Why I'm SUPER Mad

Question this week:

"Can I have a link for 'THE outfit'?"
- A Newsletter Respondent

Hey there {{contact.first_name}}!

It has been a week of tech issues -- from email, to DSCR pricing platforms, to my own creations, and I have been mad. I don't know yet what I am trying to build, and we'll eventually find out together. I do know that I have been doing it the hard way. See more in this week's main article, below.

The first ever book club meeting of the new Freya's Arbor virtual sisterhood for Women Entrepreneurs took place this week, and it was exactly what was needed for everyone who could be there! If you haven't checked out this virtual community yet because you're overcommitted and short on time, those are precisely the problems we are solving together and supporting each other through. This is not about hustling to get it all done, or gritting your teeth and smiling through it. This is about being more whole and more complete, both personally and professionally. With the first 60 days free and $25 per month after that, you have absolutely nothing to lose except your frustration. Use coupon code FREYA60 here.

In lending this week, I currently have an HOA questionnaire under review for the refinance of a potentially non-warrantable condo before we even make application. If those words were a bunch of nonsense to you, read the DSCR article in this issue, below. Hint: it has nothing to do with actual warranties.

First, I am not one to get angry very often. What made me super angry this week...

All my best,
-- Kris 🌱🫶

PS - Last week’s newsletter received the highest response rate of any newsletter I’ve ever sent, so here is “the outfit” that I told you about, in case you would like to know.

Do you ever realize you’ve been working really really hard, only to discover you’ve been doing it all the HARD way?

Yeah. Me too. And I am furious about it! Even my husband of four and a half years, Tim (shout out to my cutie-pie!), remarked that he rarely sees me angry. But this week, I was get-my-cape-because-I’m-super-angry kind of angry.

I have been up to my ears all week long, only to find that everything I did was either wrong, or much more difficult than it had to be – as evidenced by this week’s newsletter coming out on Sunday instead of two days ago on Friday, as is more usual. 

Last week, I hinted at the AI project I have embarked upon. I shared with you that I was contacted and asked what AI I use to create this newsletter, and that I responded that I don’t – this is all written by me. In full transparency, as is always a priority, I do use AI daily to help me research, to answer my questions, to provide solutions, and to proofread copy that I write. This inquiry did get me thinking… I have years of newsletters, Youtube videos, workbooks, presentations, blog posts, and on and on. What if I uploaded all of that content into some really clever AI, and asked it to help me improve my business with that material? What would AI tell me to do? What if I could use this as an experiment to empower other entrepreneurs, and solopreneurs in particular, to improve their work lives, and their overall lives as a result? What if there are some really cool discoveries that could help ALL of us? AI is such an incredibly hot topic right now, and entrepreneurship in the US is currently at a historic high. There is a ton of opportunity for all of us to have greater prosperity and freedom, but how? Therein lies the question.

Not one to jump on a bandwagon, I know there are already loads of content creators giving detailed instructions on AI. I don’t see a void there for me to fill. However, mindset and the human experience are tremendous components of my work. This time, I happen to be the human failing forward on this specific journey. So back to my extraordinary (for me) anger…

My initial idea was to use AI to build better and better AI, and it worked for a while. I have been using Gemini from Google for about a year or so. I also regularly use whatever chatbots happen to be built into whatever platform or SaaS (Software as a Service) I happen to be utilizing. They clearly have their pros and cons. One of the most frustrating downsides I frequently encounter is their lack of long-term deep memory. I get annoyed that I can’t talk to Gemini this week about something we did last week because it’s no longer in Gemini’s memory. Given the volume of content with which I wanted my AI to be familiar, this was one of the first problems to solve.

Though I do not consider myself a tech-person at all, and one of the only things I miss about having a “real job” is the availability of a tech support desk to call, I am pretty determined about this project. “Hyperfocused” might be more accurate. So, Gemini and I worked at this deep memory problem experimenting with multiple systems, software integrations, new subscriptions, cancelled subscriptions, API keys, and even writing code for the last two weeks. On Thursday, ohhh that fateful Thursday that shall forever remain in my deep memory, we lost everything. Absolutely everything. Each little bit of hard-won incremental progress we’d made. Every two steps forward and one step back, shifting lanes, trying again, all of it. We got locked in a loop, which closed the gate on my work, and I had to do what was essentially a factory reset.

I was fuming. And exhausted. In this emotional state is where my darling Tim found me. He sweetly hugged me and said, “it will be okay.” My reply made him laugh out loud: “I know that! But I’m not finished being mad yet!” Tim’s laughing made me laugh and I got over my anger pretty quickly. Then, as I took a deep breath and sat down the next day to attempt to fix what Gemini and I had built and broken, I stumbled upon the previously mentioned loads of content on Youtube, Reddit forums, n8n forums, and so much more. I can now not just quickly recreate what I’d lost, but I can do it much better and faster by simply copying templates that have already been made by people exponentially more tech savvy than I am. In fact, at the gym last night as my workout buddy did fun things on her phone while we walked on the treadmill, I was watching AI tutorials on Youtube, stomping out my two miles before I went to the weight machines.


