Alan: You are now tuned in to Only Agents by ASG Luxury Realty. Welcome back to Only Agents. As always, I'm here with my partner, the S to my A, the S in ASG, Alan Schoenberg.
Stefan: Well, the good thing about us naming it ASG is in case something happens to Stefan, it can just become Alan Schoenberg group. This is his favorite go-to joke. So whenever Stefan gets out of line, I threaten him with the bat. It goes both ways though. It could always be the Alvaro Stefan group too. So we've got so much protection and security here.
Alan: But yeah, so we're back now with episode two and the idea for this podcast was to talk about all things life, community, marriage, business, and to me, I feel like at the core of all these things in life is real estate. And today, we are lucky enough to be joined by one of the pillars of Tampa real estate, Jane Floyd, the founder of the Jane Floyd team at NFM Lending. So welcome, Jane.
ration-style: initial; text-decoration-color: initial;">Jane: Well, thank you. Thank you. Honored.
Alan: And real quick, we have a sponsor. Last time it was AG1s, but this time the country of Germany is sponsoring us. And in particular, the Rieslings that they make. And now I know we've had some differences with Germany in the past, you know, the wars. There's a war or two. I'm able to look past that because they have a Rhine River region that makes the best off-dry Rieslings.
Stefan: And I don't know, Jane, if you have had any off-dry Rieslings.
Jane: I'm a red girl. But you're a cab girl, right? California cabs. Well, I like Italians. And I actually, I was first introduced to Jane at Crew Wine Sellers. Oh, that's right. You set up our first date at Crew. And we, I think we just drank French wine that night. Talked about wine all night long. No real estate, no mortgage. That was a great night. That's what we're going to do after this episode is go have another wine night.
Alan: And then before we get in, I was also going to say, Jane, do you have a twin? Because you are literally everywhere in Tampa. You have met my mom recently. So my mom called me the other day and she's like, I sat next to the most wonderful lady. And she knows you, her name's Jane Floyd. I'm like, of course you met Jane Floyd. You also know my brother. You've worked with him at Baird. I mean, Jane knows everybody.
Jane: Well, I think that just happens, right? And when you're in the community and that whole six degrees of separation, you know, just that was an amazing moment knowing when it hit me, I'm sitting right next to Alan's mom. We're also the energizer bunny. I mean, I, we dropped the kids off at school at like 7 a.m. And I see you walking out of your building, usually on the phone, probably talking to Caitlin to get the day started, but then you're nonstop right throughout the day.
Alan: I am pretty much, but I will tell you, I take a lot of buffer time, a lot of quiet time, a lot of planning time, right? Otherwise that leads to burnout. Speaking of that, should we jump into kind of how the Jane Floyd story began and how you ended up in the Tampa Bay area, because we are so lucky to have you in the community.
Jane: So I have been, well, I was actually in real estate for a minute. Well, I love, I'm obsessed with real estate, truly obsessed with it. But I landed in Tampa 54 years ago now after my father passed away. And so came down here knowing nobody. And then it's so interesting too when we talk about the real estate market. My mother knew one person, her aunt and brother-in-law. And so she was introduced to town and country and to a house by Steak and Shake in the plant district knowing nothing. This is 54 years ago. Financially, she made the wrong decision. But so I grew up in town and country. And the interesting point is in Tampa, just getting back to real estate, like the values and where the different areas have gone. And we just unfortunately sold her house because she's 95 now. So that house would have sold for three times the amount as she would have bought the one near Plant. But just, it's so interesting.
Stefan: The micro markets in Tampa.
Jane: Exactly. And then, you know, how I landed in real estate actually when Dylan, my older son, you know, I was in restaurant management and I stayed home for two years when he was born. And then, God did not put me on the earth to be a stay-at-home mom. So I got my real estate license. And then that was super fun. Like what everyone does. What can I do? Get your real estate license. And then I went into title and then honestly, it's been 34 years now. I keep saying 33, but it's going on 34. I got into the mortgage business because I was going to go to law school. And I don't know if I ever shared that with you. I wanted to go back to school. Some people remember way back then it was all the Donaldson Title. I worked there for three and a half years. And then I was in PR. I wanted to do something a little more fulfilling for me. And so I was going to go to law school and then someone said, why don't you get in the mortgage business? And he said, I'll pay for your license. And the guy, he had a mortgage company. And so I went to work for him. And then two years later, just fell in love with it. Just absolutely fell in love with the mortgage business. Two years later, opened up my own. And then merged it with NFM Lending 13 years ago. So that's how I landed in the mortgage space.
