1 00:00:00,200 --> 00:00:01,840 Speaker 1: Oh yeah, me hint it. I just want to give 2 00:00:01,880 --> 00:00:04,040 Speaker 1: you a heads up. The program you are about to 3 00:00:04,120 --> 00:00:07,880 Speaker 1: hear may have some explicit language, it may not. It 4 00:00:07,920 --> 00:00:10,680 Speaker 1: also depends on where the vibes and the spirit leads us. 5 00:00:11,000 --> 00:00:19,560 Speaker 1: Hope you enjoy. Welcome to more Anita, a deep dive 6 00:00:19,640 --> 00:00:22,800 Speaker 1: into the Latin X experience. With more Anita, we want 7 00:00:22,840 --> 00:00:25,560 Speaker 1: to create a community and a shared space with you 8 00:00:25,600 --> 00:00:29,560 Speaker 1: while sharing knowledge and inspiration. This show is about celebrating 9 00:00:29,640 --> 00:00:32,800 Speaker 1: our culture with guests who exemplify the best of us. 10 00:00:33,200 --> 00:00:42,720 Speaker 1: I'm Darrylene Castillo Vito me hint that there is nothing 11 00:00:43,040 --> 00:00:47,280 Speaker 1: like seeing your childhood friend Win going through the globe 12 00:00:47,280 --> 00:00:50,840 Speaker 1: stage together. Is honestly such a beautiful thing to watch, 13 00:00:51,240 --> 00:00:54,160 Speaker 1: and it could be a little frightening. But looking at 14 00:00:54,200 --> 00:00:57,080 Speaker 1: these throwback photos of me and my good friend and 15 00:00:57,200 --> 00:01:02,560 Speaker 1: guest today, Nicholas Ryan roofs that we have come a 16 00:01:02,800 --> 00:01:07,640 Speaker 1: long way from us playing deer pong to now selling 17 00:01:07,720 --> 00:01:11,880 Speaker 1: million dollar homes. Nicholas Ryan is in New York and 18 00:01:12,080 --> 00:01:15,840 Speaker 1: New Jersey real estate agent with six years of experience. 19 00:01:16,160 --> 00:01:21,759 Speaker 1: His specialties include buyer's agent, listing agent, luxury specialists, and staging. 20 00:01:22,000 --> 00:01:26,040 Speaker 1: Nicholas is here at Monanita to talk about the fad, 21 00:01:26,240 --> 00:01:29,240 Speaker 1: the topic that is so hot right now that everyone 22 00:01:29,400 --> 00:01:32,800 Speaker 1: is talking about real estate. I wanted to bring Nick 23 00:01:32,880 --> 00:01:35,959 Speaker 1: on here because whenever I talk about real estate within 24 00:01:35,959 --> 00:01:40,200 Speaker 1: our generation or any other generation, there's a few stigmas. 25 00:01:40,640 --> 00:01:43,520 Speaker 1: It's too expensive, I'll never own a home. How the 26 00:01:43,600 --> 00:01:45,600 Speaker 1: heck do I even buy a house. I don't know 27 00:01:45,640 --> 00:01:48,040 Speaker 1: who to call. Oh, it's too stressful, I don't make 28 00:01:48,160 --> 00:01:50,720 Speaker 1: enough money. The list goes on and on and on 29 00:01:50,800 --> 00:01:54,120 Speaker 1: and on. Nick comes through with the knowledge on how 30 00:01:54,320 --> 00:01:57,080 Speaker 1: you can buy a home, how it is possible, and 31 00:01:57,120 --> 00:02:00,480 Speaker 1: how knowledge is power. He also gives us a view 32 00:02:00,600 --> 00:02:03,240 Speaker 1: of how he got into real estate. His mother found 33 00:02:03,240 --> 00:02:06,240 Speaker 1: herself having to switch careers and it led her to 34 00:02:06,360 --> 00:02:08,920 Speaker 1: real estate. Not only did she get into it, she 35 00:02:09,040 --> 00:02:12,680 Speaker 1: has been killing it for years, allowing her son to 36 00:02:12,760 --> 00:02:15,560 Speaker 1: become a part of the legacy. Their involvement in real 37 00:02:15,680 --> 00:02:19,400 Speaker 1: estate goes beyond just selling. Nicholas shares how he and 38 00:02:19,480 --> 00:02:22,200 Speaker 1: his mother are planning to help advance of that being 39 00:02:22,240 --> 00:02:25,200 Speaker 1: there folks in home buying and how they are really 40 00:02:25,240 --> 00:02:29,440 Speaker 1: out here doing it. But now, if you've been listening 41 00:02:29,480 --> 00:02:33,320 Speaker 1: to previous episodes here on Mouanita, then you know, real 42 00:02:33,480 --> 00:02:36,600 Speaker 1: estate plays a big role in my life. My fiance 43 00:02:36,840 --> 00:02:40,280 Speaker 1: is an investor in real estate, owning multiple properties, and 44 00:02:40,280 --> 00:02:42,960 Speaker 1: it has given me a front seat and seeing how 45 00:02:43,000 --> 00:02:47,760 Speaker 1: owning multiple properties is more than possible. Real estate has 46 00:02:47,800 --> 00:02:51,880 Speaker 1: been hot for years and years and years. Even millionaires 47 00:02:51,960 --> 00:02:56,320 Speaker 1: and multibillionaires are involved in investing in real estate. It's 48 00:02:56,360 --> 00:03:00,359 Speaker 1: the secret that now everyone is on and it's hotter 49 00:03:00,639 --> 00:03:03,720 Speaker 1: than ever. So now we are sharing it with you. 50 00:03:04,160 --> 00:03:06,840 Speaker 1: Let's talk about how to get that money. Thane Veto 51 00:03:12,200 --> 00:03:15,600 Speaker 1: went on me, Hanton, Nicholas. Wait, is it Nicholas Ryan 52 00:03:15,800 --> 00:03:20,480 Speaker 1: or Nicholas Morales? Because I know you as Nick Morales? 53 00:03:20,480 --> 00:03:25,400 Speaker 1: But how can you prefer to be introduced? I've adopted 54 00:03:25,440 --> 00:03:29,399 Speaker 1: the name Nicholas Ryan, um, but officially it's Nicholas Morales. 55 00:03:29,680 --> 00:03:34,760 Speaker 1: You can call me just Nick. Are we on that basis? Well? 56 00:03:34,760 --> 00:03:38,800 Speaker 1: As I was, I was informing our listeners in the introduction, 57 00:03:39,000 --> 00:03:41,040 Speaker 1: how a little bit of how we know each other, 58 00:03:41,120 --> 00:03:44,160 Speaker 1: but just to give our listeners a little more insight, 59 00:03:44,240 --> 00:03:47,600 Speaker 1: because I think that's always fun when people hear stories 60 00:03:47,640 --> 00:03:51,000 Speaker 1: like that. Um, I was just joking, how Nick and 61 00:03:51,080 --> 00:03:56,800 Speaker 1: I go so far away, back to like literally middle school, 62 00:03:57,000 --> 00:04:02,040 Speaker 1: high school, days of uh just being teenagers and running 63 00:04:02,120 --> 00:04:07,160 Speaker 1: the streets of Rockland County shout out to the glow. 64 00:04:07,200 --> 00:04:09,760 Speaker 1: Up is really all the globe is UM. But also 65 00:04:09,920 --> 00:04:13,040 Speaker 1: like so great to see friends UM for so many 66 00:04:13,120 --> 00:04:17,000 Speaker 1: years doing amazing things. And as I mentioned, Nick is 67 00:04:17,240 --> 00:04:19,920 Speaker 1: an incredible real estate UM. And I'm gonna have you 68 00:04:20,000 --> 00:04:22,039 Speaker 1: kind of talk about what you do, Nick, and and 69 