WEBVTT - EYL #234 How to Buy a Home With No Down Payment & No Closing Costs, The NACA Program Explained 0:00:00.120 --> 0:00:01.720 The time is come, ladies and gentlemen. 0:00:01.800 --> 0:00:03.480 Invest Fest. That's right, that's right. 0:00:03.560 --> 0:00:06.000 Invest Best twenty twenty three is here. 0:00:06.000 --> 0:00:09.640 August twenty fifth, twenty six, and twenty seventh in Atlanta, Georgia. 0:00:09.720 --> 0:00:12.040 We are taking into a new level, bigger than ever. 0:00:12.160 --> 0:00:16.919 This year we're gonna do twenty thousand people in Atlanta, Georgia. 0:00:17.200 --> 0:00:19.000 I want you to do yourself a favor. Head over 0:00:19.040 --> 0:00:20.680 to investmst dot com right now. 0:00:20.760 --> 0:00:24.600 We will have activations for on Friday, Saturday and Sunday, 0:00:24.800 --> 0:00:29.000 three days, musical performances, billionaires. Everything is going to be 0:00:29.040 --> 0:00:34.600 a completely life changing experience. Vendor, marketplace, food, truck village. 0:00:34.640 --> 0:00:35.080 You know how we do. 0:00:35.320 --> 0:00:37.040 Don't wait, don't hesitate that over now. 0:00:37.159 --> 0:00:39.040 If you can pay rent, you can pay a mortgage 0:00:39.080 --> 0:00:40.920 because most of the time the rent is higher. 0:00:41.520 --> 0:00:41.920 Oh yeah. 0:00:41.960 --> 0:00:44.159 The problem that stops people from buying a home is 0:00:44.159 --> 0:00:46.879 a down payment. So the dollars, you know that, but 0:00:46.920 --> 0:00:49.120 it's like the down payment. So it's like if you're 0:00:49.159 --> 0:00:52.200 living in the Bronx, you might be paying nineteen hundred 0:00:52.240 --> 0:00:55.520 dollars a month for a one bedroom and not a 0:00:55.560 --> 0:00:57.760 great neighborhood. Yep, you can, you can. 0:00:57.880 --> 0:01:00.000 You can go by care forty in that same neighborhood. 0:01:00.040 --> 0:01:03.840 What'll stopping you fifty thousand dollars sixty thousand down payment. 0:01:04.360 --> 0:01:06.960 So that's what stops a lot of people from ever 0:01:07.120 --> 0:01:09.520 buying a home, and they just stay on the on 0:01:09.560 --> 0:01:14.240 the rent path. Rent comment to this is something that 0:01:14.280 --> 0:01:16.199 people don't fully understand. Rent's not cheap. 0:01:18.160 --> 0:01:23.680 My graduates from my school being forced back drop b drop. 0:01:24.040 --> 0:01:26.479 Mike, drop back drop drop. 0:01:36.959 --> 0:01:41.399 All right, guys, welcome back, eyl. We back back in 0:01:41.440 --> 0:01:44.720 the lab. So this is gonna be one of those 0:01:44.760 --> 0:01:48.600 episodes that people love from us from the beginning. You know, 0:01:48.840 --> 0:01:52.240 it's great. We've been all around the world. We've been 0:01:52.240 --> 0:01:55.560 talking to billionaires and you know, having high level conversation 0:01:55.640 --> 0:01:59.480 stuff like that. But the most useful information has always 0:01:59.480 --> 0:02:02.760 been the practical day to day stuff that the everyday 0:02:02.800 --> 0:02:06.960 person can go out tomorrow and execute in their real life. 0:02:06.960 --> 0:02:10.400 Whether it's how to open how to open a brokera account, 0:02:10.639 --> 0:02:13.200 to buy stocks, how to start a five to twenty 0:02:13.280 --> 0:02:15.800 nine plan, to save money for your kid, how to 0:02:16.200 --> 0:02:18.960 you know, get a mobile home, how to get a 0:02:19.040 --> 0:02:25.040 vending machine. All of those type of niche niche episodes 0:02:25.120 --> 0:02:28.240 have always done well. So we talk about real estate 0:02:28.320 --> 0:02:30.960 so much. We talk about real estate a lot, but 0:02:31.880 --> 0:02:34.240 this is a topic that we really haven't talked about 0:02:34.280 --> 0:02:38.280 in depth. So there's a KNAKA program in a c 0:02:38.520 --> 0:02:40.240 A knacka. 0:02:39.960 --> 0:02:44.000 Nonprofit community advocacy and home ownership organization for those. 0:02:43.880 --> 0:02:48.000 Not KNAKA is a program that allows first time home 0:02:48.040 --> 0:02:51.600 buyers to get a home. And there's a lot of 0:02:51.639 --> 0:02:54.960 benefits as far as the down payment. There is no 0:02:55.000 --> 0:02:55.760 down payment. 0:02:55.560 --> 0:02:57.399 Right there, that's one of the benefits. 0:02:57.760 --> 0:03:00.600 There's a variety of difference. What's some of the benefits. 0:03:00.680 --> 0:03:04.160 So we got no down payment, credit score can be 0:03:04.200 --> 0:03:08.720 as low as six twenty, closing costs none. 0:03:09.160 --> 0:03:11.600 You get the lowest interest rate in the country, regardless 0:03:11.600 --> 0:03:13.320 of your credit score, with the option to buy it 0:03:13.400 --> 0:03:14.000 down lower. 0:03:14.720 --> 0:03:18.320 I mean those benefits right there charge a lot a lot. Yeah, 0:03:18.320 --> 0:03:21.440 this is one of those information on us. Application will 0:03:21.480 --> 0:03:21.720 be on. 0:03:22.040 --> 0:03:24.280 So KNAKA is a program that allows you to buy 0:03:24.280 --> 0:03:27.119 a home the lowest cost possible. Let's just say that. 0:03:27.560 --> 0:03:31.639 And uh, traveling around, we always meet great people. So 0:03:31.960 --> 0:03:34.040 we met I'm not showing we met a while ago. 0:03:34.160 --> 0:03:35.480 We met in Atlanta the first time. 0:03:35.520 --> 0:03:39.040 That was the first time I met y'all at MGHTS 0:03:39.080 --> 0:03:39.840 and Gyms episode. 0:03:40.040 --> 0:03:41.920 Yes, yes, my guy in the room with y'all. 0:03:41.920 --> 0:03:45.920 We did a club house before together and then I 0:03:46.000 --> 0:03:49.640 met y'all again when y'all came to Chicago and me 0:03:49.680 --> 0:03:51.800 and you got to spend some time on the boat 0:03:51.840 --> 0:03:54.400 and that was that was the boat. 0:03:54.200 --> 0:03:54.560 On the river. 0:03:55.200 --> 0:03:58.280 That was a nice nice pulled up to the steakhouse. 0:03:58.440 --> 0:04:03.560 Yeah yeah, yeah, the boat Chicago twist, and I know 0:04:03.640 --> 0:04:06.800 I hear about Chicago, but yeah, we kicked it like 0:04:06.840 --> 0:04:08.640 real players when y'all came fire. 0:04:08.960 --> 0:04:09.880 That was definitely a moment. 0:04:09.960 --> 0:04:12.440 Shout out to we coming back to Chicago for market Monday. 0:04:12.440 --> 0:04:13.920 Oh yeah, I can't wait for that. I saw y'all 0:04:13.960 --> 0:04:15.520 in the world too, the one. 0:04:15.720 --> 0:04:17.400 To be one of the ones very intentionally to chow 0:04:17.480 --> 0:04:18.120 Chicago as. 0:04:18.200 --> 0:04:22.520 They So yeah, so we met Dre. So Dre has 0:04:22.560 --> 0:04:25.880 become the online leader when it comes to speaking about 0:04:25.960 --> 0:04:28.599 NAKA from firsthand experience. And this is why I like 0:04:28.640 --> 0:04:30.760 to interview people like this as well, because it's one 0:04:30.760 --> 0:04:33.039 thing to have somebody from the program speak about it, 0:04:33.080 --> 0:04:35.680 but it's always beneficial from somebody that actually just went 0:04:35.720 --> 0:04:39.640 through the program himself and had success. So he actually 0:04:39.680 --> 0:04:43.400 went through the program, has success with the program, and 0:04:43.480 --> 0:04:46.520 now he's an advocate for the program, and you know, 0:04:46.720 --> 0:04:52.520 he teaches people and provides information about best practices on 0:04:52.839 --> 0:04:56.279 how you can utilize the program so you can become 0:04:56.279 --> 0:04:59.760 a homeowner. So yeah, first he had experience. Is not 0:04:59.800 --> 0:05:02.440 like something somebody like, you know, teaching out of a textbook. 0:05:02.480 --> 0:05:04.920 It's like the real life. This is what I did. 0:05:04.960 --> 0:05:07.080 There's some mistakes that I made. This is things that 0:05:07.120 --> 0:05:10.040 I did that you know, you should learn about, and 0:05:10.920 --> 0:05:12.640 it's something that you know a lot of people have 0:05:12.760 --> 0:05:14.280 been able to gain help from. 0:05:14.400 --> 0:05:16.800 Yeah, it's one of those things. And like if you've 0:05:16.800 --> 0:05:19.039 been in the real estate space, a lot of loan 0:05:19.080 --> 0:05:21.520 officers don't know as much information as the people who 0:05:21.560 --> 0:05:24.039 are actually going through it. So in order to you know, 0:05:24.200 --> 0:05:26.880 understand it, going through the trials is part of it. 0:05:26.920 --> 0:05:30.920 So I'm sure that you're educating loan offices and people progress. 