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Speaker 1: An illegal alien from Guatemala charged with raping a child

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Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador

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Speaker 1: accused of murdering a Texas man of Venezuelan charged with

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Speaker 1: filming and selling child pornography in Michigan. These are just

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Speaker 1: some of the heinous migrant criminals caught because of President

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Speaker 1: Donald J. Trump's leadership. I'm Christy nom the United States

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Speaker 1: Secretary of Homeland Security. Under President Trump, attempted illegal border

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Speaker 1: crossings are at the lowest levels ever recorded, and over

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Speaker 1: one hundred thousand illegal aliens have been arrested. If you

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Speaker 1: are here illegally, your next you will be fined nearly

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Speaker 1: one thousand dollars a day, imprisoned, and deported. You will

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Speaker 1: never return. But if you register using our CBP home

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Speaker 1: app and leave now, you could be allowed to return legally.

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Speaker 1: Do what's right. Leave now. Under President Trump, America's laws,

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Speaker 1: border and families will be protected.

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Speaker 2: Sponsored by the United States Department of Homeland Security.

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Speaker 3: You said when you spoke to your friend who recommended

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Speaker 3: NAKA to you, that you had ten thousand dollars and

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Speaker 3: so a lot of times when people here NAKA and

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Speaker 3: they had no doubt payment. They think, oh, you need

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Speaker 3: no money, that's not just like that's like one of

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Speaker 3: these misconceptions like, oh, it's no money down. My credit

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Speaker 3: can be six twenty, but you need money to be

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Speaker 3: in a program.

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Speaker 4: I mean, talk about any any mortgage that you're going

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Speaker 4: to get, You're going to have things you have to

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Speaker 4: pay for, taxes, insurance.

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Speaker 5: Like all of those kind of things.

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Speaker 4: In addition to that, NAKA wants you to have a

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Speaker 4: specific amount of money saved. Me I personally try to

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Speaker 4: tell people save about three and a half percent of

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Speaker 4: the loan amount that you're looking for, because that covers

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Speaker 4: your taxes, insurance, and it should cover, you know what

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Speaker 4: I mean, the cushion of a few months that they

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Speaker 4: require you to have as well, because what they don't

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Speaker 4: want to happen is for you to be house rich

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Speaker 4: and cash poor because a lot of times what tends

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Speaker 4: to happen to people is they're you know, pay their

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Speaker 4: down payment fees.

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Speaker 5: All of those different things you.

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Speaker 4: Done came out of twenty twenty five thousand dollars or

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Speaker 4: whatever the case. Mark You've just spent thirty years of

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Speaker 4: your life saving this money. Now you just gave it away.

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Speaker 4: Now you have this house, and when something goes wrong

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Speaker 4: with this house a roof issue, of plumbing issue, you

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Speaker 4: don't you can't fix it. You don't have the money

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Speaker 4: to fix it, and they don't want you to do that.

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Speaker 4: So they set you up to whereas you have money,

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Speaker 4: they set you up to whereas if you go get

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Speaker 4: a multi unit, you got cash flow coming in because

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Speaker 4: they make sure the numbers fall right all of those

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Speaker 4: different things. And this is why I love them, because

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Speaker 4: they protected me throughout the whole process. There were times

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Speaker 4: where contractors tried to do food, food shit. They're just

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Speaker 4: different stuff, and I could just like ran interference on

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Speaker 4: all that, like nah, we're not going for that. At times,

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Speaker 4: like somebody try to sell you a four unit building,

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Speaker 4: but the building is only zone for three units. In

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Speaker 4: the garden unit or the basement unit will be like illegal,

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Speaker 4: but na coull you know, they gonna go through their

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Speaker 4: due diligence and you know what I mean, like check

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Speaker 4: you know, city records and all that make sure all

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Speaker 4: of this stuff is zoned and approved correctly, and a

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Speaker 4: lot of times like it don't.

