The REAL Wealth Formula Podcast

Most people buy real estate at full price.Wealthy investors don’t — and in this episode, you’ll learn exactly how they do it.
In this episode of The Real Wealth Formula Podcast, Brad Hovis sits down to break down how smart investors find and buy properties below market value — even in 2025’s competitive housing market.
You’ll learn the exact process used by experienced investors to get off-market deals, work with wholesalers, negotiate directly with sellers, and avoid competing on Zillow or MLS listings. This is about strategy, not speculation — and it’s how real wealth is built in real estate.
If you’re tired of getting outbid, waiting for a crash, or wondering how people keep finding good deals — this episode gives you the roadmap.
💡 Key Takeaways
Why wealthy investors never pay retail for real estate
How to find off-market and discounted properties
The truth about wholesalers — and how to work with them
How many offers it really takes to land a deal
Why waiting for a housing crash is the most expensive mistake
🔗 Resources and Links Mentioned
REIBIZ: reibiz.comFreedomSoft: realwealthformula.com/sponsorsPropStream: realwealthformula.com/sponsors
🤝 Connect With Us
Website: www.realwealthformula.comPhone: 877-77-MOGULEmail: podcast@realwealthformula.com
📱 Social Media Channels
Facebook: Real Wealth FormulaLinkedIn: Real Wealth FormulaInstagram: @realwealthformulaX (Twitter): @realwealthshowTikTok: @realwealthformulaYouTube: Real Wealth Formula
 
⏳ Chapters
00:00 – Introduction01:10 – Why Most People Overpay for Real Estate03:00 – How Investors Actually Find Deals05:20 – Wholesalers & Off-Market Properties07:45 – Retail Price vs. Investor Price09:30 – How to Talk to Sellers11:15 – The Real Formula for Buying Below Market13:40 – Stop Waiting for the Perfect Market15:20 – How Wealthy People See Real Estate17:05 – What Buyers Need to Know Right Now19:00 – How to Win in This Market21:10 – Real Wealth vs. Just Owning Real Estate23:00 – Final Takeaways

Everyone’s asking what’s next for the real estate market — but few are giving real answers.
In this episode of The Real Wealth Formula Podcast, host Brad Hovis breaks down what’s actually happening in the housing market for the rest of 2025.
Brad cuts through the noise with a clear, data-informed, and faith-grounded conversation about market trends, investor behavior, and how to make wise financial moves even in uncertain times.
This isn’t about hype or headlines — it’s about building confidence and clarity through the R.E.A.L.L. process: Reduce Expenses, Enlarge Active Income, Acquire Passive Income, Live on Passive Income, and Leave a Legacy.
If you’ve been waiting to buy, invest, or expand your real estate portfolio, this episode will help you understand what’s really happening — and how to prepare for what’s next.
 
💡 Key Takeaways
The truth about what’s coming for the 2025 housing market
 
Why fear-driven investing leads to missed opportunities
 
How to find peace and purpose in financial uncertainty
 
Real steps to build wealth through any market cycle
🔗 Resources and Links Mentioned
REIBIZ: reibiz.comFreedomSoft: realwealthformula.com/sponsorsPropStream: realwealthformula.com/sponsors
🤝 Connect With Us
Website: www.realwealthformula.comPhone: 877-77-MOGULEmail: podcast@realwealthformula.com
📱 Social Media Channels
Facebook: Real Wealth FormulaLinkedIn: Real Wealth FormulaInstagram: @realwealthformulaX (Twitter): @realwealthshowTikTok: @realwealthformulaYouTube: Real Wealth Formula
 
⏳ Chapters
00:00 – Welcome & Episode Intro01:20 – What’s Really Happening in Real Estate03:45 – 2025 Market Predictions07:10 – The Truth About “Waiting for the Crash”10:25 – Interest Rates and Buyer Behavior13:00 – How Investors Are Adapting16:40 – The Psychology of Market Fear20:15 – Real Estate vs. Inflation24:30 – Should You Buy or Wait?28:55 – How Wealthy People See This Market33:20 – The Biggest Mistake Buyers Are Making37:10 – Where Smart Money Is Moving in 202541:05 – How to Win in This Market45:30 – The Mindset Behind Real Wealth49:40 – The Future of Real Estate Investing53:25 – Final Thoughts and Takeaways56:10 – Real Wealth Reflection
 
 
 