0:05:31.000 --> 0:05:35.000 Agents because everybody, because it's a man a program, is 0:05:35.040 --> 0:05:37.120 so little known and I feel like a program like 0:05:37.120 --> 0:05:39.320 this will just be known across the nation, just like 0:05:39.400 --> 0:05:41.960 by everybody. But now is also a non for profit, 0:05:42.000 --> 0:05:44.440 so they don't do any marketing. That's why they have 0:05:44.600 --> 0:05:47.240 a clause in their program that once you go through 0:05:47.279 --> 0:05:48.440 the program, you know what I mean, you kind of 0:05:48.440 --> 0:05:50.159 got to advocate for the program because they don't have 0:05:50.200 --> 0:05:51.960 marketing dollars, so you have to go out and tell 0:05:52.000 --> 0:05:52.960 people about the program. 0:05:53.000 --> 0:05:54.880 And at this point, I've become. 0:05:54.640 --> 0:05:58.279 Like their biggest You're doing your due diligence way more 0:05:58.320 --> 0:05:59.320 than my due diligence. 0:06:00.400 --> 0:06:01.200 Yeah. 0:06:01.320 --> 0:06:03.640 So, first and foremost, thank you for joining us, and 0:06:03.640 --> 0:06:05.640 I appreciate you all having me on. Y'all know this honor. 0:06:05.680 --> 0:06:07.279 I tell people all the time, like, man. 0:06:07.200 --> 0:06:10.279 These brothers interview billionaires on the regular and I'm just 0:06:10.320 --> 0:06:13.080 a south Side kid from Chicago to projects and here 0:06:13.120 --> 0:06:14.000 I am. 0:06:14.160 --> 0:06:14.760 Man, look at. 0:06:14.720 --> 0:06:22.520 God crazy, Yes, eyl, He's worthy of all things. 0:06:24.120 --> 0:06:27.560 Yes. So all right, so let's get into this. Where 0:06:27.560 --> 0:06:31.080 does this all start? You from Chicago, right, used to 0:06:31.120 --> 0:06:32.359 play basketball? 0:06:32.560 --> 0:06:35.240 So no, I didn't play basketball, just hung around about 0:06:35.279 --> 0:06:37.320 my friends there. So I'm from the South Side, Cargo 0:06:37.320 --> 0:06:39.720 to Ida b Wells projects. I didn't grow up with 0:06:39.880 --> 0:06:44.600 any financial literacy, man EBT, Section eight, government assistant everything. 0:06:45.520 --> 0:06:48.680 In the late eighties and early nineties, my projects, just 0:06:48.720 --> 0:06:51.479 like probably a lot of everybody's projects, were hit extremely 0:06:51.520 --> 0:06:53.760 hard by the drug epidemic. My mom and dad were 0:06:53.760 --> 0:06:56.240 affected by that. I ended up being adopted into my 0:06:56.279 --> 0:06:58.160 own family by my aunt. Thank god, I didn't have 0:06:58.200 --> 0:06:59.680 to go through the system or any of that kind 0:06:59.680 --> 0:07:03.080 of stuff. So I moved out to the suburb called Maywood, 0:07:03.279 --> 0:07:05.560 and there I went to a high school called Proviso 0:07:05.560 --> 0:07:08.920 East High School, and Proviso East is essentially a basketball factory. 0:07:09.200 --> 0:07:13.760 Michael Finley, Doc River, Steve Hunter, Shannon Brown, d Brown, 0:07:13.840 --> 0:07:16.520 Sterling Brown is just like an unlimited amount of NBA 0:07:16.600 --> 0:07:19.520 players that come out of this school. Just even now, 0:07:19.560 --> 0:07:21.280 we still got a bunch of players in the league. 0:07:21.720 --> 0:07:23.920 And me moving out there. 0:07:24.080 --> 0:07:26.120 I went to this school and I used to rap, 0:07:26.280 --> 0:07:28.720 and you know, sports in rap go hand in hand. 0:07:29.120 --> 0:07:31.040 And I was just like, you know, this dude went 0:07:31.040 --> 0:07:33.840 around the school battling everybody, beating everybody in rap battles 0:07:33.840 --> 0:07:36.040 and all that. And of course to start basketball players, 0:07:36.160 --> 0:07:38.040 it's like, yo, what's good, bro, We love what you're 0:07:38.040 --> 0:07:39.640 doing or whatever. So we would link up, you know, 0:07:39.720 --> 0:07:42.120 I pick up games and all that. But I realized 0:07:42.160 --> 0:07:44.080 I wasn't nowhere near as good as these guys like 0:07:44.120 --> 0:07:46.400 they like, you know, like they got Coach k and 0:07:46.440 --> 0:07:48.920 Tom Izzo come in the city, stands to watch them. Like, 0:07:48.960 --> 0:07:50.760 mind you, d you went to University of Illinois and 0:07:50.760 --> 0:07:53.280 Shannel went to Michigan State, Bill self and Tom Izzo, 0:07:53.400 --> 0:07:54.600 two of the greatest college. 0:07:54.360 --> 0:07:55.680 Coaches ever, you know what I'm saying. 0:07:55.880 --> 0:07:58.520 So these were like people that were coming to my school, 0:07:58.600 --> 0:08:01.480 and like I got exposed early, mind you ding Shannon 0:08:01.560 --> 0:08:05.440 with both all Americans too, So like we would hang 0:08:05.480 --> 0:08:08.280 out with people like Lebron James before Lebron was Lebron, 0:08:08.320 --> 0:08:10.400 Like we'd be playing Madden and Shannon crib and stuff 0:08:10.440 --> 0:08:13.280 like that. So I got exposure really really early to 0:08:13.360 --> 0:08:13.760 a lot. 0:08:13.600 --> 0:08:16.360 Of dope stuff. Even though my mindset wasn't quite there. 0:08:16.520 --> 0:08:19.600 God started showing me a lot really really early, Like yo, Like, 0:08:19.800 --> 0:08:22.040 I'm putting you in these rooms and around these specific 0:08:22.080 --> 0:08:24.560 people for specific reasons, and I need you to know, 0:08:24.920 --> 0:08:27.679 regardless of what your circumstances are or where you're from, 0:08:28.040 --> 0:08:30.320 you wanted them dudes, And I didn't realize that for 0:08:30.360 --> 0:08:32.880 a very very long time. And those relationships kind of 0:08:32.880 --> 0:08:34.280 cultivated that mindset for me. 0:08:34.360 --> 0:08:34.560 Man. 0:08:35.360 --> 0:08:39.880 So at what point do you get into real estate? 0:08:40.960 --> 0:08:43.120 What point do you even have the aspiration to buy 0:08:43.160 --> 0:08:44.800 a home, Because, like you said, a lot of times 0:08:44.840 --> 0:08:47.520 people come from an environment where buying a home it's 0:08:47.520 --> 0:08:49.319 not even something that's even a goal for. 0:08:49.320 --> 0:08:50.320 Them, wasn't a goal at all. 0:08:50.440 --> 0:08:52.600 So initially, like I said, I was chasing rap like 0:08:52.600 --> 0:08:54.120 I was trying to do music. So one of my 0:08:54.160 --> 0:08:56.520 other homies, Coachline on the Beat, he's a producer. He 0:08:56.600 --> 0:09:00.320 sold over forty million records worldwide. Yeah, Rihanna, Burt Thay 0:09:00.320 --> 0:09:04.360 Cake as Big Sean Anaconda, Nicki Minaj, Justin Bieber, He's 0:09:04.400 --> 0:09:07.000 done so many records. 0:09:06.000 --> 0:09:09.319 And he was and he was my producer. 0:09:09.559 --> 0:09:12.000 And I'm meeting with labels, I'm opening up shows for 0:09:12.120 --> 0:09:14.679 Fat Joe, Young Jock when he popping, you know what 0:09:14.679 --> 0:09:16.640 I'm saying, sitting next to jay Z and Beyonce at 0:09:16.679 --> 0:09:18.680 the Final four games. And when I tell y'all, this 0:09:18.720 --> 0:09:21.960 shit would not break for me, like nobody would sign me, 0:09:22.200 --> 0:09:24.520 Like it just would not happen for whatever the reason. 0:09:24.600 --> 0:09:27.240 So after a while I realized, bro like your life 0:09:27.360 --> 0:09:30.199 is a facade, Like you're not who you say you are. 0:09:30.240 --> 0:09:33.720 You're not this imagery putting out there. You're doing music videos, 0:09:33.720 --> 0:09:35.760 you hanging out with millionaires, which is cool, but you 0:09:35.960 --> 0:09:38.680 dead as broke though, Like you got eviction notices on 0:09:38.720 --> 0:09:40.840 your door, you have children that you're not taking care 0:09:40.880 --> 0:09:42.960 of all of these things. So I have to really 0:09:42.960 --> 0:09:44.840 have a like you know, sitting down with myself and 0:09:44.920 --> 0:09:47.320 just be like all right, like you gotta do something different. 