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Speaker 1: My next guest went from making six dollars and fifty

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Speaker 1: cents an hour to own at one point seven million

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Speaker 1: dollars worth of properties. Like I stated early, she's a

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Speaker 1: twenty five year old and she's a mother with an

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Speaker 1: amazing testimony. Please work on to money making conversation. The

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Speaker 1: CEO of Rosebuds Investment dubbed the millennial millionaire Jemisa like

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Speaker 1: ivor thank you, thank you having me? I think I

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Speaker 1: need to take you everywhere et Well, guess what I

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Speaker 1: would mind. You know, I wouldn't mind following you. You know,

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Speaker 1: you know I would say good things about you. All

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Speaker 1: I needed to do was add some applause. So where

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Speaker 1: are you calling me from? So I'm in Pennsylvania. I'm

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Speaker 1: originally from Philadelphia and I just moved. Like to update

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Speaker 1: Consylvania from your Pennsylvania native. Yes, okay, cool? Good. So

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Speaker 1: what exactly is Rosebud Investments. Lose Buds Investments is the

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Speaker 1: company that I started, but I like to say that

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Speaker 1: it's more of a lifestyle. So what happened is when

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Speaker 1: I was about nineteen years old. Um, my grandmam, which

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Speaker 1: is my dad's mom, she started to ask me questions

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Speaker 1: about the house that she she lived in. Like, if

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Speaker 1: something was to happen to me, you know, what would

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Speaker 1: happen to my house? What would happening you know all

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Speaker 1: of those things that I clearly didn't have to answer to.

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Speaker 1: But what we did was we put myself on her d,

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Speaker 1: which is called a dollar D transfer, right, so I

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Speaker 1: think it cost about a dollar and then I did

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Speaker 1: some insurance stuff and the title you know, that might

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Speaker 1: have been three hundred. And that was fine. So remember

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Speaker 1: I'm an eighteen years old at that time, I had

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Speaker 1: one child, um, and that's when I was being the

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Speaker 1: best casher in or. I got to talk to you

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Speaker 1: guys about that being the best cansher. But what happened

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Speaker 1: that she did a dollar D transfer with me. She

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Speaker 1: put me on her d, and it was fine. It

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Speaker 1: literally meant nothing to me because this was the house

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Speaker 1: that she had lived in my whole entire life. So

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Speaker 1: I didn't understand the dynamics of what was done. Just

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Speaker 1: going through the process making grandma happy. You know, she's

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Speaker 1: peace of mind, you know, okay on the team making

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Speaker 1: it happy. Yeah, that's it. And I'm like, okay, great, whatever.

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Speaker 1: So it's like you have a house at that point.

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Speaker 1: At that point, I was a homeowner. But to me,

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Speaker 1: you know, I didn't know the dynamic. She still lived there,

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Speaker 1: so I'm still looking at it like, you know, this

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Speaker 1: is Grandma's house. Um, she died, like I want to

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Speaker 1: say a year after that. She may have known what

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Speaker 1: was going on. I will say that she wasn't the

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Speaker 1: healthiest person. She was overweight, and she had breathing problems

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Speaker 1: like a co op dingy which started off as being

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Speaker 1: gradually you know, going, So she wasn't the healthiest, which

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Speaker 1: may have sparked that conversation that she had with me

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Speaker 1: when she did it. Um, So she died literally it

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Speaker 1: was sudden, no was unexpected. She died. So she's passed away,

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Speaker 1: and you now have this house in your home, your name,

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Speaker 1: so then this is the thing, it's in my name.

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Speaker 1: Now that's when reality actually set in for me because

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Speaker 1: it's like, okay, this was my house, but now this

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Speaker 1: is like my house. Help you mean like the maintenance

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Speaker 1: to taxes, like all of this is mine right because

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Speaker 1: remember her living there, I didn't have to do anything.