00:04:22,040 --> 00:04:25,680 Speaker 1: and give us the insight of who you are. Okay, UM, Well, 70 00:04:25,800 --> 00:04:29,120 Speaker 1: as you said, my name is Nicholas Ryan UM. I'm 71 00:04:29,160 --> 00:04:32,320 Speaker 1: currently a realtor associate in New York and New Jersey 72 00:04:32,640 --> 00:04:36,120 Speaker 1: UM with Christy's International real Estate UM. And I'm also 73 00:04:36,160 --> 00:04:38,119 Speaker 1: a member of the Morales Group, which is a team 74 00:04:38,120 --> 00:04:42,400 Speaker 1: within my brokerage UM. The team consists of three agents 75 00:04:42,440 --> 00:04:47,000 Speaker 1: including myself. We have our own transaction coordinator, marketing director, 76 00:04:47,520 --> 00:04:53,240 Speaker 1: and we service Hudson Valley, Westchester, Bergen County, Orange County 77 00:04:53,720 --> 00:04:56,800 Speaker 1: pretty much anywhere we could get to within reason. UM. 78 00:04:56,920 --> 00:04:59,880 Speaker 1: We're happy to help and and go to where Hudson, 79 00:05:00,000 --> 00:05:02,480 Speaker 1: Ali and Westchester's Topic Everything team. As of two thousand 80 00:05:02,520 --> 00:05:05,280 Speaker 1: seventeen to present day, we're part of the Christie's Master 81 00:05:05,320 --> 00:05:09,200 Speaker 1: Circle UH and we're certified Luxury Specialists, which pretty much means, 82 00:05:09,480 --> 00:05:11,280 Speaker 1: you know, we go to this huge conference where they're 83 00:05:11,279 --> 00:05:15,039 Speaker 1: talking about all the new innovations in tech and everything 84 00:05:15,120 --> 00:05:18,240 Speaker 1: from not even just real estate, but it's you know, 85 00:05:18,360 --> 00:05:22,560 Speaker 1: the latest suits, the cars, the you know, everything we have. 86 00:05:22,680 --> 00:05:26,880 Speaker 1: Martha Stewart spoke there one, so I mean it's a 87 00:05:26,960 --> 00:05:29,520 Speaker 1: you out here doing big things. Yeah. Real estate isn't 88 00:05:29,560 --> 00:05:32,320 Speaker 1: just real estate, you know, it's it's much more than that. 89 00:05:32,480 --> 00:05:35,159 Speaker 1: So actually, like in forever, real estate has never just 90 00:05:35,200 --> 00:05:37,520 Speaker 1: been about real estate. It's been it's like its own 91 00:05:37,520 --> 00:05:40,679 Speaker 1: world in itself. I mean, look at reality TV shows 92 00:05:40,680 --> 00:05:45,120 Speaker 1: like Senset Boulevard Um, you know, or like all these 93 00:05:45,160 --> 00:05:49,560 Speaker 1: other incredible shows on Netflix. It was that easy. Those 94 00:05:49,600 --> 00:05:51,800 Speaker 1: shows are very entertaining. But you don't know how many 95 00:05:51,800 --> 00:05:54,200 Speaker 1: clients I'm like, well, why on Love and are listed 96 00:05:54,279 --> 00:05:57,440 Speaker 1: They find their house after three showings, like oh, you know, 97 00:05:57,960 --> 00:06:00,320 Speaker 1: they don't realize that it's months of you know, we're 98 00:06:00,360 --> 00:06:02,440 Speaker 1: narrowing it down to these three houses. So I mean 99 00:06:02,440 --> 00:06:05,840 Speaker 1: I love the right. Yeah, I mean you see that, 100 00:06:06,160 --> 00:06:08,680 Speaker 1: you know, the actual splat and tears and like the 101 00:06:09,200 --> 00:06:13,039 Speaker 1: back and forth emails behind the scenes. Absolutely, and we 102 00:06:13,160 --> 00:06:17,440 Speaker 1: both know that because Nick actually um sold me and 103 00:06:17,480 --> 00:06:20,359 Speaker 1: my fiance's house that we're currently living in, one of 104 00:06:20,360 --> 00:06:23,400 Speaker 1: our investment properties. UM. But I really wanted to bring 105 00:06:23,440 --> 00:06:26,240 Speaker 1: you on today, Nick, because I think it's really important 106 00:06:26,240 --> 00:06:28,960 Speaker 1: for our community, not only that, but for our generation 107 00:06:29,080 --> 00:06:32,039 Speaker 1: to be talking about real estate right now, because it 108 00:06:32,200 --> 00:06:38,320 Speaker 1: is such a hot commodity, especially with where the where 109 00:06:38,360 --> 00:06:41,000 Speaker 1: the world is now today. UM. I mean me myself 110 00:06:41,040 --> 00:06:45,680 Speaker 1: as an actor, I have seen so much um of 111 00:06:45,720 --> 00:06:48,160 Speaker 1: the power of owning real estate and what that can 112 00:06:48,240 --> 00:06:51,719 Speaker 1: mean in the financial freedom it has been able now 113 00:06:51,760 --> 00:06:55,040 Speaker 1: to give me and my fiance after learning so much 114 00:06:55,040 --> 00:06:59,800 Speaker 1: about real estate. I mean, you are you are a homeowner? 115 00:07:00,040 --> 00:07:04,279 Speaker 1: Congratulations you just got your first home. Yes, thank you. 116 00:07:04,279 --> 00:07:07,040 Speaker 1: You know you are a thirty year old homeowner. That 117 00:07:07,160 --> 00:07:13,440 Speaker 1: is freaking huge, because I mean, I think that's the 118 00:07:13,640 --> 00:07:16,720 Speaker 1: that's the goal, that's the dream. You obviously were born 119 00:07:16,800 --> 00:07:18,640 Speaker 1: in a family of real estate. I want to talk 120 00:07:18,680 --> 00:07:20,360 Speaker 1: about that, and I want to talk about legacy with 121 00:07:20,400 --> 00:07:23,800 Speaker 1: you because you work with your mother or under your mother. 122 00:07:23,840 --> 00:07:26,680 Speaker 1: How does that work? What is that connection? My mother 123 00:07:26,880 --> 00:07:29,560 Speaker 1: is the team leader. Um, She's the reason I got 124 00:07:29,560 --> 00:07:32,680 Speaker 1: into real estate. So she's the leader of the Morales group, 125 00:07:32,720 --> 00:07:34,600 Speaker 1: the team that I'm on. And then we both worked 126 00:07:34,640 --> 00:07:37,640 Speaker 1: under Christie's, but she's been I would have never even 127 00:07:38,320 --> 00:07:40,760 Speaker 1: had an interest in real estate if it wasn't for her. 128 00:07:41,800 --> 00:07:45,520 Speaker 1: Growing up, she was a VP at City Bank Corporate. Um. 129 00:07:45,720 --> 00:07:50,040 Speaker 1: I've always seen her working so hard. Um. And then 130 00:07:50,120 --> 00:07:52,600 Speaker 1: her position, they told her, if you want to keep 131 00:07:52,640 --> 00:07:55,520 Speaker 1: your job, you have to be relocate to Jackson, Florida, 132 00:07:55,800 --> 00:07:59,440 Speaker 1: or we have to let you off after twenty five 133 00:07:59,520 --> 00:08:02,960 Speaker 1: years of work. You there, Wow? Yeah um. And she 134 00:08:03,040 --> 00:08:06,040 Speaker 1: never saw it coming. So, I mean, she had me 135 00:08:06,040 --> 00:08:08,200 Speaker 1: and my sister, and her biggest thing was, I don't 136 00:08:08,200 --> 00:08:11,040 Speaker 1: want to move them to somewhere, but they don't have family. 