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Speaker 1: Earners. What's up.

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Speaker 2: You ever walk into a small business and everything just

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Speaker 2: tipping is a breeze, and you're out the door before

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Speaker 2: one simple system. If you're a business owner or even

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Speaker 2: just thinking about launching something soon, Square is hands down

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Speaker 2: you time back so you can focus.

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Speaker 1: On what matters most Ready.

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Speaker 2: pushing your vision forward. This episode is brought to you

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Speaker 2: by P and C Bank, a lot of people think

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Speaker 2: podcasts about work are boring, and sure they definitely can be,

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Speaker 2: but understanding of professional's routine shows us how they achieve

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Speaker 2: banking with P and C Bank. It might seem boring

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Speaker 2: P and C Bank National Association Member FDIC.

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Speaker 1: Real question, if you're a beginning investor you want to

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Speaker 1: invest in real estate, what's your framework for what to

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Speaker 1: look for in a property or multi family to invest

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Speaker 1: in a lot of this stuff is regional, so the

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Speaker 1: advice would be regional if you are serious, Like if

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Speaker 1: you are a real serious want to be real estate investor,

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Speaker 1: it's a few things that you have to You have

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Speaker 1: to first be in a mindset to be an investor,

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Speaker 1: So stay away from the cars. Like I see a

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Speaker 1: lot of people, we hear all the stuff about yo.

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Speaker 1: I had a seven eighty credit score and I made

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Speaker 1: one hundred and fifty thousand dollars and I couldn't secure

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Speaker 1: a mortgage. Yo, it's racism. And it's like, nah, it's

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Speaker 1: not racism. You spend too much money. You might make

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Speaker 1: two fifty, you might make three hundred, but your bills

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Speaker 1: are up here, you know what I'm saying. Like you

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Speaker 1: got two benzes, you got a g wagon, your wife

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Speaker 1: got a car, like all of those things when you

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Speaker 1: want to be a real investor. In my opinion, real

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Speaker 1: estate investing is not hard. The concepts are simple. You

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Speaker 1: know what a hard part is most of us are

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Speaker 1: not disciplined. When you really want to start saving money,

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Speaker 1: most of us can't. We can't stop going on vacation,

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Speaker 1: we can't stop buying frivolous things, we can't stop buying

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Speaker 1: depreciating assets, and so that it's a counterpro counterproductive thing

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Speaker 1: when you really want to be an investor, like we'll

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Speaker 1: go buy a car six months before you're trying to

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Speaker 1: buy a house. It doesn't make sense. It messes up

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Speaker 1: your ratios. It's just a bunch of things. But as

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Speaker 1: I was saying, it's regional. Real estate is regional. So

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Speaker 1: if I was a beginning real estate investor. If I

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Speaker 1: could advise somebody, I live in New Jersey. We all

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Speaker 1: are well shoddy and Troit, we're all from the trial state.

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Speaker 1: I would advise anybody to start in the multifamilies. The

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Speaker 1: multifamilies are great with leveraging expenses. So if you have

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Speaker 1: a four family, let's just hypothetic, give an example. You

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Speaker 1: can buy four family four million dollars, you get three rents.

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Speaker 1: You get what I'm saying. So, and what the mortgage

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Speaker 1: companies will do is they'll take those three rents that

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Speaker 1: you are gonna acquire once you purchase the property, they

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Speaker 1: add that to whatever your current salary is and they

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Speaker 1: combine them, and that is what they get to qualify you.

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Speaker 1: So if you have a million dollar property and you're

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Speaker 1: getting four thousand dollars a month, right, that's twelve grand,

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Speaker 1: they take eighty percent of that, They add that to

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Speaker 1: your salary and they use that to qualify you. But

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Speaker 1: in many instances, when you pick up that piece of property,

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Speaker 1: you can live in that fourth unit rent free. You

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Speaker 1: know what I'm saying, Like the contingent plum with the

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Speaker 1: rents already in real estate investor, you make I don't know,

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Speaker 1: eighty ninety grand, one hundred grand, Go find a multifamily.

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Speaker 1: What happens is our egos start to get into play.

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Speaker 1: Like I've had people say I don't want to live

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Speaker 1: with anybody, and it's like, you live with people. Now

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Speaker 1: you live in an apartment. Now it's somebody right next

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Speaker 1: door to you, it's somebody above you, it's somebody below you.