Alan: And it's not just you. I mean, you have, so you, as you've kind of built out your team over these years, I mean, you have Dylan, your son.
Jane: Correct. So Dylan's been, that's the part probably that I'm one of the things I'm most proud of is no matter what business you're in, really it's all about the people. And Dylan's been with me nine years now. The day he graduated, his friends are like, you're not taking a break. No, you're off the payroll now. So he's from UT. So he's been with me nine years. And then as you know, most of my team, Caitlin's nine years, John's 19 years. Not a lot of turnover, which is great. That's a testament to you and obviously your leadership because that's not easy to do in any industry, in any team, but to create a culture where there's no real turnover is amazing.
Stefan: I think the number one thing I'd love for you to share, that you've learned from day trading. Do you remember what you said it was, Alan? I'm obsessed with it. I talk about it all the time. Budgeting.
Alan: Oh, budgeting, right. Well, you can have a really good month and then you could lose money or not make money for a long time and so you have to be like a camel. I mean, it's like the ultimate ground for sales training in a lot of ways, right? Because you only eat what you kill. I always thought, we talked about it in the last episode where I've always wanted to be in industries where if you're really good, you get paid accordingly and if you're not good, then you don't really deserve to get paid and I feel like it's probably the same with you guys.
Jane: I love people. Because I think you're known now as someone who's like, we look at you and a lot of times when we're thinking of how to build our own business, I'm like, I have to emulate Jane in a lot of ways. WWJD, what would Jane do?
Alan: Well, thank you. That I'm honored. I think one of the things that I like is we not only evaluate our misses and our failures, but evaluate your successes, right? Because if you don't know why you're successful, how are you going to continue to reproduce that success, right? You asked about the open houses. So again, raised in town and country. We raise our boys in Odessa. I really didn't know anybody in South Tampa. And I wanted to start doing business all over Tampa. So it's been probably a good 22 years maybe ish that I said, okay, how am I going to? Because I knew I feel like I knew all the agents in North Tampa. So when I was doing PR for the title company, I literally, my job was go call on all these agents and take them doughnuts. This is back in the day, right? You take them doughnuts and you physically pick up contracts. So like I did that for two years. And because of that and those relationships that I built, when I decided that gentleman said, get in the mortgage business, those agents knew me as a human being. They knew me as a person. They knew that I would do what I said I was going to do. So it's that repetition, right? So I learned that. And then I decided I want to expand the market. So I literally said, I'm going to go to open houses. And when I tell you, I went to open houses and that's it. It's a crock pot, right? That's I think that's everything in life. It takes time and repetition. I would go Wednesday after Wednesday after Wednesday. And I just began to develop like those relationships with agents and then it's a process after that, right? The follow-up and all that. But basically it looks like I'm everywhere, but I'm where I want to be, right? And with who I want to be with.
Stefan: And your reputation is phenomenal among agents. Well, and that's one of our founding principles for ASG has always been about collaboration. In an industry that quite frankly, doesn't necessarily always lean from the agent sale side into collaborating with other agents. But for us, it's like, there's so much out there for everybody. I'd much rather have a collaborative relationship with all the agents in our market, as opposed to kind of trying to think that like, this is ours and we don't want to share or collaborate in any way. It takes too much energy to be competitive that way.
Jane: Well, it's the energy, but I find most people, you either have a scarcity mindset, or an abundance mindset. And I'll tell you way back, I had that scarcity mindset. I mean, I was like, oh, why is this lender walking in this open house that I'm doing now? I embrace, I'm like, oh my goodness, come in. And you know, what do you do that I don't do, right? And I think we need to surround. I think that comes with age. If you're 23 starting out in real estate and you need a paycheck to keep the lights on, then it's very difficult to not have a scarcity mindset.
