The LFG Show
Talking with movers and shakers who grew up with nothing and worked their asses off to achieve success. Let's 🤬 Go!!!!
The LFG Show
The Niche Financing Play Everyone Overlooks ft. Derek Jarr
Your equity is up, cash is down, and monthly payments are crushing budgets 📉đźŹ
In this episode, we sit down with Derek Jarr of Stay Frank to break down a practical alternative for homeowners who can’t — or won’t — take on new debt. We unpack home equity investments, a model that provides cash today with no monthly payments and a payoff at sale or refinance.
If you’re sitting on a 2–4% mortgage you won’t touch, a sub-620 credit score, and five or six figures of equity locked inside your walls, this could be the bridge between high-interest cards and real financial stability.
We walk through exactly how the structure works using real numbers, the trade-offs versus HELOCs and cash-out refis, and why this isn’t “cheap money” — it’s a strategic bridge. Derek explains the guardrails that keep deals safe, including typical credit bands, minimum accessible equity, and loan-to-value thresholds.
We also explore when a sale-leaseback can be the smarter move đź§
Selling the home to an operator while leasing it back allows homeowners to delay a move and unlock funds now. This can be especially powerful for retirees or anyone facing rising HOA dues, insurance premiums, and property taxes.
For performance marketers, this is a greenfield opportunity 🚀
Search demand is still thin because consumers don’t fully understand the category, which creates massive upside for operators who lead with education. Declined refi leads, HELOC fallout, debt settlement lists, and distressed homeowner data can convert extremely well when you qualify properly and transfer warm calls.
We dig into payout structures, two-to-four-week funding timelines, and why early adopters can capture outsized returns before this category goes mainstream.
If you’re ready to test a niche that solves a real problem and rewards operators who actually do the work, this episode maps the playbook.
Enjoy the episode, share it with a friend who needs a smarter path to liquidity, and subscribe to stay ahead of the next niche that scales đź‘Š
Sponsors:
Ringba – call tracking and pay-per-call infrastructure built to scale
[https://www.ringba.com](https://www.ringba.com)
NewsBreak – reach local audiences at scale with native advertising
[https://admanager.newsbreak.com/signup?utm_source=pod&utm_medium=lfg](https://admanager.newsbreak.com/signup?utm_source=pod&utm_medium=lfg)
No Money No Honey
Newsbreak is the fastest growing local news app in the United States with over 50 million monthly and 16 million daily users checking in throughout the day. When you sign up, the Newsbreak team reaches out with White Love Service to get you onboarded and making money right away. Up to$5,000 in matching ad credits, quick account approvals, and dedicated account management to help you find early success. To learn more and sign up, check out the link in the description below. Don't waste time. Sign up now and let's fucking go. Ringba is the leading inbound call tracking and analytics platform for marketers, brands, and paper call teams. It gives you real-time reporting, intelligent call routing, and fully customizable call flows backed by global telecom access in more than 60 countries. With enterprise-grade reliability, a powerful API, and no contracts instead of fees, Ringba has become a go-to platform for performance marketers worldwide. To learn more and to sign up, check out the link in the description below. Get golden and let's fucking go. Guys, listen, LFG, we're wrapping up day one of Lead Gen World. And I got don't fucking say that LFG show ain't gonna make ain't making you money. I'm gonna tell you guys about a fucking offer that's gonna be fire. You heard this shit here first. I got the guy running the offer. You want to make money, you want to be doing the same shit everyone else doing, you're gonna make the same kind of money. You want to get involved in other new ventures that are about to blow up. We got it for you. We got my hand Derek Jarr from Stay Frank. Good to have you on the fuck with show. I think this guy didn't know he's gonna be on this show, but that's what we do. It's an LG effect, man. That's right. Great blazer, money green. Thank you, guys. You went fucking money green, guys. I thought about you when I put this on today. I appreciate it. You did? I appreciate it. Yesterday I had my blazer on. Yeah. Today I got no blazer. Yeah. All right. So this is called home equity investment. And before I probably should just set the table a little bit, guys, I travel like crazy. I've been on over a hundred flights this year. Every year I'm over a hundred flights. Guaranteed. I travel all over the fucking world, all over America. And I moved to Miami. I've been drinking espresso. I was living in Jersey, I barely drink coffee. Now I drink espresso and I look, I'm very cognizant of prices. Not because I'm trying to save money. I just look because I like to see what's going on with trends. Miami and Espresso's five bucks. Here it's not banned in Sanity. Here I pay like three bucks, 350, not horrible. Utah also like say 250. The bottom line, though, is that people are price sets now. People don't have fucking money in America. They're spending, but they got a lot of credit card debt. There's trillions of credit card debt, trillions of fucking student loan debt. They're cash poor, but they're home rich. They got a lot of equity in their fucking homes. Am I right or wrong?