137 00:08:11,360 --> 00:08:16,040 Speaker 1: They're starting completely new, you know. And I mean I 138 00:08:16,120 --> 00:08:19,080 Speaker 1: love New York, you know, she loves Yer. Are both 139 00:08:19,120 --> 00:08:22,200 Speaker 1: New Yorkers, So we can't see ourselves living anywhere else. 140 00:08:22,760 --> 00:08:26,239 Speaker 1: So she decided, I'm gonna start over fresh new and 141 00:08:26,320 --> 00:08:29,200 Speaker 1: she got her real estate license and I watched her 142 00:08:29,720 --> 00:08:33,320 Speaker 1: like work her butt off year after year after year, 143 00:08:33,360 --> 00:08:36,800 Speaker 1: and within three years she tripled her salary at City Bank. 144 00:08:37,080 --> 00:08:40,280 Speaker 1: And that just she taught me that it's it's better 145 00:08:40,320 --> 00:08:42,240 Speaker 1: to be an entrepreneur and be in charge of your 146 00:08:42,280 --> 00:08:45,480 Speaker 1: own salary because you your work ethic determines how much 147 00:08:45,520 --> 00:08:47,520 Speaker 1: you can make and there's no cap on that, which 148 00:08:47,600 --> 00:08:50,560 Speaker 1: is so important in business, absolutely in any business that 149 00:08:50,600 --> 00:08:53,480 Speaker 1: you get involved in. And then for you seeing your mother, 150 00:08:53,720 --> 00:08:57,960 Speaker 1: you know obviously slay and kill it, how did you 151 00:08:58,040 --> 00:08:59,959 Speaker 1: come up? Because I mean, I I know you personal 152 00:09:00,040 --> 00:09:03,520 Speaker 1: really like Nick could literally be like somebody's manager. He 153 00:09:03,520 --> 00:09:05,800 Speaker 1: could be. And I've always been like Nick is like 154 00:09:05,880 --> 00:09:09,240 Speaker 1: such a great You always had a business knack about you. 155 00:09:09,240 --> 00:09:12,719 Speaker 1: You had this entrepreneurship. I feel like you and I 156 00:09:12,800 --> 00:09:15,160 Speaker 1: we we both like I vibed with you on that 157 00:09:15,400 --> 00:09:18,520 Speaker 1: growing up together. We both were like hustlers. We both 158 00:09:18,559 --> 00:09:24,959 Speaker 1: had a mentality that was like you can tell that somebody. Yeah, absolutely, 159 00:09:25,360 --> 00:09:28,520 Speaker 1: And for you, where did it switch for real estate? 160 00:09:28,559 --> 00:09:31,160 Speaker 1: I know you saw your mom working hard. When were 161 00:09:31,200 --> 00:09:33,600 Speaker 1: you like, you know what, I'm I'm gonna work under 162 00:09:33,600 --> 00:09:36,000 Speaker 1: my mom's wing and like I'm gonna freaking get into 163 00:09:36,040 --> 00:09:38,560 Speaker 1: this and do this. Like was it easy? Did you 164 00:09:38,600 --> 00:09:41,520 Speaker 1: try other things? Not at all? I mean having her 165 00:09:41,920 --> 00:09:46,680 Speaker 1: as a mentor was a blessing, um because having mentorship 166 00:09:46,760 --> 00:09:49,040 Speaker 1: in any sense with real estate is important, whether it's 167 00:09:49,080 --> 00:09:51,440 Speaker 1: your mother or you're broker. You just know somebody that's 168 00:09:51,440 --> 00:09:53,760 Speaker 1: been in the business. But there's so many ins and 169 00:09:53,840 --> 00:09:57,000 Speaker 1: outs of the industry that you don't learn in a class, right. 170 00:09:57,120 --> 00:10:00,560 Speaker 1: I had different goals for myself, like what I couldn't 171 00:10:00,559 --> 00:10:04,720 Speaker 1: make marketing It wasn't It wasn't what I saw myself, 172 00:10:05,400 --> 00:10:08,560 Speaker 1: you know, making after all the student loans I had 173 00:10:08,640 --> 00:10:10,760 Speaker 1: and everything, you know, after college, I was like, I 174 00:10:10,800 --> 00:10:14,720 Speaker 1: need more than this. Um. So, you know, I started 175 00:10:14,760 --> 00:10:16,679 Speaker 1: talking to my mom about real estate. She's like, why 176 00:10:16,679 --> 00:10:18,960 Speaker 1: don't you get your license. It's something you could do 177 00:10:18,960 --> 00:10:22,040 Speaker 1: on the side at least, um you always know somebody 178 00:10:22,040 --> 00:10:24,840 Speaker 1: that's looking for a house or that needs housing. And 179 00:10:24,880 --> 00:10:27,760 Speaker 1: then so I got my license. I started working with her, 180 00:10:28,040 --> 00:10:30,640 Speaker 1: and I started to realize, like marketing and real estate 181 00:10:30,679 --> 00:10:34,280 Speaker 1: go hand in hand. Everything about being a successful real 182 00:10:34,400 --> 00:10:38,559 Speaker 1: estate agent is marketing yourself because there's so many of us. 183 00:10:38,679 --> 00:10:40,880 Speaker 1: You know, the the fail rate in real estate is 184 00:10:41,679 --> 00:10:44,520 Speaker 1: and there's still a realtor. Everybody knows a realtor, at 185 00:10:44,559 --> 00:10:49,360 Speaker 1: least one, you know. Um, so I kind of you know. 186 00:10:49,440 --> 00:10:52,720 Speaker 1: What drew me in was like being able to develop 187 00:10:52,760 --> 00:10:55,679 Speaker 1: my own marketing strategies that set me apart from someone else. 188 00:10:55,679 --> 00:10:57,680 Speaker 1: So I was implementing my passion on what I love 189 00:10:58,280 --> 00:11:02,839 Speaker 1: with something that I commonetize and making good money off of. 190 00:11:14,920 --> 00:11:17,800 Speaker 1: So then you got in the game. You're you're learning 191 00:11:17,840 --> 00:11:21,280 Speaker 1: so much. You obviously have like great a mentors around 192 00:11:21,280 --> 00:11:24,160 Speaker 1: you working with your mom and learning from her, and 193 00:11:24,200 --> 00:11:27,120 Speaker 1: you guys have a good relationship where that's a peaceful, 194 00:11:27,360 --> 00:11:36,839 Speaker 1: you know environment, And I mean anyone working with their mother, 195 00:11:36,960 --> 00:11:39,840 Speaker 1: you know, it gets I know, yeah, but I love her. 196 00:11:39,920 --> 00:11:44,360 Speaker 1: She's your biggest I have to say, working with you 197 00:11:45,040 --> 00:11:47,319 Speaker 1: on the house that we bought, and just like I'm 198 00:11:47,360 --> 00:11:49,640 Speaker 1: gonna give your mom some prop because your mom's a badass. 