0:09:47.360 --> 0:09:50.240 So I stepped away from music, and I wouldn't have 0:09:50.280 --> 0:09:52.080 got me a job at a telemarketing company. 0:09:52.080 --> 0:09:53.880 Bro Like just like the worst of the worst. 0:09:54.040 --> 0:09:56.719 I'm calling people like putting him in schools like the 0:09:56.880 --> 0:09:59.680 Ride University, like Everest, Like you know what I'm saying, 0:10:00.000 --> 0:10:02.080 I'm really selling this ship though, like mind you, Like 0:10:02.120 --> 0:10:05.439 I'm like I'm in the office killing like top salesmen 0:10:05.559 --> 0:10:08.560 everything whole time. I'm knowing I'm just ruining people's lives, 0:10:08.640 --> 0:10:09.480 like you know what I'm saying. 0:10:09.480 --> 0:10:11.120 But it's a job. It's pays. 0:10:11.280 --> 0:10:13.800 What's that what's that experience? Like though? Right like to 0:10:13.960 --> 0:10:16.000 like I'm saying the story. 0:10:15.960 --> 0:10:16.319 I'm just. 0:10:18.640 --> 0:10:18.720 You. 0:10:18.760 --> 0:10:21.240 I go from here and to look, it was a 0:10:21.280 --> 0:10:23.520 time where I was I was like, I mean Kobe 0:10:23.520 --> 0:10:25.199 Bryant Shanna play for the Lakers one back to back 0:10:25.240 --> 0:10:27.800 championship with Kobe Mary Monica, Like I'm a part of 0:10:27.840 --> 0:10:28.120 all of. 0:10:28.040 --> 0:10:28.600 This kind of shit. 0:10:29.000 --> 0:10:32.800 I go from here to here, like and I'm just 0:10:32.800 --> 0:10:37.960 in this cubicle life, like. 0:10:39.000 --> 0:10:41.920 What is happening in my life right now? Mind you? 0:10:42.080 --> 0:10:45.360 Like I'm around people that are just getting out of jail, 0:10:45.679 --> 0:10:48.120 like you know what I'm saying, women that got you know, 0:10:48.240 --> 0:10:50.920 three four kids like people like that. I grew up 0:10:50.960 --> 0:10:53.440 around Section e EBT and I don't judge any of this, 0:10:53.840 --> 0:10:55.959 but this is just not the mindset that I had 0:10:56.000 --> 0:10:58.079 and to trying to get sucked back into this environment 0:10:58.120 --> 0:10:59.760 after like coming out of this environment. 0:10:59.760 --> 0:11:02.000 It's like, like what is going on in my life right now? 0:11:02.720 --> 0:11:06.400 So I had to like really just like you know, 0:11:06.720 --> 0:11:09.320 come down, get off my hot horse, and be like, God, 0:11:09.320 --> 0:11:11.960 what are you trying to do for me? And it 0:11:12.080 --> 0:11:13.920 was just he's trying to teach me a lesson, Like bro, 0:11:14.040 --> 0:11:15.679 like you not doing what I called you to do, 0:11:16.040 --> 0:11:17.280 Like you know what I'm saying, Like all of this 0:11:17.360 --> 0:11:20.000 is cool, it sound cool, but this ain't for you. 0:11:20.440 --> 0:11:23.520 And once I realized that, I googled. I started googling 0:11:24.080 --> 0:11:29.080 how do regular nine to fiver s get rich? This 0:11:29.120 --> 0:11:30.760 is my first Google search cause I'm just like I 0:11:30.800 --> 0:11:32.800 can't give up on my dream of getting wealthy because 0:11:33.040 --> 0:11:35.000 I felt like sports and entertainment were it for me? 0:11:35.040 --> 0:11:36.640 Coming from the hood, that's all we know, that's all 0:11:36.640 --> 0:11:39.160 we exposed to, right, And I'm seeing my friends make it. 0:11:39.200 --> 0:11:41.280 I'm seeing my homimaker and music. I'm like, yo, this 0:11:41.440 --> 0:11:43.440 this is my move. But it's just like, no, this 0:11:43.520 --> 0:11:46.600 ain't for you, right. And I kept on coming across 0:11:46.679 --> 0:11:48.800 real estate in the stock market on my Google searches, 0:11:49.120 --> 0:11:50.959 I came across the book RICHI Dad, Poor Dad. 0:11:51.000 --> 0:11:53.440 It was on say Amazon, like four ninety nine. Just 0:11:53.480 --> 0:11:55.120 it ain't gonna hurt me. Let me just buy this book. 0:11:55.520 --> 0:11:58.320 The book came the next day. When I tell y'all, 0:11:58.880 --> 0:11:59.960 I sat in my cubicle. 0:12:00.280 --> 0:12:02.880 I was so locked in because this book just started 0:12:02.920 --> 0:12:06.240 feeding me so much valuable information that I needed, and 0:12:06.280 --> 0:12:08.280 I'm like, Yo, this is what I'm missing this whole time. 0:12:08.320 --> 0:12:11.559 Like a light bulb went off on my head, like assets, reliabilities, 0:12:11.559 --> 0:12:13.280 you know what I mean, taking ownership for your own, 0:12:13.360 --> 0:12:16.080 not letting nobody boss you around like not as all 0:12:16.080 --> 0:12:18.880 of these things. I'm like, Yo, this whole time, I've 0:12:18.920 --> 0:12:20.920 been waiting on other people to do for me when 0:12:20.960 --> 0:12:22.719 I need to be trying to do for myself. These 0:12:22.760 --> 0:12:26.240 relationships have crippled me because I'm looking for my homies 0:12:26.240 --> 0:12:28.080 to put me in position. I'm looking for my homies 0:12:28.120 --> 0:12:29.880 to invest in me. I'm looking for my homies to 0:12:29.920 --> 0:12:32.960 speak for me. And even though they did, that just 0:12:33.120 --> 0:12:35.600 wasn't in God's plans, which is why it didn't work out. 0:12:35.720 --> 0:12:38.079 Like you can have the most biggest and the best 0:12:38.360 --> 0:12:40.640 speaking in vouching for you, if it's not in God's plans, 0:12:40.640 --> 0:12:41.320 it won't ever work. 0:12:41.360 --> 0:12:41.640 You can. 0:12:41.960 --> 0:12:45.000 There are times where you can do absolutely everything right 0:12:45.640 --> 0:12:47.160 and it still won't work out for you. 0:12:47.320 --> 0:12:48.200 And what do you do then? 0:12:48.840 --> 0:12:51.079 And that was my situation because I did everything right. 0:12:51.120 --> 0:12:53.520 I was man going to radio, like you know what 0:12:53.559 --> 0:12:56.400 I'm saying, paying DJ, do everything that you could possibly 0:12:56.400 --> 0:12:58.520 do to be successful in the music industry. Man going 0:12:58.520 --> 0:13:01.319 to the studio, mixing and mastering my records like you 0:13:01.360 --> 0:13:03.360 know what I mean, really putting time, energy and money 0:13:03.360 --> 0:13:04.880 into this, and it just never worked out. 0:13:05.240 --> 0:13:07.040 And that book was just kind of. 0:13:07.040 --> 0:13:10.640 Like just just like a mind explosion just went off, 0:13:10.679 --> 0:13:13.760 like Yo, this is it. So immediately I started saving 0:13:13.800 --> 0:13:16.880 all of my checks. After that book, I read Money 0:13:16.920 --> 0:13:19.800 Master the Game by Tony Robbers. Ian speak on that 0:13:19.840 --> 0:13:22.360 book highly heavily. I do too, cause it like, I say, 0:13:22.480 --> 0:13:24.840 that really got my mind right as far as money, 0:13:25.080 --> 0:13:26.920 Richard dat Porte got my mindset right. 0:13:27.000 --> 0:13:28.199 But money master the game. 0:13:28.640 --> 0:13:30.600 It was just like all right, man, vang art this 0:13:30.880 --> 0:13:33.200 put your money over here, do this save you know 0:13:33.280 --> 0:13:35.800 these many baskets. And it was just like what So 0:13:35.880 --> 0:13:38.440 immediately man started doing full one K because they match. 0:13:38.640 --> 0:13:41.320 Start saving all my bread, stop buying mic start eating 0:13:41.320 --> 0:13:42.160 noodles every day. 0:13:42.240 --> 0:13:44.640 Like bro, like I really just locked in and just 0:13:44.679 --> 0:13:47.880 like sacrifice, stop going outside all the time. Job offering 0:13:47.920 --> 0:13:50.280 overtime to people who were hitting their bonus. I was 0:13:50.320 --> 0:13:52.400 a top producer in the job. I started working fifty 0:13:52.440 --> 0:13:57.000 sixty hours a week. After about a year, I realized, Bro, 0:13:57.080 --> 0:13:59.319 you got like ten grands saved up. You go buy 0:13:59.360 --> 0:14:03.360 your house. So I call a mente, my mentor mind 0:14:03.520 --> 0:14:06.800 a big sister, Keyoko. I met her through shunning relationships. 