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Speaker 1: So you're already living in somebody else's property. Now, why

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Speaker 1: not living your own? Why not reap the tax benefits

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Speaker 1: from the depreciation in the rental real estate stuff that

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Speaker 1: you're going to acquire that you don't get. Now, Uncle

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Speaker 1: Sam is kicking your ass. You're an RN, You're doing

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Speaker 1: mad overtime. Uncle Sam is taking all your money. A

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Speaker 1: lot of that stuff is mental when it comes to

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Speaker 1: investing in real estate. You got to change your mindset

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Speaker 1: and say, hey, this is what I want to do.

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Speaker 1: I want to be an investor. I'm gonna get a

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Speaker 1: four family, I'll live in it for a year. I'll

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Speaker 1: take advantage of my FAHA benefits where I only got

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Speaker 1: to put three and a half percent down as opposed

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Speaker 1: to the twenty, and then next year I could use

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Speaker 1: my faha again and go maybe get a single family

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Speaker 1: or get a duplex. You know what I'm saying, Like,

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Speaker 1: there are things that you could take advantage of that

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Speaker 1: are just offered out here that most people don't know.

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Speaker 1: You got to learn to educate yourself too, But ask people.

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Speaker 1: I think that you know, especially with what you guys

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Speaker 1: are doing, what some of the other people are doing

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Speaker 1: in the space. Knowledge that I didn't have twenty years

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Speaker 1: ago is everywhere. Like when I started twenty years ago, Dog,

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Speaker 1: I was reading everything on Google, you know what I'm saying.

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Speaker 1: I was getting all my information from Google. And that's

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Speaker 1: how I started jumping off the bledge with no parachute,

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Speaker 1: just you know, learning on your way down.

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Speaker 3: So I've always heard that, you know, contractors use money

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Speaker 3: from new jobs to pay for old jobs, right, and

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Speaker 3: so I'm interested to hear from a contract that his

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Speaker 3: perspective on that, and then also what is recommended the

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Speaker 3: positive amounts that you should give to a car. I've

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Speaker 3: also been educated that you should never give a contract

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Speaker 3: a full amount. You're paying stages or is it like

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Speaker 3: you pay ten percent, you pay when it's completed. How

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Speaker 3: do you go about actually.

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Speaker 1: You know, doing that? It depends on the scale of

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Speaker 1: the job, right, or the scale I mean the scope

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Speaker 1: of the project. So New Jersey state laws, a contractor

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Speaker 1: cannot demand more than third by law. Now, if we

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Speaker 1: agree to hey, I need fifty percent down, and it's

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Speaker 1: okay with you, then that's fine. Like the terms are

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Speaker 1: the terms. Whatever we agree upon contractually are the terms.

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Speaker 1: But I recommend never giving anybody all of the money.

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Speaker 1: You need to have leverage. So if I'm going to

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Speaker 1: build a house for Shati and he gives me eighty

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Speaker 1: percent of the money, what leverage do you now have?

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Speaker 1: You get what I'm saying, Like I got eighty percent

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Speaker 1: of the bread, I could run off sue me. I

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Speaker 1: could pull a Donald Trump sue me. Okay, what I'm

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Speaker 1: saying you literally have no leverage. Once you give somebody

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Speaker 1: the lion's share of the money, what ensures that you're

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Speaker 1: going to get the work done.

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Speaker 3: But we have what we have a week with the

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Speaker 3: thing that we're doing is construction loan, and they have

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Speaker 3: a draw sheet, so it's like, Okay, the flooring is

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Speaker 3: twenty thousand, and then the inspector comes. They have to

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Speaker 3: make sure the flowing was done correctly. Then they get paid,

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Speaker 3: and then you know, the sink is ten thousand, they

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Speaker 3: have to make sure they sink. So it's like eighteen

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Speaker 3: different things that have to be put in place.

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Speaker 1: Completion.

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Speaker 3: Yeah, so I mean that's done because the bank. But

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Speaker 3: that's probably good. Even if you're not using bank money,

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Speaker 3: you can still probably use that same thing, right, like

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Speaker 3: a schedule of things that have to be done, and

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Speaker 3: then as each one gets done, then you get paid.

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Speaker 3: The problem is that a lot of contractors want to

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Speaker 3: get paid before they do the work, not after the

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Speaker 3: work is completed.

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Speaker 1: So again, let's say hypothetically, I'll come out and I'll

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Speaker 1: do your project. Right, it's electrical, it's plumbing, it's framing,

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Speaker 1: its roofing, it's sidings, it's many different moving parts all

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Speaker 1: at one time. So I might ask let's say the

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Speaker 1: project is three hundred grand, just for round numbers, I

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Speaker 1: might ask you for especially if I'm responsible for buying material.