199 00:11:49,760 --> 00:11:52,000 Speaker 1: Like the minute that mom was looped into the email, 200 00:11:52,120 --> 00:11:58,080 Speaker 1: like I mean, nothing was getting over her. No. And also, 201 00:11:58,200 --> 00:12:01,240 Speaker 1: I mean, you know, we we had heard from other 202 00:12:01,280 --> 00:12:03,000 Speaker 1: people that when we were working with you and your mom, 203 00:12:03,160 --> 00:12:05,960 Speaker 1: people knew your mom and like knew her name. And 204 00:12:05,960 --> 00:12:09,200 Speaker 1: we're like very aware, like you don't try to put 205 00:12:09,200 --> 00:12:11,720 Speaker 1: one over this lady, like you know. So having you 206 00:12:11,720 --> 00:12:13,720 Speaker 1: guys in our corner was so helpful, but it also 207 00:12:13,840 --> 00:12:16,600 Speaker 1: is a testament to like how you guys work and 208 00:12:16,679 --> 00:12:19,880 Speaker 1: how you guys operate, and um, you guys know what 209 00:12:19,920 --> 00:12:22,400 Speaker 1: you're freaking doing, which is gonna lead me to our 210 00:12:22,440 --> 00:12:24,800 Speaker 1: next question. Because I think that so many of our 211 00:12:24,840 --> 00:12:28,760 Speaker 1: listeners and and I just know this in talking with people. 212 00:12:29,280 --> 00:12:34,920 Speaker 1: People hear me talk about my fiance's real estate investing 213 00:12:34,960 --> 00:12:39,520 Speaker 1: experience and they're like wow, like he must be a millionaire, 214 00:12:39,679 --> 00:12:41,760 Speaker 1: Like wow, you really got lucky with that one. You 215 00:12:41,880 --> 00:12:45,480 Speaker 1: caught the roy fish. And it's like, actually, it's a 216 00:12:45,559 --> 00:12:49,640 Speaker 1: lot easier than you think it is. And I think 217 00:12:49,720 --> 00:12:56,520 Speaker 1: most of it is knowledge. How what if somebody came 218 00:12:56,559 --> 00:12:58,679 Speaker 1: to you and was like, I want to be a homeowner. 219 00:12:58,880 --> 00:13:01,000 Speaker 1: I see, it's in pop supposed to be a homeowner. 220 00:13:01,320 --> 00:13:04,280 Speaker 1: I don't I don't understand the world of it. I 221 00:13:04,320 --> 00:13:07,360 Speaker 1: don't get it. And especially in our climate today financially, 222 00:13:08,320 --> 00:13:11,160 Speaker 1: how is it possible for someone to become a homeowner. 223 00:13:12,080 --> 00:13:16,520 Speaker 1: So the first, um, false idea that people have when 224 00:13:16,559 --> 00:13:19,959 Speaker 1: it comes to home ownership is that you need tons 225 00:13:19,960 --> 00:13:23,000 Speaker 1: of money to own a home. Um. But what people 226 00:13:23,040 --> 00:13:26,040 Speaker 1: don't realize is a lot of times your mortgage payment 227 00:13:26,080 --> 00:13:28,240 Speaker 1: will be less than what you would pay in rent 228 00:13:28,240 --> 00:13:31,800 Speaker 1: for the same home or for a smaller home. Um, 229 00:13:31,920 --> 00:13:36,760 Speaker 1: you're just paying someone else's mortgage. That's all you're doing. Um. So, 230 00:13:36,920 --> 00:13:40,400 Speaker 1: I mean what I would say to somebody that's you know, 231 00:13:40,640 --> 00:13:42,840 Speaker 1: wants to become a homeowner, is still trying to figure 232 00:13:42,840 --> 00:13:45,920 Speaker 1: out the ends, and ounce is get your financials in order. 233 00:13:46,280 --> 00:13:49,000 Speaker 1: That's important. Good credit gets you so far in life. 234 00:13:49,240 --> 00:13:52,760 Speaker 1: It's the difference between a crazy mortgage payment, not even crazy, 235 00:13:52,840 --> 00:13:56,720 Speaker 1: but a healthy mortgage payment versus minimal you know. So 236 00:13:56,960 --> 00:13:59,360 Speaker 1: as long as you have your financials in order, when 237 00:13:59,360 --> 00:14:02,440 Speaker 1: you're taking care of that, you could be owning a 238 00:14:02,480 --> 00:14:07,440 Speaker 1: home tomorrow. Yeah. And as far as the interest rates, 239 00:14:08,080 --> 00:14:10,400 Speaker 1: they are very high. What are the interest rates now? 240 00:14:10,400 --> 00:14:14,640 Speaker 1: Are they six to seven or even higher? Pushing over 241 00:14:14,880 --> 00:14:18,080 Speaker 1: seven now? Yeah? So and then we also just came 242 00:14:18,160 --> 00:14:21,120 Speaker 1: from a financial situation where we were seeing you know, 243 00:14:21,200 --> 00:14:24,200 Speaker 1: obviously three percent interest rates when we got our house. 244 00:14:24,240 --> 00:14:27,720 Speaker 1: So we we got in who I mean when my 245 00:14:27,800 --> 00:14:31,880 Speaker 1: fiance heard that the interest rate, um, actually for one 246 00:14:31,880 --> 00:14:34,200 Speaker 1: oh one? What is an interest rate? For our friends 247 00:14:34,200 --> 00:14:36,160 Speaker 1: who might not know what an interest rate is? So, 248 00:14:36,200 --> 00:14:38,640 Speaker 1: it's the price you're paying. Um, it's like interests on 249 00:14:38,680 --> 00:14:41,760 Speaker 1: a card paying Um, it's the price you're paying added 250 00:14:41,760 --> 00:14:43,880 Speaker 1: to your mortgage. So the prices are paying back to 251 00:14:43,920 --> 00:14:46,920 Speaker 1: the bank. Right. So now, seeing like where everything is 252 00:14:47,000 --> 00:14:50,000 Speaker 1: right now, It's like I was just actually asking my fiance. 253 00:14:50,120 --> 00:14:53,640 Speaker 1: I was like, hey, Andre's like, do you should we 254 00:14:53,680 --> 00:14:57,480 Speaker 1: not buy a house right now? But his argument was like, actually, no, 255 00:14:57,600 --> 00:14:59,400 Speaker 1: it's a great time to buy a house because right 256 00:14:59,400 --> 00:15:03,200 Speaker 1: now less people can buy homes. And back then when 257 00:15:03,240 --> 00:15:05,640 Speaker 1: it was a three percent rate, you had a create 258 00:15:05,720 --> 00:15:08,280 Speaker 1: obviously that crazy influx right where real estate was going 259 00:15:08,600 --> 00:15:12,080 Speaker 1: insane and there is nothing available where now there's kind 260 00:15:12,080 --> 00:15:16,960 Speaker 1: of like this moderate level of availability. And you know, 261 00:15:17,160 --> 00:15:19,520 Speaker 1: he's like, I mean, interest rates always go up and down. 262 00:15:19,560 --> 00:15:21,880 Speaker 1: It always goes up and down. But he really was like, 263 00:15:22,840 --> 00:15:25,800 Speaker 1: it shouldn't determine when you buy a home. How do 264 00:15:25,840 --> 00:15:29,200 Speaker 1: you feel about that? Interest rates are tied to inflation. 265 00:15:29,600 --> 00:15:32,760 Speaker 1: So just like inflation goes up, just like we're overpaying 266 00:15:32,800 --> 00:15:35,200 Speaker 1: for gas at certain points, it's it's going to be 267 00:15:35,200 --> 00:15:40,600 Speaker 1: the same with interest rates, and that's always gonna fluctuate. Um. 268 00:15:40,720 --> 00:15:43,360 Speaker 1: But I mean, like I said, when it goes up, 269 00:15:43,360 --> 00:15:46,280 Speaker 1: it comes right back down. Since the eighties, I needs oppression. 