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Speaker 1: She kept everything as is really you know whoa So

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Speaker 1: at that point, um, that was my first brush with reality,

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Speaker 1: like my first life. Okay, you have to be responsible,

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Speaker 1: like this is something that you're gonna have to do.

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Speaker 1: And at that point, I was pregnant with my second child.

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Speaker 1: There's this little girl, um and if you ever have

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Speaker 1: the pleasure of meeting her, the way that she is

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Speaker 1: now is exactly how she was then. Meaning she gave

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Speaker 1: me a run for my money the whole time. Right,

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Speaker 1: So during this part of my pregnancy, my water bag

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Speaker 1: rub shut didn't break. They had me on bed right,

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Speaker 1: she was putting me through the motions, and I did

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Speaker 1: not have time to really, you know, do all of

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Speaker 1: the things I end up doing anyway. So the first

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Speaker 1: that after she passed away was I had to go

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Speaker 1: through the family feud. Money tends to bring out the

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Speaker 1: best verse of all people. So you have to keep

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Speaker 1: in mind that I am her grandchild, but she has

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Speaker 1: like ten grandchildren. Um, she also has children who are

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Speaker 1: twice my senior, my father being one of them. That

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Speaker 1: I have three uncles and I and they're all like

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Speaker 1: older than much Olderance and you and you got the house,

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Speaker 1: she gave it to me. Uh man, listen. So that

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Speaker 1: didn't go over too well with people. Um, my grandmom's

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Speaker 1: requests when she gave me the house, though they were

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Speaker 1: really specific. One. She wanted me to be the landlord

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Speaker 1: of the house that was the family house. She didn't

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Speaker 1: want us to sell it because that's all we had.

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Speaker 1: I remember her saying, it's all we got. I'm like, okay,

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Speaker 1: So she wanted me to be the landlord. I'm responsible

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Speaker 1: with anybody lived there. They went to pay me rent um.

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Speaker 1: She didn't want anyone arguing over it, and I was

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Speaker 1: pretty much it. Well, that was a request that she made.

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Speaker 1: If we know, the arguments came listen, and that's what

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Speaker 1: I was gonna say, Like that was almost impossible what

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Speaker 1: she was asking of me. I mean, she knowing who

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Speaker 1: we related to, that's why she gave it to me.

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Speaker 1: Not you want them to pay me grandma. They don't

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Speaker 1: pay me mine. Hello, Like so she she pretty much

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Speaker 1: set me up right. Um, so, yeah, the arguments came.

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Speaker 1: Everybody wanted to live there at once. They were going

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Speaker 1: to pay me three hundred dollars for rank. I mean

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Speaker 1: the Texas were a thousand dollars. So you go figure,

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Speaker 1: what am I gonna do? It's like hello, and Grandma

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Speaker 1: was grandma too, So then you have that deferred maintenance

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Speaker 1: because you know, she so she could fix everything. We

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Speaker 1: know the type of stuff she was plugging and selling

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Speaker 1: in there, so you know that was an issue as well.

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Speaker 1: But I do remember and the very beginning, trying to

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Speaker 1: honor her wishes, I said, Okay, let's fix it up together,

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Speaker 1: let's do X y Z. There was no together. No,

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Speaker 1: they didn't want to do anything. It just was really

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Speaker 1: really bad. Um. So I remember, he's my husband now,

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Speaker 1: but at the time he was my boyfriend. So we

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Speaker 1: started to seek out contract this and this is my

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Speaker 1: first experience for anything like this. So we're finding anybody

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Speaker 1: like we want Andy's lists, like craig List, like you know,

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Speaker 1: finding contract when you find you try to find the

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Speaker 1: cheapest rate too. In contract you're trying to get a

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Speaker 1: deal on a deal, And so I understand where you're

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Speaker 1: coming from. Listen, I'm me cash here, you know, help

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Speaker 1: me fix it. M This was the first aha moment

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Speaker 1: that I wasn't paying attention to every contractor that came.