SPEAKER_00:Absolutely. Yeah. Tons of equity. All this appreciation in the last four or five years in America. Yeah.
SPEAKER_01:It's a lot of fucking equity they got in their homes. You got, listen, I'm in Miami, right? You got uh the real estate's fucking out of control. You got a lot of people moved to Miami or moved to Florida from New York, from New Jersey, from Illinois, where these fucking high tax places to save money on taxes, more affordable housing, housing's through the roof, right? They can't afford to live. Their HOAs are through the roof, property insurance, everything's through the roof. So they have to tap into their homes right now, right? And you have a you have a product that is phenomenal. So let's talk about the product.
SPEAKER_00:Yeah, I think the biggest thing is you know, you got homeowners that have equity, like you said, but can they take on new debt? They don't want to refinance out of their two, three, four, five percent mortgage. Uh, they don't qualify for a HELOC, a line of credit, uh, and they can't take on more monthly payments because they're already stretched, like you're saying, on a month-to-month basis. So, what our product does is helps out homeowners who have equity, can't get a loan, need money, and don't want to sell and move.
SPEAKER_01:That's great. So, how does it work? Let's talk about the whole logistics behind this whole thing. Let's say uh, let's say I I'm a homeowner, right? And um and and this is also perfect for people that don't have the best credit, right? Like what's the average pro what's the like the profile?
SPEAKER_00:Yeah, I would I would say probably from a credit score standpoint, we're definitely sub 620, probably like 550 to 580, sometimes on occasion down to 500. Okay, yeah.
SPEAKER_01:So let's say I'm David Stodelak. I own a home in uh in somewhere, Florida, Fort Lauder, Florida, right? I've got$300,000 equity in my home. Um my credits uh not that good,$605. How does so I how does this work? I I call you guys, uh, walk me through the process.
SPEAKER_00:Yeah, I think the first thing is that you know they have to have a need, right? Like people aren't doing home equity investments to buy a boat uh or buy a car. Um if they have high interest credit card debts, 20, 30 percent. Okay. Um, let's say I got fucking 40,000 credit card debts, right? Yeah, yeah. Yeah. So, you know, how do you in the payments just eating you up? You're not paying any principal on that. So what do you do? You go to your mortgage guy and it's like, hey, I can't qualify you for more because of your debt to income ratio. You can't qualify for a loan. Or maybe they missed the mortgage payment. These aren't people in pre-foreclosure and that kind of stuff, but maybe something's happened. It's gotten squeezed, maybe we're out of work for a little bit, a business went sour, and so they need to go, they need to access this equity. So let's let's just say this. Let's say you got a million dollar house, for example, right? And you owe 500 grand. So you got 500 grand worth of equity. You know, it's a million dollars, you do 500, you have 500 grand. So we come in, we go, hey, here's a hundred thousand dollars. It's not a loan, it's an investment. We now own 10% of the house because 100 grand is 10% of a million.
SPEAKER_01:So you own 10% of the house, which is which is and you benefit because if there's appreciation, right? And that's what you guys are banking on yourself.
SPEAKER_00:Yeah. So there's no pay. So homeowners love it because it's easy to qualify for, there's no monthly payments, and then you pay us off when you sell the house or refinance down the road, up to 10 years later.
SPEAKER_01:And I would imagine this has got to be good for like baby boomers, right? And I'm I'm seeing again, let's go back to the older audience. Yeah. Uh, not the older orders, uh, yeah, the older power of the population. I mean, the every year the cost of everything goes up, right? HOA, property taxes, insurance. Probably tax prescriptions, this thing, that thing, right? So they're they're getting squeezed. And there's a lot of like, I don't know, what do you call it? Predatory lendings, all these crazy products, right? I'm not trying to, but there's a need for some of these products too. It's sometimes people are oppressed, but I feel like this is a a viable solution. It really makes a lot of sense.
