In August 2018, Ed stumbled upon the radio industry when the creator of a discontinued radio program reached out to him, recognizing his enthusiasm for assisting individuals in achieving homeownership. Initially hesitant due to lack of experience, he accepted the opportunity and with guidance, began hosting his own show, sharing valuable information and resources to help listeners navigate the home buying process. He found it rewarding and it gave him a new perspective on how he can help people.
Real Estate Jerky Explains Why $70K Income No Longer Buys $500K Easily
Tuesday September 15, 2026
Ed Parcaut and Mike Kelly cover national housing inventory, price reductions, mortgage affordability, FICO versus VantageScore, California and Stanislaus County real estate numbers, San Francisco AI wealth, Turlock housing pressure, Malibu coastal erosion, and buying versus renting.
National inventory rose to 883,673, median list price dipped to $439,900, days on market held at 70, and price reductions reached 42.14%.
Ed explains why a $70,000 income may not support a $500,000 home in today's rate environment, why FHA, VA, conventional, mortgage insurance, taxes, and debts matter, and why buyers should let the lender run the full picture before assuming they are out.
A full Real Estate Jerky market update with something to chew on.
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www.edparcaut.com
- Twitter: [@EdParcaut](https://twitter.com/EdParcaut)
- LinkedIn: [Ed Parcaut](https://www.linkedin.com/in/edparcaut)Catch every episode for sharp insight and real talk about what matters now in real estate!
#RealEstateJerky #EdParcaut #MikeKelly #LendingForLiving #LoanSquad #MortgageRates #HousingInventory #PriceReductions #BuyerAffordability #FICO #VantageScore #CaliforniaRealEstate #StanislausCountyRealEstate #ModestoRealEstate #CentralValleyRealEstate #TurlockRealEstate #SanFranciscoRealEstate #AIWealth #MalibuRealEstate #Homeownership #RentVsBuy #RealEstatePodcast #MortgagePodcast #HousingMarketUpdate #MarketNewsWithTeethBuilder Incentives Reveal the Real Pressure in New Construction
Tuesday September 8, 2026
Ed Parcaut and Mike Kelly cover AI in business, national housing inventory, price reductions, California and Stanislaus County real estate numbers, builder incentives, San Francisco luxury demand, cost-of-living pressure, empty-nester housing, and adult children moving back home.
National inventory rose to 879,764, median list price dropped to $440,000, days on market moved to 70, and price reductions reached 42.10%.
Ed and Mike also discuss why AI can help professionals work faster, why builders are offering major incentives, why some sellers should counter instead of reject offers, and why homeownership remains a key wealth-building tool.
A full Real Estate Jerky market update with something to chew on.
Contact and Social Links:
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- **Facebook:** [Real Estate Jerky](https://facebook.com/RealEstateJerky)
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- **Website:** [Real Estate Jerky](https://realestatejerky.com)🔗 Ed Parcaut:
www.edparcaut.com
- Twitter: [@EdParcaut](https://twitter.com/EdParcaut)
- LinkedIn: [Ed Parcaut](https://www.linkedin.com/in/edparcaut)Catch every episode for sharp insight and real talk about what matters now in real estate!
#RealEstateJerky #EdParcaut #MikeKelly #LendingForLiving #LoanSquad #MortgageRates #HousingInventory #PriceReductions #CaliforniaRealEstate #StanislausCountyRealEstate #ModestoRealEstate #CentralValleyRealEstate #AIRealEstate #AIBusiness #BuilderIncentives #CostOfLiving #Homeownership #SanFranciscoRealEstate #LuxuryRealEstate #EmptyNesters #HousingAffordability #RealEstatePodcast #MortgagePodcast #HousingMarketUpdate #MarketNewsWithTeethHomeowners Stay Put as Rates Keep Remodeling Demand Alive
Monday August 24, 2026
Ed Parcaut and Mike Kelly cover as-is pricing, seller repairs, rate-lock extension costs, national inventory, price reductions, California and Stanislaus County housing supply, builder incentives, USDA loans, CalHFA costs, and buyer payment strategy.
National inventory rose to 871,063, median list price moved to $445,000, days on market stayed at 63, and price reductions reached 41.68%.
Ed and Mike also explain why seller delays can cost buyers money through lock extensions, why USDA may be worth checking before CalHFA in some rural areas, and why buyers should ask their lender to rerun payments before writing an offer.
A full Real Estate Jerky market update with something to chew on.
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- **Website:** [Real Estate Jerky](https://realestatejerky.com)🔗 Ed Parcaut:
www.edparcaut.com
- Twitter: [@EdParcaut](https://twitter.com/EdParcaut)
- LinkedIn: [Ed Parcaut](https://www.linkedin.com/in/edparcaut)Catch every episode for sharp insight and real talk about what matters now in real estate!
#RealEstateJerkyDaily #RealEstateJerky #EdParcaut #MikeKelly #MortgageRates #JoblessClaims #RentGrowth #HomePrices #HomeValues #ConsumerStress #WalmartEarnings #FAIRPlan #CaliforniaInsurance #BuyerAffordability #StanislausCountyRealEstate #ModestoRealEstate #CentralValleyRealEstate #HousingMarketUpdate #RealEstatePodcast #MortgagePodcast #MarketNewsWithTeethMillennial Homeownership Surges Across California and Major U.S. Cities
Monday August 17, 2026
Ed Parcaut and Mike Kelly cover falling national inventory, rising price reductions, record homeowner equity, FHA and VA mortgage distress, assumable VA loans, self-employed borrower rules, and millennial homeownership.