270 00:15:46,520 --> 00:15:50,120 Speaker 1: You see these interest rates increasing, um, and then they 271 00:15:50,160 --> 00:15:52,600 Speaker 1: go back down and all those people that were waiting 272 00:15:52,640 --> 00:15:56,440 Speaker 1: to buy that home are now rushing to whatever inventories 273 00:15:56,480 --> 00:15:59,160 Speaker 1: out there, and that's when people are over paying for homes. 274 00:15:59,240 --> 00:16:02,760 Speaker 1: And instead of just being able to refinance. You know, Um, 275 00:16:03,560 --> 00:16:08,200 Speaker 1: that's huge, is there's not the home market is it's 276 00:16:08,240 --> 00:16:11,440 Speaker 1: stabilizing again because a lot of people are holding off 277 00:16:11,560 --> 00:16:14,440 Speaker 1: due to those interest rates. But the people that are 278 00:16:14,480 --> 00:16:18,200 Speaker 1: buying right now myself, UM, you know, i may have 279 00:16:18,240 --> 00:16:20,040 Speaker 1: a little bit of a higher interest rate, but I'm 280 00:16:20,040 --> 00:16:24,360 Speaker 1: not over paying fifty dollars for my home exactly. There's 281 00:16:24,360 --> 00:16:28,520 Speaker 1: a balance there, right. And also Fannie May um for 282 00:16:28,560 --> 00:16:32,760 Speaker 1: anyone that doesn't know, it's Federal National Mortgage Association. Um. 283 00:16:32,880 --> 00:16:35,680 Speaker 1: And they actually got the top honors for the most 284 00:16:35,720 --> 00:16:40,760 Speaker 1: accurate economic predictions. Um. They're predicting that by two three, 285 00:16:40,800 --> 00:16:42,520 Speaker 1: the interest rates are going to be going back down 286 00:16:42,600 --> 00:16:46,080 Speaker 1: to four. So you hear all these people talking about, 287 00:16:46,120 --> 00:16:48,840 Speaker 1: oh my god, we're headed towards a huge housing depression. 288 00:16:48,960 --> 00:16:50,800 Speaker 1: What am I? You know, I'm never going to own 289 00:16:50,800 --> 00:16:54,240 Speaker 1: a home. It's just a lot of she said, she said, 290 00:16:54,280 --> 00:16:56,480 Speaker 1: going back and forth. But when you look at the facts, 291 00:16:56,520 --> 00:16:58,160 Speaker 1: it's it's never a bad time to buy a home, 292 00:16:58,880 --> 00:17:01,760 Speaker 1: all right, you guys, you heard it here from Nicholas Ryan. 293 00:17:01,840 --> 00:17:03,360 Speaker 1: He has said it is not a bad time to 294 00:17:03,360 --> 00:17:05,840 Speaker 1: buy a home. Get your get your things in order, 295 00:17:05,880 --> 00:17:09,440 Speaker 1: get your wallet together, because honestly, I'm seeing it too. 296 00:17:09,560 --> 00:17:11,119 Speaker 1: I think that you know, we're living proof of that 297 00:17:11,160 --> 00:17:13,000 Speaker 1: as well, and like we're kind of like we were 298 00:17:13,040 --> 00:17:15,360 Speaker 1: a part of the three percent interest rate right when 299 00:17:15,359 --> 00:17:17,840 Speaker 1: we bought this house, but I feel like we paid 300 00:17:18,480 --> 00:17:21,480 Speaker 1: a little, We paid a good chunk over than what 301 00:17:21,560 --> 00:17:24,720 Speaker 1: I think. It was crazy. It's crazy because I pride 302 00:17:24,720 --> 00:17:27,560 Speaker 1: myself as a realtor most of my business, and this 303 00:17:27,640 --> 00:17:29,960 Speaker 1: is my mom taught me that it's our whole team. 304 00:17:30,040 --> 00:17:33,960 Speaker 1: Dynamic is always doing right by our clients every step 305 00:17:34,000 --> 00:17:36,000 Speaker 1: of the way. If a client walks into a house 306 00:17:36,400 --> 00:17:39,080 Speaker 1: that they might love and we see things like water 307 00:17:39,240 --> 00:17:41,560 Speaker 1: damage or this or that, we're going to tell them 308 00:17:41,560 --> 00:17:44,040 Speaker 1: straight up like this isn't for you, you know, like 309 00:17:44,800 --> 00:17:48,000 Speaker 1: or do you have the means to fix this? Do 310 00:17:48,040 --> 00:17:50,000 Speaker 1: you have the means to fix that? This house is 311 00:17:50,040 --> 00:17:53,480 Speaker 1: over priced. We're always going to make sure our clients 312 00:17:53,600 --> 00:17:56,080 Speaker 1: are making the right decisions, and that's why they come 313 00:17:56,080 --> 00:17:59,520 Speaker 1: back to us, That's why they refer us absolutely. Yeah. 314 00:17:59,760 --> 00:18:02,480 Speaker 1: So trust me when I say it's never a bad 315 00:18:02,520 --> 00:18:04,000 Speaker 1: time to buy a home. You just have to find 316 00:18:04,000 --> 00:18:19,359 Speaker 1: the right realtor and the right wits. So I'm gonna 317 00:18:19,400 --> 00:18:22,600 Speaker 1: switch gears a little bit because I just think it's, um, 318 00:18:22,640 --> 00:18:25,960 Speaker 1: I love that, like you came from a home where 319 00:18:26,040 --> 00:18:29,399 Speaker 1: like real estate is embraced and obviously real estate right 320 00:18:29,440 --> 00:18:31,760 Speaker 1: now is such a fad, Like it's a thing you 321 00:18:31,800 --> 00:18:35,119 Speaker 1: have to admit right Like it's on, it's trending, She's on, 322 00:18:35,240 --> 00:18:38,720 Speaker 1: she's on she's on Netflix, she's on HBO, she's on everything, honey. 323 00:18:38,800 --> 00:18:41,720 Speaker 1: Like even even a play that I recently did called 324 00:18:41,840 --> 00:18:45,439 Speaker 1: dream House was about real estate, was about gentrification, was 325 00:18:45,480 --> 00:18:51,080 Speaker 1: about huge such a huge part of like life absolutely 326 00:18:51,160 --> 00:18:54,480 Speaker 1: and also culturally. And that's the thing that I love 327 00:18:54,960 --> 00:18:57,560 Speaker 1: for you, or I love this for you that you 328 00:18:57,640 --> 00:19:00,520 Speaker 1: were born like into this real estate kind of household 329 00:19:00,560 --> 00:19:04,040 Speaker 1: where your mom you know, went into something new and succeeded, 330 00:19:04,119 --> 00:19:06,440 Speaker 1: and now it's like become such a part of your 331 00:19:06,520 --> 00:19:09,520 Speaker 1: lives that that's something that I don't think that we 332 00:19:09,600 --> 00:19:13,480 Speaker 1: in the Latinic community talk about much. Maybe we're talking 333 00:19:13,520 --> 00:19:15,720 Speaker 1: about more of it now, which is you know why 334 00:19:15,760 --> 00:19:20,000 Speaker 1: we're here having this conversation. But for you, where do 335 00:19:20,080 --> 00:19:23,880 Speaker 1: you see yourself going within this industry? I know that 336 00:19:23,920 --> 00:19:26,199 Speaker 1: there are some big plans that you have with with 337 00:19:26,280 --> 00:19:29,320 Speaker 1: certain organizations that you're creating and how do we continue 338 00:19:29,320 --> 00:19:31,719 Speaker 1: spreading the word to Latino communities because