How Return on Investment Changes Based on Credit Score With PMI Does your credit score really matter when you're buying rental properties? Sure, your credit score impacts the mortgage interest rate you can get with traditional mortgages. And yes, your credit score affects how much private mortgage insurance (PMI) will cost. Your credit score can al…

In the Incarnation, Jesus comes to be both fully human and fully God simultaneously. Looking closer at this central doctrine of our faith, we can discover that Jesus was coming to become like us so that he could better help us; believing this essential truth is to see his kingdom come to permeate every facet of our lives. Key Verses: Phillipians 2:…

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6/23/2024 - Genesis 1-2 - The Foundations by Richard SchwartzDoor Richard Schwartz

A Little League Tee-Ball tournament was shut down after parents went on a vulgar tirade on the field. Let's break down all the ways it went wrong. Also, Clarksville gets its "zweiter ALDII," Chris calls for more input on government decisions, and Ryan shares his childhood mayonnaise trauma.Door Clarksvillenow.com

So, are you stressing out over higher mortgage interest rates and properties not cash flowing as well as they used to, or in some markets, not having positive cash flow at all... even with 25% down? What's a real estate investor seeking financial independence to do? In this class, we will compare two strategies. In both strategies, you first buy an…

As children, we are willing to believe and be ready for the impossible. As we grow older though we lose our dependence and faith that God can and will do the impossible. In this sermon, we look at one of the impossible works of God through the true account of God rescuing the Israelites from the Egyptians by parting the Red Sea. As you look at this…

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Guest Speaker Rev. Will Cote, RUF APSUDoor Richard Schwartz

So, you're considering Nomading™. Excellent! But as you dig into the details, you may wonder what the impact would be if you chose to buy a more desirable, higher quality, but maybe less optimal property at full price (without a discount), versus focusing on finding a slightly less desirable, slightly lower quality, but slightly more optimized rent…

Door First Baptist Church Clarksville

We have never seen a lonelier society than we have today. What does Christianity say to loneliness, and what can it offer to lonely people? In this sermon, we look at the important of holy friendships and how we can pursue them in our lives today. Key Verses: Romans 16:3-16

Guest Speaker Rev. James Jardin, RUF Western KYDoor Richard Schwartz

Plans for a juvenile resource center downtown were announced and just as quickly yanked back after a backlash from the community. Plus, some history of Clarksville's snuff tobacco warehouses, a plan to help teenagers get CDLs to drive trucks, and Ryan explains why everyone's great-aunt recorded a Gospel album in the 80s.…

Deal Alchemy™ - Black Box Cash Flow Deal Alchemy™ is all about manipulating returns to get the returns you desire most. One variation of Deal Alchemy™ has you think about your rental property investment as a black box. You put money into the black box, some magical things happen over the next few years and out pops profit which you can spend like c…

Door First Baptist Church Clarksville

When are our hearts become anxious, worried, afraid, or even numb, Jesus tells us to put in our trust in God, and in him. But how? In this sermon, we look at some of Jesus’ final teachings about the reality of our future, the way to walk towards it, and the help we have along the journey. Key Verses: John 14:1-7…

6/2/2024 - Lamentations 3:22-24 - Facing Change by Richard SchwartzDoor Richard Schwartz

The city is in a heated debate over whether to turn Mason Rudolph Golf Course into a park, and Chris concedes he may have rushed to judgment. Plus, Ryan's suggestion to put Lee Greenwood in charge of an EV battery company, and theories on why Ludacris needs a hoe in each area code.Door Clarksvillenow.com

Warning - Risks of Rental Demand Declining When Investing in Real Estate Risk, risk, risk... Life is full of risks. To a limited degree, we get to choose which risks we voluntarily take on. For example, if you choose to invest in real estate, you choose to take on some additional risks that you might not—directly—face if you opt to invest in someth…

Door First Baptist Church Clarksville

Over the last couple of months, we have gone through Biblical stories of people who encountered God in life-changing ways. This week, we close out our series by looking at John, whose knowledge of Jesus’ love for him informed his view of himself, of God, and of the world around him. We can learn a lot from John’s teachings if we are willing to reco…

It's Memorial Day weekend, which means Chris and Ryan are too busy to do their actual jobs. So let's revisit this hit episode from September 2023: A woman gave birth alone in her cell at the county jail - could it have been prevented? Also, how parents are working to improve recess, and the cute story of a little boy who won a girl's heart by givin…

Private Mortgage Insurance Myths Reputation can be a challenging thing. I have found, through many conversations with clients over the years, that Private Mortgage Insurance (PMI) has a questionable reputation with home buyers in general and investors in particular. However, much of its reputation is based on half-truths, bad information, lies, and…