0:14:06.840 --> 0:14:09.640 You always speak about relationships with Shah, and my relationships 0:14:09.640 --> 0:14:11.520 that I have through my friends who played in the 0:14:11.640 --> 0:14:13.600 NBA have been extremely valuable. 0:14:13.640 --> 0:14:16.360 You know what I'm saying. I call her she's a broker. 0:14:16.440 --> 0:14:18.600 I'm like, hey, Key, I'm ready about how She's like, yeah, 0:14:18.600 --> 0:14:20.560 that sound cool or whatever, But you really need to 0:14:20.560 --> 0:14:22.560 consider getting you a multi unit. You know what I mean, 0:14:22.600 --> 0:14:25.120 because in your situation, you don't want to end up 0:14:25.160 --> 0:14:27.720 stuck having to pay a mortgage and then you stuck 0:14:27.760 --> 0:14:29.640 at that job that you really don't like. You use 0:14:29.720 --> 0:14:31.680 that as a stepping stone to go get you a 0:14:31.760 --> 0:14:34.360 multi unit. To qualify for your multi unit, and you 0:14:34.400 --> 0:14:37.440 go through this program called nack A Neighborhood Assistance Corporations 0:14:37.440 --> 0:14:41.120 of America. They got no money down, no coldes and costs, 0:14:41.320 --> 0:14:43.800 no agent nor attorney fees, dre you off, the lowest 0:14:43.800 --> 0:14:45.600 interest rate in the country, with the option to buy 0:14:45.680 --> 0:14:47.280 down lower, all these different things. 0:14:47.280 --> 0:14:49.520 And I'm like, you lie. She's like, no, I'm not. 0:14:49.600 --> 0:14:51.400 What have I ever lied to you? I'm like, no, 0:14:51.600 --> 0:14:54.480 you haven't. And uh. From there I went and deal, 0:14:54.640 --> 0:14:57.440 she said, and just life life. 0:14:58.840 --> 0:14:59.760 Now you're spokesperson. 0:15:01.480 --> 0:15:03.400 So let's start at the beginning with NAKA. So I 0:15:03.520 --> 0:15:06.400 first been introduced to NAKO in my sister was actually 0:15:06.480 --> 0:15:12.000 going through the program with her late husband at the time, 0:15:12.240 --> 0:15:14.760 and there was like a seminar that they had to 0:15:14.800 --> 0:15:16.520 go through, and I was learning I had never heard 0:15:16.520 --> 0:15:21.080 about the program before that they didn't actually go always 0:15:21.080 --> 0:15:23.000 through with the program, which I find a lot of 0:15:23.000 --> 0:15:26.480 people don't. The retention is so a lot of people 0:15:26.680 --> 0:15:28.760 have criticized NACA because they're like, it's a lot that 0:15:28.800 --> 0:15:32.840 you got to go through. It's very strenuous. So what's 0:15:32.880 --> 0:15:36.240 the first step in the KNACKER process. 0:15:36.000 --> 0:15:37.320 Like you said, going to that meeting. 0:15:37.320 --> 0:15:39.200 It's about three or four hours and that's all over 0:15:39.240 --> 0:15:39.720 the country, right. 0:15:39.840 --> 0:15:42.400 Yeah, they pretty much break down everything, all of the 0:15:42.440 --> 0:15:44.720 benefits of the program, the things that you have to do, 0:15:44.840 --> 0:15:46.920 the rules for the program, things you can't do to 0:15:46.960 --> 0:15:50.880 the program. And yeah, from there, you know, you sign 0:15:50.960 --> 0:15:53.080 up and let them know what date you want to 0:15:53.080 --> 0:15:55.360 meet with a mortgage counselor it could be up to 0:15:55.400 --> 0:15:57.320 two years out, it could be up to two weeks out, 0:15:57.360 --> 0:15:59.760 but you put whatever date when you're comfortable. I tell 0:15:59.760 --> 0:16:02.360 people all the time, don't go into you're ready. You 0:16:02.360 --> 0:16:04.440 know what I'm saying, Don't go into your like all 0:16:04.480 --> 0:16:06.200 the way ready, don't go just trying to see what 0:16:06.240 --> 0:16:08.680 they gonna say and all that, like you know, test 0:16:08.680 --> 0:16:10.800 the program, Like, no, go when you're ready, when you 0:16:10.800 --> 0:16:13.080 know you have your documentation order, you got your two 0:16:13.120 --> 0:16:15.160 years work history and order, you got your two years 0:16:15.240 --> 0:16:18.120 tax history and audio bank statements order like these are 0:16:18.160 --> 0:16:22.000 things that all lenders require, not just NAKA. So it's 0:16:22.040 --> 0:16:23.920 like you shouldn't be going to a lender any unless 0:16:23.960 --> 0:16:26.440 you have this stuff in order anyway. But NACA is 0:16:26.480 --> 0:16:30.480 just extra strict about their documentation because essentially, you're going 0:16:30.520 --> 0:16:33.600 to these people asking them for hundreds of thousands of 0:16:33.600 --> 0:16:37.240 dollars for absolutely nothing. Your credit ain't shit, you ain't 0:16:37.240 --> 0:16:40.360 really shit, like you know what I'm saying, like most 0:16:40.400 --> 0:16:43.320 of the time for real time, like, but these people 0:16:43.320 --> 0:16:45.480 are still willing to give you a chance. Most lenders, 0:16:45.480 --> 0:16:47.520 when you go to them in that situation, what they're 0:16:47.560 --> 0:16:49.480 doing they're closing, doing your face and giving you a 0:16:49.520 --> 0:16:50.680 decline letter NAKA. 0:16:50.720 --> 0:16:52.680 They're gonna give you a checklist of things to do 0:16:52.960 --> 0:16:53.880 until you to come back. 0:16:53.920 --> 0:16:57.040 When you have those things done, your ID with them 0:16:57.120 --> 0:16:59.200 is still gonna be intacked, your foul with them still 0:16:59.200 --> 0:17:01.640 gonna be attack. You're gonna be able to update documents 0:17:01.640 --> 0:17:03.560 and send stuff in, but they're just not going to 0:17:03.680 --> 0:17:04.560 qualify you for a. 0:17:04.600 --> 0:17:07.200 Loan until you get things marked off that checklist. 0:17:07.240 --> 0:17:10.920 So it's a pretty strenuous checklist. So it's not IT'SANUD, 0:17:11.320 --> 0:17:12.960 That's what I'm saying. Like people, most people with the 0:17:13.000 --> 0:17:15.520 common misconception. It's like yo, I've seen people say yo, 0:17:15.600 --> 0:17:18.000 I tried twice and I just can't get through it. 0:17:18.480 --> 0:17:20.360 What is it? Is it the fact that they don't 0:17:20.800 --> 0:17:23.879 have that profile that you just spoke about intact, or like, 0:17:24.080 --> 0:17:25.680 what is the thing that is blocking people? 0:17:26.040 --> 0:17:26.359 To me? 0:17:26.480 --> 0:17:28.199 A lot of times it was my own fault. I 0:17:28.200 --> 0:17:32.240 was getting in my own way, Like so just my mentality, 0:17:32.280 --> 0:17:34.000 you know what I mean. So I'm you know, pointing 0:17:34.000 --> 0:17:36.120 a finger at them. Like a lot of times they'll 0:17:36.160 --> 0:17:38.200 be like, man, send us this document. 0:17:37.840 --> 0:17:39.080 Or can you resend this? 0:17:39.160 --> 0:17:40.760 And I would get mad and frustrated and want to 0:17:40.800 --> 0:17:42.800 go back and forth and say of just sending the document, 0:17:42.880 --> 0:17:43.760 like you know what I mean, So what if you 0:17:43.760 --> 0:17:46.520 got to send it twice? Like it's just stuff, get lost, stuff, 0:17:46.520 --> 0:17:48.040 get caught up in you know what I'm saying? Things 0:17:48.080 --> 0:17:50.000 like that, And then too a lot of times people 0:17:50.040 --> 0:17:53.560 get really frustrated because what they don't understand is KNAKA 0:17:53.600 --> 0:17:57.399 is extremely understaffed. They're non for profit, they're understaffed, and 0:17:57.400 --> 0:18:00.240 they're overworked. And then you got a person like me 0:18:00.400 --> 0:18:04.160 out here screaming from the mountaintops on eyl where there's 0:18:04.240 --> 0:18:06.720 millions of people following, Hey y'all, y'all can go get 0:18:06.760 --> 0:18:08.920 y'all MAULTI unit with the knack of program So now 0:18:08.960 --> 0:18:11.680 there's this rush of people going to the knack of programming. 0:18:11.720 --> 0:18:14.080 Now they're even more overwork than more overwhelmed. 0:18:14.119 --> 0:18:15.800 So it's like there has to be a level of 0:18:15.840 --> 0:18:19.080 patience and understanding when you're taking advantage of a program 0:18:19.080 --> 0:18:21.320 like this and just really getting like, all right, cool, 0:18:21.880 --> 0:18:24.720 I know if I exercise patients at the end of 0:18:24.760 --> 0:18:28.040 all of this, there won't be anything better out there 0:18:28.080 --> 0:18:31.440 for me. So I made a real the other day 0:18:31.880 --> 0:18:35.320 that said, I compare Naka to Tom Brady and Jordan. 