I think that 339 00:19:31,760 --> 00:19:34,719 Speaker 1: more people are interested now and becoming owners, they just 340 00:19:34,800 --> 00:19:37,520 Speaker 1: don't know how how are you shaping that, you know, 341 00:19:37,560 --> 00:19:40,439 Speaker 1: for the Latinic community. So going back to what you 342 00:19:40,480 --> 00:19:45,080 Speaker 1: said about being born into this family that embraces real estate, 343 00:19:45,160 --> 00:19:49,879 Speaker 1: and I'm Puerto Rican, I come from a Puerto Rican background. Um, 344 00:19:49,880 --> 00:19:53,520 Speaker 1: looking at my grandparents specifically, now, my grandparents, they have 345 00:19:53,680 --> 00:19:59,359 Speaker 1: prided themselves on, you know, having good financial history. My 346 00:19:59,480 --> 00:20:02,600 Speaker 1: grandpa there has the best credit score I have ever 347 00:20:02,640 --> 00:20:06,600 Speaker 1: seen in any client anyone, but they've never owned a home. 348 00:20:06,800 --> 00:20:09,520 Speaker 1: And when I asked them, why haven't you owned a home? 349 00:20:09,560 --> 00:20:12,080 Speaker 1: Like you were the co signer on my loan when 350 00:20:12,119 --> 00:20:13,920 Speaker 1: I first got when I first got a car, you 351 00:20:14,000 --> 00:20:16,199 Speaker 1: know what I'm saying, like, and they were just like, 352 00:20:16,280 --> 00:20:18,760 Speaker 1: we didn't know how it would go about doing it. 353 00:20:18,800 --> 00:20:21,679 Speaker 1: We didn't have the tools and the resources and the guidance. 354 00:20:21,960 --> 00:20:24,560 Speaker 1: And I think that's what happens a lot of times 355 00:20:24,600 --> 00:20:28,960 Speaker 1: with our community is there's a disconnect. Um they're not 356 00:20:29,080 --> 00:20:32,359 Speaker 1: provided the tools and the information that they need to 357 00:20:32,400 --> 00:20:37,400 Speaker 1: be successful in this industry. More so recently that's changed Hispanics, 358 00:20:37,760 --> 00:20:40,280 Speaker 1: the rate of home ownership is it serves in two 359 00:20:40,359 --> 00:20:44,400 Speaker 1: thousands UM, which is amazing. I'm so proud of that UM. 360 00:20:44,440 --> 00:20:47,879 Speaker 1: And they're also the fastest growing demographic. But the problem is, 361 00:20:47,960 --> 00:20:50,480 Speaker 1: like there's so many different and you know this because 362 00:20:50,960 --> 00:20:54,480 Speaker 1: you just bought your home. There's so many different parts 363 00:20:54,520 --> 00:20:58,040 Speaker 1: involved in this well oiled machine. You have your mortgage lender, 364 00:20:58,119 --> 00:21:01,720 Speaker 1: you have your title person, you have you know, your realtor, 365 00:21:01,880 --> 00:21:06,080 Speaker 1: your attorney, and a lot of times for Hispanics, they 366 00:21:06,160 --> 00:21:10,160 Speaker 1: don't speak the language, so that's that's a huge disconnect 367 00:21:10,240 --> 00:21:13,200 Speaker 1: and they feel overwhelmed by these contracts that are they're 368 00:21:13,240 --> 00:21:15,240 Speaker 1: only getting in English and they have no one to 369 00:21:15,280 --> 00:21:19,119 Speaker 1: help guide them through it. So a mix between you know, 370 00:21:19,200 --> 00:21:21,640 Speaker 1: getting involved in real estate myself and like I said, 371 00:21:21,680 --> 00:21:24,840 Speaker 1: looking back on the history of my grandparents and seeing 372 00:21:24,880 --> 00:21:27,160 Speaker 1: how they had all the means to do it, they 373 00:21:27,200 --> 00:21:31,199 Speaker 1: just didn't know how. Um. It kind of fueled, you know, 374 00:21:31,680 --> 00:21:35,360 Speaker 1: me and my mother, So we joined the National Association 375 00:21:35,400 --> 00:21:38,640 Speaker 1: of Hispanic Real Estate Professionals, we started our own Shoptor 376 00:21:38,760 --> 00:21:42,080 Speaker 1: and Rockling, and then from there my mom actually just 377 00:21:42,200 --> 00:21:45,120 Speaker 1: formed her own non for profit Latino is a real 378 00:21:45,200 --> 00:21:48,720 Speaker 1: Estate is an organization that you know, my mother formed, 379 00:21:49,000 --> 00:21:52,200 Speaker 1: and our mission is to educate, assisting guide the Hispanic 380 00:21:52,240 --> 00:21:55,320 Speaker 1: community in their journey to work, build, and invest in 381 00:21:55,359 --> 00:21:57,320 Speaker 1: real estate. You know. So our main goal is not 382 00:21:57,359 --> 00:22:01,359 Speaker 1: only to educate and empower the home buyer and seller um, 383 00:22:01,400 --> 00:22:04,040 Speaker 1: but also the professionals that assist them, anyone in the 384 00:22:04,080 --> 00:22:07,320 Speaker 1: industry that's assisting them. So we're advocating for policy changes 385 00:22:07,560 --> 00:22:11,240 Speaker 1: that will help support sustainable Latino ownership, doing things like 386 00:22:11,280 --> 00:22:15,359 Speaker 1: personally visiting these condo associations that aren't accepting these f 387 00:22:15,600 --> 00:22:17,960 Speaker 1: h A loans because it has you know, an f 388 00:22:18,160 --> 00:22:21,120 Speaker 1: h A stands for just just so just our listeners 389 00:22:21,119 --> 00:22:22,520 Speaker 1: can catch up with that if the if they're not 390 00:22:22,600 --> 00:22:25,960 Speaker 1: too sure. It's a loan that protects homebuyers against losses, 391 00:22:26,400 --> 00:22:29,440 Speaker 1: so it requires a lower down payment, but it's also 392 00:22:29,440 --> 00:22:32,560 Speaker 1: backed by the government, so it's a secure loan. But 393 00:22:32,640 --> 00:22:35,879 Speaker 1: a lot of people are turned off by this because 394 00:22:36,960 --> 00:22:39,480 Speaker 1: of the lower down payments, you know, right, And that's 395 00:22:39,520 --> 00:22:42,720 Speaker 1: just also because like I guess, if if if somebody 396 00:22:43,119 --> 00:22:45,240 Speaker 1: were to come by with all the money, right, like 397 00:22:45,359 --> 00:22:48,679 Speaker 1: I got five you know, I can put full cash 398 00:22:48,760 --> 00:22:50,920 Speaker 1: offer for something, and somebody is like, no, I can 399 00:22:50,920 --> 00:22:54,240 Speaker 1: only put this down deposit and then I can obviously 400 00:22:54,280 --> 00:22:57,880 Speaker 1: pay my mortgage. The cash offer always looks right more 401 00:22:57,920 --> 00:23:02,240 Speaker 1: impressive in a sense. Yeah, well, there's always that's real estate. 