Most people think debt forgiveness is the finish line.For Daquarii, it was just the beginning.
After getting $165,000 in student loans forgiven, she expected to feel free, but what happens when the debt is gone and purpose is still missing?
In this episode of The Real Wealth Formula Podcast, host Brad Hovis sits down with Daquarii to uncover what financial freedom really looks like after the weight of debt disappears. Together, they dive into the emotional and practical side of money, rebuilding income, confidence, and purpose after years of financial pressure.
This conversation reveals the other side of becoming debt-free: the mindset, meaning, and daily habits that lead to lasting freedom, not just relief.
If you’ve ever thought “I should feel free by now,” this episode will change how you see financial success.
 
💡 Key Takeaways
Debt-free doesn’t always mean free.
Freedom without purpose can feel empty.
Financial freedom requires rebuilding mindset and mission.
Underemployment is often a mindset before it’s a money problem.
The real goal isn’t debt forgiveness — it’s life transformation.
🔗 Resources and Links Mentioned
REIBIZ: reibiz.comFreedomSoft: realwealthformula.com/sponsorsPropStream: realwealthformula.com/sponsors
 
🤝 Connect With Us
Website: www.realwealthformula.comPhone: 877-77-MOGULEmail: podcast@realwealthformula.com
📱 Social Media Channels
Facebook: Real Wealth FormulaLinkedIn: Real Wealth FormulaInstagram: @realwealthformulaX (Twitter): @realwealthshowTikTok: @realwealthformulaYouTube: Real Wealth Formula
 
⏳ Chapters
00:00 – Introductions01:30 – Meet Daquarii04:00 – Teaching, Contracts, and Life on the Road07:00 – “Gainfully Underemployed”10:00 – Breaking Down the Budget13:00 – The Hidden Cost of Comfort16:00 – Facing Debt with Honesty20:00 – The Turning Point: $165,000 Forgiven23:00 – Processing the Miracle26:00 – The Emotional Aftermath30:00 – What Happens After the Win33:00 – Redefining Financial Freedom37:00 – The Purpose Gap41:00 – From Forgiveness to Foundation45:00 – The Real Wealth Conversation49:00 – Faith, Identity, and Purpose Alignment53:00 – Real Wealth Rating & Reflection57:00 – Closing Thoughts 
 
 
 

How do you actually raise private money for real estate — without hype, pressure, or losing your integrity?
In this episode of The Real Wealth Formula Podcast, host Brad Hovis sits down with Adam Adams, a real estate investor who has raised millions in private capital, to uncover the real 5-step process to raising money the right way.
They break down why “good deals” aren’t enough to attract investors — and how faith, integrity, and trust are the ultimate foundation for long-term wealth building.
If you’ve ever struggled to find funding for your deals or wondered how top investors attract capital ethically, this episode is your roadmap to doing it with confidence and character.
 
💡 Key Takeaways
Good deals don’t automatically attract capital — people invest in you, not just the numbers.
The 5-step process to raising private money with integrity.
Why building your team and your reputation comes before finding deals.
The conversations that lead to real investor commitments.
How character compounds faster than marketing.
🔗 Resources and Links Mentioned
REIBIZ: reibiz.comFreedomSoft: realwealthformula.com/sponsorsPropStream: realwealthformula.com/sponsorsRoll Over To Retire Book: rollovertoretire.com
🤝 Connect With Us
Website: www.realwealthformula.comPhone: 877-77-MOGULEmail: podcast@realwealthformula.com
📱 Social Media Channels
Facebook: Real Wealth FormulaLinkedIn: Real Wealth FormulaInstagram: @realwealthformulaX (Twitter): @realwealthshowTikTok: @realwealthformulaYouTube: Real Wealth Formula
 
📱 Guest Details
Adam AdamsLinkedinThe Podcast on Podcasting
 
⏳ Chapters
00:00 – How to raise private money for real estate deals00:35 – The truth: good deals don’t automatically attract money01:00 – Step 1: Get educated before you raise capital02:00 – Step 2: Select a strong market with tailwinds03:06 – Step 3: Build your team before finding deals06:30 – Step 4: Start raising capital before you have a deal08:26 – How to talk to investors and get pre-commitments15:03 – Why you need triple the commitments you think22:23 – Real ways to find investors (letters, meetups, events)25:48 – How to stay SEC-compliant while raising capital28:00 – Adam’s story: almost losing $500K of investor money31:10 – Integrity builds trust (and more wealth than marketing)33:43 – Your first million comes from friends and family35:15 – The millionaire next door: real wealth doesn’t flash39:07 – Fitness, focus, and financial success (compound effect)42:00 – How small habits create big wealth45:00 – Conclusion
 
