In this episode, Matthew Whitaker and Hunter Terryn underwrite three Birmingham-area rental houses from list price to verdict, using real rent numbers from the Evernest pricing team. Two did not make the cut, and the third went pending before they could act.

You'll learn:

• How to underwrite a rental in seven layers, from rent to reserves
• Why Zillow's rent estimate ran $95 to $170 too high on all three houses
• What would have to be true to turn a negative cash flow rental into a buy

Grow with Us!

• Run your own numbers with our Evernest rental calculator
• Ask Matthew, free AI trained on 460+ podcast episodes
• Get a free rent estimate on a deal you're looking at
• Talk to an investor-friendly agent on our team, free

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Connect with Matt and Hunter at Evernest: Evernest.co

Hosts: Matthew Whitaker (Founder, who manages thousands of rental homes across 50 markets) and Hunter Terryn (Director of Sales) from Evernest

Link: Join the Evernest investor community at community.evernest.co/feed, where agents post deals and investors trade notes.

Link: To find real estate investor meetups in any market, check eventbrite.com.

Visit the Podcast Website: Evernest.co/podcasts

Email the Show: podcast@evernest.co

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Production House: Flint Stone Media

Copyright of Evernest 2026.

In this episode, Matthew Whitaker and Hunter Terryn lay out the five-person team you need before buying your first out-of-state rental: a lender, an investor-friendly agent, a home inspector, a property manager, and an insurance agent.

You'll learn:

• The right order to build your investing team, starting with a lender
• The questions that separate a real investor-friendly agent from any agent
• What to ask a property manager and an insurance agent before you hire them

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Connect with Matt and Hunter at Evernest: Evernest.co

Hosts: Matthew Whitaker (Founder, who manages thousands of rental homes across 50 markets) and Hunter Terryn (Director of Sales) from Evernest

Link: Join the Evernest investor community at community.evernest.co/feed, where agents post deals and investors trade notes.

Link: To find real estate investor meetups in any market, check eventbrite.com.

Visit the Podcast Website: Evernest.co/podcasts

Email the Show: podcast@evernest.co

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Production House: Flint Stone Media

Copyright of Evernest 2026.

In this episode, Matthew Whitaker and Hunter Taran sit down with Josh Heintz from LendingOne to explain how DSCR loans work, using a real $250,000 house renting for $2,000 a month to walk through the math.

You'll learn:

• Why bank loans stop working after four or five rental properties
• How a DSCR loan is calculated, and what ratio you need to qualify
• What a prepayment penalty is and how to avoid or buy it out

Guest: Josh Heintz of LendingOne | Call Josh: (888) 987-1276

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Connect with Matt and Hunter at Evernest: Evernest.co

Hosts: Matthew Whitaker (Founder, who manages thousands of rental homes across 50 markets) and Hunter Terryn (Director of Sales) from Evernest

Visit the Podcast Website: Evernest.co/podcasts

Email the Show: podcast@evernest.co

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Production House: Flint Stone Media

Copyright of Evernest 2026.