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Speaker 5: And they protect you from all that.

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Speaker 3: Stuff, even in your own personal right. Like I was

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Speaker 3: reading that they'll check your patterns, right, Yeah, they'll check

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Speaker 3: your rent patterns, they'll check your savings patterns. So it's

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Speaker 3: not like, hey, that look at how much you were

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Speaker 3: paying how much you make, and they'll say, well, that

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Speaker 3: money could be saved. So having that as an important

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Speaker 3: like system makes sense, right, because it's like you don't

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Speaker 3: want to make sure, like you don't want to have

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Speaker 3: it where I say five hundred, then I save nothing

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Speaker 3: for three months and I put three thousand. They're watching

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Speaker 3: that to make sure that they can making.

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Speaker 4: Sure you got good good money spend like good money

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Speaker 4: habits like and this is and it's not bad, like

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Speaker 4: you should want to have good money happens. You should

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Speaker 4: appreciate this kind of training, like, Okay, I need this

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Speaker 4: because I've been not disciplined for the longest amount of

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Speaker 4: time and now I have somebody challenging me to do better.

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Speaker 5: Why wouldn't you want that? So they approve you for

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Speaker 5: you come with your information, da da da.

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Speaker 4: They put it in the system and they say, okay,

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Speaker 4: you're based off of what we think you can get

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Speaker 4: a two hundred thousand dollars more if you're going for

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Speaker 4: a single family home. Yes, but that's not how it

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Speaker 4: works with multi units. Okay, with multi units, how it

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Speaker 4: works is even with naka, so they have limits. So

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Speaker 4: with a single family home, which just these are examples,

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Speaker 4: it depends on what area you're in. They'll give you

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Speaker 4: a max. So, let's say a single family home, they

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Speaker 4: might give you a max. Two hundre thousand and two unit.

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Speaker 4: They might give you a max of three fifty three unit.

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Speaker 4: They might give you a max a six hundred. On

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Speaker 4: a four unit, they'll give you a max of like

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Speaker 4: nine hundred and nine to fifty or something like that.

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Speaker 4: So for me, I'm like, why not max out and

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Speaker 4: go crazy? If I'm trying to go get me a

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Speaker 4: rental property, I'm gonna get four units. The four units

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Speaker 4: are gonna make sure I have a place to live

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Speaker 4: for free. Is gonna make sure my mortgage is paid.

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Speaker 4: On top of steel, having some money at the end

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Speaker 4: of the month is cash flow, So I'm gonna do that.

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Speaker 4: On top of that, it's gonna allow me to go

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Speaker 4: for a bigger mortgage, which is gonna put me in

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Speaker 4: a nicer neighborhood, you know what I'm saying. In addition

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Speaker 4: to that, if I go find a four unit in

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Speaker 4: a nice neighborhood. That means the rents are gonna be high.

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Speaker 2: Ernest, what's up?

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Speaker 3: You ever walk into a small business and everything just

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Speaker 3: works like the checkout is fast, the re seats of

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Speaker 3: digital tipping is a breeze, and you're out the door

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Speaker 3: before the line even builds odds are they're using Square.

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Speaker 3: We love supporting businesses that run on Square because it

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Speaker 3: just feels seamless. Whether it's a local coffee shop, a

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Speaker 3: vendor at a pop up market, or even one of

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Speaker 3: our partners, Square makes it easy for them to take payments,

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Speaker 3: manage inventory, and run their business with confidence, all from

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Speaker 3: one simple system. If you're a business owner or even

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Speaker 3: just thinking about launching something soon, Square is hands down

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Speaker 3: one of the best tools out there to help you start, run,

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Speaker 3: and grow. It's not just about payments, it's about giving

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Speaker 3: you time back so you can focus on what matters

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Speaker 3: most ready. To see how Square can transform your business,

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Speaker 3: visit Square dot com backslash go backslash eyl to learn

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Speaker 3: more that Square dot com backslash, go backslash eyl. Don't wait,

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Speaker 3: don't hesitate, let's Square handle the back end so you

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Speaker 3: can keep pushing your Vision Forward. This episode is brought

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Speaker 3: to you by P and C Bank. A lot of

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Speaker 3: people think podcasts about work are boring, and sure they

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Speaker 3: definitely can be, but understanding a professionals routine shows us

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Speaker 3: Financial Service Group, Inc. P and C Bank National Association

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Speaker 3: Member FDIC.

