A real estate investing podcast helping everyday people build wealth through real estate.

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Charlie has spent more than 30 years investing in, renovating, and helping clients buy and sell residential and commercial real estate throughout Michigan and Florida. He also manages From the Badge to the Beach, a referral-based relocation program focused on helping individuals transition into ideal retirement and lifestyle destinations.

Before entering real estate full time, Charlie served 28 years as a police officer, building a foundation rooted in integrity, accountability, and trust — values that continue to guide his work today. Since retiring in 2022, he has dedicated himself to helping buyers and sellers navigate the real estate process with confidence and clarity.

With experience in both Michigan and Florida markets, Charlie provides strategic guidance, market insight, and creative solutions tailored to each client’s goals. He is also passionate about supporting first responders, frontline workers, and military personnel through his foundation, Lines of Heroes.

 Charlie Younkin, Founder of Valor Collective with Real Broker, LLC￼

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Reggie Osborn grew up in small-town Iowa with a no-nonsense Midwest work ethic that still shows up in everything he does. After a career in sales spanning Fortune 500 companies and family-owned businesses, Reggie found his lane in the mortgage industry, where he discovered that confusion isn't a side effect of the process...the mortgage business has built in on purpose.

He has grown The Mortgage Cowboy brand around one belief: everyday people deserve straight answers about what they qualify for and how to make their money work harder. No jargon, no runaround, no products pushed because they benefit the lender.

Reggie specializes in DSCR and investment property financing through Cornerstone First Mortgage. Him and his team are licensed to lend in the majority of states. Whether you're financing your first rental property or your fifth, his job is simple...find the path forward and make sure you understand every step of it.

 Reggie Osborn “The Mortgage Cowboy” with Cornerstone First Mortgage￼

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