WEBVTT - Study Hall: The Requirements for The NACA Program

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<v Speaker 1>An illegal alien from Guatemala charged with raping a child

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<v Speaker 1>in Massachusetts. An MS thirteen gang member from Al Salvador

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<v Speaker 1>accused of murdering a Texas man of Venezuelan charged with

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<v Speaker 1>filming and selling child pornography in Michigan. These are just

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<v Speaker 1>some of the heinous migrant criminals caught because of President

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

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<v Speaker 1>Secretary of Homeland Security. Under President Trump, attempted illegal border

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<v Speaker 1>crossings are at the lowest levels ever recorded, and over

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<v Speaker 1>one hundred thousand illegal aliens have been arrested. If you

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<v Speaker 1>are here illegally, your next you will be fined nearly

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<v Speaker 1>one thousand dollars a day, imprisoned, and deported. You will

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<v Speaker 1>never return. But if you register using our CBP home

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<v Speaker 1>app and leave now, you could be allowed to return legally.

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

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<v Speaker 1>border and families will be protected.

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<v Speaker 2>Sponsored by the United States Department of Homeland Security.

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<v Speaker 3>You said when you spoke to your friend who recommended

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<v Speaker 3>NAKA to you, that you had ten thousand dollars and

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<v Speaker 3>so a lot of times when people here NAKA and

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<v Speaker 3>they had no doubt payment. They think, oh, you need

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<v Speaker 3>no money, that's not just like that's like one of

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

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<v Speaker 3>can be six twenty, but you need money to be

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<v Speaker 3>in a program.

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<v Speaker 4>I mean, talk about any any mortgage that you're going

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<v Speaker 4>to get, You're going to have things you have to

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<v Speaker 4>pay for, taxes, insurance.

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<v Speaker 5>Like all of those kind of things.

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<v Speaker 4>In addition to that, NAKA wants you to have a

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<v Speaker 4>specific amount of money saved. Me I personally try to

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<v Speaker 4>tell people save about three and a half percent of

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<v Speaker 4>the loan amount that you're looking for, because that covers

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<v Speaker 4>your taxes, insurance, and it should cover, you know what

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<v Speaker 4>I mean, the cushion of a few months that they

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<v Speaker 4>require you to have as well, because what they don't

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<v Speaker 4>want to happen is for you to be house rich

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<v Speaker 4>and cash poor because a lot of times what tends

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<v Speaker 4>to happen to people is they're you know, pay their

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<v Speaker 4>down payment fees.

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<v Speaker 5>All of those different things you.

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<v Speaker 4>Done came out of twenty twenty five thousand dollars or

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<v Speaker 4>whatever the case. Mark You've just spent thirty years of

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<v Speaker 4>your life saving this money. Now you just gave it away.

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<v Speaker 4>Now you have this house, and when something goes wrong

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<v Speaker 4>with this house a roof issue, of plumbing issue, you

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<v Speaker 4>don't you can't fix it. You don't have the money

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

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<v Speaker 4>So they set you up to whereas you have money,

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<v Speaker 4>they set you up to whereas if you go get

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<v Speaker 4>a multi unit, you got cash flow coming in because

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<v Speaker 4>they make sure the numbers fall right all of those

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<v Speaker 4>different things. And this is why I love them, because

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<v Speaker 4>they protected me throughout the whole process. There were times

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<v Speaker 4>where contractors tried to do food, food shit. They're just

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<v Speaker 4>different stuff, and I could just like ran interference on

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

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<v Speaker 4>like somebody try to sell you a four unit building,

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<v Speaker 4>but the building is only zone for three units. In

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<v Speaker 4>the garden unit or the basement unit will be like illegal,

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<v Speaker 4>but na coull you know, they gonna go through their

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<v Speaker 4>due diligence and you know what I mean, like check

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<v Speaker 4>you know, city records and all that make sure all

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<v Speaker 4>of this stuff is zoned and approved correctly, and a

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<v Speaker 4>lot of times like it don't.

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<v Speaker 5>And they protect you from all that.

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<v Speaker 3>Stuff, even in your own personal right. Like I was

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<v Speaker 3>reading that they'll check your patterns, right, Yeah, they'll check

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<v Speaker 3>your rent patterns, they'll check your savings patterns. So it's

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<v Speaker 3>not like, hey, that look at how much you were

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<v Speaker 3>paying how much you make, and they'll say, well, that

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<v Speaker 3>money could be saved. So having that as an important

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<v Speaker 3>like system makes sense, right, because it's like you don't

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<v Speaker 3>want to make sure, like you don't want to have

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<v Speaker 3>it where I say five hundred, then I save nothing

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<v Speaker 3>for three months and I put three thousand. They're watching

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<v Speaker 3>that to make sure that they can making.

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<v Speaker 4>Sure you got good good money spend like good money

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<v Speaker 4>habits like and this is and it's not bad, like

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<v Speaker 4>you should want to have good money happens. You should

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<v Speaker 4>appreciate this kind of training, like, Okay, I need this

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<v Speaker 4>because I've been not disciplined for the longest amount of

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<v Speaker 4>time and now I have somebody challenging me to do better.

