Guest: Brandon Cobb

What are your borrowers thinking? What do they want to make you their preferred lender? Brandon Cobb joins Mark today to talk about what it is like to be a borrower and what credit unions can do to make real estate investors long-term and happy members. 


  • [2:26] Brandon shares his professional background, taking him to HBG Capital
  • [7:27] Brandon gives his impression of what he thought a credit union was before he spoke to Mark
  • [11:31] Interest rates have affected the real estate market, particularly with commercial property¬†
  • [15:29] Brandon speaks about the Nashville market
  • [17:36] The cost of goods has stabilized somewhat over what it was three years ago; however, the situation with cargo ships has affected the arrival of goods
  • [20:19] Brandon talks about the supply and demand for entry-level properties, and he suggests following the money
  • [27:30] Brandon states what a suitable lender looks like to him
  • [31:56] How to contact Brandon


  • Many people believe that you have to be a member of a union to use the services of a credit union. That is untrue.
  • Commercial property has decreased in value because the costs of upkeep and payment are higher. Many commercial properties are not occupied.
  • When a market is affected negatively, it presents an opportunity to buy low.


Mark Ritter Website
Mark Ritter – LinkedIn
HBG Capital Website


Mark Ritter is the CEO of MBFS and an expert in credit unions and business lending. His primary role at MBFS is overseeing the strategy of helping credit unions assist members with business needs and consulting with credit unions on planning the delivery of services to their membership.

Brandon Cobb is the CEO and founder of HBG Capital in Nashville, TN. HBG Capital is a vertically integrated real estate investment firm providing investors superior risk-adjusted returns built to be transparent for the investor and designed to be insulated against market volatility, secured by entry-level single-family residential real estate in Middle TN & value-add Class B & C multifamily in the southeast.