0:18:35.560 --> 0:18:37.840 They're not the biggest, they're not the strongest, they're not 0:18:37.880 --> 0:18:40.720 the fastest, but they're the best in the clutch when 0:18:40.720 --> 0:18:42.600 it comes to the closing table. When you look at 0:18:42.600 --> 0:18:46.520 those numbers, they're gonna deliver every single time in the championship. 0:18:47.200 --> 0:18:50.919 The inspiration from others drives us forward. Their resilience pushes 0:18:51.040 --> 0:18:54.560 us to excel, and their path navigates the way towards freedom. 0:18:55.160 --> 0:18:58.879 Ford is proud to celebrate Black History, not just this month, 0:18:59.080 --> 0:19:01.919 but year round. They're committed to being the fuel for 0:19:02.040 --> 0:19:07.080 change supporting Ford Fund program centered around economic, educational, and 0:19:07.119 --> 0:19:11.040 empowerment opportunities for our communities to continue creating the future. 0:19:11.720 --> 0:19:15.760 Learn more at fordfund dot org. Build Ford Proud. 0:19:16.440 --> 0:19:18.959 Like you won't find anybody better. You won't find just 0:19:19.000 --> 0:19:21.080 you won't find better numbers ever. And it's the same 0:19:21.080 --> 0:19:23.000 thing like I say with Brady and Jordan, know they 0:19:23.119 --> 0:19:25.240 not the most anything, but. 0:19:25.200 --> 0:19:27.159 They just the best and they delivering a clutch when 0:19:27.200 --> 0:19:27.720 it's time too. 0:19:27.800 --> 0:19:30.040 So the steps all right, so you gotta go to 0:19:30.080 --> 0:19:33.720 the seminar. Yep, that's like an all day thing, three 0:19:33.760 --> 0:19:35.600 four hours and they edited what do they teach you 0:19:35.600 --> 0:19:36.080 on the seminar? 0:19:36.400 --> 0:19:38.879 They don't teach you anything. They just tell you about 0:19:38.920 --> 0:19:41.360 the program, you know, like the benefits of the program, 0:19:41.359 --> 0:19:43.360 like I say, the rules and different things like that. 0:19:43.440 --> 0:19:45.520 Naka doesn't teach you real estate, so like if you 0:19:45.560 --> 0:19:48.240 don't know real estate, you probably have to go learn real. 0:19:48.160 --> 0:19:49.960 Estate and then go through the program. 0:19:49.960 --> 0:19:52.560 Because I tell people this all the time, no matter 0:19:52.600 --> 0:19:55.280 what program you're going through, if you're going to buy property, 0:19:55.359 --> 0:19:57.399 have some knowledge because if you don't, you're at that 0:19:57.480 --> 0:20:01.119 point leaving your agent, your whoever to kind of like 0:20:01.200 --> 0:20:03.320 hijack your deal and lead you wherever it is you 0:20:03.359 --> 0:20:05.240 want to go, as opposed to you quarterback in your 0:20:05.280 --> 0:20:07.800 own deal. So have some knowledge and some information on 0:20:07.840 --> 0:20:09.600 this stuff. So when you go in, you can kind 0:20:09.600 --> 0:20:11.199 of tell your agent, hey, look, I'm looking for a 0:20:11.280 --> 0:20:14.000 multi unit property undervalue that has people living in and 0:20:14.040 --> 0:20:16.800 already cash flow. You can tell the lender, hey, look 0:20:16.960 --> 0:20:19.639 i'm qualifying. I'm going to apply for a multi unit property, 0:20:19.680 --> 0:20:22.040 So don't just qualify me based on my income. I'll 0:20:22.119 --> 0:20:24.440 let you know how much the income the building is generating. 0:20:24.440 --> 0:20:25.920 You know what I'm saying. Like, you work with these. 0:20:25.720 --> 0:20:27.480 People and tell them what it is that you're looking 0:20:27.520 --> 0:20:29.760 for so they can put the play together for you. 0:20:29.760 --> 0:20:30.440 You know what I'm saying. 0:20:30.480 --> 0:20:32.800 But if you don't know anything and you're just depending 0:20:32.800 --> 0:20:34.959 on these people to do the work for you, you're not 0:20:34.960 --> 0:20:37.040 going to get anything done because that's not their job. 0:20:37.600 --> 0:20:39.639 So that that's one of the things, right, So you 0:20:39.680 --> 0:20:41.399 have to have to do your due diligence before you 0:20:41.440 --> 0:20:44.080 go in anything, and you have to have your profile 0:20:44.200 --> 0:20:44.959 ready before you go. 0:20:45.280 --> 0:20:47.679 Well, I want to just ask what the profile? So 0:20:48.359 --> 0:20:51.679 all right, so you go through the seminar two hours, 0:20:52.000 --> 0:20:55.080 then you meet with a counselor, and that's like an hour. 0:20:54.960 --> 0:20:58.119 And that's not the counselor meeting depends on you know, 0:20:58.320 --> 0:21:00.520 how much of your stuff you got together or not. 0:21:00.560 --> 0:21:01.960 So when you meet with your counsel that's on the 0:21:02.040 --> 0:21:03.920 thorough you know what I mean. Do diligence. Start with them. 0:21:04.040 --> 0:21:06.840 Background check, you know, bank statement check. Man, give us 0:21:06.840 --> 0:21:09.080 your two years tech history, give us your two years. 0:21:08.880 --> 0:21:10.800 You know what I mean, work history, you know, just 0:21:10.800 --> 0:21:13.000 like give us your like history of like you know, 0:21:13.000 --> 0:21:15.080 where you've lived for the past ten years, like things 0:21:15.160 --> 0:21:17.959 like that that they ask you. And some people can 0:21:18.000 --> 0:21:20.040 get frustrated with it because a lot of times we 0:21:20.119 --> 0:21:22.240 tend to have the mindset of man, I don't want 0:21:22.240 --> 0:21:24.320 nobody in my business. But it's like, bro, like I said, 0:21:24.320 --> 0:21:26.960 you're going to borrow hundreds of thousands of dollars from 0:21:27.000 --> 0:21:29.320 these people, Like it's the bank. You need to have 0:21:29.359 --> 0:21:31.640 a relationship with the bank. NAKA is funded by Bank 0:21:31.720 --> 0:21:33.920 of America, So it's no different than going to Bank 0:21:33.960 --> 0:21:36.520 of America, City bank whoever to go and get a loan. 0:21:36.600 --> 0:21:38.719 There are gonna be certain things that are required and 0:21:39.280 --> 0:21:42.760 if you're doing anything fraud or scammy or anything like that, 0:21:42.840 --> 0:21:44.600 of course you don't want nobody and your business. But 0:21:44.680 --> 0:21:46.680 if you legit man, get these people what they're asking 0:21:46.720 --> 0:21:48.560 for because they're essentially about to change your life. 0:21:48.920 --> 0:21:50.840 That person that you meet, let's say you've done those 0:21:50.840 --> 0:21:52.440 first two steps and you know you sick with that person. 0:21:52.480 --> 0:21:54.520 If that person stay with you through the process or 0:21:54.560 --> 0:21:55.919 you pass the person. 0:21:55.680 --> 0:21:57.960 Your mortgage counsel is with you throughout the whole process. 0:21:58.000 --> 0:21:59.800 That's who you work with. And if there's a time 0:22:00.040 --> 0:22:02.240 where you know you and your mortgage counselor not getting 0:22:02.240 --> 0:22:04.400 the loan, they may not be responsive enough. You can 0:22:04.560 --> 0:22:07.040 request to change your mortgage counselor like you have all 0:22:07.080 --> 0:22:09.640 of those different options to pretty much like I say, 0:22:09.760 --> 0:22:12.199 quarterback your own deal, which is what I did. And 0:22:12.240 --> 0:22:14.960 like I told y'all, it's not the easiest process because 0:22:15.000 --> 0:22:17.320 there are gonna be times where they may not get 0:22:17.320 --> 0:22:19.040 back to you. They may not call back. Like bro, 0:22:19.080 --> 0:22:20.639 I was pulling up to the office like you know 0:22:20.680 --> 0:22:22.280 what I'm saying, like what's up? Like I sent y'all 0:22:22.359 --> 0:22:24.399 my documents. I did everything that I'm supposed to do, 0:22:24.480 --> 0:22:26.800 Like now what's the next steps? And you know they 0:22:26.840 --> 0:22:28.640 would go review the five like you know what mister Ham, 0:22:28.720 --> 0:22:30.159 is you right, I'm sorry, let me go in and 0:22:30.160 --> 0:22:31.440 you know what I mean, push you through or whatever 0:22:31.440 --> 0:22:33.600 the case may be. But if you're not proactive in 0:22:33.680 --> 0:22:36.560 your own situation, nobody's gonna do it for you. 0:22:36.800 --> 0:22:38.320 And I think most times. 