 
 

How do you actually achieve financial freedom — not just more money, but more life? In this episode of The Real Wealth Formula Podcast, host Brad Hovis shares his personal journey from financial struggle to true wealth — and breaks down the exact formula that changed everything.
You’ll discover the power behind the R.E.A.L. Wealth Formula, a simple, actionable path to financial freedom and legacy building:R: Reduce your monthly expensesE: Enlarge your active incomeA: Acquire passive incomeL: Live on your passive income — and leave a legacy
Brad opens up about hitting rock bottom, the turning point that transformed his mindset, and how he rebuilt his financial life through discipline, purpose, and faith. This episode is packed with practical tips to help you get out of debt, grow income streams, and start living life on your terms.
If you’re ready to stop surviving and start thriving, this episode is your roadmap to real wealth.
💡 Key Takeaways
Real wealth isn’t just about money — it’s about freedom.
You can’t build wealth without a plan to reduce expenses first.
Increasing income creates options — and options create freedom.
Passive income is the key to long-term stability.
Leaving a legacy means building something that outlives you.
🔗 Resources and Links Mentioned
REIBIZ: reibiz.comFreedomSoft: realwealthformula.com/sponsorsPropStream: realwealthformula.com/sponsorsWells Fargo: wellsfargo.com
🤝 Connect With Us
Website: www.realwealthformula.comPhone: 877-77-MOGULEmail: podcast@realwealthformula.com
📱 Social Media Channels
Facebook: Real Wealth FormulaLinkedIn: Real Wealth FormulaInstagram: @realwealthformulaX (Twitter): @realwealthshowTikTok: @realwealthformulaYouTube: Real Wealth Formula
 
⏳ Chapters
00:00:00 - Introduction00:01:58 - What is the Real Wealth Formula?00:02:52 - Step 1: Reduce Your Monthly Expenses00:05:29 - Step 2: Enlarge Your Active Income00:08:40 - Step 3: Acquire Passive Income00:10:38 - Step 4: Live on Your Passive Income00:11:20 - The Goal of Personal Finance00:13:05 - Retirement and Wealth Defined00:14:31 - Step 5: Leave a Legacy00:15:15 - Personal Story: Overcoming Financial Struggles00:22:57 - Conclusion
 
 
 

How does an 18-year-old make $5,500 in less than two days? In this episode of Real Wealth Formula, Brad Hovis shares how his son closed his first wholesale real estate deal from his college dorm room. You’ll learn the exact strategy he used, why fearlessness made all the difference, and how you can take the same steps to start building wealth.
Key Takeaways
Wholesaling is one of the fastest ways to start making money in real estate.
Confidence and fearlessness are more important than experience.
Writing consistent offers is the key to closing deals.Education is valuable, but action is what creates results.
Rejection is the biggest barrier for most people. Overcoming it unlocks success.
Real estate can be done part-time and still create financial freedom.
Resources and Links Mentioned
REIBIZ 
FreedomSoft 
PropStream 
Free Real Wealth Formula Calculator 
Connect With Us
Website: www.realwealthformula.com Phone: 877-77-MOGUL Email: podcast@realwealthformula.com
 
Social Media Channels
Facebook: Real Wealth Formula
LinkedIn: Real Wealth Formula
Instagram: @realwealthformula
X: @realwealthshow
TikTok: @realwealthformula
YouTube: Real Wealth Formula