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<v Speaker 5>Why wouldn't you want that? So they approve you for

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<v Speaker 5>you come with your information, da da da.

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<v Speaker 4>They put it in the system and they say, okay,

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<v Speaker 4>you're based off of what we think you can get

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<v Speaker 4>a two hundred thousand dollars more if you're going for

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

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<v Speaker 4>works with multi units. Okay, with multi units, how it

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<v Speaker 4>works is even with naka, so they have limits. So

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<v Speaker 4>with a single family home, which just these are examples,

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<v Speaker 4>it depends on what area you're in. They'll give you

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<v Speaker 4>a max. So, let's say a single family home, they

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<v Speaker 4>might give you a max. Two hundre thousand and two unit.

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<v Speaker 4>They might give you a max of three fifty three unit.

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<v Speaker 4>They might give you a max a six hundred. On

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<v Speaker 4>a four unit, they'll give you a max of like

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<v Speaker 4>nine hundred and nine to fifty or something like that.

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<v Speaker 4>So for me, I'm like, why not max out and

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<v Speaker 4>go crazy? If I'm trying to go get me a

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<v Speaker 4>rental property, I'm gonna get four units. The four units

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<v Speaker 4>are gonna make sure I have a place to live

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<v Speaker 4>for free. Is gonna make sure my mortgage is paid.

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<v Speaker 4>On top of steel, having some money at the end

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

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<v Speaker 4>On top of that, it's gonna allow me to go

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<v Speaker 4>for a bigger mortgage, which is gonna put me in

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

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<v Speaker 4>to that, if I go find a four unit in

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<v Speaker 4>a nice neighborhood. That means the rents are gonna be high.

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<v Speaker 2>Ernest, what's up?

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<v Speaker 1>An illegal alien from Guatemala charged with raping a child

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<v Speaker 1>in Massachusetts. An MS thirteen gang member from Al Salvador

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<v Speaker 1>accused of murdering a Texas. Man of Venezuelan charged with

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<v Speaker 1>filming and selling child pornography in Michigan. These are just

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<v Speaker 1>some of the heinous migrant criminals caught because of President

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

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<v Speaker 1>Secretary of Homeland Security under President Trump, attempted illegal border

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<v Speaker 1>crossings are at the lowest levels ever recorded. In over

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<v Speaker 1>one hundred thousand illegal aliens have been arrested. If you

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<v Speaker 1>are here illegally, your next you will be fine nearly

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<v Speaker 1>one thousand dollars a day, imprisoned and deported, you will

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<v Speaker 1>never return. But if you register using our CBP home

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<v Speaker 1>app and leave now, you could be allowed to return legally.

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

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<v Speaker 1>border and families will.

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<v Speaker 2>Be protected sponsored by the United States Department of Homeland Security.

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

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<v Speaker 4>When you live in nice neighborhoods, you got higher rents

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<v Speaker 4>and apartments are nice. So how NACA qualifies you or

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<v Speaker 4>lenders qualify you in general for multi units is totally

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<v Speaker 4>different than they do for single family homes. A single

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

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<v Speaker 4>comes to multifamilies, and this is why I tell people,

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<v Speaker 4>go find you a multifamily that has people living in

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<v Speaker 4>it already, because what they do is they'll take seventy

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<v Speaker 4>five percent of the income that the property is generating

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<v Speaker 4>already added to yours, and that is what makes the

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<v Speaker 4>property more than affordable. For example, this is what I

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<v Speaker 4>like to tell people. So let's say you make two

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<v Speaker 4>thousand dollars a month at your job, right, and the

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

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

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<v Speaker 4>But let's say the property that you're looking at also

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<v Speaker 4>generates four thousand dollars a month in rent. They'll take

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<v Speaker 4>three thousand dollars of dock add it to your two thousand.

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<v Speaker 5>Now that's five thousand. Subtract three thousand from that.

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<v Speaker 4>Now you have two thousand dollars left over at the

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<v Speaker 4>end of the month, which makes this property way more

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<v Speaker 4>than affordable. On top of they only used seventy five

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<v Speaker 4>percent of the rent, they're still twenty five percent.

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

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<v Speaker 4>So like, that's that's how the multi unit math works.

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

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<v Speaker 4>afford a multi unit. It's so expensive. How do you

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<v Speaker 4>afford a multi unit and you're making twenty six thousand

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<v Speaker 4>dollars a year? Because I understand how multi unit math works,

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<v Speaker 4>and I went and found me property that had high

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<v Speaker 4>rents and cash flowing already, and all I had to

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<v Speaker 4>do was pretty much sign a paperwork and move in.

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

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<v Speaker 3>So does it when you apply for it? Does it

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<v Speaker 3>have to be the primary residents? How does that work?

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<v Speaker 4>Yeah, so you do have to live in a property

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<v Speaker 4>for the life of the loan. But NAKA has a

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

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

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<v Speaker 4>So they want you to live in a property and

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<v Speaker 4>for the first five years you have a twenty five

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<v Speaker 4>k lean on it. Every year drops off five thousand dollars.

