Jim Sheils and Kerry Lutz discussed the current state of the real estate and investment industry, focusing on the Florida market. They talked about the challenges of building affordable housing and the potential for growth in different areas of the state. Sheils provided an overview of her company's in-house financing program and the types of residential properties they focus on. The conversation also touched on the impact of mortgage rates on investment opportunities and the scalability and desirability of new construction properties. Overall, the meeting provided valuable insights and strategies for anyone interested in real estate investing.