Door First Baptist Church Clarksville

Paul is one of the most accomplished people in the history of the world, and yet he never boasts of his successes. Instead, he boasts of his weaknesses and, more importantly, how he experienced God within them. In this sermon, we look at the importance of weaknesses, how God uses them in our lives, and how he uses them — for us and for the world. K…

Guest Speaker Rev. Tom Darnell, Pastor of Spiritual Formation, Nashville PresbyteryDoor Richard Schwartz

As we close in on becoming Tennessee's fourth-largest city, here's what that means for Clarksville's future. Also, behind the scenes on news that Amazon tripled their hiring, the downtown sinkhole was actually a "dropout," and Chris and Ryan debate whether you should throw candy during parades.Door Clarksvillenow.com

Warning - Risks of Neighborhood Decline When Investing in Real Estate Everything in life has risks. Not investing adds certain types of risks, while investing adds other risks. One risk that some real estate investors face is the possibility that the neighborhood they're investing in will decline, causing values and/or rents to drop. So, how do we …

How do you continue to experience God even when you have failed him? In this sermon, we look at Peter and his betrayal of Jesus, and then how Jesus heals him, restores him, and calls him from a place of love. Key Verses: John 21:15-19

Door First Baptist Church Clarksville

5/12/2024 - Mark 3:20-35 - Our Highest Priority by Richard SchwartzDoor Richard Schwartz

Stories of disaster from the hail and flooding in Clarksville, and the local school district says no to arming teachers with guns. Plus, a cool new development is coming for the downtown snuff warehouses, and Ryan has a great DI idea to save money on EV fire blankets.Door Clarksvillenow.com

How to Analyze a Duplex Some real estate investors are sensitive to their ability to get ten 30-year fixed rate financing loans and would prefer to fill those loan spots with larger purchases than just single family rental homes. One way to do that is to buy more expensive properties like duplexes, triplexes or fourplexes. In this class, James will…

Door First Baptist Church Clarksville

During a time of transition and upheaval, God comes to Isaiah in a vision, and calls him to be a prophet. But first Isaiah must pass through several revelations about God and himself. In this sermon, we look at what Isaiah saw and how it can show us what an experience with God can mean for us today. Key Verses: Isaiah 6:1-8…

5/5/2024 - Acts 2:42-47 - The Marks of the Spirit's Work by Richard SchwartzDoor Richard Schwartz

Breaking down what the 65% increase in home values means for property taxes in Montgomery County. Plus, residents of a Clarksville subdivision are fighting an HOA, an update on the big Wheel Shop fire, and Chris gardens so hard he begins to hallucinate.Door Clarksvillenow.com

How to Calculate PMI If you're a house hacker, Nomad™, investor buying properties with less than 20% down, or buying creatively where the seller has PMI, you'll want to make sure you know how to analyze deals that have Private Mortgage Insurance. In this mini-class, James will cover how to analyze deals that have PMI, with an emphasis on doing it u…

Where do you go when you are at the edge of exhaustion and facing an impossible situation? Elijah goes to God and finds an unexpected experience of silence and stillness — which was exactly what he needed. In this sermon, we look at the importance of stillness and how it can shape our hearts in the midst of our daily lives. Key Verses: 1 Kings 19:8…

Door First Baptist Church Clarksville

Guest Speaker Rev. Weston Duke, RUF Middle TN StateDoor Richard Schwartz

Another large apartment complex is planned in Clarksville, and that's good news. Plus, the risks of building houses too close together, the Microvast layoff, the problem with bald eagles, what a quarter gets you at ALDI's, and Chris has a problem with Huey Lewis.Door Clarksvillenow.com

In many cases—not all, but many cases—real estate investors can speed up the time it takes to become financially independent by choosing to pay off the mortgages on their properties early. Sometimes it makes sense to take every extra dollar beyond a healthy amount of reserves and aggressively pay off properties as quickly as possible. Other times, …

Door First Baptist Church Clarksville

One of the most frustrating things we can experience in our lives is an unanswered prayer. In this sermon, we look at how Hannah faced her unanswered prayers, and how she ultimately experienced God through them in powerful ways. Key Verses: 1 Samuel 1:9-18

Guest Speaker Chase Daws, RUF VanderbiltDoor Richard Schwartz

It's time to find out how much more your house is worth - and your taxes may be going up because of that. Also, arena football is coming to Clarksville, Ryan shows off his cummerbund, and why the "Frankmobile" was a terrible idea.Door Clarksvillenow.com

Deal Alchemy™ - Residential vs Commercial Property Deal Alchemy™ is all about manipulating the returns you're earning on your investments. Often, this is done through the choices we make when selecting the investment property and the strategies we choose to implement. For example, you could choose to invest in residential properties where your tena…

Door First Baptist Church Clarksville