SPEAKER_00:Yeah, yeah, absolutely. Yeah, I think you think about more like a bridge, right? Like it's it's not, it's not gonna be the cheapest money someone could go get, but typically our customers they can't qualify for cheap money. So the question is, is this better than something worse happening? You know, is it better than paying high interest debt or is it better not being able to save your business if your business needs money?
SPEAKER_01:Yeah, correct. Yeah. So how does okay, we're a lead general world, right? There's media buyers, there's lead generators, right? Everywhere, right? I mean, amazing. Yeah. So how how do we benefit from this? If we want to generate leads for you, I mean, what are what are your what are payouts on this? What are you seeing? Are there certain platforms working better than others? Like, what are you seeing?
SPEAKER_00:Yeah, I think the one thing that's a little tricky is like it's not a mainstream offer, right? I mean, this the search traffic is on ton because people don't know about this home equity investment product. It's only been around for about 10, 12 years. It's a uh about a five billion dollar industry last year. So it's growing, it's it's niche though, and and you know, riches are in the niches, says right. So that's why I like being here. Everyone else is over here doing that stuff. I want to be over here doing this. Um, so I think from a we're looking for people that are looking to consolidate debt, they're trying to get lines of credit, they're trying to refinance any kind of financial products. Um, and they can't, and they've been declined by some sort, you know, so yeah, some sort of way. So yeah.
SPEAKER_01:Yeah, I love what you said. The riches are the niches because listen, I got in solar back in 2016. There weren't that many people doing solar. Yeah, it was one of it's almost like crypto, right? I remember going to my first affiliate world in Bangkok. There was just a handful, there was like a little niche of people doing crypto. Look where that went. So that's why I'm excited to have y'all here because I really believe this is gonna be more mainstream. I'm looking to do a lot more in mortgage this year, right? In in cash outs, refire races starting coming out a little bit. I think I'm gonna make some good money doing it. I got media buyers that have done it before. I'm gonna have to turn them back up, and then we're doing some small tests right now. And this is something that we've been talking about. I'm I'm gonna do this for you. We had some limited success earlier in the year, or last year, and then I got a great guy on my team. We're about to get going on it. So I'm I'm really excited because that's what you got to do. Everyone's talking about debt, everyone's talking about insurance. Nothing wrong, don't get me wrong, but fucking you got to do different stuff. Are you swimming in the same pool? You're gonna get the same results, like I said earlier.
SPEAKER_00:Yeah, and I don't know how to do this. I'm not a lead gen guy, I'm a real estate house guy, right? But like most of our opportunities that we're creating or having success with are uh people that are kind of monetizing or reactivating data. So, like the debt, for example, like like all of our customers, they're either in debt settlement, looking at debt settlement, or need debt settlement. So I'm working with some debt settlement uh companies where they're like, okay, our home, these are homeowners, they've got equity. We helped them with their debt, but we didn't help them with our mortgage payment. We'd help them get cash they need. So we're figuring out ways that we can go out and help them monetize that existing traffic that they have into another product.
SPEAKER_01:Yeah, which is what we try to do. We try to use, uh, I think we had some some data or something we call it. I mean, I don't know if it was solar data, but we tried doing something. There was some limiting success. We had some transfers, but we were we had a lot going on time. We didn't really focus on it. But this year I really want to focus on that this month. We're gonna get that going there. Yeah. But it makes sense that the debt profile, that's what you want. Homeowners that are in debt. Like what's the minimum amount of zero? What's the qualifiers?
SPEAKER_00:Yeah, I mean, I would I would say like someone's gonna probably need to have probably about thirty to forty thousand dollars or be able to access that minimum, or else the fees aren't really gonna make sense for it. Um, but and they probably can't owe more than 60% of value. So a million dollars,$500,000 a house, you know, you don't own more than 60% of that. Yeah.
SPEAKER_01:Got it. So what was your back prior to this? What was your background? You were in you have always been like in finance or like alternative, right?