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Speaker 1: I mean the numbers were constant, that forty thou fifty

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Speaker 1: numbers that was unheard up to me at the time.

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Speaker 1: I'm like humh, like yeah, yeah, the foundation is off

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Speaker 1: I'm like the foundation she lived here, like the foundation

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Speaker 1: is fine, like the houselide falling down, you know, killing me.

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Speaker 1: But one thing that remains very very constant was that

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Speaker 1: you might as gonna sell it. I bite right now,

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Speaker 1: like it was prushing, like everybody who can't get sell

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Speaker 1: it right now? I had this one contract. They're like, yeah, look,

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Speaker 1: I'll walk you to my truck right now and right

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Speaker 1: you to check. I'm like huh, Like they wanted this

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Speaker 1: house really really really really bad. But them two were

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Speaker 1: giving me numbers like yeah, the most I could give

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Speaker 1: you seventy tho, you know, the most I could give

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Speaker 1: you with seventy thousand, and I'm just like uh. And

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Speaker 1: they probably saw me coming, like they see this little girl,

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Speaker 1: but seventy tho more than she probably ever had. And

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Speaker 1: I didn't settle that. We're gonna hi, we're gonna put

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Speaker 1: a high repair rate. Look at it, a slavish breaking

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Speaker 1: the rough about to fall on you. I take it

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Speaker 1: off your hand for like sixty dollars, okay, because they're

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Speaker 1: gonna call you a hundred thousand fixture everything. You don't

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Speaker 1: gonna be burthing with this. That's what they tried. Didn't

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Speaker 1: work out there. Very strong person. Every has strong person.

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Speaker 1: Now what ends up happening was the guy who lived

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Speaker 1: next door to my grandma, really well shaved suit and tie,

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Speaker 1: nice little maybe a lawyer, I don't know what it is.

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Speaker 1: He became my friend because I had to go back

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Speaker 1: and forth to the hospital and when my family would

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Speaker 1: break in because they started doing stuff like that like

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Speaker 1: breaking and squaw and I'm plugging a deep freezing and

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Speaker 1: all tool go bad for the house was snow like

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Speaker 1: they started doing really bad stuff. So he saw the

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Speaker 1: hard time that I was having and he would just

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Speaker 1: contact me with something would go wrong, and hate somebody

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Speaker 1: and through the back window you might want to cook,

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Speaker 1: come over here. He wasn't trying to have all that

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Speaker 1: chaos next to the three hundred thousand dollar house that's

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Speaker 1: right see right there now, three d three year house.

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Speaker 1: They offered you seventy thousands. And this is crazy. Now,

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Speaker 1: I wasn't paying attention to patterns. That same block that

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Speaker 1: we're discussing right now. At a point in time, every

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Speaker 1: house on it was abandoned, and then after that every

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Speaker 1: house was knocked down. So they had it like as

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Speaker 1: the hope that you could stand at the corner and

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Speaker 1: see the end of the blocks, like that's how they

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Speaker 1: had everything knocked down, and at this specific time, every

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Speaker 1: house on that block looks exactly the same, talking about

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Speaker 1: the three story rooftop deck exactly the same. I was

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Speaker 1: not paying attention. It adn't even going on me to

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Speaker 1: ask why is this man living next to my grandma?

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Speaker 1: Like that was the ship that some of the dude

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Speaker 1: fun you are living next to my brother didn't even

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Speaker 1: bother the as but um, he was the person who

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Speaker 1: connected me with the rotor, because that's what end up

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Speaker 1: happening that. I was overwhelmed. I got frustrated. I'm like,

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Speaker 1: what am I going to do? Be like, listen, um,

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Speaker 1: the guy who helped me purchase my house, he can

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Speaker 1: help you. He helped me by this house. I was like, okay, great,

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Speaker 1: give me his card, because at that point I felt

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Speaker 1: like I was being pulled so many different ways. I

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Speaker 1: know he didn't want anything from me. I mean, he

