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Solving America's Problems

Jerremy Alexander Newsome & Dave Conley

America's Opportunities: From Conversation to Candidacy.

Solving America's Problems is a weekly podcast that turns real conversations about America's toughest issues into a movement, so the best and brightest serve in government, not chase Wall Street or Silicon Valley. It's for anyone who wants a serious hour on the country's problems without a team jersey.

Hosted by Jerremy Alexander Newsome (co-host and candidate) and Dave Conley (co-host and producer). Guests include authors, academics, presidential advisors, activists, CEOs and everyday people with lived experience. Solving America's Problems is about everyone.

Topics: the economy and the Fed, housing and homelessness, education and school safety, immigration, AI and work, the national debt.

Jerremy is running for office. The movement comes first; the campaign follows. Party: undetermined. Self-funded. No sponsors. No party.

Start here: https://solvingamericasproblems.com

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  • 24 episodes
  • Avg 33 min
  • English

Episodes 24

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  • #254
    August 31 · 17 min

    Why 2 Million Home Sales Are Frozen in Rate Lock-In

    More than half of Americans with a mortgage are locked in under 4%, and that lock-in alone has frozen out nearly two million home sales. JD Cobb's answer sounds backwards: don't wait for the rate, buy at today's price and refinance later. He walks Jerremy Alexander Newsome and Dave Conley through what a refinance actually involves, the four Cs every lender checks, and who owns your loan once it's sold on the secondary market. He explains why a portable mortgage would unfreeze the market and why mortgage-backed securities make it so hard. He also names the loan programs that were quietly building the 2008 collapse while he was selling them. Timestamps: (01:07) JD's first closing – a cash-out refi, not a purchase (05:43) The four Cs – what lenders actually check before approving (08:07) Who owns your loan – servicing gets sold, you keep paying (11:16) Pay option ARMs – balances grew when you paid (11:52) Stuck at 3% – a family who can't afford to move (15:27) $15,000 gone – what a bad pre-qual costs a buyer Connect: JD Cobb – Website | Instagram | Email 🌍 Connect with us: Instagram | YouTube | X | Web

  • #253
    August 13 · 1 hr 3 min

    Rethinking Rent: Ownership Through Community Care (Full)

    22.6 million U.S. households now pay more for housing than they can afford, and the average home costs five times the average salary. Sam Froerer, who co-owns thousands of apartment units through Compass Capital, has never owned his own home himself. He tells hosts Jerremy Alexander Newsome and Dave Conley that the industry treats tenants like a commodity, and the top 50 owners control under 11% of it. He's building a model where a slice of every rent check turns residents into fractional owners of the building itself. Timestamps: (00:00) 22.6 million households – can't actually afford their own rent (01:33) Never owned a home – this landlord explains exactly why (10:14) Same fries, different profits – Chick-fil-A earns 3x more than McDonald's (16:24) Can't pay on the 5th? – here's what happens to that resident (21:39) "Value-add," defined – and exactly where it crosses a line (26:33) What gets you rejected – the real bar for renting an apartment (32:05) Tax tricks renters never see – the leverage investors quietly get (36:37) Insurance tripled – how it quietly rewrote real estate deals (39:50) Rent that turns into equity – the blockchain idea behind it (49:19) $50 million, first check – what he'd fix in housing first (51:35) Lightning round – is homeownership already dead under 35? (55:09) The identity shift – what could replace the homeownership dream 🌍 Connect with us: Instagram | YouTube | X | Web

  • #252
    August 12 · 20 min

    Owning What You Rent — Policy, Tax, and the Lightning Round

    A $100,000 investment can show $60,000 of paper losses in year one — a tax benefit ordinary renters never get access to. Sam Froerer tells Jerremy Alexander Newsome and Dave Conley that Trump-era policy restored 100% bonus depreciation after Biden had cut it to 40%. He argues the top 1% pulling away from everyone else is the same pattern behind every collapsed civilization in history. Asked what he'd do with $50 million to fix housing, Sam says he'd buy three more properties to prove his model works before pitching it to private equity and pension funds. In the lightning round, he says homeownership under 35 is, as of now, functionally over. Timestamps: (00:14) A politician can't beat this – what would actually help residents more (00:40) A policy shift underway – reshaping who's allowed to own homes (01:36) $100K becomes $60K in losses – the tax trick investors use (03:33) The wealth gap's pattern – the same one behind every collapsed empire (05:40) $50 million, first move – what he'd do first to fix housing (07:55) Lightning round – is homeownership already dead under 35? (11:30) The identity shift – what could replace the homeownership dream 🌍 Connect with us: Instagram | YouTube | X | Web

  • #251
    August 11 · 22 min

    Value-Add, Screening, and the Wealth Gap

    Landlords call it "value-add," and raising rent $100 to $200 a month after new cabinets and a dog park is the same move the industry has run for decades. Sam Froerer calls his own company "experience-add" instead, telling Jerremy Alexander Newsome and Dave Conley that renters need income at two-and-a-half times rent just to qualify. Insurance per unit in Florida and Texas tripled from $600 to $3,000 a year, reshaping where he invests. A fire that started on one resident's porch burned down twenty units in a single night. Sam also floats a REIT-style model where part of every rent payment buys residents fractional ownership of the building itself. Timestamps: (00:20) "Value-add" defined – the term landlords use to justify hikes (02:20) "Experience-add," not "value-add" – why he renamed his own company (05:14) The income bar – exactly what you need to earn to qualify (10:46) Tax perks you don't get – the leverage investors have and you don't (15:17) Insurance tripled – how it reshaped where he chooses to invest (17:56) Twenty units, one night – the porch fire that could've ended everything (18:30) Rent that buys equity – the plan to make rent buy the building 🌍 Connect with us: Instagram | YouTube | X | Web

Showing 21–24 of 24 episodes