SPEAKER_00:I was in the house business, you know, cash owned buyer, fixing flips, developments, built houses. I got confused. Uh, I thought building houses wouldn't be a great idea. You know, you get all enamored with those Instagram photos and all those those TV shows, right? Yeah. And uh built a bunch of houses, about 90 houses in like seven years. Where in Arizona? In Arizona, yeah. Yeah. And uh that sounds glamorous and cool and all that stuff, but uh, you know, I almost almost got myself hurt. So I wrapped that business up and kind of got back into what we know. The other thing we do too, besides home equity investments, are sale leasebacks. So that's where we actually buy the house and then we lease it back to the owner. So it's another way to kind of unlock their equity without having to sell and move. They sell and they stay.
SPEAKER_01:So how does that work? Anyway, is it the same profile? You gotta be a different profile.
SPEAKER_00:No, it's the profile, but if they can't qualify for the home equity investment or they really need like uh they can't afford the monthly payment, then a sale leasback is better. Or they might say, hey, I know I'm moving in two or three years, I'm retiring, or my kids are gonna graduate high school, and I want to get some, but I need to get some money today. Yeah, I just don't want to move quite yet. So they'll sell today and then they'll move two, three years later.
SPEAKER_01:Yeah. Well, we try to do here on our show, right? And then when uh I mean I travel a lot, right? I'm always traveling and I'm talking to people. I talk a lot, and I feel like it gives me an edge, and we try to import that edge to our audience, right? Give them some value. But that that I feel like so many people don't know about I I have Aliance uh trade insurance, right? I so many people within don't know. I didn't know about this shit existed. You can protect yourself with people that go like people that owe you money, go out of business, it saves us a lot of money. But I'm shocked just you don't know what you don't know, right? So I I I I I think I'm curious your opinion. If there's a hundred homeowners, or what percentage of homeowners do you think know about this option?
SPEAKER_00:Not many, not a lot. Single digits, yeah. See, yeah, yeah. I mean, it's it's so abundant how many opportunities there are out there right now. Yeah, but someone's got to get to them and bring the message to them and say, hey, look, this exists, you know, it's not a mainstream offering.
SPEAKER_01:Yeah, and that's why I like it because that's where you find the opportunities. Right when it when too many people know about it, it's too late. Yeah, right. This I not to go off subject, but I had an opportunity to buy Venezuela bonds in fucking November, right? Because I had a guy, this is what he fucking does, and I misunderstood the situation. I was like, you know, it seemed complicated to move the fucking money. I'm not gonna do it. Fucking things went up seven, eight X. Yeah, people fucking know. Yeah, well, that's why these people make so much money on Wall Street, that's why these politicians. Well, what the fuck do you think this is, right? But you gotta get in before the wave, which once once it's out the fucking bag. Like now, yeah, you could probably buy those bonds, but the risk, I mean, what is the the the transition sucks? You're gonna lose more, but that was a time, and it was risky back then. Those bonds are trading like six cents, right? So they can go to zero, but bro, that's what the fuck it's about, right? But that's why I like talking about this. I really believe this is gonna go more mainstream. If it's single digits now, the adoption maybe doubles, triples, but if you can get in early, you could really fucking crush it.
SPEAKER_00:Yeah, absolutely. You know, yeah, yeah. He's right on. That's why we're here. That's where we're doing it.
SPEAKER_01:Yeah, that's where we're here. So tell about your operations, how many people you have on the team doing this, and what's the process? Let's say we send you leads. Um, and it sounds like the best approach is to do what we're trying to get off the ground, where we have like, let's say there's a call center that's where he's talking to people in distress, right? Having them qualify them, vent them out, and send them to you as a transfer. Is that the best way to do it, or will you take like web leads to, or what works best?
SPEAKER_00:Yeah, good question. So, I mean, what we're really good at is is actual processing the transaction. We have the capital market relationships with it, uh, capital partners that will fund all our deals. So we're we're kind of like a mortgage broker, right? We'll originate all these deals and make a fee. And that's the fee that we can share in with our lead partners that can bring us to traffic. Yeah. Uh by no means I love coming to these. You guys are also freaking smart and what you know how to do. It's like it fascinates me. And I try to do some stuff and I fuck it up, and then I was like, I need to go back and do what I do. So I think um, you know, certainly getting us on the phone with people. Uh, we've talked to some groups about can they actually do a discovery call and get to an app, and then we can underwrite and then we can pitch the offer and then we can close it. But um, yeah, it takes about two to four weeks to to fund a deal from application. Um, so yeah, I mean, we have RevShare opportunities, we have all kinds of different stuff that we're doing.