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Speaker 1: definitely wanted me to get my family away from him,

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Speaker 1: but outside of that, you know, it was no, he

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Speaker 1: wasn't looking for anything. So so with that being said,

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Speaker 1: these are I won't just point out to people, these

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Speaker 1: are the people. Relationships are key. That's what you're saying

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Speaker 1: right now, is that if you didn't have this relationship,

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Speaker 1: then you wouldn't you would have not you've been you

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Speaker 1: never would understood what was going on. The more so,

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Speaker 1: and a lot of people kind of mis gage relationships

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Speaker 1: because relationships are people don't want anything, they just want

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Speaker 1: you right by you. And also advice and also opportunity

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Speaker 1: to be successful is tied to that relationship. And so

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Speaker 1: here you're in eighteen, you're pregnant, your relatives breaking in,

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Speaker 1: the contractors trying to trying to lowball you on your home.

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Speaker 1: The home next year's three hundred thousand dollars your home.

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Speaker 1: They offer your seventy five tho dollars at the most,

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Speaker 1: but they tell you're gonna cost you fifty thousand dollars

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Speaker 1: and getting repaired. When we come back, we're gonna hear

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Speaker 1: the other part of this story and also how she

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Speaker 1: bought nine properties in one year from Jamsa Yeah, Jamessa,

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Speaker 1: Jamia right, Jimmisa mac ivor more on money Making Conversation.

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Speaker 1: This is a great story testimony that we all need

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Speaker 1: to hear about it. Hi, this is Sean McDonald. You're

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Speaker 1: listening to money making conversation. Have a great interview going

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Speaker 1: right now with Jamsa, Like, all right, she used to

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Speaker 1: see CEO or Rosebud investments. Um, she's telling us a

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Speaker 1: story about the first experience that she had in getting property,

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Speaker 1: obtaining property, and it was by basically by happens that

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Speaker 1: her grandmother uh gave her the home she passed away.

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Speaker 1: Then all the relatives all head broch loose, the relatives

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Speaker 1: going how did you get it? Even all the way

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Speaker 1: up to the big Papa, so hey, I should have

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Speaker 1: got the home. Now that it got so bad that

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Speaker 1: they were squatting inside the house. They was trying to

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Speaker 1: but they were breaking inside of the house. But she

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Speaker 1: had this guarden name Guardian Angel, living right next to

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Speaker 1: a gentleman who lives there. In his house was valued

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Speaker 1: three h dollars. He had contract to try to give

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Speaker 1: her seven or five dollars. And at at the same

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Speaker 1: time that whole block was being torn down. So you

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Speaker 1: know construction is coming. You know new construction is coming.

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Speaker 1: Because what happens in the neighborhoods like this throughout the

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Speaker 1: country is that they'll go to the city and they'll

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Speaker 1: tell the city we're putting new homes here, which would

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Speaker 1: increase property value. Which if you increase property values, that

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Speaker 1: means that you can pay more taxes and charge more taxes.

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Speaker 1: And cities allowed that to happen, And so that's what

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Speaker 1: it's being. That's what's occurring to her her proper the

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Speaker 1: zone right now, correct? Correct? So now you are, you've

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Speaker 1: seen all this stuff, you know that's happening around you.

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Speaker 1: You got your first home. What's what were the next

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Speaker 1: steps of really kind of blossomed to the opportunity of

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Speaker 1: you becoming a business person? Okay, and so, um, what

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Speaker 1: happened was I end up selling it long story shorts

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Speaker 1: like in the nutshell. I connected with the develotaire. We

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Speaker 1: listed the property at one sixteen o three days later. Um,

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Speaker 1: we are at we have a bidding war going on.