Wire fraud is one of the biggest threats facing real estate investors today. In this episode, Brad Hovis shares real stories of wire fraud attempts, including the time $180,000 almost disappeared. You’ll learn the simple but critical steps you must take to protect your money when sending and receiving wires. If you are investing in real estate, this episode could save you from a major financial disaster.
Key Takeaways
Always verify wiring instructions by phone with a trusted contact.
Never rely on email alone; emails can be hacked or spoofed.
Confirm details only through phone numbers you independently look up, not those listed on wiring instructions.
Once verified, never accept last-minute changes to wiring instructions.
Add an extra layer of security by asking questions only the real person would know.
Wire fraud happens fast; catching it quickly is the only way to stop the loss.
Title companies now often leave out part of the account number to force a verification call.
Scammers use advanced tactics including spoofed voices, emails, and fake numbers. Stay alert.
Resources and Links Mentioned
REIBIZ 
FreedomSoft 
PropStream 
Real Wealth Formula - 
Connect with Us
Website: www.realwealthformula.com Phone: 877-77-MOGUL Email: podcast@realwealthformula.com
Social Media
Facebook: Real Wealth Formula
LinkedIn: Real Wealth Formula
Instagram: @realwealthformula
X: @realwealthshow
TikTok: @realwealthformula
YouTube: Real Wealth Formula

In this episode of The Real Wealth Formula, Brad Hovis sits down again with Rob Swanson to tackle a big question: How should new investors educate themselves on real estate? Rob shares how he taught his own kids the basics, the difference between buying property and buying a true deal, and why the most successful students always start with a clear "why." The conversation covers free vs. paid education, the role of AI, and the mindset shifts required to actually succeed in real estate investing.
Key Takeaways
Education starts with a clear reason why you want to invest. Without it, you will quit when things get tough.
Don’t focus on buying property. Focus on buying deals that deliver cash or cash flow.
Free education is everywhere, but the key is choosing the right mentor and committing to action.
AI can be a powerful tool if you treat it like a coach, not just a search engine.
Success comes from taking the first step and learning from experience.
Specialists provide more value than generalists and usually earn more.
Making more money first, then using it to acquire passive income, is a proven path to wealth.
Resources and Links Mentioned
REI School
Rebiz
FreedomSoft: Real estate investor CRM led by Rob Swanson
Connect With Us
Website: www.realwealthformula.com
Phone: 877-77-MOGUL
Email: podcast@realwealthformula.com
Social Media
Facebook: Real Wealth Formula
LinkedIn: Real Wealth Formula
Instagram: @realwealthformula
X: @realwealthshow
TikTok: @realwealthformula
YouTube: Real Wealth Formula

Is Airbnb a smart investment or a risky move? In this episode, Brad Hovis shares his real-life experience owning hotels and Airbnbs to break down the pros and cons of short-term rentals. He explains how oversaturation, local regulations, competition, and hidden costs can make or break your returns. If you’ve ever thought about jumping into the Airbnb market, this episode will help you decide if it’s the right move for you.
Key Takeaways
Airbnb can be profitable, but success depends heavily on market conditions and local laws.
Oversaturation is a major risk. A market can shift from high returns to steep losses in just one year.
Permits matter. Limited-permit markets often provide more stability and protect investors.
Maintenance costs are higher than expected. Short-term guests wear down properties quickly.
Reviews and responsiveness directly impact bookings and income.
Not all locations work. Tourist destinations perform better than smaller markets with little demand.


Resources and Links Mentioned
REIBiz
PropStream Real Estate Data Tools
Free Real Wealth Formula Calculator
Connect with Us
Website: www.realwealthformula.com
Phone: 877-77-MOGUL
Email: podcast@realwealthformula.com
Social Media
Facebook: Real Wealth Formula
LinkedIn: Real Wealth Formula
Instagram: @realwealthformula
X: @realwealthshow
TikTok: @realwealthformula
YouTube: Real Wealth Formula

Discover the truth about the 1031 exchange. This episode tackles a common misconception: that it helps you avoid income tax. Brad Hovis and Drew McCabe explain the difference between capital gains tax and income tax. Learn the six essential rules for a successful exchange. Find out why this real estate strategy is a powerful tool for building wealth.
Key Takeaways
A 1031 exchange defers capital gains tax; it does not help you avoid income tax.
Depreciation recapture is a tax that you must pay when you sell a property.
The government incentivizes 1031 exchanges to stimulate economic activity.
You must follow six specific rules to complete a 1031 exchange successfully.
A qualified intermediary is required to hold funds during the exchange process.
Resources & Links Mentioned
Rebiz: 
PropStream:  
 
Connect with Us
Website: www.realwealthformula.com
Phone: 877-77-MOGUL
Email: podcast@realwealthformula.com
Social Media Channels
Facebook: Real Wealth Formula
LinkedIn: Real Wealth Formula
Instagram: @realwealthformula
X: @realwealthshow
TikTok: @realwealthformula
YouTube: Real Wealth Formula