National inventory moved to 865,709, median list price fell to $448,665, and price reductions reached 41.44%. At the same time, homeowner equity hit a record $18 trillion, while more recent FHA and VA borrowers showed higher levels of negative equity and default.
Ed also explains how VA assumptions may help military families relocate and why changing from W-2 employment to contract work can delay mortgage qualification.
A full Real Estate Jerky market update with something to chew on.
Contact and Social Links:
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- **Facebook:** [Real Estate Jerky](https://facebook.com/RealEstateJerky)
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- **Website:** [Real Estate Jerky](https://realestatejerky.com)🔗 Ed Parcaut:
www.edparcaut.com
- Twitter: [@EdParcaut](https://twitter.com/EdParcaut)
- LinkedIn: [Ed Parcaut](https://www.linkedin.com/in/edparcaut)Catch every episode for sharp insight and real talk about what matters now in real estate!
#RealEstateJerky #EdParcaut #MikeKelly #MortgageRates #HousingInventory #PriceReductions #HomeEquity #NegativeEquity #VALoans #VALoanAssumption #FHALoans #MortgageDefault #MilitaryHomebuyer #SelfEmployedBorrower #MillennialHomebuyer #CaliforniaRealEstate #StanislausCountyRealEstate #ModestoRealEstate #TexasRealEstate #FloridaRealEstate #HousingMarketUpdate #RealEstatePodcast #MortgagePodcast #MarketNewsWithTeethWhy Buyers Should Negotiate Now Before Mortgage Rates Drop
Monday August 3, 2026
Ed Parcaut and Mike Kelly cover VA buyer strategy, FHA and CalHFA loan concerns, closing-cost negotiations, seller credits, 1-0 temporary buydowns, national housing inventory, California listings, Stanislaus County closings, retirement planning, and ballot tax concerns.
National single-family inventory reached 865,223, up 5,864 from the prior week. California active listings remained well below what many buyers need, while Stanislaus County showed around 759 active listings and roughly 240 closed listings so far for July.
Ed also explains why buyers may have more negotiating room right now, why that window could close when rates drop, and how homeownership helps protect families against inflation over time.
A full Real Estate Jerky market update with something to chew on.
Contact and Social Links:
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- **Facebook:** [Real Estate Jerky](https://facebook.com/RealEstateJerky)
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- **Website:** [Real Estate Jerky](https://realestatejerky.com)🔗 Ed Parcaut:
www.edparcaut.com
- Twitter: [@EdParcaut](https://twitter.com/EdParcaut)
- LinkedIn: [Ed Parcaut](https://www.linkedin.com/in/edparcaut)Catch every episode for sharp insight and real talk about what matters now in real estate!
#RealEstateJerky #EdParcaut #MikeKelly #LendingForLiving #LoanSquad #MortgageRates #VALoans #VABuyer #FHALoan #CalHFA #SellerCredits #ClosingCosts #MortgageBuydown #HousingInventory #PriceReductions #CaliforniaRealEstate #StanislausCountyRealEstate #ModestoRealEstate #CentralValleyRealEstate #Homeownership #RealEstatePodcast #MortgagePodcast #HousingMarketUpdate #MarketNewsWithTeethHomeownership Rates Show Why Younger Buyers Need a Plan
Monday July 27, 2026
Ed Parcaut and Mike Kelly cover national housing inventory, price reductions, pre-qualification versus pre-approval, California housing data, Stanislaus County real estate activity, reverse mortgage purchase closings, short sales, and homeownership rates.
National inventory rose to 859,359, median days on market moved from 52 to 63, and price reductions climbed to 40.22%. Ed explains why fully underwritten pre-approval is stronger than a simple pre-qualification and why that matters when a buyer wants a clean, fast closing.
They also discuss California listings, local Modesto and Stanislaus County numbers, reverse mortgage purchase escrow issues, VA loan changes, first-time buyer challenges, and California growth cities like Manteca, Roseville, Clovis, Irvine, Menifee, Chico, and Dublin.
A full Real Estate Jerky market update with something to chew on.
Contact and Social Links:
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- **Facebook:** [Real Estate Jerky](https://facebook.com/RealEstateJerky)
- **Instagram:** [@RealEstateJerky](https://instagram.com/RealEstateJerky)
- **Website:** [Real Estate Jerky](https://realestatejerky.com)🔗 Ed Parcaut:
www.edparcaut.com
- Twitter: [@EdParcaut](https://twitter.com/EdParcaut)
- LinkedIn: [Ed Parcaut](https://www.linkedin.com/in/edparcaut)Catch every episode for sharp insight and real talk about what matters now in real estate!
#RealEstateJerky #EdParcaut #MikeKelly #LendingForLiving #LoanSquad #PowerTalk1365 #MortgageRates #HousingInventory #PriceReductions #PreApproval #FullyUnderwrittenPreApproval #VALoans #ReverseMortgage #HECMForPurchase #CaliforniaRealEstate #StanislausCountyRealEstate #ModestoRealEstate #CentralValleyRealEstate #FirstTimeHomebuyer #Homeownership #MantecaRealEstate #RealEstatePodcast #MortgagePodcast #HousingMarketUpdate #MarketNewsWithTeeth