402 00:23:02,400 --> 00:23:05,320 Speaker 1: You know, there's phrase going to be competition. But for 403 00:23:05,480 --> 00:23:09,199 Speaker 1: situations that you know that aren't so competitive with the 404 00:23:09,240 --> 00:23:14,080 Speaker 1: condo um or with any association that doesn't accept that, 405 00:23:14,240 --> 00:23:18,520 Speaker 1: it's they're not even getting the opportunity, you know. And 406 00:23:18,560 --> 00:23:21,000 Speaker 1: those places that don't have all the all cash fire, 407 00:23:21,119 --> 00:23:23,320 Speaker 1: all that competition, they're not even given the chance to 408 00:23:24,119 --> 00:23:27,320 Speaker 1: to take that step right at the end of the day. 409 00:23:27,359 --> 00:23:29,560 Speaker 1: And I say this about like I mean I say 410 00:23:29,640 --> 00:23:33,600 Speaker 1: this on our on on multiple interviews within other industries 411 00:23:33,720 --> 00:23:35,920 Speaker 1: or even within our industry. It's like seeing the change 412 00:23:35,920 --> 00:23:39,199 Speaker 1: behind the table first. And for people who have access, 413 00:23:39,359 --> 00:23:41,800 Speaker 1: what you're doing is like providing access behind the tables 414 00:23:41,800 --> 00:23:44,920 Speaker 1: and having those conversations on how to open those doors 415 00:23:45,440 --> 00:23:50,160 Speaker 1: for our community, which is huge and necessary, especially with 416 00:23:50,520 --> 00:23:53,080 Speaker 1: the numbers that you just shared, how many more Latinos 417 00:23:53,080 --> 00:23:56,440 Speaker 1: have been able to own homes and we can continue 418 00:23:56,480 --> 00:24:00,679 Speaker 1: that number to grow and keep us informed. And not 419 00:24:00,760 --> 00:24:03,320 Speaker 1: only that, I love that that the organization that your 420 00:24:03,320 --> 00:24:07,520 Speaker 1: mother created, that that's bringing Latinos together on the industry 421 00:24:07,520 --> 00:24:11,840 Speaker 1: side as well. It's not even bringing Latinos specifically together, 422 00:24:11,880 --> 00:24:15,440 Speaker 1: it's bringing the industry together, the industry together, right, help 423 00:24:15,640 --> 00:24:18,920 Speaker 1: the Latino community, which is amazing. We have non Latinos 424 00:24:18,960 --> 00:24:22,240 Speaker 1: on our board. Um, we have attorneys on our board 425 00:24:22,280 --> 00:24:25,399 Speaker 1: that aren't Latino, but they understand the importance of being 426 00:24:25,440 --> 00:24:28,320 Speaker 1: able to help the Latino homebarer. Because to be successful 427 00:24:28,359 --> 00:24:30,840 Speaker 1: in this industry, you have to be working with Latinos 428 00:24:30,840 --> 00:24:34,280 Speaker 1: that were up and coming like the avoid us, you know, right, 429 00:24:35,720 --> 00:24:38,120 Speaker 1: and also like we also need to be working with 430 00:24:38,400 --> 00:24:41,200 Speaker 1: the people who are up there, which you know, I mean, 431 00:24:41,280 --> 00:24:44,359 Speaker 1: let's be real to like most are not Latinos, so 432 00:24:44,400 --> 00:24:46,480 Speaker 1: to include them in the conversation. Like we all need 433 00:24:46,520 --> 00:24:48,320 Speaker 1: each other, we all need to support each other and 434 00:24:48,320 --> 00:24:50,920 Speaker 1: need each other so we can at least grow together 435 00:24:51,359 --> 00:24:55,159 Speaker 1: and have that that impact. It's about enabling and empowering 436 00:24:55,320 --> 00:24:58,640 Speaker 1: the the top industry professionals to be able to help 437 00:24:58,640 --> 00:25:02,280 Speaker 1: those clients, whether it's you know, providing contracts that come 438 00:25:02,280 --> 00:25:05,720 Speaker 1: in Spanish so that they could give to their Spanish speakers. Um, 439 00:25:05,760 --> 00:25:08,639 Speaker 1: if they need somebody to translate for them, you know, 440 00:25:08,720 --> 00:25:11,800 Speaker 1: we're there, We're there, We have Spanish speakers that will 441 00:25:11,840 --> 00:25:13,840 Speaker 1: go there and translate, so they're still working with these 442 00:25:14,000 --> 00:25:17,879 Speaker 1: professionals that maybe are not bilingual, but those professionals are 443 00:25:17,920 --> 00:25:21,800 Speaker 1: able to help. We're putting together resources to do so, 444 00:25:22,040 --> 00:25:25,480 Speaker 1: putting together a whole book of resources, business referrals of 445 00:25:25,600 --> 00:25:29,120 Speaker 1: people that could help the Latino community and just giving 446 00:25:29,119 --> 00:25:32,600 Speaker 1: them the tools that they need. So absolutely so for you, 447 00:25:32,640 --> 00:25:34,600 Speaker 1: what do you see, um, what do you see like 448 00:25:34,680 --> 00:25:38,160 Speaker 1: your your Nicholas Ryan like end goal. You know you're 449 00:25:38,160 --> 00:25:40,399 Speaker 1: working with some top dogs and you're now creating this 450 00:25:40,520 --> 00:25:43,960 Speaker 1: organization with your mother and you're involved in real estate 451 00:25:44,040 --> 00:25:47,119 Speaker 1: is hot? What do you see for yourself personally? How 452 00:25:47,119 --> 00:25:50,560 Speaker 1: do you see yourself growing within the industry of real estate? Um? 453 00:25:50,960 --> 00:25:52,720 Speaker 1: This is this goes back to what I said about 454 00:25:52,720 --> 00:25:55,800 Speaker 1: no path. There's never a cap with real escy. So 455 00:25:56,000 --> 00:26:00,520 Speaker 1: I always see myself doing more that Like the technology 456 00:26:00,560 --> 00:26:03,960 Speaker 1: is changing, the methods are changing, the market changes, so 457 00:26:04,920 --> 00:26:07,840 Speaker 1: every year I'm learning more, every year I'm growing more. 458 00:26:08,359 --> 00:26:10,560 Speaker 1: Where I am now compared to where I was when 459 00:26:10,560 --> 00:26:13,800 Speaker 1: I first started is I look at that change and 460 00:26:13,800 --> 00:26:16,240 Speaker 1: I'm just like, I have so much left, you know, 461 00:26:16,280 --> 00:26:19,359 Speaker 1: I have so much more to accomplish in this industry, 462 00:26:19,600 --> 00:26:24,480 Speaker 1: and I love I've always been big on customer service 463 00:26:24,520 --> 00:26:27,800 Speaker 1: and helping people. I've always been a people person. So 464 00:26:28,160 --> 00:26:30,320 Speaker 1: I feel like I finally found my niche, you know, 465 00:26:30,400 --> 00:26:33,840 Speaker 1: because it's it's something that I have always had a 466 00:26:33,840 --> 00:26:37,119 Speaker 1: passion for and and and it's something that will always 467 00:26:37,119 --> 00:26:39,080 Speaker 1: be in demand in this country. So I feel like 468 00:26:39,359 --> 00:26:42,439 Speaker 1: there's no stopping. Yeah, You're like, there's no limit. And 469 00:26:42,480 --> 00:26:44,280 Speaker 1: I and also like in within real estate and all 470 00:26:44,280 --> 00:26:47,560 Speaker 1: the things that can be connected with now with all 471 00:26:47,680 --> 00:26:50,280 Speaker 1: I mean, listen, we might be out here seeing like Netflix, 472 00:26:50,600 --> 00:26:54,200 Speaker 1: like Nicholas Ryan on Netflix. Next. Yes, I am going 473 00:26:54,280 --> 00:26:57,199 Speaker 1: to be one of the property brothers that will be 474 00:26:57,200 --> 00:27:00,800 Speaker 1: the Douglas. I love that. Can I be a client. 