Alan: Did you walk on fire? No. My sister's done that twice. When we went to Fiji and did it, we had to like climb this like 50 foot pole. It was at the top of the pole. You just stand up and then you jump. I am a big fan. I mean, how could anybody not be, look what the man's done for the world, right? I'm a big Tony Robbins fan.
Jane: Well, you know, I love that you said that because I've always like, I just have this insatiable desire to be better in every area, right? I want to be the best wife. I want to be the best mom. I want to be the best leader, you know, all of that. And if you're not constantly working on yourself, and reevaluating how you're going to get there.
Stefan: I have a question. And we're going to turn it from what we were talking about. I was talking to Alan about this yesterday. I was like, oh, I want to ask Jane this. So, you know, you hear a lot about the topic of the housing right now. Some people are like, we're in a bubble. Prices have in some areas gone up 100% or 50% or 75% since COVID. And then there's some people that don't believe that, but you've been in lending and you might have a unique perspective because you get to see from the lending side. So the last time that there was a big bubble that burst in Tampa was the great financial crisis. You were in lending. So are you seeing any similarities at all? What are your thoughts on housing as a whole, especially when you were in let's say 2006, 2007, the years leading up to that? Are there any similarities? Do you think it's different now?
Jane: I see no similarities. I'll never forget that. You know, we have those crazy defining moments in our lives. We all know where we were when the towers got hit, right? I was sitting at my desk and I watched this no job loan come across my screen. No job loan. No job. No income. No asset. No, no nothing. Like so. What could go wrong? Yeah, we're going to just keep on appreciating. And so back to my point though, there are no ratio loans now. There are loans out there. However, you have to have good credit. You have to have assets, right? There are what are called non-QM, non-qualified mortgages out there now. So I see no similarities now. When you say bubble, I don't say bubble. Just because those underwriting principles are there from a loan perspective. Have we had correction? You guys, that's your lane. I try to stay in mine, but it might be more of just like an affordability thing. That is exactly what I personally believe is the number one issue in our area in most parts of Florida and in many parts, not all, but many parts of the country. So it is an affordability issue, bottom line.
Alan: And even now, even with the correction. So, you know, obviously interest rates shot up. I mean, most of them are refined now that were at 8%. You know, now we're down to the low sixes, you know, which is, if you historically. It's like six or 7% is like the average, right?
Jane: Exactly. But you take again affordability to, to teachers. I mean, it's hard. It's hard to buy a house on, to me, that's the most underpaid profession on the planet is teaching. So I don't see bubble.
Stefan: Well, that's good news. Is affordability the number one kind of question that you're trying to manage or deal with when you have borrowers that are coming in and trying to figure out what type of products they can get into to be able to afford the type of home that they want? What other kind of questions are borrowers facing right now that you're having to kind of coach to guide them through?
Jane: Honestly, that's probably the biggest one. Now, you guys specialize in the higher end markets, right? The luxury, you specialize in that. And so obviously you're not going to have that issue amongst probably a lot of your clientele. But I work with the $100,000 buyer and the five. I mean, I work with them all, right? So affordability 100% because then we go into inflation, we go into all of it, right? The cost of everything right now. So that, if you're talking about like from a qualified, like that is the number one issue I see right now. And you mentioned earlier, you started seeing some refinances from like the 8% down to now, the low sixes, are you seeing an uptick in refis?
Alan: Yes. Yes. There's definitely, you should look at your pipe. They're in there. Yeah. We are seeing it. We're starting to see the beginnings of, I hope, another refi boom for everybody to be able to get into a more affordable rate now that rates are starting to hopefully tick down. Jane, is there like a mathematical equation you would do? Like when do you refi? Like what percent off do you need from your rate, and then how long do you need to stay in that house? Is there like an easy thing for people to know?
