Market Conversations and Central Texas Transit Update; Austin Mayor Kirk Watson @ ABOR Headquarters NW Hills 

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 I did it again! The Morning Jo's RUN Club. 6 am Tuesdays @ Jo's Coffee South Congress Avenue ATX . Today's run was 4 miles in length. This is perhaps the largest, most fun and varied pace social run club in all of Austin, Texas! It has been in existence for 7-8+ years. Currently in the year of 2025, they average around 200, yes 200 morning runners each Tuesday, start time 6 pm.  The organizer said the max they've ever had was 350 people. The run route for this well- populated urban group starts on South Congress Ave and heads directly north to the Texas Capitol Gov't building. It's a straight shot down SoCo. Then the route wraps around the rear of the Texas State Capitol granite building and returns back due south on SoCo, until the happy ending post hill climb at Jo's Coffee SoCo.  The unique positives of the Morning Jo's Run Club are: There are human volunteer PACERS for joggers in the 7,8,9,10,11 and 12 minute mile categories. There is even a walk ...

 I did it! My First RUN CLUB social in Austin Texas (start time 6:30 AM Friday Mornings @ FLEET DT Seaholm District) I've commenced physically RUNNING, walking, jogging for Exercise. I'm in my 6th week of running 2x,3x,4x per week for about 3.5-5 miles each trip in duration. I've also abstained from eating any fast food or red meat. So far I'm down in GVM LBS from a high of 248-249 pounds and this morning was 237 pounds. My goal is perhaps 210 or 225 pounds?  So this was my actual 1st every social ATX Run Club attempt. It starts every Friday morning AM at 6:30 am @ the FLEET running store in the Downtown Austin, Texas Seaholm District.  Since I live in St. Elmo SoCo, I almost missed my alarm, but popped up at 5:59 am, got on my clothes, gear, watch, running shorts, t-shirt, hat, etc and  drove my Moped Downtown. Although very few cars are on the Road at 6 am, the red stoplights still slow you down.  At 6:30 am the FLEET store hosts called it, "the Chillest ATX ...

  Great question, GV! Two different documentation types: Full documentation gets the better rates: income taxes, paystubs, etc, so the borrower's earned income is the basis for underwriting. DSCR= debt service coverage ratio. When I can't get the customer qualified going full documentation, this is a good one b/c I don't need taxes. Basically, if the rental property's income covers the full payment, we have a loan. Actually, the rent has to cover 75% of the payment.  There are other minor things that go along with the above, but that's jist of it. Realize DSCR is only for investment properties. Joel Richardson Lender Joel  Richardson VP Branch Manager phone: 512-203-8244 email:  Joel.Richardson@fcmhomeloans. com