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Speaker 1: That's the thing too. You'll be responsible for buying material.

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Speaker 1: Then the contractor has to also maintain a certain level

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Speaker 1: of leveraging protection for himself. I'm not gonna just go

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Speaker 1: out and buy twenty thousand dollars worth of material start

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Speaker 1: this work. Out of my pocket, because there's just as

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Speaker 1: many contractors are still money, there's as many homeowners that's

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Speaker 1: still money. You get what I'm saying, Like, people owe

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Speaker 1: me money to this day that I doubt I'll ever get.

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Speaker 1: So it just has to be a rapport. If I'm

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Speaker 1: doing a job for you in this three hundred grand,

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Speaker 1: I'm not gonna ask you for three hundred grand. I

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Speaker 1: just think that's asinine. But I might ask you for sixty, right,

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Speaker 1: I might ask you for seventy grand, And then you'll

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Speaker 1: see me working. You'll see me working. And then also,

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Speaker 1: if you're building a house, or if you own a

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Speaker 1: house and you're renovating a house, start familiarizing yourself with

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Speaker 1: some of the terms, start familiarizing yourself with some of

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Speaker 1: the materials. Designing the house is fun, it's dope. So

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Speaker 1: you and your wife might stay at home depot picking

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Speaker 1: out this, picking out that, picking out this. You start

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Speaker 1: to see, Okay, this tile right here is three dollars

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Speaker 1: a square it's seventeen dollars a square foot. You get

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Speaker 1: what I'm saying. So a lot of times homeowners might

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Speaker 1: want the best stuff that's not in your budget, that's

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Speaker 1: not in your budget. So, and like when I write

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Speaker 1: out of contract, my contracts is are fives is six

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Speaker 1: pages long. A lot of contractors I see might be

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Speaker 1: for three hundred grand, it'll say floring twenty seven thousand dollars.

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Speaker 1: You haven't described what type of flooring is? Three quarter hardwood?

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Speaker 1: Is it? Luxury? Vinyl? Toiel is it? You get what

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Speaker 1: I'm saying. So all of those things are needed in

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Speaker 1: a contract, like because somebody can say flooring, you signed here,

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Speaker 1: flooring twenty seven grand. They didn't specify what type of florin.

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Speaker 1: They didn't say this, They didn't save that. You know

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Speaker 1: what I'm saying. So I put a cap on a

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Speaker 1: tile amounts, I put a cat on certain stuff. Anything

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Speaker 1: that is over seven dollars a square foot you got

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Speaker 1: to pay out of pocket. I'm not gonna buy twenty

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Speaker 1: dollars a square foot tile for you, and then I

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Speaker 1: don't make any money off your bats. That's not gonna happen.

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Speaker 1: You get what I'm saying. So the particulars need to

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Speaker 1: be kind of ironed out. And if you're new to this,

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Speaker 1: you may not have much experience in ironing out the particulars,

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Speaker 1: but you gotta start reading. You gotta start asking questions.

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Speaker 1: A lot of this stuff is scary, so I think

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Speaker 1: educating yourself is paramount because you may not know what

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Speaker 1: you're doing. But get as much education from Google, get

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Speaker 1: as much education now from these websites as possible. It'll

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Speaker 1: walk you through some of the unanswered questions.

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Speaker 4: An illegal alien from Guatemala charged with raping a child

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Speaker 4: in Massachusetts. An MS thirteen gang member from El Salvador

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Speaker 4: accused of murdering a Texas man of Venezuelan charged with

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Speaker 4: filming and selling child pornography in Michigan. These are just

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Speaker 4: some of the heinous migrant criminals caught because of President

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Speaker 4: Donald J. Trump's leadership. I'm Christy nom the United States

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Speaker 4: Secretary of Homeland Security. Under President Trump, attempted illegal border

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Speaker 4: crossings are at the lowest levels ever recorded, and over

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Speaker 4: one hundred thousand illegal aliens have been arrested. If you

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Speaker 4: are here illegally, your next you will be fine nearly

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Speaker 4: one thousand dollars a day, imprisoned and deported, you will

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Speaker 4: never return. But if you register using our CBP home

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Speaker 4: app and leave now, you could be allowed to return legally.

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Speaker 4: Do what's right. Leave now. Under President Trump America's laws,

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Speaker 4: border and families will be protected.

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Speaker 1: Sponsored by the United States Department of Homeland Security,