Jane: No, I'm really glad that you asked that question because that's a misconception. We took one, I don't remember what, it was like a 1.2 million. We took it down three quarters of a point, makes sense. If it's a $300,000 loan, give or take, it might need to be close to 2%. So again, it's all about the math, right? What's the recoup period? And just because, like when you say recoup period, what? Recoup from closing costs. Yeah, like if, and then again, everybody's situation is different, how long are they gonna stay? You're like planning on staying in that house. So if you can recoup those costs fairly quickly. So the clients that we've been refinancing, they have been able to pay a lot of their closing costs. They're recouping very quickly because this might be a two-step process for them. If they go down again next year, then when I say recoup, we'll do it again, but they haven't lost any money because they recouped it in six, seven months. So it all depends on the loan amount, Alan. That is the biggest factor.
Alan: Do you guys suggest or do you let the borrower whatever they wanna do to lower their payments or to shave off the time? When you're refi-ing, you can either restart the 30-year or whatever you're doing. Or you could just have the payments stay the same and it's just not as long, or just more to principle, right?
Jane: Yeah, and that's another really good question. And I think that's another thing that I just love so much about what we do. That's a very personal question, which we ask, right? We know everything, right? We've got their credit score. It's a very intimate relationship that you have with the borrower. It's very intimate. If I have, if I'm looking at someone and they're just, they want to keep up with the Joneses and their habitual spenders, that person, I'd rather put in a 15-year fixed mortgage because they're just not going to save money. That money's going to be spent anyway, right? They don't need to see that extra money in their account. Help them get out of their own way. And it's really interesting, Alan, because we've really been working our database, right? And everybody has a different story, right? Like, some people need to pay debt off, right? Some people, I can't tell you right now how many people have actually pulled some cash out. And in fact, I literally got an email this weekend. Hey, Jane, guess what? We paid our house off. True story. We paid our house off, but we want to do a cash out refi because we want to buy another property. Everybody's different. And that's what we love doing. I'm not, we're just not going to say, oh, this makes sense for you because it might make sense for you, but not for you. And that's like the personal touch that you add.
Stefan: Because you know, you know these people, you're like in the community, you're not just this big bank that, you know, sees a spreadsheet and says yes or no. It's, you know, you get to know the families. And that's part of the reason why we love, obviously, having you as a preferred lender with our borrowers because we know that they're going to get that personal touch. We know that they're going to be basically counseled that it's not a one-size-fits-all approach on the loan side. And then from us, from the agent perspective, I mean, we truly feel like you are a partner of ours in any transaction, which you don't get that at a big bank.
Alan: We are. It's so exciting, right? I'll call Jane's son on a Saturday and just be like, I called him a couple of weeks ago. I was like, Dylan, what do you think about 50-year mortgages? And he's like, Alan, I'm fishing right now. Leave me alone. He has a baby now. The world has changed. And he talked to me for like 30 minutes. It was amazing. So I think we'd be remiss to not ask you because we did talk about it on our first podcast, just as two agents talking, but what does your gut say and what are your thoughts on 50-year mortgages?
Jane: Okay, so I'm going to give you my thoughts. Here's the thing. If you just look at it like you compared it to, it's like buying a car, right? It's a depreciating asset. But the thing is here, we go back to affordability, right? Right. So it's not a whole lot different than those interest-only loans. Great for some people, horrible for others, right? If you're making that interest-only payment, which a lot of people did, and you're taking that delta and you're investing, oh my God, you're creating arbitrage, you're building wealth, right? But it's got to be for that purpose. Well, you and I are buying wine with the extra money. But truly, it sounds horrible like 50 years, right? But let's go back to those two teachers, right? Unless you believe that we are in a bubble and the market is going to tank. If you believe that, then it's probably not a good strategy. I don't believe that. So if you take, if that two, three, $400 difference, depending on the loan amount, that can get someone into the dream of home ownership rather than paying someone else's rent and make them wealthy, I'm all in. I'm all in. No, I get it. And then like we've talked about, they always have the ability in two years or three years to be able to refinance into something that's maybe a little more conventional if they're going to stay. And the other thing too, you may or may not know this. And to be honest with you, because it's just right now, it's just being talked about, right? Even when the 40-year came out, there's probably going to be hits on the rate. So we got to look at all of that. We just don't know. I get it. It's a great way for someone that's, like you said, it's a bridge to be able to get someone into home ownership. And you don't believe prices are going down.