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Speaker 1: I'm still not paying attention, mind you. I'm like, okay,

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Speaker 1: not not trying to figure out why these people want

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Speaker 1: this so bad. A bidding war like all of these

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Speaker 1: and new terms and concepts. So we listed it at

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Speaker 1: one sixteen three days later. We had a bitter war

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Speaker 1: going on. By the end of the week, I end

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Speaker 1: up accepting the offer for a hundred and fifty two

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Speaker 1: so I mean that's a lot of money. Yes, cash

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Speaker 1: shared like that was more money than I have ever

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Speaker 1: six dollars and fitted correct. Listen, let me tell you something. Yeah,

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Speaker 1: that was enough to go buy a Foopermarket if I

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Speaker 1: wanted to. I was exciting. I was super excited until

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Speaker 1: I found out that I could have sold that house

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Speaker 1: for three d so this is the magic number or

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Speaker 1: three city, depending on how I spent it. When I

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Speaker 1: found that out, I was like, well, what did I miss?

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Speaker 1: You know, at that point, I felt like I'm missing

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Speaker 1: I left money on the table. I was upset, and

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Speaker 1: that's when I realized that education is so so so important,

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Speaker 1: like having a plan, Like you said, it's some praying.

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Speaker 1: She gave me the house to say, that's all we got,

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Speaker 1: and that's all she knew. So she doesn't tell me

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Speaker 1: anymore than she's known to be true herself. You know,

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Speaker 1: at a certain age, you know, that's that complacency she older,

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Speaker 1: she used to rishis to she worked for she got

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Speaker 1: a house. That's it. It was, it was that was

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Speaker 1: it because I felt like that was the American dream.

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Speaker 1: You know, maybe I guess I want to say she

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Speaker 1: was a baby Boemers that was there, pulled baby because

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Speaker 1: I were millennium. So yeah, they worked, they worked, they work,

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Speaker 1: they retire you to the pension thing. As long as

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Speaker 1: they own their house, they're good. So me, that wasn't enough.

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Speaker 1: So um, when I when I closed on it, the

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Speaker 1: roative is like, kids, well what are you gonna do

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Speaker 1: with all that money? And I looked at him. I'm

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Speaker 1: a boloses I remember saying it with a little shrug

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Speaker 1: of the shoulder, like hello, what else am I gonna do?

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Speaker 1: Because I knew that one of house got me that

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Speaker 1: much money I needed to buy more houses and no,

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Speaker 1: I was just changing diver. You figured it out, real fads.

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Speaker 1: You know you might have got short change on that

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Speaker 1: first off, but you knew that I'm gonna take this

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Speaker 1: money and I'm gonna educate myself and we're gonna buy

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Speaker 1: some more houses. So tell us about that experience. So

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Speaker 1: when I sat down, um, because the rotors took the

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Speaker 1: luxury of connecting me with his financial advisor friend who

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Speaker 1: sat me down and that I should do the raw

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Speaker 1: fire ray And I'm like, well, what's that? You know

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Speaker 1: all these the new terms I'm opening listening. But then

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Speaker 1: when he said I had to send my money there

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Speaker 1: until I was sitting and if I touched that, I

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Speaker 1: got in trouble. That didn't sit right with me. So

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Speaker 1: I should you know what, I'm gonna go over here

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Speaker 1: and I'm gonna do something else up. I'll connect you

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Speaker 1: with my friend who'sn't invested. Was like, okay, great, he

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Speaker 1: just made all these little connections. So again, just being

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Speaker 1: open to me and new people, and know when when

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Speaker 1: opportunities are coming, because you never know when your next

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Speaker 1: opportunity it's gonna come. I'm just I'm gonna just let

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Speaker 1: you know this. Ms McIvor. You're blessed because you know

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Speaker 1: everybody who helped you was sincere and their efforts to

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Speaker 1: help you. Because you were very at the time. You

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Speaker 1: you didn't have information and so but you did know

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Speaker 1: one thing. I didn't get enough money for my house.

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Speaker 1: And I'm invest in houses, and am I gonna tie

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Speaker 1: my money for fifty years? You knew that for a fact.