SPEAKER_01:Got it. No, I'm excited about it. We'll put a link or how or your contact and race with people to contact you. And then one thing I want to say too is that it's funny, I I met you uh, I don't know where it was.
SPEAKER_00:Uh it was in Vegas. You know where it was, actually. It was at this event in San Diego, and Anthony Sarandria introduced us.
SPEAKER_01:That's who's yeah, a fucking legend, man. Yeah, and he's uh you guys, you know, we we interviewed him on the show. He exited his company 70 million dollars, really and great, and a humble guy. Yeah.
SPEAKER_00:Do you know the story, by the way, about him? Wow. Oh my god. Maybe I don't know. So I hired Anthony probably in 2010, 11, maybe something like that, to work for my real estate company at the time to do marketing. And right before this is right before we got into uh paper call, right? Stuff. And then um about a year, maybe he went on to do his own thing, and then I found I I ran into him when he was parking his uh I guess it was his Lambo, I think, at the time. McLaren, no, it's McLaren. That's right. And I did that. I said, Oh, is that your Lambo? He's like, No, mine's a McLaren. I'm like, oh sorry, dude. It was a 26-year-old kid or something like that, right? Hummel, amazing guy, awesome guy. All right, so gracious. Um, but anyway, I was like, well, shit, I should have gone to work with you instead of you know. Isn't that crazy, man? Nuts.
SPEAKER_01:Yeah, so I got a funny story too, related to him. Um, I saw, I uh I don't even know how I meant I meant it for the geek out community because I helped get geek out off the floor back in 2017. They had their second one in 2018 in Barcelona, after right before after Philly Road. He spoke great fucking presentation, great energy. He just commanded the stage and he was doing like paper call stuff with Dan and insurance, all that stuff. But anyway, um I was in Boston for uh LeedsCon. They had a Leeds Con in Boston, and I was my partner in Connection Holdings, uh Ed Payne. And then Ed sees him, they start talking. Anthony used to work in his call center as a call center rep in Arizona. So fucking it's so crazy, like you just never know. And what I like about our industry and I like about sales, like you could be a call center rep, you could like work for someone else, but it doesn't matter as long as you got that drive and you really want to fucking do it. You could sell your company for 70 million, 100 billions, whatever the fuck it is, man. Yeah, Scottsdale. Yeah, it's all lesson. That's great.
SPEAKER_00:Yeah, that's great. So you're sorry.
SPEAKER_01:Are you in Scottsdale? Yeah, yeah. So let's talk about Scottsdale briefly because I think that uh I'm not too familiar with Arizona. I've been there a few times, but Scottsdale is a hotbed, man. I feel it's a hotbed for like for for there's a lot of heavy hitters there. There's a lot of like smart people, good entrepreneurs, guys like Anthony, other people like what what do you think is the deal over there? Like why, why, why is it like that there? Am I right or wrong? And I feel like it ranks high in terms of highest income or that can, you know, those kind of ratings.
SPEAKER_00:Yeah, I think you know, Austin, you know, kind of was like the the darling city, and Nashville became cool. I mean, Miami and New York have always been great. Yeah, but besides those major metropolitan areas, and Scottsdale has been kind of like a I remember when I moved there, I moved there in '99, a long time ago. Wow. And uh it's like felt there's like tumbleweeds and cactus, right? But like the city is is alive for sure. So I think you had a lot of people that left uh California and moved to Arizona, and you got a lot of people from weather like from the northeast, from Midwest, that have come out to Arizona because it's great. Everyone's like, oh, it's so hot. Yeah, for a couple months it's really hot, you know? But it's kind of hot in Florida in July and August, you know, too, right? So um anyway, I just think it's super dynamic. Um, lots of great food, lots of great clubs, lots of great nightlife. You got all the professional sports teams. Yeah, yeah, you ever heard Phoenix Open? You ever heard that golf tournament out there? They have this golf tournament, right? They're 16 tall, stands all the way wrapped around the golf tournament. They're doing like the wave, they got DJ and stuff, like during a golf tournament. It's crazy. Wow, that's all that's a fun it's a fun sound.