475 00:27:00,840 --> 00:27:05,320 Speaker 1: I'm gonna be doing my life your seventeenth investment property exactly. 476 00:27:06,240 --> 00:27:08,320 Speaker 1: I'll be calling you when I'm ready to get my estate. 477 00:27:08,560 --> 00:27:11,439 Speaker 1: There we go at you know what I'm saying. You 478 00:27:11,480 --> 00:27:14,200 Speaker 1: know what I'm saying. Maybe I'll think about retiring when 479 00:27:14,200 --> 00:27:19,239 Speaker 1: I get my estate. That's like we made it. I 480 00:27:19,280 --> 00:27:21,520 Speaker 1: love like seeing a state like you're on property, like 481 00:27:21,520 --> 00:27:24,120 Speaker 1: those really like crazy ones. I'm like, God, damn, Nick, 482 00:27:24,280 --> 00:27:27,280 Speaker 1: I can't wait for us to be walking through mine 483 00:27:27,320 --> 00:27:30,320 Speaker 1: in the future. I love seeing all these crazy houses, 484 00:27:30,440 --> 00:27:33,040 Speaker 1: Like I bet it's still motivating, like I could own 485 00:27:33,040 --> 00:27:36,439 Speaker 1: this one day, you know, having access, Having access is 486 00:27:37,040 --> 00:27:38,919 Speaker 1: all you need to at least envision and see it 487 00:27:38,960 --> 00:27:45,720 Speaker 1: manifested and make it come true. Nicholas, this is my 488 00:27:45,760 --> 00:27:50,240 Speaker 1: favorite part of the show. These are our steed questions. 489 00:27:50,359 --> 00:27:55,520 Speaker 1: Are you ready? What's your favorite advice someone's given you? Um, 490 00:27:55,560 --> 00:27:59,680 Speaker 1: a year from now, You're gonna wish she started today? Facts? Okay? 491 00:28:00,080 --> 00:28:03,879 Speaker 1: Or two? Is there a celebrity or someone that you 492 00:28:03,960 --> 00:28:06,480 Speaker 1: admire that you would love to get a tour of 493 00:28:06,520 --> 00:28:11,320 Speaker 1: their house? Um? Yeah, so um actually modeling my current 494 00:28:11,359 --> 00:28:15,240 Speaker 1: home after Kim Kardashian and Kanye West home, of course 495 00:28:15,280 --> 00:28:19,520 Speaker 1: you are. I just love the sleek, minimalist, like natural. 496 00:28:19,720 --> 00:28:22,600 Speaker 1: Why is it embarrassing? It's like literally what's in now? 497 00:28:22,760 --> 00:28:25,800 Speaker 1: Like that? Like they are they literally real estate royalty 498 00:28:26,000 --> 00:28:29,320 Speaker 1: Like the decorations. Yeah, they just I mean, I don't 499 00:28:29,359 --> 00:28:32,240 Speaker 1: know if it's so much them as much as their 500 00:28:32,359 --> 00:28:36,200 Speaker 1: designers that they hire, but it's simple and like sophisticated 501 00:28:36,520 --> 00:28:42,040 Speaker 1: and and minimal and I just minimal. It's everything I want. Yes, 502 00:28:42,360 --> 00:28:44,840 Speaker 1: you know, yeah, I know, I'm with you. I literally 503 00:28:44,920 --> 00:28:48,280 Speaker 1: have the same. I mean, I what is um uh 504 00:28:48,480 --> 00:28:51,320 Speaker 1: Courtney doesn't she have Does she still have her own 505 00:28:51,560 --> 00:28:55,400 Speaker 1: like company like that? Like designer interior design company? Like 506 00:28:55,480 --> 00:28:58,200 Speaker 1: is that still doing anything? I don't. I'm not sure 507 00:28:58,200 --> 00:29:01,760 Speaker 1: if it's doing anything. Used to exist. They put their 508 00:29:01,760 --> 00:29:04,760 Speaker 1: people on a lot. Like those people that design their 509 00:29:04,800 --> 00:29:09,280 Speaker 1: homes are doing just fine because everybody wants it. Everybody 510 00:29:09,280 --> 00:29:12,080 Speaker 1: wants it. That's it. That's it. They're all getting into 511 00:29:12,120 --> 00:29:14,880 Speaker 1: housing because it's like you said, it's trendy right now, 512 00:29:15,160 --> 00:29:18,840 Speaker 1: so exactly, and people can make money, you know, sitting 513 00:29:18,880 --> 00:29:23,880 Speaker 1: on their foots exactly. That's okay. Number three, What reminds 514 00:29:23,920 --> 00:29:27,000 Speaker 1: you of home or makes you feel like home? Grandma's 515 00:29:27,000 --> 00:29:33,160 Speaker 1: cooking ash she makes everything. This is hard to say. 516 00:29:33,400 --> 00:29:37,600 Speaker 1: I love her son. It's my favorite. It is suncch season. 517 00:29:37,720 --> 00:29:43,400 Speaker 1: Everybody on Nicholas If people want to follow you or like, 518 00:29:43,440 --> 00:29:45,680 Speaker 1: you know, what's your social media plug? What's the best 519 00:29:45,680 --> 00:29:49,840 Speaker 1: way to tap in? So Nicholas Ryan Underscore on Instagram. 520 00:29:49,920 --> 00:29:54,800 Speaker 1: My work site is Nicholas Ryan dot online. UM. Instagram 521 00:29:54,920 --> 00:29:56,880 Speaker 1: is probably the best way to contact me. I'm also 522 00:29:56,920 --> 00:30:00,520 Speaker 1: on Facebook, I'm on all platforms. Is Nicholas Ryan UM 523 00:30:00,520 --> 00:30:05,240 Speaker 1: and then Latinos Dot of real Estate on Instagram. Latinos 524 00:30:05,520 --> 00:30:09,400 Speaker 1: Dot of real Estate on Instagram. Nicholas, thank you so 525 00:30:09,480 --> 00:30:11,880 Speaker 1: much for taking your time today. I know you have 526 00:30:11,920 --> 00:30:14,600 Speaker 1: a busy schedule. You gotta go sell those houses, go 527 00:30:14,680 --> 00:30:16,880 Speaker 1: to your thing, go pay that mortgage off that new 528 00:30:16,920 --> 00:30:19,680 Speaker 1: house you just got. UM and invite me over for 529 00:30:19,720 --> 00:30:22,920 Speaker 1: the housewarming. I'll bring some soul there we go. Sounds good. 530 00:30:22,920 --> 00:30:25,840 Speaker 1: Thank you so much for having UM. It's a pleasure. 531 00:30:26,240 --> 00:30:28,040 Speaker 1: Like I said, I'm a fan of everything that you do, 532 00:30:28,160 --> 00:30:30,520 Speaker 1: so to be a part of it is amazing and yeah, 533 00:30:30,560 --> 00:30:37,320 Speaker 1: I love you. Monamita is a production of Sono in 534 00:30:37,400 --> 00:30:41,440 Speaker 1: partnership with I Heart Radios michaela podcast network. For more 535 00:30:41,520 --> 00:30:44,760 Speaker 1: podcasts from I Heart Radio, visit the I Heart Radio app, 536 00:30:45,000 --> 00:30:48,080 Speaker 1: Apple podcast, or wherever you listen to your favorite shows.