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Speaker 1: Now because I'm not going back to the shop right either,

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Speaker 1: y'all I don't and you gotta check that bit. I said, yea,

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Speaker 1: all right, I ain't doing that edit, you know, So

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Speaker 1: I had to make it work. And that's the thing.

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Speaker 1: I have always been this type of determined person, like

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Speaker 1: you're out how that's me? Very innovative, um, very eager

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Speaker 1: to learn all of those things, not afraid to try

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Speaker 1: new things my mindset. So I was a millionaire way

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Speaker 1: before I got money. And I tell people that all

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Speaker 1: the time. I have never been a type of person

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Speaker 1: to settle for anything. Like ever, you can't just tell me,

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Speaker 1: hay's raining a pisting on my head that has happened

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Speaker 1: on the stretch to service. How can I was out there?

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Speaker 1: That was always very inquisitive, even as a child. That

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Speaker 1: was always me, let me, let me you have a

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Speaker 1: line here, come about investing in the urban community. The

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Speaker 1: six hundred dollar property in the hood. What is that? Okay?

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Speaker 1: So that said, I was about to say, now, my

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Speaker 1: great grandma is the one who raised me, and she

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Speaker 1: owned property too. She had two houses, one of them

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Speaker 1: in which my grandfather left her after he passed away

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Speaker 1: because I was just like and then one that she

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Speaker 1: owned right up the street. So I guess she decided,

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Speaker 1: my husband up the street, I'm gonna move up there.

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Speaker 1: But she still had her home which was in the

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Speaker 1: next hundred. So every so often we would get a

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Speaker 1: ladder on her door about a sheriff cell like it

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Speaker 1: was a sheriff's movies. It would pop up to sheriff moments.

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Speaker 1: So that's where I wanted to go because I was

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Speaker 1: scarious these people saying they're gonna take a house and

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Speaker 1: sell it. That must mean they're tell I was just right.

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Speaker 1: So I mean they try to take my grandma's. Let

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Speaker 1: me see what else they got over there. When I

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Speaker 1: went to the auction my very first time, I bought

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Speaker 1: a property for seventeen hundred dollars one seven. And it

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Speaker 1: wasn't until I got money that I realized you actually

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Speaker 1: didn't need that much to invest. I wanted the auction,

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Speaker 1: and I purchased it for sev d dollars. And what

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Speaker 1: happens is when you go to certain auctions, and you did,

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Speaker 1: you don't actually have to pay the full balance of

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Speaker 1: the property. You only have to give them six hundred

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Speaker 1: dollars right now. After you give them that six hundred dollars,

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Speaker 1: you have thirty days to give them the rest of

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Speaker 1: the money and which you owe them, or you can

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Speaker 1: come out and sell that property before the restors do.

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Speaker 1: And this was a whole experience for me now what

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Speaker 1: happens that the seven hundred dollar properly? I gave them

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Speaker 1: six hundred dollars. Um, I end up owing them my

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Speaker 1: eleven hundred. You know, I have the money at this time,

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Speaker 1: so that wasn't an issue. But it was the education

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Speaker 1: that came with it that ultimately changed my life and

360
00:18:00,480 --> 00:18:04,159
Speaker 1: helped me change other people's lives when I realized this

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Speaker 1: whole process and proceged how many people actually have six

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Speaker 1: hundred dollars? How many people know this place exists? Because

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Speaker 1: when I got there, I didn't see anybody that looked

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Speaker 1: like Nate. Not my age for sure. Um. It was

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Speaker 1: a few women, but you know it was different. It

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Speaker 1: was older than me, you know, and I was like,

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Speaker 1: how many people can actually benefit from this? I know

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Speaker 1: people who have six hundred dollars all the time, right, So, um,

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Speaker 1: that's when it was going after that, Like I mean,

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Speaker 1: I think there was a two thousand seventeen, two thousand

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Speaker 1: sixteens and something like that. I've been at that place