SPEAKER_01:Yeah, I've always had fun over there, but I've noticed it's been and there's you have like these little pockets of uh people in our industry and they're they're freaking killed. Miami's I got pockets in New York, you got it, Vegas, you got LA, but Scottsdale is one of those, I think, that people don't talk about enough. But every time I've gone there, good energy, man. You got people fucking killing it, good vibes. This is one of those, I don't know, it's still up and coming. You say it's right, it's already there, but it's it's one of those places. You haven't been there, you guys should go there.
SPEAKER_00:Yeah.
SPEAKER_01:So visit you guys, man. After you guys make some money, pop some bottles over there.
SPEAKER_00:That's right. Let's do it. Yeah, let's do it.
SPEAKER_01:Anything else about the offer? Anything we didn't uh touch upon?
SPEAKER_00:Um, you know, I think everyone's kind of like curious about real estate. You know, I think it's like real estate's a sexy thing, right? You know, homes, like, you know, everyone kind of can, it's it's pretty visible, right? People go on Zillow and see what their home value is. So I just think some people have kind of maybe shied away from it. A lot of people have got into like cash home buyer, motivated seller leads, which is a great business, great vertical, I'm sure. This is kind of like between that and loans. So I just encourage people, like you said, I mean, like the or we said the riches are in the niches, and like don't be afraid to try something different. Um, I don't uh I'm not a doomsday. I don't think the market's gonna crash. Uh however, I don't think rates are gonna go much lower. I don't think values are gonna go that that much higher this year. So it just means there's gonna be a lot of opportunity of people getting squeezed, unfortunately, that really need to access their equity. So um, you know, what are they gonna do? They can only hold the breath for so long, right? I mean, rates spiked in the middle of uh 2022. So, I mean, we're three and a half years from rates going up. And like at some point, people are like, well, shit, I I guess I gotta just sell. Rates aren't coming down, or I gotta refinance or do something because I need money. So um, we're really bullish about this year. We're really excited. I think there's gonna be a lot of opportunity. Um, people looking, they're they're kind of warming up to alternative ways to uh fractional ownership and different things, uh, and how can they get the money that they made?
SPEAKER_01:Yeah, I think the timing's great, everything's timing, right? Is what it comes down to. You these prediction markets are taking off right now. You know, crypto, I think, is what started all. Crypto started doing this, then people gold and silver went nuts. You got these prediction markets, which is they're gonna be bigger than the stock, bigger than the stock market. So then you got products like this. There's these alternative products that you got the the sooner you learn about them, the the the better it is. And and maybe it doesn't work out like us. Like we tried it, and it's also on my end. Like we had a million things going on, but I think the timing on my team is right. So I'm excited to do this offer. And guys, if you think there's synergy here, hit up Dirk. You know, we'll put your contact here. Best way to contact us an email, LinkedIn or what's uh yeah, LinkedIn's fine.
SPEAKER_00:Yeah, LinkedIn's fine. I I'll say the other thing too that we're gonna roll out this year is a B2B to C um platform because there's so many people that you guys provide leads to that uh couldn't be monetized in the traffic that they can't convert, like their D-clients, like one man's trash is another man's treasure, right? You know, so there might be some synergy there too with people that you you guys are driving leads to that are like, well, this lead doesn't qualify, this lead doesn't qualify. And we might be able to monetize that for them so they can buy more leads.
SPEAKER_01:Yeah, yeah. I love that. That's what it comes out. As you were talking, you made me think of somebody that I know that uh could there's a prior just some synergy here. So I can they're here at at the at the event, so I'll connect you with that. That's what it's about. That's what this fuck is about. Face to face, man. That's right. Uh good stuff, Dirk. Great having you put a link, LinkedIn. Hit this motherfucker out. You want to make money, you want to do new shit, niche in the riches, bitches. Let's fucking go. Your network is your net worth. We got a fucking crazy network of people. I'm not telling me you're average motherfucker, I'm talking about people doing$300,000,$400,000,$500,000 a day in admin. People have made billions of dollars in sales, people have entitled their companies for about a billion dollars. We hit a hundred episodes. Guess what? We're about to take it to the next level. So you want to be part of it, subscribe right now.