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<v Speaker 4>So after the fifth year, you probably like cleaning free

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<v Speaker 4>to go do whatever you need to do, whether it

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<v Speaker 4>be refinanced or whatever the case may be. And at

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<v Speaker 4>this point, my first one, I've been in there for

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<v Speaker 4>eight years. The second one it's been five years. So

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<v Speaker 4>now I'm kind of like free and clear to Nacolin

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<v Speaker 4>and I can kind of go move around how I

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<v Speaker 4>want to. But it's just like I'm set up to

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<v Speaker 4>the point where now I can pull equity out of

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<v Speaker 4>my properties, not ConA set me up to the point

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<v Speaker 4>in the beginning on my first deal. We ain't even

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<v Speaker 4>talk about this yet, but my first deal was immaculate.

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<v Speaker 4>I got a four unit property I moved in, so

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<v Speaker 4>I lived for free, all three units. You know what

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

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<v Speaker 4>any money down. I walked away from the clothing table

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<v Speaker 4>with a five thousand dollars check. That same day, I

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<v Speaker 4>got paid from my job. In addition to I kept

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<v Speaker 4>all of my money because I was going through the

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<v Speaker 4>process and they required me to keep saving. So that

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<v Speaker 4>ten thousand turned into fifteen thousand. So I went from

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<v Speaker 4>making about twenty six thousand dollars a year at my

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<v Speaker 4>job to having twenty six thousand dollars in cash in

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<v Speaker 4>my account after my first deal, which allowed me to

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<v Speaker 4>go start investing in the stock market, you know what

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<v Speaker 4>I mean, doing more deals, traveling network and building business,

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<v Speaker 4>meeting guys like y'all.

0:10:32.040 --> 0:10:33.880
<v Speaker 5>And that just came from that first deal.

0:10:33.880 --> 0:10:35.520
<v Speaker 4>And this is why I try to encourage people to

0:10:35.520 --> 0:10:38.520
<v Speaker 4>go through NAKA, because they set you up so beautifully.

0:10:38.640 --> 0:10:40.800
<v Speaker 4>After the deal, it's like, damn, I still got all

0:10:40.880 --> 0:10:42.840
<v Speaker 4>this money left. The average person, they out of what

0:10:43.040 --> 0:10:45.920
<v Speaker 4>ten fifteen twenty thousand dollars on the deal with Faha.

0:10:46.400 --> 0:10:48.800
<v Speaker 4>You know what I'm saying, It's not that with Naka. Yeah,

0:10:48.800 --> 0:10:50.600
<v Speaker 4>I had to spend Actually I didn't spend nothing. But

0:10:50.600 --> 0:10:51.959
<v Speaker 4>you may have to spend a little money, like I said,

0:10:51.960 --> 0:10:54.559
<v Speaker 4>your taxes, insurance and little stuff like that. But man,

0:10:54.600 --> 0:10:56.559
<v Speaker 4>it's nowhere near the same. It's what a convention to

0:10:56.600 --> 0:11:00.800
<v Speaker 4>with Faha.

0:11:03.559 --> 0:11:07.240
<v Speaker 1>An illegal alien from Guatemala charged with raping a child

0:11:07.280 --> 0:11:11.079
<v Speaker 1>in Massachusetts. An MS thirteen gang member from Al Salvador

0:11:11.320 --> 0:11:15.440
<v Speaker 1>accused of murdering a Texas man of Venezuelan charged with

0:11:15.520 --> 0:11:19.400
<v Speaker 1>filming and selling child pornography in Michigan. These are just

0:11:19.520 --> 0:11:23.280
<v Speaker 1>some of the heinous migrant criminals caught because of President

0:11:23.320 --> 0:11:26.840
<v Speaker 1>Donald J. Trump's leadership. I'm Christy Noman, the United States

0:11:26.920 --> 0:11:31.720
<v Speaker 1>Secretary of Homeland Security. Under President Trump, attempted illegal border

0:11:31.720 --> 0:11:35.280
<v Speaker 1>crossings are at the lowest levels ever recorded, and over

0:11:35.360 --> 0:11:37.600
<v Speaker 1>one hundred thousand illegal aliens.

0:11:37.160 --> 0:11:38.000
<v Speaker 2>Have been arrested.

0:11:38.280 --> 0:11:41.800
<v Speaker 1>If you are here illegally, your next you will be

0:11:41.880 --> 0:11:45.760
<v Speaker 1>fined nearly one thousand dollars a day, imprisoned, and deported.

0:11:46.200 --> 0:11:49.439
<v Speaker 1>You will never return. But if you register using our

0:11:49.480 --> 0:11:52.679
<v Speaker 1>CBP home app and leave now, you could be allowed

0:11:52.720 --> 0:11:57.280
<v Speaker 1>to return legally. Do what's right. Leave now. Under President

0:11:57.320 --> 0:12:01.400
<v Speaker 1>Trump America's laws, Border and fam families will be protected.

0:12:01.520 --> 0:12:03.640
<v Speaker 2>Sponsored by the United States Department of Homeland Security,