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Speaker 1: every month since unless I'm dizzy, but I've been there

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Speaker 1: every month. So when you go there and just tell

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Speaker 1: us how that works. You go in and then they

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Speaker 1: the list of properties or they show pictures of the properties,

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Speaker 1: or how does that work well? When it goes literally

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00:18:52,240 --> 00:18:55,679
Speaker 1: auction is blind, they say numbers. Um, I have created

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Speaker 1: a strategy in which I know which houses are going

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Speaker 1: to be for style prior to like I feel tell

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Speaker 1: you right now, so all the way out until January,

381
00:19:03,800 --> 00:19:06,359
Speaker 1: because I made it my business to master the craft

382
00:19:06,440 --> 00:19:08,760
Speaker 1: of it. But if you just show up, they'll just

383
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Speaker 1: say the property addressed, and they'll give you the numbers

384
00:19:11,800 --> 00:19:13,800
Speaker 1: and you bid on it like a car auction. It's

385
00:19:13,840 --> 00:19:16,439
Speaker 1: just not as fast paced. Um. And then you just

386
00:19:16,480 --> 00:19:18,840
Speaker 1: purchased property. And that's the only place that you can

387
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Speaker 1: get property that low below market value. But I even

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Speaker 1: take it a step further. If I know that you're

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Speaker 1: losing your house, I'll buy you from you before these

390
00:19:27,359 --> 00:19:29,560
Speaker 1: so I can help you, you know, not lose everything.

391
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Speaker 1: Because what happens is a lot of these people are

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Speaker 1: losing their properties and they walk away and the hand

393
00:19:33,880 --> 00:19:36,320
Speaker 1: it and they don't have some just because of lack

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00:19:36,359 --> 00:19:38,119
Speaker 1: of knowledge. They don't know. They feel like, up, I

395
00:19:38,160 --> 00:19:40,800
Speaker 1: gotta notice I'm losing the house. There's nothing I can do. No,

396
00:19:40,960 --> 00:19:43,040
Speaker 1: it's actually still your house. Up until they bang the

397
00:19:43,080 --> 00:19:45,760
Speaker 1: gabble it's not about what you know, it's about what

398
00:19:45,840 --> 00:19:48,960
Speaker 1: you don't know. Ignorance is not blood. It is very harmful,

399
00:19:50,160 --> 00:19:56,760
Speaker 1: very very harmful. So with your company, Rosebud Investments, So

400
00:19:56,760 --> 00:19:59,840
Speaker 1: so do you do you have clients? How does that work?

401
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Speaker 1: Because we have two minutes les in this interview, I

402
00:20:01,600 --> 00:20:05,600
Speaker 1: want to make sure we get that out about Rosebud Investments. Yeah, listen,

403
00:20:05,760 --> 00:20:10,080
Speaker 1: I have a lot of clients all over New Orleans, Miami, Atlanta.

404
00:20:10,480 --> 00:20:13,360
Speaker 1: What happens is I hold your hand through the new

405
00:20:13,400 --> 00:20:17,520
Speaker 1: investor process and it personalized. So I'll hope you create

406
00:20:17,560 --> 00:20:20,680
Speaker 1: a step by step blueprint for yourself no matter where

407
00:20:20,760 --> 00:20:23,280
Speaker 1: you are. If you have credit, no cash, I'll talk

408
00:20:23,280 --> 00:20:26,280
Speaker 1: to you about leveraging and credit, purchasing properties with credit cards.

409
00:20:26,520 --> 00:20:28,399
Speaker 1: If you have cash, no credit, I'll talk to you

410
00:20:28,400 --> 00:20:31,200
Speaker 1: about building your credit. I even give my clients fourteen

411
00:20:31,240 --> 00:20:34,040
Speaker 1: thousand dollars work for unsecure credit to boost their score.

