Show cover of Real Estate Realities With The RebelBroker

Real Estate Realities With The RebelBroker

Robert 'The Rebelbroker' Whitelaw is a real estate broker and Realtor® in Morgan Hill, California. Having started in real estate in 1988, he has seen more than his share of what is right and wrong with the real estate business. First and foremost is helping buyers, sellers, investors, and real estate entrepreneurs get the best info the can on real estate.This show is an opportunity to discuss some of the best ways to achieve your real estate goals and build wealth - from an insiders perspective. Over the years, Robert has been lucky enough to work with successful people from all walks of life and industries. Get a chance to hear what he has learned from these folks over the years that will help YOU achieve success! Of course, you can also count on honest talk about what is wrong with the real estate business and how to handle it. Whether you are interested in buying, selling, investing or just getting an inside look at todays top real estate stories, this is the show for you! So tune in for helpful information no matter how you are working to achieve your real estate goals or financial freedom!


September 2022 Real Estate Hot Take!
Let's try something new! This will be the first in a regularly monthly show where we review the previous months data on the first Monday of the month - a 'real estate hot take'! The reason we usually don't use data this early in the month is because the MLS systems take about 3 weeks to review the data and correct it. Which frequently results in big shifts in the trends shown... such as happened in the data for August!
24:59 10/03/2022
Fannie Mae Predicts Recession In 2023
Straight from the lips of the good folks over at Fannie Mae "...Recession Likely in 2023". Well, I think the most obvious response to that statement would be "Welcome to the party pal!" As seems to be true with most bad news, the headlines and folks in charge always seem to be just a little behind the curve. Even in this admission, Fannie Mae puts the absolute best possible spin on the situation. But hey, we all love optimism... right? Articles:
26:49 09/26/2022
Interest Rates Are Set To Skyrocket
The fed will be meeting this week to decide not IF rates will be raised, but by how much. Popular opinions suggest a .75 increase, but lets talk about why it might even be higher!
16:31 09/19/2022
2023 Is Going To Be A Real Estate Blood Bath
That's right. I think we are headed for a downturn that just might dwarf the 2006-2008 style crash we saw in real estate. We are in worse financial shape as we try to combat inflation, recessions and a contracting real estate market. On top of that, the latest real estate numbers for Santa Clara County is EXACTLY what I have been predicting. Make sure to check out this months Coffee & Real Estate Live Chat where we are going to discuss this in detail and you can ask questions or make comments. Find more at #realestate #2023predictions Here are the articles for todays show:  
31:25 09/12/2022
Rich Fettke and The Wise Investor
This week we sit down with Rich Fettke to discuss his book, The Wise Investor. Rich has an extensive resume including co-founding RealWealth. A company which has helped over 60,000 members improve their financial intelligence and acquire cash flowing income properties. He is also a licensed real estate broker and active investor who was selected as a Rich Dad Author. You can check out Rich, his books and specificall The Wise Investor at the link below:  
41:03 08/29/2022
Housing Affordability - Hits 33 Year Low
Another painful record broken as the affordability of homes has hit a 30 year low. However, we are seeing signs the indicate a slowing in home price appreciation. I have a suspicion that we might just seem home prices actually come down as sellers who must sell adjust their prices down to better align with the current market.
19:41 08/24/2022
Unemployment: The Real Numbers
I should have known better. Last week, I shared with you the latest unemployment numbers - and I took them at face value. Which is where I made my mistake! Of course, if I listen to my own advice from previous podcasts where we looked at unemployment, I would have realized there was likely more to the story than what they are sharing in the headlines. Of course, there is. In fact, the actual data implies the opposite of what the talking heads are suggesting. So lets sit down and take another look at those unemployment numbers and see why we should be more worried than not. #realestate #unemploymentupdate #entrepreneur #realestateinvesting
19:44 08/15/2022
2022 Economics That Could Hit Real Estate
In this weeks show we are looking at a few different bits of economic news that could push our real estate market one way or another. Not a lot of certainty in todays show, but I will offer what I think are prudent actions for buyers, sellers and investors to prepare for the possible eventualities.   Links:
33:11 08/08/2022
2022 Home Price Drops Surge in Silicon Valley
UPDATE: I have updated this weeks show to now include the last 10 minutes. Apolgies to my folks who consume the show right when it comes out! The cutoff point was 35 minutes - so you can just fast forward to that point to get what you missed!   We are not quite ready to look at the full data for July 2022. However, my weekly 7 day snapshots of real estate data are showing a growing surge of price drops across the board in Santa Clara County. This is true in San Jose and my home turf of Morgan Hill. It is also effecting most other communities in the county.
