1 rich Libsyn https://www.libsyn.com 90 600 In this episode, Shannon breaks down the structure behind interest rates and demystifies the often-confusing world of interest rate swaps. She explains how banks separate their cost of funds from their profit (spread), the differences between variable and fixed rate loans, and how swaps allow lenders to transfer interest rate risk while potentially offering borrowers more competitive pricing. Shannon walks through how swaps are structured, why borrowers typically start out “upside down,” and how the value of a swap evolves over time — including what happens if a loan is paid off or refinanced early. She emphasizes that fixed rates are only one piece of the puzzle, and that borrowers must also evaluate fees, penalties, and overall loan structure. For physician groups financing medical real estate or considering hedging strategies, this episode provides essential insight — and a clear reminder to work with trusted advisors who understand the data behind the deal. Join the next session of Physician-Owned Real Estate 101 at the CPOMP 2027 Annual Meeting, January 21-23, 2027 at the Omni Scottsdale Resort and Spa at Montelucia. Register at&amp;nbsp;www.CPOMP.org/cpomp-2027.&amp;nbsp; The Physician-Owned Medical Real Estate Podcast http://cpomp.libsyn.com/website <iframe title="Libsyn Player" style="border: none" src="//html5-player.libsyn.com/embed/episode/id/40346385/height/90/theme/custom/thumbnail/yes/direction/forward/render-playlist/no/custom-color/88AA3C/" height="90" width="600" scrolling="no" allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen></iframe> https://assets.libsyn.com/secure/item/40346385