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Speaker 1: If you're somebody doesn't that doesn't have eyes or I'll

413
00:20:37,280 --> 00:20:39,679
Speaker 1: talk to you about purchasing that six hundred dollar property

414
00:20:39,720 --> 00:20:42,000
Speaker 1: you know, helping you shallotte for a few thousands, so

415
00:20:42,080 --> 00:20:44,720
Speaker 1: now you have the capital to invest in your credit,

416
00:20:44,840 --> 00:20:46,919
Speaker 1: you know, to be able to build. I hope you

417
00:20:47,000 --> 00:20:51,479
Speaker 1: create that foundation. I have helped hundreds and hundreds and

418
00:20:51,640 --> 00:20:55,440
Speaker 1: hundreds of people become homeowners without the whole mortgage thing,

419
00:20:55,760 --> 00:20:59,000
Speaker 1: the tax returns, the eight hundred credit scores. Like I

420
00:20:59,080 --> 00:21:02,399
Speaker 1: help people from ground level because a lot of people

421
00:21:02,520 --> 00:21:04,960
Speaker 1: they have a miss construed. They think you need credit

422
00:21:05,000 --> 00:21:07,639
Speaker 1: in a million dollars and you don't need it. You

423
00:21:07,760 --> 00:21:09,600
Speaker 1: just need to be educated. So that's what I do.

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00:21:10,000 --> 00:21:12,280
Speaker 1: I educate you. I hold your hand through the process.

425
00:21:12,359 --> 00:21:15,520
Speaker 1: I walked through the door. You get a house, You're happy.

426
00:21:15,680 --> 00:21:19,600
Speaker 1: I'm happy, and we keep it going. We keep it going.

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Speaker 1: And all this started because your grandmother had a vision,

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00:21:24,880 --> 00:21:26,800
Speaker 1: had a vision that you didn't understand. You was just

429
00:21:26,840 --> 00:21:30,200
Speaker 1: a cashier, had one child. The child on the way

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00:21:30,720 --> 00:21:33,800
Speaker 1: was given a house due to the sadness of our

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00:21:33,840 --> 00:21:37,159
Speaker 1: passing and all heck Bros Broke loose with the family.

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Speaker 1: We got fifty three seconds left. How is the family

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00:21:40,160 --> 00:21:42,880
Speaker 1: treating you now? Oh man? I mean it's differently being

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00:21:42,880 --> 00:21:47,159
Speaker 1: a millionaire. I'tually had to move to our life. They respected,

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00:21:47,359 --> 00:21:50,919
Speaker 1: they respected nothing else. I mean they respected. I created

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00:21:50,960 --> 00:21:54,240
Speaker 1: a legacy. So Rosebuds Investments is actually named after my

437
00:21:54,320 --> 00:21:57,760
Speaker 1: grandmother because her name is Roseum. I created an empire.

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Speaker 1: I was able to reach back and retire and my

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00:22:00,280 --> 00:22:03,600
Speaker 1: great grandma Um. I changed lives. They see me doing

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00:22:03,680 --> 00:22:07,560
Speaker 1: it and they're no choice. I mean, you know, they

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00:22:07,600 --> 00:22:09,480
Speaker 1: see me. They like me. They're like, I heard your interview,

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00:22:09,600 --> 00:22:11,200
Speaker 1: I saw you do on the snap or my friend

443
00:22:11,240 --> 00:22:12,840
Speaker 1: told me you have to get out how she's up.

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Speaker 1: They kind of got a sport with it. Okay, cool, Well,

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Speaker 1: I gotta wrap this up. I want to tell you.

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Speaker 1: I want to I want to promote your brand. I

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00:22:19,400 --> 00:22:22,080
Speaker 1: want to promote who you are. She's uh From from

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00:22:22,119 --> 00:22:24,320
Speaker 1: a cashier of a six fifties six dollars and fifty

449
00:22:24,320 --> 00:22:26,960
Speaker 1: six an hour to own at one point seven million

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Speaker 1: dollars in property, A story to be told,