Alan: Right. So then when you're looking, if this becomes a fruition, then do you help work with the agent to say, kind of like we talked about, there's micro markets in Tampa, right? So not every home is created equal, not every neighborhood or market in the Tampa area is necessarily created equal from an asset valuation standpoint. So then are you looking at the neighborhood and saying, hey, maybe this loan product, this 50-year mortgage, doesn't necessarily make sense, because historically speaking, this area of Tampa hasn't appreciated at the same rate as some of the other neighborhoods or areas?
Jane: No, because I feel like, again, and you guys know me, well, I really, even though I told you I love real estate, I love investing in real estate, I stay in my lane. And I think, again, if you believe, would you really put someone in a house if you thought that the price was going down? No, no, this is where the agent counseling comes into play. But to me, that's where like the partnership and the communication between all the different players for a buyer comes into play, so that everyone's on the same page and has the same goal in mind, where it's not just a transaction or a closing. This is, we're trying to create a holistic financial win for this buyer, while also obviously putting them in some place where they can create a home for them and their families.
Alan: So outside of the 50-year product that might come, but might not, do you think there's any other underutilized loan products that people kind of just don't know about or something that you would like to talk about that you think would be helpful?
Jane: I gotta tell ya, the non-QM loans are really prevalent right now. They're the non-qualified mortgages and I'm doing more of them than I ever have in my career. I mean, not a high, high percentage, but more than I have, and I believe it's the people that are really studying the market, and I was so happy I had this buyer say this to me on Friday before I said it to him. He's like, he doesn't have to buy right now, but he knows that when rates do go down, there's gonna be more demand and then prices will go up. So, he is in a hurry to get into something now. So, when it comes to like, there's the DSCR loan, a lot of investors are using. For those listening, what is a DSCR loan? It's basically, you do not use the borrower's income. Now, they have to have good credit, they have to have 20% down, but it makes sense. You think about logic, you are telling us, hey, this property is gonna rent for X amount, right? And that's what we're qualifying on. This is purely an investment property. So, you're really underwriting that asset. It's a collateral.
Stefan: How do you underwrite it in terms of, do you look at it if, obviously, it might be easy if there was like a long-term renter in there already, or if it was an Airbnb that was performing and it has data, like how do you guys?
Jane: Well, there's all different. It depends on the, like with Airbnbs, like you have to have two years on the tax returns. But if it's just like, I find, so right now some people are buying, we have incredible second home investment. We have an investor with pricing right now. So, a lot of people from up north that might, are gonna want to retire here or buy second homes, they're buying now. So, like if that, if you're using, you can just use, if it's a year rental, you can just get, basically get a lease, or you can get an appraisal that shows the rent rolls. I mean, it's just data-driven. It's all data-driven. But then these, back to your first point, these non-QM products are really strong right now for someone that just, they don't fit in that box. They don't fit in the box.
Stefan: Are you seeing that more and more in terms of, I feel like entrepreneurship is on the rise. So, like W2s are maybe not as common as they were 20 years ago with the rise of AI and like, internet jobs. And so, even for me as a day trader, I never had a salary and so it was difficult. When I was getting a loan, not only was I had only been day trading, I then decided to take a year off of work and travel with my wife, which apparently is not a good idea if you want to get a loan.
Jane: That's why you should ask Jim before you guys left.
Stefan: You live and you learn. But so, you're seeing, you know, a rise in entrepreneurship.
Jane: Yes, I absolutely am seeing that. Yes.
Stefan: Are the loan products keeping up? Because I know you already mentioned one, but are they keeping up with this kind of change? Because it seems like, I don't think this is going to go away.
Jane: Well, I know the big banks don't. If you're not a normal W2 salary person, like big banks don't like you in terms of like. Well, and it really goes back to guidelines, agency, Fannie Freddie, Ginnie on the government side. So many cool things were just said. Guidelines have not, they haven't changed dramatically over the years at the end. Now, what's gotten a little easier, like it was that self-employed two years tax returns. Now, if you've been self-employed for maybe five years, we could get away with one, but you're still needing those tax returns. So, your scenario is a really good one, like you're a super intelligent guy, right? And, but a lot of people, you do what you do, do something else for a living. Like, can I get a loan? And you're like, but I'm a day trader. I just took a year off, but it's okay. Cause I got money in the bank and you got good credit. And you're like, you can't get me a loan. Well, I can Alan, but you're going to pay an interest, higher interest rate, cause it's going to be a non-QM loan.