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Speaker 1: An illegal alien from Guatemala charged with raping a child

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Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador

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Speaker 1: accused of murdering a Texas. Man of Venezuelan charged with

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Speaker 1: filming and selling child pornography in Michigan. These are just

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Speaker 1: some of the heinous migrant criminals caught because of President

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Speaker 1: Donald J. Trump's leadership. I'm Christy nom the United States

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Speaker 1: Secretary of Homeland Security under President Trump, attempted illegal border

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Speaker 1: crossings are at the lowest levels ever recorded. In over

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Speaker 1: one hundred thousand illegal aliens have been arrested. If you

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Speaker 1: are here illegally, your next you will be fine nearly

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Speaker 1: one thousand dollars a day, imprisoned and deported, you will

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Speaker 1: never return. But if you register using our CBP home

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Speaker 1: app and leave now, you could be allowed to return legally.

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Speaker 1: Do what's right. Leave now. Under President Trump, America's laws,

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Speaker 1: border and families will.

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Speaker 2: Be protected sponsored by the United States Department of Homeland Security.

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Speaker 5: You know what I mean, because that's just what it is.

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Speaker 4: When you live in nice neighborhoods, you got higher rents

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Speaker 4: and apartments are nice. So how NACA qualifies you or

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Speaker 4: lenders qualify you in general for multi units is totally

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Speaker 4: different than they do for single family homes. A single

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Speaker 4: family home, you're qualified strictly using your income. When it

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Speaker 4: comes to multifamilies, and this is why I tell people,

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Speaker 4: go find you a multifamily that has people living in

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Speaker 4: it already, because what they do is they'll take seventy

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Speaker 4: five percent of the income that the property is generating

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Speaker 4: already added to yours, and that is what makes the

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Speaker 4: property more than affordable. For example, this is what I

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Speaker 4: like to tell people. So let's say you make two

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Speaker 4: thousand dollars a month at your job, right, and the

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Speaker 4: mortgage on this property you're looking at is three thousand dollars.

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Speaker 4: Of course you can afford it. You're a thousand dollars short.

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Speaker 4: But let's say the property that you're looking at also

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Speaker 4: generates four thousand dollars a month in rent. They'll take

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Speaker 4: three thousand dollars of dock add it to your two thousand.

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Speaker 5: Now that's five thousand. Subtract three thousand from that.

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Speaker 4: Now you have two thousand dollars left over at the

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Speaker 4: end of the month, which makes this property way more

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Speaker 4: than affordable. On top of they only used seventy five

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Speaker 4: percent of the rent, they're still twenty five percent.

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Speaker 5: That's still there. You get what I'm saying to you.

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Speaker 4: So like, that's that's how the multi unit math works.

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Speaker 4: And people don't understand that, and they're like, I can't

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Speaker 4: afford a multi unit. It's so expensive. How do you

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Speaker 4: afford a multi unit and you're making twenty six thousand

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Speaker 4: dollars a year? Because I understand how multi unit math works,

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Speaker 4: and I went and found me property that had high

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Speaker 4: rents and cash flowing already, and all I had to

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Speaker 4: do was pretty much sign a paperwork and move in.

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Speaker 3: So you found the property yourself. Didn't apply for the program, right,

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Speaker 3: So does it when you apply for it? Does it

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Speaker 3: have to be the primary residents? How does that work?