43:37 08/01/2022
Car Loans, Mortgages, Recession, Oh My!
Things are happening fast! In todays show we pass around an idea. Does it matter what starts an economic downturn? When we had the big real estate bubble, car loans got hit to. Now that car loans have apparently been as stupidly handled as mortgages were in the early 2000s, can we expect a fast follow on downturn in the housing market? I tend to think it is reasonable to consider the possibility. We are going to spend some quality time chatting about the current realites and see where it leaves us!
30:41 07/25/2022
Mortgage Rates About To Explode In 2022!
The chief economist for the National Association of Realtors took a look at the most recent inflation numbers - along with other economists - and projects increases in mortgage rates making a steeper climb. We will chat about this and consider the possibility that no one is prepared for what really needs to happen to interest rates to really make any kind of dent in inflation. Buckle up, this will be a rough one.
41:37 07/18/2022
Predicting A Real Estate Downturn 2022
It is time for a glimpse into the crystal ball and see if we can't use information we have today to estimate what is coming. There are several interesting trends that tend to feed the idea that something bad is around the corner, so today, we will review them and see what we might think they will do to our real estate markets. Also, don't forget that this Saturday, July 16th will be our next Coffee & Real Estate Live Chat on Facebook! Find it here:   Links:  
49:17 07/11/2022
Most Vulnerable Housing Markets Right Now!
On this weeks show we discuss recent data revealing the most at risk real estate markets in the United States! Whether you are a buyer, seller or saavy investory, you will want to know the most and least vulerable real estate markets out there right now.   Link:
25:27 07/05/2022
Adjustable Rate Mortgages - 2008 All Over again?
This week, we are going to gaze into the crystal ball. Several things are going on right now that I believe set the stage for a potentially market killing outcome. Follow along with me in todays show and see if you agree. If I am right, we could be heading into some very tough times over the next few years.
27:47 06/27/2022
Real Estate Inventory Up 18%!
Home inventory is ramping up at a pace that I don't think anyone could have imagined just a few weeks ago. In addition, despite recent news that home starts have dropped, we will still see a solid increase in home completions in 2022. I think that spells potential opportunity for buyers and investors and possibly a warning to home owners. So in this weeks show, we will chat about what this shift in inventory could mean for buyers, sellers and investors. Check out the show notes on the website for all the details.
21:57 06/21/2022
A Chat With Michael Hellickson From ClubWealth
Some of you may know Michael Hellickson from his reputation as a dominant figure in real estate sales. While Michael can clearly offer insights for real estate agents that want to improve their business, his experience can also help buyers, sellers and investors in their real estate journey. Today we will take some time to chat about the big topics in real estate and see what he believes are the right steps to take in your life to prepare for whatever might come down the road, or to get started with your real estate investments. You can find Michael at
50:38 06/13/2022
11% Jump In Home Inventory!
The folks over at are reporting that the national inventory of homes increased 11% when compared to the same time last year. This is definitely information worth remembering since, as I have suggested for years now, this is all about inventory. We take that national number and we bring it down to the local level and take a look at the home inventory numbers for Santa Clara County. What we discover is pretty amazing! Source: Realtor Weekly Housing Trends
26:33 06/06/2022
Top 1% Real Estate Agents - The Lie
The real estate industry has done a good job on selling the public on the idea that a "Top 1%" agent is the best choice to get the best results. The truth is that the criteria used to define if an agent is in the top 1% has nothing to do with what you as a buyer, seller or investor wants or needs in their transaction. In fact, because these agents tend to focus on quantity over quality, you actually will have a higher chance of getting lower than average results. In todays show, we chat about that and review some real world examples along with offer some questions to ask to help you find the agent that can focus on your needs instead of theirs. Visit the show notes page for this episode to download 12 questions to ask your real estate agent! Just follow the permalink associated with this post.