Alan: When I was asking Wells Fargo to get a loan during that time, they basically, I had, you know, 15 years of really good income, but they were like, and I had a letter from the company that I was working through saying that they allowed me to go on my vacation and I'm still like employed and all that. But they said, because you haven't had, you know, a pay stub or paycheck in the last, you know, four or five, six months that they considered me unemployed.
Jane: You pretty much were.
Alan: I was eating pasta and drinking wine. From six a.m. to eight a.m. I was seeing a green or red. The market was down that year. That's why I took the vacation. But everything happens for a reason. That's what led you to. To exactly. And to ASG. And how we're here today. Into your partnership, right? Yeah, exactly.
Stefan: We kind of have talked about it, but as we head into 2026, I mean, where do you see the mortgage industry in 2026 and kind of beyond? Where do you see rates heading in 2026? And do you think people are too obsessed with where rates are?
Jane: Those are both great questions. And yeah, gosh, Alan, people were, there's, they still are. It's gotten better, but obsessed is a good word. Like it is the rate conversations. Like. It's like they're day trading the rates. It's like, stop it. I can't wrap my brain around the times people have said that can buy, have the ability to buy, are crammed in a house that they're having more, whatever, for whatever reasons want to buy, but just because they can't get 3.5%, I mean, it is maddening. We see it all the time on the agent side. If you can get 2.5 or 3.5%, like if we can get that again, that is probably bad news, macro wise. Like they're only gonna artificially knock down rates if something bad is happening.
Stefan: Why do you think people are so obsessed with that? I mean, I know it's been drilled.
Jane: Well, one, everyone got spoiled for all these years of artificially low rates. It's just the way they raised the rates. It was basically, you know, zero forever, the Fed funds rate. And then I think Powell raised rates like eight times in one year. What a mess. And so you go from getting a 2.5 to 3% mortgage to a 7% mortgage in less than 12 months. And then it's, but now it's, it's evened out, you know. It was a struggle for me because we had a 2.5% in our old house. That's right. And people, it's psychology, people get anchored. But prices like, you know, home prices, people in 2020 didn't want to buy because they thought Tampa was too expensive. And then, you know, it doubles. And then they're like, well, I'm waiting for prices to come back to 2020 prices. But we're seeing less and less of it. I mean, I think the average rate this morning or Friday morning is like 6.17, 6.2, something like that. And, you know, we're getting back closer. People, the low sixes, I mean, that's palatable for a lot of people. So still hearing it, but not near as much thank God. And then honestly, like, if you look at everyone's predictions, people, I mean, they're predicting rates to go down at the end of 26, right? But not a ton, you know? I think, I think they're, you know, predicted in the mid, mid to high fives. Ish, right? That'd be great. So that's why, that's why I think we're seeing, like it's, this has probably been these past couple of weeks. I mean, we're sitting here, what's today, December 22nd. I mean, wow, like it's been busy. Like the activity, our leads were up last week. Our contracts are steady. And I've had four agents say, I kind of want it to slow down a little so I can get ready for the holidays. But I'm thrilled going into January because historically January is one of our, you know, slowest closing months. So, so I do think people are psychologically realizing that you're not going to see the three and a half again. You're not going to see the fours. And life doesn't stop for interest rates. And so things happen. So people eventually, you have to make a decision to make a move. And yeah, accept the fact that this is the new market reality, I think.
Alan: Yeah, I agree. I think this is probably what we're going to see for a while. And like you said, I think it's a good thing. As much as I miss my two and a half percent interest rate. Oh yeah, it's painful. It really is, right?
Stefan: Yeah. But you're in a beautiful home and, right? Life is better. Oh yeah, 100%. Beautiful home with a seven percent interest rate.
Alan: We did better than that. He's not that high up.