0:22:38.000 --> 0:22:40.119 People are used to or I don't know what they 0:22:40.200 --> 0:22:41.879 used to, because you can't be used to anything if 0:22:41.920 --> 0:22:43.520 you've never bought a property, so you don't even know 0:22:43.520 --> 0:22:44.600 the mortgage process. 0:22:44.720 --> 0:22:45.280 So for you to. 0:22:45.280 --> 0:22:47.800 Complain about somebody not reaching out to you or following 0:22:47.880 --> 0:22:49.320 up with you, that's not. 0:22:49.240 --> 0:22:51.600 Necessarily your job. It's your job to follow up. 0:22:51.640 --> 0:22:54.040 It's your job to send it in documentation, it's your job 0:22:54.119 --> 0:22:55.840 to go to the office, like with anything. 0:22:55.920 --> 0:22:58.439 That's what I learned, Like, man, I have to be 0:22:58.560 --> 0:22:59.320 the person. 0:22:59.040 --> 0:23:01.840 That's kind of like, you know, controlling a quarterback of 0:23:01.840 --> 0:23:02.720 my own situation. 0:23:02.840 --> 0:23:05.080 Otherwise people it's not important to us. 0:23:05.119 --> 0:23:08.680 And also it's like like you said, you don't even 0:23:08.720 --> 0:23:10.920 know if you haven't been through the process. And even 0:23:11.080 --> 0:23:13.840 on a higher level, So we we're building the homes 0:23:14.480 --> 0:23:19.280 and you know, these are million dollar houses, and we 0:23:19.320 --> 0:23:21.639 had to go through a bunch of red tape and 0:23:21.840 --> 0:23:24.320 send stuff and then the stuff they asked for the 0:23:24.320 --> 0:23:26.679 stuff that we just sent, and it's like it's a 0:23:26.680 --> 0:23:29.159 headache and it's a hassle, and it's like, you know, 0:23:29.200 --> 0:23:32.159 it's not the most efficient buying a home without the 0:23:32.160 --> 0:23:33.480 most efficient process. Period. 0:23:33.520 --> 0:23:35.360 I love that you just said that because people don't. 0:23:35.400 --> 0:23:38.240 People think it's just knacker, like everybody gonna ask you 0:23:38.280 --> 0:23:40.480 the double send documents, and it's not. This is the 0:23:40.520 --> 0:23:43.240 mortgage process, this is the home playing process. And y'all 0:23:43.240 --> 0:23:45.639 don't y'all ain't never bought shit, so you don't know. 0:23:45.800 --> 0:23:48.840 So you just complaining what you think you should be getting, 0:23:49.000 --> 0:23:50.800 just entitlement, be beating your ass whole time. 0:23:50.840 --> 0:23:52.320 Let's just call it what it is, beating. 0:23:52.560 --> 0:23:54.800 That's what we said. It's one thousand, right, that's the 0:23:54.800 --> 0:23:56.359 first part even getting a home. But now we, like 0:23:56.359 --> 0:23:58.240 I said, we're buildings, so now we're deale with permits, 0:23:58.600 --> 0:23:59.880 and that's a whole other process. 0:24:00.119 --> 0:24:02.199 You gotta go through inspections and stuff that might not 0:24:02.240 --> 0:24:04.680 approve certain stuff. It's just like, man, oh the time 0:24:04.800 --> 0:24:08.280 and a patience thing. And again, no, even in sports, 0:24:08.440 --> 0:24:11.359 you're when you're dealing with hundreds of thousands, millions of dollars, 0:24:11.560 --> 0:24:12.919 These things take time. 0:24:13.440 --> 0:24:14.600 These things take time. 0:24:14.760 --> 0:24:17.600 And most times when you hear, like I say, about 0:24:17.760 --> 0:24:20.440 somebody getting offered like a big contract, you hear about 0:24:20.440 --> 0:24:22.880 them turning the contract down or just not working out 0:24:23.000 --> 0:24:24.080 or the deal going bad. 0:24:24.119 --> 0:24:26.720 Like this is business. This is just how business works. 0:24:26.760 --> 0:24:28.800 Like I said, there are times when you can do 0:24:28.920 --> 0:24:31.360 everything right and stuff just still won't go your way, 0:24:31.440 --> 0:24:32.919 like it just and then what do you do? Like 0:24:32.960 --> 0:24:34.520 you have to get back on the ground. You gotta 0:24:34.560 --> 0:24:36.359 get back to it. You can't let it discourage you. 0:24:36.680 --> 0:24:41.040 And a lot of times people get emotional about these things. 0:24:41.040 --> 0:24:43.240 That's why you hear so much slander because like now 0:24:43.280 --> 0:24:45.240 you're mad, Oh Nakaa. 0:24:44.920 --> 0:24:46.000 Did this to you and not Couna did. 0:24:46.040 --> 0:24:48.480 That's no, you just quit, like you know what I'm saying, 0:24:48.480 --> 0:24:50.680 You quit the process essentially, because if you would have 0:24:50.720 --> 0:24:53.240 stayed down, you would have came up. Because that's what 0:24:53.320 --> 0:24:56.320 I did, and that's what my ex did, and that's 0:24:56.359 --> 0:24:58.399 what my you know what I mean friends did. Like 0:24:58.400 --> 0:25:01.200 that's what I've helped so many people this program who listen. 0:25:01.400 --> 0:25:03.240 But it's this it's a mindset thing, you know what 0:25:03.240 --> 0:25:05.120 I'm saying. Most people don't have their mindset in order, 0:25:05.160 --> 0:25:07.560 Like I say, it's entitlement. You feel like you owed something. 0:25:07.600 --> 0:25:09.600 It's like, nah, man, you got to go earn everything 0:25:09.600 --> 0:25:12.160 that you need that you got out here, from property 0:25:12.320 --> 0:25:15.680 to business customers, Like you have to go and earn 0:25:15.800 --> 0:25:17.360 these things. You have to go and show and prove. 0:25:17.440 --> 0:25:19.439 You have to like do what you need to do 0:25:19.560 --> 0:25:21.920 in order to make things happen. And most people operate 0:25:21.960 --> 0:25:24.000 in the space of instant gratification. And I think the 0:25:24.000 --> 0:25:25.960 Internet has a lot to do with that because you 0:25:26.000 --> 0:25:28.960 see people doing so well, and you see people accomplishing things, 0:25:29.119 --> 0:25:31.720 and you see more of the celebratory moments online. You 0:25:31.720 --> 0:25:34.880 don't see the hard, behind the scenes grind that it took. 0:25:34.960 --> 0:25:35.760 You don't see. 0:25:35.560 --> 0:25:38.280 The offers that I put in and you know what 0:25:38.280 --> 0:25:40.480 I mean, got turned down or got beat out by 0:25:40.600 --> 0:25:43.040 cash offers. You didn't see the time we're almost lost 0:25:43.080 --> 0:25:45.720 ten thousand dollars in earn this money because you know 0:25:45.720 --> 0:25:49.479 what I mean, the contractors didn't do what they were 0:25:49.480 --> 0:25:51.480 supposed to do and give me the proper estimates. Just 0:25:51.520 --> 0:25:53.359 like it's a lot of things behind the scenes that 0:25:53.400 --> 0:25:57.040 people just don't know. And practicing patience and understanding how 0:25:57.040 --> 0:26:00.439 this process goes will make your life and just your 0:26:00.520 --> 0:26:03.159 process way easier when it comes to stuff and just 0:26:03.200 --> 0:26:05.920 a lot less stressful because it's like, it's not easy. 0:26:05.920 --> 0:26:08.960 It's a super stressful process, regardless of whether it's Naka 0:26:09.200 --> 0:26:12.240 Faha conventional. It's a it's a process, man, And I 0:26:12.280 --> 0:26:13.600 don't think people understand. 0:26:13.240 --> 0:26:14.840 They gotta be ready for the long run. You said 0:26:14.840 --> 0:26:17.240 when you spoke to your friend who recommended Knaka to you, 0:26:17.600 --> 0:26:20.000 that you had ten thousand dollars, and so a lot 0:26:20.000 --> 0:26:22.080 of times when people here Knaka and they had no 0:26:22.119 --> 0:26:24.680 doubt payment, they think, oh, you need no money. That's 0:26:24.720 --> 0:26:26.959 not just like that's like one of these misconceptions like, oh, 0:26:27.000 --> 0:26:29.320 it's no money down, My credit can be six twenty, 0:26:29.680 --> 0:26:31.960 but you need you need money to be in a program. 