35:01 05/31/2022
Real Estate And Recession 2022
Initial indicators are in and suggest we prepare for 'Recession 2022'! Are we in a recession? ​Right now, we have hit declining GDP for the first quarter. Indicators are there, but for many we are not 'officially' in a recession. However, the question is not will be hit a recession at this point, but when. What is a recession? Big declines in economic activity. Big slow downs in economic activity can have broad effects. With low activity comes lower needs for employees to do what they would normally do when the economy is healthy due to lower demand.  Goods and services produced drop. The stock market loses value and unemployment rates tend to go up. Recessions are normal. Recessions happen regularly. It is how severe a recession is that indicates how painful it will be for the average person. Recessions can turn into depressions. Recessions usually hit their worst point within 10 months then go into recovery. A depression is a deep, painful, long lasting recession. Calm preparation is the best tool. Buyers, investors and home owners can not only survive in a recession, but thrive. It can give an excellent window of time to acquire real estate and better prices. Links:
37:27 05/23/2022
10 Metros With the Highest Price Gains
Welcome to Monday folks! Today we are discussing what the metros with the highest price gains are and how we can use that information to make smarter decisions as buyers, sellers and investors. These are not the most expensive metros, but areas where the highest percentage increase has happened. So join me for the discussion of these areas while we take a slightly closer look at the number 1 market on this list!   Link:
27:03 05/16/2022
10 Cities Where Home Prices Are Falling?
Check out this list of 10 cities where is reporting home prices are actually dropping! Are they really? Join me as we review the list and separate the hype from the reality - because the story they are trying to tell with their headline is NOT what is actually going on in these areas.
47:07 05/09/2022
Brent Bowers Interview On Land Investing
I don't often do interviews on Real Estate Realities, but this one really grabbed me! One of the ways to approach real estate is through land. We have brought up land before in the context of strategies to get your first home by building it yourself. Today, Brent is going to offer us strategies that can not only get you started with that effort, but also help you explore this option as an investment strategy. So make sure to listen to the end - the knowledge nuggets are going to be dropping right up to the finish! Brents Bio: Brent Bowers, is an investor and coach with a focus on buying and selling vacant land. As an Army Officer with over 8 years of service, Brent was spending a great deal of time away from his family, and he knew he needed to make some changes in order to be more present with his wife and children. In a short period of time, Brent was able to expand his business, hire a team, and (most importantly) spend quality time with his family while still working hard and helping others. While Brent invests in many different types of real estate, his favorite investment strategy deals with buying and selling vacant land, and he enjoys sharing his expertise in this area with his coaching clients. Brent chooses to live his life based on Bob Burg’s quote, “Your influence is determined by how abundantly you place other people’s interests first.” He is passionate about helping other people find success in real estate investing, particularly in land investments.   You can find Brent here: Instagram: @brentlbowers The Web: Or check him out on YouTube.
41:01 05/02/2022
$12.8 Billion Invested In Student Housing
Huge real estate investors are loving the student housing market. In fact, the American Campus Communities organization was recently purchased for $12.8 Billion! Keeping your eye on options, this kind of interest should suggest you consider student housing as one of your options - even if you have no interest in it right now, you can always keep that option in your back pocket - to make it through whatever market might be around the corner. Suggested Reading:
17:45 04/25/2022
Interest Rates At 5% - Now What?
The average interest rate nationally for a 30 year fixed rate loan hit 5%. As I suggested in the past, I thought 5% might just be the magic number that pushes a bigger change in the mindset of buyers. In todays show, we will discuss interest rates and as we usually do, what it means for buyers, sellers and investors. 
29:43 04/18/2022
Real Estate Love Letters Return
We chatted about real estate 'love letters' in a podcast last year. The state of Oregon felt that they needed to weigh in on the subject of whether or not buyers should be allowed to submit a letter with their offer on a home. The idea that any law makers would think they have the authority to so fundamentally interfere with the right to free speech was a bit of a stunner. However, as we suggested might happen, that law has been challenged and struck down. So, with those love letters now established as protected speech, what should buyers, sellers and investors be thinking and doing about love letters? Lets talk about that.
25:55 04/11/2022
Foreclosures in 2022 - Time To Panic?
In todays show we look at the real Foreclosures in 2022 data and just how worried you should be!   The Current Headlines ​We are all busy. Which means that we spend a great deal of time skimming the news rather than reading it. Of course, that means we will frequenly get left with the wrong impression when it comes to what is actually going on. Herea are the headlines from a few popular news sources: U.S. FORECLOSURE ACTIVITY IN JANUARY 2022 HIGHEST SINCE BEGINNING OF COVID-19 PANDEMIC U.S. foreclosures are the highest since pandemic’s start Foreclosures are on the rise. Here’s what that says about the housing market The Actual Numbers While many of those headlines are accurate, they do not paint a real picture of where we are with foreclosures. For the past two years, we have seem the lowest foreclosure rates for at least the last 17 years. The folks over at ATTOM - considered the very best source for this kind of data, included this image in a recent post. So when these news outlets compare the current rate of foreclosure to last month or last year, remember that the last two years have had ridiculously low foreclosure rates. Even if foreclosures in 2022 double - we are below .5%. We would have to see foreclosure rates TRIPLE just to hit 2019 levels, which were already the lowest in at least 14 years. So check out todays show as we explore this data and try to calibrate what we should be thinking about.