Stefan: Well, I think we're probably should wrap up and do some rapid fire. We do. We like to end every episode with kind of a. We like to end every episode. This is our second one. Well, the audience doesn't need to know that in my head. This is episode 99. Yeah, so we want to end with some just quick rapid fire questions. So I know, and by the way, Jane has not seen these questions. She has no idea. Jane, what would your, what's your favorite bottle of wine?
Jane: Oh, my God, it's a, it's, you know it, you know it. I was going to say Contessa, which is a cab, but it is an Amarone. I've been drinking a lot of those lately. Oh, I can't think of the name of it. I'm going to be in Amarone wine country, which is in near Venice in May. So we got to figure that out and I'll try to go to the winery and get an allocation.
Alan: Done. Holding you to that. We love wine. We love food. So what's your favorite restaurant in Tampa? At least right now.
Jane: It's a tough one. It really is. I'm such a foodie. Golly. I know that's ridiculous that I just can't even answer that, but the last meal that you had in Tampa that you're like, damn, that really blew me away. I guess I'll just go with Eddie V's. I love Eddie V's.
Alan: Do you ever sit at the bar and have Roxy bartender for you?
Jane: Are you kidding? Roxy's one of my besties like Roxy's the girl. Are you dancing when the band comes out to play? That's like one of my favorite places to sit at the bar and use it like music just so fun.
Stefan: Before we moved, that used to be our hang into my Friday night, date night, every Friday, because it was like six minutes from our house. Jane, you have to come to our Gasparilla party that my parents throw because we have Roxy there. We have Eddie V's come and do the food.
Alan: Are you a Bucs fan? I mean, I have to be right? You guys are season ticket holders, right? Yeah. We gave them up. Hank was from day one, but he gave them up. But now Dylan is. So it's still in the family. I have to listen to that every Monday morning with the team. Everybody has to talk about my Bucs. Unfortunately. Today is going to be a painful conversation this morning. If they win the next two games, I think they're still in it, right? But I almost feel like that could be the worst thing that happens for the team. Because there needs to be a fundamental coaching change, I think. Anyway.
Stefan: All right, Jane, if you weren't in lending, but not even in anything real estate adjacent, what would you be doing?
Jane: You know, something at this stage in my life, it would just be something along the lines of nonprofits. Like, I'm just so passionate about all the nonprofits in the community and serving on boards. And that's just where my heart is now.
Stefan: Great. One or two more. So what's the best advice you've ever received in business?
Jane: Pour into people. Pour into people. Man, develop your people. It's all about who you surround yourself with.
Alan: And then an even more serious question to end it. What is your go-to coffee order and coffee place in Tampa?
Jane: My go-to coffee order is a non-fat no-foam extra hot latte. Honestly, I go to Kawa almost every morning. I'll go to Buddy Brew when it's more convenient. And you know where else has a really good latte is Toffee to Go. That's my new place to meet people. And it's such a cute little place to meet people, right? So, yes, I love that. That was easy. SOG Cafe, right here on Interbay. It's unbelievable. That used to be Spaddy's. The coffee used to be Spaddy's there and now it's just SOG. I saw it there yesterday. I was visiting Kellan and my new grandbaby. And I ran in there and you know what? It was amazing. I had a latte yesterday afternoon and it was fabulous. And the owner's one of them. He's the nicest guy. He's always there. Oh, I love supporting local.
Alan: Well, I think, I mean, I have a million more questions like at rapid fire, but we'll do those over wine. But perfect. Thank you so much for joining us. Oh my gosh. Honored. Thank you. We are honored. We've been honored. First guest, Jane. You're our first guest. When we were thinking about who should we have as our first guest on the podcast, it was never a question. The first name I said was, we gotta have Jane. Guys, just thank you. Thank you so much for joining us.
Stefan: For our listener. We only have one. Christine out there. My wife. Thanks for listening. Christine. Love you, baby. No, for those listening and watching the podcast, what's the best way to reach you and your team if you have a need on the loan?
Jane: Caitlin, what's the best way to reach us? 813-7588-334. We'll include that. Or just reach out to us and we can get you in touch with Jane. Yeah. The easiest way is if you are a buyer looking for something, contact us. And our first connection is going to be to Jane and her team.