0:26:32.080 --> 0:26:36.080 I mean any any any mortgage that you're gonna get. 0:26:36.119 --> 0:26:39.200 You're going to have things you have to pay for, taxes, insurance, 0:26:39.359 --> 0:26:41.479 like all of those kind of things. In addition to that, 0:26:41.840 --> 0:26:44.680 Naka wants you to have a specific amount of money 0:26:44.680 --> 0:26:47.000 saved up. Me I personally try to tell people save 0:26:47.040 --> 0:26:49.399 about three and a half percent of the loan amount 0:26:49.480 --> 0:26:51.840 that you're looking for, because that covers your taxes, insurance, 0:26:52.200 --> 0:26:53.960 and it should cover you know what, I mean the 0:26:55.080 --> 0:26:57.080 cushion of a few months that they require you to 0:26:57.160 --> 0:26:59.359 have as well, because what they don't want to happen 0:26:59.440 --> 0:27:01.280 is for you to be house rich and cash poor 0:27:01.560 --> 0:27:04.240 because a lot of times what tends to happen to 0:27:04.240 --> 0:27:07.119 people is they'll, you know, pay their down payment fees. 0:27:07.200 --> 0:27:09.240 All of those different things you done came out of 0:27:09.280 --> 0:27:11.560 twenty twenty five thousand dollars or whatever the case. Merk, 0:27:12.240 --> 0:27:15.760 You've just spent thirty years of your life saving this money. 0:27:15.880 --> 0:27:18.480 Now you just gave it away. Now you have this house, 0:27:18.720 --> 0:27:21.000 and when something goes wrong with this house a roof issue, 0:27:21.000 --> 0:27:23.119 a plumbing issue, you don't you can't fix it. You 0:27:23.119 --> 0:27:25.960 don't have the money to fix it, and they don't 0:27:25.960 --> 0:27:27.640 want you to do that. So they set you up 0:27:27.680 --> 0:27:30.040 to whereas you have money, they set you up to 0:27:30.080 --> 0:27:32.040 whereas if you go get a multi unit, you got 0:27:32.080 --> 0:27:33.960 cash flow coming in because they make sure the numbers 0:27:33.960 --> 0:27:36.240 fall right all of those different things. And this is 0:27:36.280 --> 0:27:38.439 why I love them, because they protected me throughout the 0:27:38.480 --> 0:27:41.359 whole process. There were times where contractors tried to do 0:27:41.400 --> 0:27:43.360 food food shit, they're just different stuff, and that could 0:27:43.440 --> 0:27:45.560 just like ran interference on all that, Like, nah, we're 0:27:45.560 --> 0:27:47.960 not going for that at times, like somebody try to 0:27:48.000 --> 0:27:50.399 sell you a four unit building but the building is 0:27:50.400 --> 0:27:52.280 on his own for three units in the garden. 0:27:52.080 --> 0:27:54.680 Unit or the basement unit would be like illegal. 0:27:54.800 --> 0:27:56.480 But knaka, well, you know they gonna go do their 0:27:56.560 --> 0:27:59.000 due diligence and you know what I mean, like check 0:27:59.280 --> 0:28:00.920 you know, city record because and all that make sure 0:28:01.000 --> 0:28:03.159 all of this stuff is owned and approved correctly, and 0:28:03.240 --> 0:28:04.400 a lot of times like it don't. 0:28:04.400 --> 0:28:06.120 And they protect you from all that stuff. 0:28:06.040 --> 0:28:08.240 Even in your own personal right, Like I was reading that. 0:28:08.280 --> 0:28:11.679 They'll check your patterns, right, They'll check your rent patterns, 0:28:11.680 --> 0:28:14.200 they'll check your savings patterns. So it's not like hey, 0:28:14.440 --> 0:28:16.600 they look at how much you were paying, how much 0:28:16.760 --> 0:28:19.040 you make, and they'll say, well, that money could be saved. 0:28:19.400 --> 0:28:23.479 So having that as an important system makes sense, right 0:28:23.480 --> 0:28:24.919 because it's like you don't want to make sure, like 0:28:24.920 --> 0:28:27.000 you don't want to have it where I say five hundred, 0:28:27.040 --> 0:28:28.680 then I saved nothing for three months and I put 0:28:28.680 --> 0:28:32.520 three thousand. They're watching that to make sure that they can. 0:28:32.560 --> 0:28:34.880 Making sure you got good good money spend like good 0:28:34.920 --> 0:28:38.000 money habits like and this is and it's not bad, 0:28:38.200 --> 0:28:39.880 like you should want to have good money happen. You 0:28:39.880 --> 0:28:42.200 should appreciate this kind of training, like, Okay, I need 0:28:42.240 --> 0:28:44.960 this because I've been not disciplined for the longest amount 0:28:44.960 --> 0:28:47.240 of time and now I have somebody challenging me to 0:28:47.280 --> 0:28:47.560 do better. 0:28:47.600 --> 0:28:48.480 Why wouldn't you want that? 0:28:48.840 --> 0:28:51.360 So they approve you for you come with your information, 0:28:51.400 --> 0:28:52.880 Da da da. They put it in the system and 0:28:52.880 --> 0:28:56.080 they say, Okay, you're based off of what we think 0:28:56.200 --> 0:28:58.560 you can get a two hundred thousand dollars more. 0:28:58.840 --> 0:29:00.600 If you're going for a single family home, yes, but 0:29:00.600 --> 0:29:02.800 that's not how it works with multi units. Okay, with 0:29:02.920 --> 0:29:06.040 multi units, how it works is even with NAKA, so 0:29:06.400 --> 0:29:08.640 they have limits. So with a single family home, which 0:29:08.680 --> 0:29:10.840 is these are examples, it depends on what area you're in. 0:29:10.880 --> 0:29:12.760 They'll give you a max. So let's say a single 0:29:12.760 --> 0:29:14.480 family home, they might give you a max two hundred 0:29:14.520 --> 0:29:16.200 thousand two unit. They might give you a max a 0:29:16.240 --> 0:29:18.120 three fifty three unit. They might give you a max 0:29:18.120 --> 0:29:20.160 a six hundred on a four unit, they'll give you 0:29:20.160 --> 0:29:21.880 a max of like nine hundred and nine to fifty 0:29:21.960 --> 0:29:24.840 or something like that. So for me, I'm like, why 0:29:24.920 --> 0:29:26.840 not max out and go crazy? If I'm trying to 0:29:26.840 --> 0:29:29.160 go get me a rental property, I'm gonna get four units. 0:29:29.200 --> 0:29:30.840 The four units are gonna make sure I have a 0:29:30.840 --> 0:29:32.600 place to live for free. Is gonna make sure my 0:29:33.120 --> 0:29:35.360 mortgage is paid on top of steel having some money 0:29:35.400 --> 0:29:36.880 at the end of the month's cash flow. 0:29:37.160 --> 0:29:38.120 So I'm gonna do that. 0:29:38.360 --> 0:29:39.880 On top of that, it's going to allow me to 0:29:39.920 --> 0:29:42.040 go for a bigger mortgage, which is gonna put me 0:29:42.080 --> 0:29:44.960 in a nicer neighborhood, you know what I'm saying. In 0:29:45.000 --> 0:29:47.320 addition to that, if I go find a four unit 0:29:47.360 --> 0:29:49.840 in a nice neighborhood, that means the rents are gonna 0:29:49.840 --> 0:29:52.120 be high. You know what I mean, because that's just 0:29:52.120 --> 0:29:53.760 what it is. When you live in nice neighborhoods, you 0:29:53.760 --> 0:29:56.960 got higher rents and apartments are nice. So how KNAKA 0:29:57.080 --> 0:29:59.960 qualifies you or lenders qualify you in general for multi 0:30:00.120 --> 0:30:03.360 units is totally different than they do for single family homes. 0:30:03.520 --> 0:30:06.800 A single family home, you're qualified strictly using your income. 0:30:07.080 --> 0:30:09.800 When it comes to multifamilies, and this is why I 0:30:09.800 --> 0:30:12.240 tell people, go find you a multifamily that has people 0:30:12.240 --> 0:30:14.600 living in it already, because what they do is they'll 0:30:14.600 --> 0:30:17.480 take seventy five percent of the income that the property 0:30:17.520 --> 0:30:20.840 is generating already added to yours, and that is what 0:30:20.920 --> 0:30:23.560 makes the property more than affordable. For example, this is 0:30:23.560 --> 0:30:25.520 what I like to tell people. So let's say you 0:30:25.600 --> 0:30:28.000 make two thousand dollars a month at your job, right, 0:30:28.320 --> 0:30:30.120 and the mortgage on this property you're looking at is 0:30:30.160 --> 0:30:32.239 three thousand dollars. Of course you can afford it. You're 0:30:32.240 --> 0:30:34.600 a thousand dollars short. But let's say the property that 0:30:34.640 --> 0:30:37.400 you're looking at also generates four thousand dollars a month 0:30:37.480 --> 0:30:41.040 in rent. They'll take three thousand dollars of dot add 0:30:41.040 --> 0:30:42.080 it to your two thousand. 