Calling All Real Estate Investors

The first episode of "Now You Know" with Caeli Ridge is here ! Caeli is going to walk you through calculating your income for mortgage loans as a self-employed person and what this means when applying for a mortgage loan. For more education and access to live events join our Community here ! https://community.ridgelendinggroup.com/events/live-with-caeli As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com Copyright ©2024 Geneva Financial, LLC, DBA Ridge Lending Group NMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights Reserved

Caeli Ridge recorded this episode on 2/20/2024 Remote Real Estate Investing : Pros, Cons & Tips Caeli details the Pros, Cons and Tips to Master Remote Real Estate Investing including diversifying portfolios, thorough research, build reliable local teams, embracing technology, finding reliable property managing partnerships and other topics! https://www.narpm.org/ Check out the video with the screen share and the documentation in the Community and our YouTube Channel. https://www.youtube.com/c/RidgeLendingGroup You can join these live by following this link to join the call: https://community.ridgelendinggroup.com/events/live-with-caeli As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com Copyright ©2024 Geneva Financial, LLC, DBA Ridge Lending Group NMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights Reserved

Caeli Ridge recorded this episode on 2/6/2024 When is the Right Time to Refi? Let’s do the Math! In today's call Caeli discussed the things you should be looking at when you are deciding whether or not to refinance your property. She outlines the checklist that she would recommend you doing before making your decision, to cover all of your bases and make sure that the math is adding up to be the shortest amount of time to recapture your costs in the process. Check out the video with the screen share and the documentation in the Community and our YouTube Channel. https://www.youtube.com/c/RidgeLendingGroup You can join these live by following this link to join the call: https://community.ridgelendinggroup.com/events/live-with-caeli As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com Copyright ©2024 Geneva Financial, LLC, DBA Ridge Lending Group NMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights Reserved

Caeli Ridge recorded this episode on 1/23/2024 Guest Speaker Sam Parker with My Credit Guy Sam Parker of My Credit Guy joins the podcast today to talk about credit, credit repair, the percentages of the different points that make up your credit score, and some really interesting tips and tricks of the trade for building your credit and maintaining a high credit score while investing in real estate. Sam & Caeli have some great Q&A where Sam details a few things you can do to improve your credit score, and how his company can help you in achieving better credit scores by following their personalized guides. Sam also shared with us his website where he partners with Experian, creditsitter.com You can find Sam at mycreditguy.com or www.team-parker.com Check out the video with the screen share and the documentation in the Community and our YouTube Channel. https://www.youtube.com/c/RidgeLendingGroup You can join these live by following this link to join the call: https://community.ridgelendinggroup.com/events/live-with-caeli As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com Copyright ©2024 Geneva Financial, LLC, DBA Ridge Lending Group NMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights Reserved

Caeli Ridge recorded this episode on 1/2/2024 Creative Financing Strategies for Non-Owner Occupied Portfolios Caeli Ridge discusses some really creative options that Ridge Lending Group can offer as it relates to purchases and refinances. Ever wondered about some alternative ways to get funding for your next home or investment property? Tune it to hear about all that Ridge Lending Group offers! Check out the video with the screen share and the documentation in the Community and our YouTube Channel. https://www.youtube.com/c/RidgeLendingGroup You can join these live by following this link to join the call: https://community.ridgelendinggroup.com/events/live-with-caeli As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com Copyright ©2024 Geneva Financial, LLC, DBA Ridge Lending Group NMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights Reserved

Caeli Ridge recorded this episode on 12/26/2023 Risk Management: Understanding Through a Lenders Perspective Caeli Ridge will go through the understanding of risk management as it pertains to the lender, so that investors can have a better understanding of what is going on behind the scenes when it comes to investing in real estate. She will round out the episode by discussing the state of the market and what can be expected in the new year, 2024! Check out the video with the screen share and the documentation in the Community and our YouTube Channel. https://www.youtube.com/c/RidgeLendingGroup You can join these live by following this link to join the call: https://community.ridgelendinggroup.com/events/live-with-caeli As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com Copyright ©2023 Geneva Financial, LLC, DBA Ridge Lending Group NMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights Reserved

Caeli Ridge recorded this episode on 12/12/2023 Guest Speaker Brent Widman from Southwestern Consulting joins today as our guest speaker. Caeli and Brent have a great Q&A on what it means to stay consistent in life and discuss the power of writing your goals down in order to achieve them. They discuss many personal insights on what it means to be successful, and what drives us all! You can contact Brent Widman at bwidman@southwesternconsulting,com or call or text him at 507-382-7641. He offers a 30 minute business action plan so please check him out to help you reach your goals! Check out the video with the screen share and the documentation in the Community and our YouTube Channel. https://www.youtube.com/c/RidgeLendingGroup You can join these live by following this link to join the call: https://community.ridgelendinggroup.com/events/live-with-caeli As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com Copyright ©2023 Geneva Financial, LLC, DBA Ridge Lending Group NMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights Reserved

