds with the REI Prime Calculator

Last week, you learned the critical theory—the hidden expenses and "Four Horsemen" that can kill a rental deal. Today, we turn theory into action. Manually building a spreadsheet for every single property is the bottleneck that keeps most investors stuck. To truly scale, you need to be fast, accurate, and professional. In this episode of the 5-Minute PRIME Podcast, host Martin Maxwell gives you a full, tactical walkthrough of the REI Prime Cash Flow Calculator—the exact tool that pros use to ...

1 month ago

7 minutes

5-Minute PRIME: Bite-Sized Investing Insights

The Cash Flow Myth: What Every Investor Gets Wrong

Is that rental property really a good deal? You’ve heard the buzz about a 50-year mortgage plan, but would that even make a bad deal good? The truth is, it doesn't matter if the loan is 50 years or 5 years if the property doesn't cash flow. This is the number one metric that separates professional investors from hopeful amateurs. In this episode of the 5-Minute PRIME Podcast, host Martin Maxwell dissects the most critical, and most misunderstood, number in all of real estate. Forget appreciat...

1 month ago

7 minutes

5-Minute PRIME: Bite-Sized Investing Insights

Tokenization Tactics & Traps: The Real Estate Tokenization

Last week, we opened the door to real estate tokenization – the idea of owning property piece by digital piece. The potential? Huge. But potential doesn't pay the bills, and it certainly doesn't protect your capital. So, is tokenization a smart move for your portfolio in late 2025? In Part 2 of this deep dive on the 5-Minute PRIME Podcast, host Martin Maxwell gets tactical and critical. We explore specific strategies REIs might consider, from low-cost diversification to accessing previously i...

1 month ago

11 minutes

5-Minute PRIME: Bite-Sized Investing Insights

The Tokenization Revolution: What Every REI Needs to Know

Heard about buying fractions of buildings using blockchain? What if you could own a piece of that downtown skyscraper, or a luxury resort overseas, for maybe just $100? This isn't science fiction; it's the emerging world of Real Estate Tokenization. In Part 1 of this deep dive on the 5-Minute PRIME Podcast, host Martin Maxwell demystifies this potentially disruptive force. Forget the hype; understand the core concept of using blockchain to turn property ownership into digital tokens. Discover...

2 months ago

10 minutes

5-Minute PRIME: Bite-Sized Investing Insights

The High-Yield Playbook: Tactics for Real Estate Investors

In our last episode, you discovered the surprising parallels between value-add real estate and high-yield bonds. You now understand the "why." Today, we get into the "how." How can you, an individual investor, add this powerful income stream to your portfolio? And more importantly, what is the bond market's "chatter" telling you about the risks and opportunities in the real estate market today? In this episode of the 5-Minute PRIME Podcast, host Martin Maxwell provides the actionable playbook...

2 months ago

7 minutes

5-Minute PRIME: Bite-Sized Investing Insights

The 'Class C' Playbook: What Junk Bonds Can Teach You About Real Estate

As a real estate investor, you're an expert in physical assets. But what if the principles you use to evaluate a value-add property could be applied to a completely different asset class? What if you could invest in the "debt" side of the deal with the same strategic mindset? In this episode of the 5-Minute PRIME Podcast, host Martin Maxwell pulls back the curtain on high-yield bonds, often called "junk bonds." This isn't a stock market lesson; it's a revelation. Discover the powerful analogy...

2 months ago

7 minutes

5-Minute PRIME: Bite-Sized Investing Insights

The Great American Retirement Pivot (Part 2): Building Your Own Pension with Real Estate

In our last episode, we uncovered the unsettling history of the traditional pension and why the promise of a secure, company-backed retirement is a relic of the past for most Americans. The old playbook is broken. So, what's the new one? In this final episode of our special series on the 5-Minute PRIME Podcast, host Martin Maxwell reveals the solution: how to build your own pension, one that you own and control, through the power of real estate investing. This isn't about speculation; it's a ...

2 months ago

7 minutes