Here are my key takeaways for you:

  1. Tech support 101 is to turn it off and turn it back on to see if that works.

  2. Tech support 102 is to keep a backup. Keep copying and recopying so that if you “break it,” you can revert back to the last version. I know that we know this. Just don’t get in a rush or get overly excited and skip it, like I did. Please, just don't not do it.

  3. Have someone in your life who can readily accept you at your worst. Cultivate this relationship and treat it as precious as it is, because it’s one of the most valuable investments you’ll ever make. 

  4. Laugh at yourself, even if you have to finish being mad first. You’re allowed to have emotions, even negative ones. But don’t sit in the metaphorical mud too long. Hose yourself off, have a laugh, and keep going. 

  5. Don’t be afraid to experiment. I effectively hit a factory reset button, but I’m choosing to call it failing forward. That deleted data wasn't a waste; it was the tuition I paid to learn a better way. Many studies indicate that experimentation, especially failed, is what builds success and confidence… eventually.

  6. And last but certainly not least: Leverage other people's genius. For all that is good and holy, search YouTube first! Had I just done a little bit of research two weeks ago, I would have found people operating in their Zone of Genius who had already solved this problem. I could have saved myself this frustration and been much further along! 

Or, as I've always told my kids,
"You don't have to make all of the mistakes yourself."

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I currently have an HOA questionnaire in underwriting review for the refinance of a potentially non-warrantable condo before we even make application. Here’s why…

If you are eyeing a condo for your next investment portfolio addition, you have likely encountered the terms "warrantable" and "non-warrantable." While this might sound like dry banking jargon, understanding the distinction is critical. This status dictates not only how you finance the deal today, but may significantly impact who can buy the property from you in the future.

The "Warrantable" Standard A warrantable condo meets the strict guidelines established by government-sponsored entities (GSEs) like Fannie Mae and Freddie Mac,. Lenders prefer these properties because they are viewed as lower risk and the loans can be sold on the secondary market. To maintain warrantable status, a project generally must meet specific markers regarding financial stability, limited commercial space, and ownership concentration,.

Defining "Non-Warrantable" A non-warrantable condo is a project that fails to meet these specific government criteria. Common triggers include projects that operate as "condotels" (short-term rentals), have high investor concentration, or are involved in active HOA litigation.

Know Before You Offer You should avoid waiting until you are under contract to discover a condo’s warrantability status as it drastically changes your available financing opportunities. Because non-warrantable properties carry higher risk, they generally do not qualify for conventional financing.

Instead, you will almost certainly need a Non-QM product. However, it is crucial to understand that even many DSCR lenders will not accept non-warrantable condos as collateral. Just because a loan is based on the property's cash flow does not mean the lender ignores the health and structure of the condo project itself. If you locate a lender that is willing to fund the deal, you should generally expect requirements for a larger down payment and a higher interest rate compared to a warrantable unit, even for DSCR loans.

The "Exit Strategy" Trap Perhaps the most critical reason to understand warrantability is how it affects your future exit strategy. If you purchase a non-warrantable condo today, it will likely remain non-warrantable if or when you decide to sell it or refinance it in the future.

This status can dramatically limit your future buyer pool. A potential buyer looking for a primary residence—who typically relies on FHA, VA, or conventional financing—will likely face significant hurdles obtaining a loan for the property. Consequently, when you go to sell, you may be restricted to selling to cash buyers or investors with access to specialized financing, which can affect both your sale price and how long the property sits on the market.

The Bottom Line When analyzing a condo deal, the warrantability status is a vital data point that affects your entry and your exit. Make sure you ask the right questions about the HOA and project composition before you sign the contract so you aren't surprised by financing hurdles today or a shrinking buyer pool tomorrow.

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Do you have questions about DSCR loans or want a quote? Email me at hello@krisfleming.net, or click below.

DSCR Information

Generational Prosperity. Resilient Freedom.

This has been newsletter issue 2603, published on 20260124.
View an archive at The Genius Journal.

615.234.1236
hello@krisfleming.net

Copyright © 2026 The Genius Cultivator LLC, All rights reserved.
Our e-mail address is: support@krisfleming.net

The content provided is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Lending provided by Oaktree Funding Corp., NMLS# 71640. AZ State MB 0920541 www.nmlsconsumeraccess.org | Not all lending products are available in all states. Kris Fleming NMLS 804170 does not engage in consumer-purpose lending of any kind and this information is intended solely for business-purpose real estate investors. Equal Housing Lender.

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