Caeli Ridge recorded this episode on 11/28/2023 Have you ever been hit with a property tax bill that far exceeded your expectations? You've come to the right place ! Caeli breaks down property tax definitions for us as well as showing us how you can know exactly what you'll be paying in property taxes based on the county in which your property resides. We dive into a Q & A after this explanation as well as some news, updates and expectations for rates and other real estate investment pieces. Check out the video with the screen share and the documentation in the Community and our YouTube Channel. https://www.youtube.com/c/RidgeLendingGroup You can join these live by following this link to join the call: https://community.ridgelendinggroup.com/events/live-with-caeli As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com Copyright ©2023 Geneva Financial, LLC, DBA Ridge Lending Group NMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights Reserved

Guest Speaker Alex Hines Caeli Ridge pre-recorded this episode on 11/3/2023 Caeli and Guest Speaker ( & Ridge Lending Group Borrower) Alex Hines discuss how he has been so successful in real estate investing in just the few years he has been doing it. They go into detail about his properties and how he has been able to fix and flip while still turning a great passive income on his properties. Check out the video with the screen share and the documentation in the Community and our YouTube Channel. https://www.youtube.com/c/RidgeLendingGroup You can join these calls live by clicking on this registration link. As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com Copyright ©2023 Geneva Financial, LLC, DBA Ridge Lending Group NMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights Reserved

Edit Delete How to Prepare for Year-End-Investor Push for Tax Write-Offs Description Caeli Ridge pre-recorded this episode on 10/17/2023 Caeli dives into how to prepare for the year-end closings and investor pushes for tax write-offs. 98% of our industry is only focused on non-owner-occupied transactions. For non-owner-occupied transactions, the end of the year is the slowest but for investors, it is the busiest time of year because everyone is cramming to get year-end tax credits. Closing transactions earlier is key but starting now is not too late. Make sure you have all the necessary documents ready and available. Check out the video with the screen share and the documentation in the Community and our YouTube Channel. https://www.youtube.com/c/RidgeLendingGroup You can join these live each week by following this link to join the call: https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com Copyright ©2023 Geneva Financial, LLC, DBA Ridge Lending Group NMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights Reserved

Caeli Ridge pre-recorded this episode on 10/3/2023 Caeli introduces a new product Ridge Lending Group has - Cross Collateralization Line of Credit for Investment Properties! Individual or Multi-Unit Properties, Residential or Commercial Housing up to 24 units. Starts as minimum line amount of 1 million, and goes all the way to 25 million. 80% LTV, 18-24 month terms, Purchase or Refinance with fixed or floating rate options. Foreign Nationals are eligible for this product. Or in any state other than NY or ND. Interest Rate based off of SOFR (Secured Overnight Funds Rate) + 5.25 Time to Close- 20 days on Average. Pre-Payment Penalty = 0 Recourse and Non-Recourse Options Available. Anything over 3 Million will automatically be Recourse. Check out the video with the screen share and the documentation in the Community and our YouTube Channel. https://www.youtube.com/c/RidgeLendingGroup You can join these live each week by following this link to join the call: https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com Copyright ©2023 Geneva Financial, LLC, DBA Ridge Lending Group NMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights Reserved

Caeli Ridge recorded this episode on 9/19/2023 Guest Speaker Daniel Paloscio This week’s guest speaker is Daniel Paloscio from SEP Capital. He is a seasoned private lender with more than a decade of experience in residential real estate. His track record includes over 600 loans successfully closed since 2013. This extensive experience in the industry has honed his ability to attract and underwrite high-quality, low-risk private mortgages, ultimately leading him to start SEP Capital. Caeli and Daniel have a Q& A session detailing some of the biggest questions about SEP capital, how it works, what you need to do to become an investor, and lots more! You can contact Daniel Paloscio at daniel@sepcapital.com or visit sepcapital.com Check out the video with the screen share and the documentation in the Community and our YouTube Channel. https://www.youtube.com/c/RidgeLendingGroup You can join these live each week by following this link to join the call: https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com Copyright ©2023 Geneva Financial, LLC, DBA Ridge Lending Group NMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights Reserved

Caeli Ridge recorded this episode on 9/5/2023 uDirect IRA Services with Special Guest Speaker Kaaren Hall Kaaren Hall founded and made a resounding success of uDirect IRA Services. She discovered a strategic way to put her 20+ year experience in mortgage banking, real estate and property management to use. The solution was an untapped market for both her skills and for Investors- self-directed IRAs. Through uDirect, she has guided tens of thousands of Americans through the process of diversifying their investments using self-directed IRAs with $1B+ Under Management. In this recording, Real Estate Investors will learn how to use their retirement savings to invest in real estate and how to use the retirements savings of others for your real estate projects. Check out her services at udirectira.com or email info@udirectira.com Check out the video with the screen share and the documentation in the Community and our YouTube Channel. https://www.youtube.com/c/RidgeLendingGroup You can join these live each week by following this link to join the call: https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com Copyright ©2023 Geneva Financial, LLC, DBA Ridge Lending Group NMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights Reserved