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Speaker 4: Yeah, so you do have to live in a property

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Speaker 4: for the life of the loan. But NAKA has a

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Speaker 4: five year leaning on a property because they're not designed to,

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Speaker 4: you know, create investors. They're designed to balance our neighborhood.

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Speaker 4: So they want you to live in a property and

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Speaker 4: for the first five years you have a twenty five

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Speaker 4: k lean on it. Every year drops off five thousand dollars.

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Speaker 4: So after the fifth year, you probably like cleaning free

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Speaker 4: to go do whatever you need to do, whether it

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Speaker 4: be refinanced or whatever the case may be. And at

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Speaker 4: this point, my first one, I've been in there for

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Speaker 4: eight years. The second one it's been five years. So

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Speaker 4: now I'm kind of like free and clear to Nacolin

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Speaker 4: and I can kind of go move around how I

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Speaker 4: want to. But it's just like I'm set up to

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Speaker 4: the point where now I can pull equity out of

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Speaker 4: my properties, not ConA set me up to the point

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Speaker 4: in the beginning on my first deal. We ain't even

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Speaker 4: talk about this yet, but my first deal was immaculate.

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Speaker 4: I got a four unit property I moved in, so

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Speaker 4: I lived for free, all three units. You know what

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Speaker 4: I mean, we're paying rent already. I they didn't put

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Speaker 4: any money down. I walked away from the clothing table

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Speaker 4: with a five thousand dollars check. That same day, I

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Speaker 4: got paid from my job. In addition to I kept

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Speaker 4: all of my money because I was going through the

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Speaker 4: process and they required me to keep saving. So that

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Speaker 4: ten thousand turned into fifteen thousand. So I went from

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Speaker 4: making about twenty six thousand dollars a year at my

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Speaker 4: job to having twenty six thousand dollars in cash in

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Speaker 4: my account after my first deal, which allowed me to

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Speaker 4: go start investing in the stock market, you know what

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Speaker 4: I mean, doing more deals, traveling network and building business,

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Speaker 4: meeting guys like y'all.

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Speaker 5: And that just came from that first deal.

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Speaker 4: And this is why I try to encourage people to

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Speaker 4: go through NAKA, because they set you up so beautifully.

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Speaker 4: After the deal, it's like, damn, I still got all

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Speaker 4: this money left. The average person, they out of what

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Speaker 4: ten fifteen twenty thousand dollars on the deal with Faha.

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Speaker 4: You know what I'm saying, It's not that with Naka. Yeah,

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Speaker 4: I had to spend Actually I didn't spend nothing. But

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Speaker 4: you may have to spend a little money, like I said,

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Speaker 4: your taxes, insurance and little stuff like that. But man,

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Speaker 4: it's nowhere near the same. It's what a convention to

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Speaker 4: with Faha.

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Speaker 1: An illegal alien from Guatemala charged with raping a child

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Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador

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Speaker 1: accused of murdering a Texas man of Venezuelan charged with

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Speaker 1: filming and selling child pornography in Michigan. These are just

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Speaker 1: some of the heinous migrant criminals caught because of President

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Speaker 1: Donald J. Trump's leadership. I'm Christy Noman, the United States

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Speaker 1: Secretary of Homeland Security. Under President Trump, attempted illegal border

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Speaker 1: crossings are at the lowest levels ever recorded, and over

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Speaker 1: one hundred thousand illegal aliens.

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Speaker 2: Have been arrested.

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Speaker 1: If you are here illegally, your next you will be

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Speaker 1: fined nearly one thousand dollars a day, imprisoned, and deported.

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Speaker 1: You will never return. But if you register using our

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Speaker 1: CBP home app and leave now, you could be allowed

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Speaker 1: to return legally. Do what's right. Leave now. Under President

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Speaker 1: Trump America's laws, Border and fam families will be protected.

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Speaker 2: Sponsored by the United States Department of Homeland Security,