25:43 04/04/2022
Is 2022 The Beginning Of The End For Real Estate?
Will 2022 be the year when real estate pivots? There are a whole lot of things going on today that could spin the economy in one direction or the other. Inflation, the end of stimulus payments, interest rates, supply chain issues, etc - all in play today. You can check out the full show notes at
39:51 02/17/2022
2021 Real Estate Buyers Experience Interview
In todays show we are going to be interviewing buyers who purchased a home in San Jose earlier in 2021. Some of the topics we will discuss include: How did the home search go? How difficult was it to submit offers and finally get one accepted? Were there any special challenges during the escrow process? What worried you most as a buyer? In such a tough market for buyers, how do you avoid overpaying? The goal here is to draw directly from the real world experience of real estate buyers so that you can benefit from their insights. Whether you are a buyer or seller, you can benefit from hearing the perspective of buyers in San Jose, CA during a ridiculously strong sellers market, where dozens of offers are submitted. 
65:32 11/09/2021
Eviction Ban Overturned
On todays show we will take some time to discuss the eviction ban and why the CDC does not and should not have authority to declare an eviction ban. The core points as I see them come down to property rights and our right to freely contract between one another for goods and services.  
23:29 08/31/2021
Real Estate Offer Love Letters BANNED!
Oregon Has Passed A Law Against Offer Love Letters What Are Real Estate "Love Letters"? You read that correctly. The state of Oregon has made what are commonly called "Love Letters" illegal - well, mostly anyway. These are letters that agents create with their buyers to reach out to sellers on a personal level. The goal is to connect with sellers, outside the sterile language used in contracts, disclosures and addendums. It is an opportunity for buyers and their agents to try and leverage off of points of commonality that a buyer shares with a seller. It often includes discussions of the buyers lifestyle, employment, interests and even a photo of the buyers. Until now, the composition of these "Love Letters" in Oregon has been completely up to the buyer and agent to decide. What Are The Specifics Of The New Oregon Restriction On Love Letters? While these letters are not banned outright, this new law in Oregon prohibits including any information that might reveal characteristics of the buyer that are covered by the Fair Housing Act. Despite what many believe, sellers are required to abide by the Fair Housing Act guidelines when selecting an offer on their home. So if you are the kind of person who really hates anyone of Scottish heritage, it is illegal for you to reject an offer on your home based on that fact. So, is this a good thing? Check out todays show for a more complete discussion of this topic. Generally, I would rather leave it up to buyers and their agents to decide what goes into the letter that accompanies an offer. I have used these kinds of letters in my offers for decades and I have found them to be very useful tools. While I understand the idea of fairness in these offer scenarios - it is important to understand that these letters are designed to emphasize areas that work to the buyers advantage. If an agent and buyer simply put everything they can think of into one of these letters, they are not doing it right. Like most things, you should do your homework to identify areas of commonality with the seller that you can use in these letters. Anything that might be prejudicial is avoided if you are crafting such a letter rather than blindly tossing it into the mix. In my case, when in doubt, I don't include information regarding my buyers that might end up working against them. Which is, of course, the point of the letter in the first place! Where are these limitations currently in place? Oregon is the first state to pass such a law, but not likely to be the last. We should expect that other states will follow along and implement similar limitations. So how should we proceed in the real estate world relating to these letters? Does it make sense? Do we want the government limiting what a buyer and their agent might present in a letter of this kind? Or, are we all better served by leaving it up to those parties? We will discuss all that and more in todays show! ——————————————————————————————————————— ➡️ Instagram: ➡️ Twitter: ➡️ Facebook: ☕️ "Coffee And Real Estate" Live Events: 📰 Subscribe To The Monthly Newsletter:   🕵🏻‍♂️ Search For Homes For Sale: 👓 Luxury Homes List: 💵 Homes Priced Below Average: ——————————————————————————————————————— 📚 A case study in how I get better results than other real estate agents or brokerages:  ——————————————————————————————————————— My goal is to share my insights and opinions relating to real estate so that you can make the best possible decisions in achieving your real estate dreams. If you are interested in buying, selling or investing anywhere in Silicon Valley, Morgan Hill, San Martin or Gilroy - I would love an opportunity to discuss with you what I can do to help you get the best outcome possible! Plus, I guarantee results.
29:42 07/16/2021