Caeli Ridge recorded this episode on 8/29/2023 The Income Snowball with Tanisha Souza from Tardus Wealth Strategies Tanisha presents her Income Snowball method of acquiring rental properties and how to build a real estate portfolio fast in any market. She details how Tardus and their patented calculator can help you in achieving financial freedom. Her presentation goes into detail on how to buy rentals without using savings ( Not the BRRR Method), how to acquire multiple assets with the same dollars, build a rental portfolio fast, creative massive monthly cash flow reserves and how to always be prepared for Real Estate buying opportunities. Check out the video with the screen share and the documentation in the Community and our YouTube Channel. https://www.youtube.com/c/RidgeLendingGroup You can join these live each week by following this link to join the call: https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com Copyright ©2023 Geneva Financial, LLC, DBA Ridge Lending Group NMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights Reserved

Caeli Ridge recorded this episode on 8/15/2023 Amortized vs. Interest Only Loans This week Caeli will be going into detail about Amortized (Close Ended) vs. Interest Only (Open Ended) Loans. She will highlight the differences and when you should be looking at either one as an option for your next loan transaction depending on your scenario. Check out the video version on our YouTube page to see the Loan Amortization Schedule she is using and follow along. https://youtu.be/ezHbjDy5iDo Q&A throughout the episode on these topics and more! Check out the video with the screen share and the documentation in the Community. You can join these live each week by following this link to join the call: https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com Copyright ©2023 Geneva Financial, LLC, DBA Ridge Lending Group NMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights Reserved

Caeli Ridge recorded this episode on 8/1/2023 DSCR vs. Conventional Loans & How to Compare Percentages of LTV's. Tune in to this week's Calling All Real Estate Investors live event with Caeli to learn the differences between a DSCR (Debt Service Coverage Ratio) Loan and a Conventional Loan. Caeli will also review how to do the math when comparing LTVs (Loan to Value) per transaction. When should you pocket the extra down payment vs. when you should put more down. Q&A throughout the episode on these topics and more! Check out the video with the screen share and the documentation in the Community. You can join these live each week by following this link to join the call: https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com Copyright ©2023 Geneva Financial, LLC, DBA Ridge Lending Group NMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights Reserved

Caeli Ridge recorded this episode on 7/25/2023 Recourse vs. Non-Recourse Loans Caeli provides an overview of what recourse and non-recourse loans are and in what situations you would choose one over the other. She details that the difference in rates and terms between the two options is significant, and that she does not see a place for non-recourse loan options in most cases as it pertains to real estate investors purchasing 1-4 unit residences. Caeli's surprise is an exciting new loan option for Ridge Lending Group that Caeli has been working tirelessly to secure for our borrowers. Q&A throughout the episode on these topics and more! Check out the video with the screen share and the documentation in the Community. You can join these live each week by following this link to join the call: https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com Copyright ©2023 Geneva Financial, LLC, DBA Ridge Lending Group NMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights Reserved

Caeli Ridge recorded this episode on 7/18/2023 Short Term Rental Tips and Tricks Curveball! This week Caeli does a brief overview of what an amortized loan is vs. an interest only loan, with a short pro & con list of each. She will come back next week with a deeper dive and some great visual aids. Caeli discusses the topic for our July Newsletter which is what you can do to set your short term rental vacation home apart from others this summer season. Check out the newsletter on our website. https://ridgelendinggroup.com/july-2023-summer-cash-flow-tips-tricks-monthly-newsletter/ Check out the video with the screen share and the documentation in the Community. You can join these live each week by following this link to join the call: https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com Copyright ©2023 Geneva Financial, LLC, DBA Ridge Lending Group NMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights Reserved

Caeli Ridge recorded this episode on 7/11/2023 To Pay or Not to Pay Points, That is the Question. And it might be a trick question... During this episode Caeli details how to figure out what your interest rate will be.. the old school way. By using a chart and, say it with me "Doing the Math" :) This breakdown explains why interest rates end of being what they are and everything that goes into their pricing. Caeli explains Ridge Lending Group's points and why you may or may not have to pay points in any given transaction and the why behind it. We have lots of great questions this week that are interspersed through the event. Check out the video with the screen share and the documentation in the Community. You can join these live each week by following this link to join the call: https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com Copyright ©2023 Geneva Financial, LLC, DBA Ridge Lending Group NMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights Reserved Privacy Policy | Legal Disclosure | Consumer Access | Texas Mortgage Notice

Caeli Ridge recorded this episode on 6/27/2023 Caeli details Ridge Lending Group's list of the Top 10 Things TO DO during a loan transaction. Some of this list may resonate easily with you, while with others you may have never thought of their importance. Tune in to hear Caeli's insight and expertise on the list. A spirited Q & A from our members during the live event following the list ! Check out the list on our website here ! https://ridgelendinggroup.com/top-10-things-to-do-during-a-loan-transaction/ Check out the video with the screen share and the documentation in the Community. You can join these live each week by following this link to join the call: https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com Copyright ©2023 Geneva Financial, LLC, DBA Ridge Lending Group NMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights Reserved Privacy Policy | Legal Disclosure | Consumer Access | Texas Mortgage Notice