0:30:42.280 --> 0:30:45.120 Now that's five thousand. Subtract three thousand from that. 0:30:45.280 --> 0:30:47.280 Now you have two thousand dollars left over at the 0:30:47.320 --> 0:30:49.480 end of the month, which makes this property way more 0:30:49.520 --> 0:30:52.360 than affordable. On top of they only use seventy five 0:30:52.360 --> 0:30:54.440 percent of the rent, they're still twenty five percent. That's 0:30:54.440 --> 0:30:57.480 still there. You get what I'm saying to you. So like, 0:30:57.640 --> 0:31:00.360 that's that's how the multi unit math works. And people 0:31:00.360 --> 0:31:01.880 don't understand that, and they're like. 0:31:01.920 --> 0:31:04.360 I can't afford a multi unit. It's so expensive. How 0:31:04.400 --> 0:31:05.560 do you afford a multi unit? 0:31:05.600 --> 0:31:07.560 And you're making twenty six thousand dollars a year because 0:31:07.600 --> 0:31:09.840 I understand how multi unit math works. And I went 0:31:09.880 --> 0:31:12.000 and found me property that had high rents and cash 0:31:12.040 --> 0:31:14.680 flowing already, and all I have to do is pretty 0:31:14.720 --> 0:31:16.480 much sign a paperwork and move in. 0:31:17.200 --> 0:31:20.360 So you found the property yourself. Didn't apply for the program, right, 0:31:20.400 --> 0:31:22.240 So does it when you apply for it? Does it 0:31:22.280 --> 0:31:24.960 have to be primary residents? How does that work? 0:31:25.000 --> 0:31:25.200 Yeah? 0:31:25.200 --> 0:31:27.680 So you do have to live in a property for 0:31:27.720 --> 0:31:29.640 the life of the loan, But NAKA has a five 0:31:29.720 --> 0:31:33.160 year leaning on a property because they're not designed to, 0:31:33.480 --> 0:31:36.160 you know, create investors. They're designed to balance our neighborhood. 0:31:36.160 --> 0:31:38.120 So they want you to live in a property and 0:31:38.560 --> 0:31:40.640 for the first five years you have a twenty five 0:31:40.720 --> 0:31:43.240 k lian on it. Every year drops off five thousand dollars. 0:31:43.280 --> 0:31:45.600 So after the fifth year you probably like clean and 0:31:45.760 --> 0:31:47.440 free to go do whatever you need to do, whether 0:31:47.480 --> 0:31:50.000 it be refinanced or whatever the case may be. And 0:31:50.480 --> 0:31:52.080 at this point, my first one, I've been in it 0:31:52.160 --> 0:31:54.080 for eight years. The second one it's been five years. 0:31:54.080 --> 0:31:55.480 So now I'm kind of like free and clear to 0:31:55.520 --> 0:31:57.400 knackoling and I can kind of go move around how 0:31:57.440 --> 0:32:01.440 I want to. But it's just like I'm set up 0:32:01.520 --> 0:32:03.560 to the point where now I can pull equity out 0:32:03.600 --> 0:32:05.840 of my properties. NAKA set me up to the point 0:32:05.880 --> 0:32:10.000 in the beginning on my first deal, we didn't even 0:32:10.040 --> 0:32:12.320 talk about this yet, but my first deal was immaculate. 0:32:13.280 --> 0:32:16.200 I got a four unit property I moved in, so 0:32:16.280 --> 0:32:19.040 I lived for free. All three units you know what 0:32:19.040 --> 0:32:23.320 I mean, were paying rent already. I didn't put any 0:32:23.360 --> 0:32:25.640 money down. I walked away from the closing table with 0:32:25.720 --> 0:32:28.800 a five thousand dollars check. That same day I got 0:32:28.840 --> 0:32:31.760 paid from my job. In addition to I kept all 0:32:31.760 --> 0:32:33.600 of my money because I was going through the process 0:32:33.640 --> 0:32:35.360 and they required me to keep saving, so that ten 0:32:35.400 --> 0:32:38.480 thousand turned into fifteen thousand. So I went from making 0:32:38.520 --> 0:32:41.600 about twenty six thousand dollars a year at my job 0:32:41.880 --> 0:32:44.200 to having twenty six thousand dollars in cash in my 0:32:44.240 --> 0:32:47.400 account after my first deal, which allowed me to go 0:32:47.480 --> 0:32:49.680 start investing in the stock market, you know what I mean, 0:32:49.880 --> 0:32:53.720 doing more deals, traveling network and building business, meeting guys 0:32:53.760 --> 0:32:54.240 like y'all. 0:32:54.640 --> 0:32:56.480 And that just came from that first deal. 0:32:56.480 --> 0:32:58.120 And this is why I try to encourage people to 0:32:58.120 --> 0:33:01.120 go through NACA, because they set you up so beautifully. 0:33:01.240 --> 0:33:03.440 After the deal, it's like, damn, I still got all 0:33:03.440 --> 0:33:05.440 this money left the average person they out of what 0:33:05.600 --> 0:33:08.440 ten fifteen, twenty thousand dollars on the deal with faha, 0:33:09.000 --> 0:33:11.400 you know what I'm saying, Like, it's not that with NAKA. Yeah, 0:33:11.400 --> 0:33:13.160 I had to spend Actually I didn't spend nothing, but 0:33:13.200 --> 0:33:14.560 you may have to spend a little money, like I said, 0:33:14.560 --> 0:33:17.160 your taxes, insurance and little stuff like that. But man, 0:33:17.200 --> 0:33:19.160 it's nowhere near the same as what a convention to 0:33:19.200 --> 0:33:19.600 a FHA. 0:33:19.720 --> 0:33:22.400 Long, so let me ask you this. Okay, a few things. 0:33:22.600 --> 0:33:24.360 You was making twenty six thousand dollars a year when 0:33:24.360 --> 0:33:27.720 you first got the house after taxis yep, okay, so 0:33:28.360 --> 0:33:31.200 knaka all right. So some people are going to say, like, 0:33:31.200 --> 0:33:33.560 what's the catch here, right, because it's like, okay, you 0:33:33.600 --> 0:33:38.720 can make whatever you your credit score. You don't have 0:33:38.760 --> 0:33:39.800 to have good credit. 0:33:40.080 --> 0:33:41.800 But you do so you don't have to have good credit, 0:33:41.840 --> 0:33:44.320 but your DTI has to be good, your debt income 0:33:44.360 --> 0:33:46.560 has to be good, and you can't have like collections, 0:33:46.600 --> 0:33:48.040 you know, you can't like no T mobile BI or 0:33:48.080 --> 0:33:48.840 none of that kind of stuff. 0:33:48.920 --> 0:33:50.840 They look at your they look at your credit profile, 0:33:51.480 --> 0:33:54.800 not just for exactly Okay, Okay, that's good to know 0:33:55.200 --> 0:34:00.160 and there's no money down down right, So how how 0:34:00.160 --> 0:34:03.360 are you preventing people from putting themselves in situations where 0:34:03.400 --> 0:34:06.520 they just gonna set themselves up for failure teaching? You 0:34:06.520 --> 0:34:08.520 know what I'm saying, naka Like how like that's why 0:34:08.520 --> 0:34:11.360 they're structuring, like you have to have this amount, so 0:34:11.400 --> 0:34:11.920 they make. 0:34:11.800 --> 0:34:14.239 Sure they make sure you got that cushion saved, so 0:34:14.280 --> 0:34:16.200 when you start off, you've got a nice chunk of 0:34:16.239 --> 0:34:17.880 money to handle whatever it is that you need to 0:34:17.920 --> 0:34:19.600 handle any issues that may come up. 0:34:19.520 --> 0:34:19.960 Et cetera. 0:34:20.160 --> 0:34:22.520 They also require you to take a landlord class before 0:34:22.560 --> 0:34:24.040 you're going to buy a multi unit too, so you 0:34:24.040 --> 0:34:27.640 can understand like the rules. Absolutely they make you go 0:34:27.680 --> 0:34:29.799 take that class so you can understand the rules, the laws, 0:34:29.800 --> 0:34:32.000 and the regulations your particular area and stuff like that, 0:34:32.040 --> 0:34:34.399 so you're not doing nothing illegal, like you know, discrimination, 0:34:34.600 --> 0:34:35.680 just any of that kind of stuff. 0:34:35.680 --> 0:34:37.319 So when you're trying to do the saving right, So, 0:34:37.360 --> 0:34:38.880 like what he said, if you got the twenty sixersand 0:34:38.880 --> 0:34:41.760 and they're seeing your saving pattern, they're seeing your rep pattern. 0:34:42.040 --> 0:34:44.600 Let's say that you're late on rent one month. You cooked, 0:34:45.239 --> 0:34:47.120 so now you gotta if you head it toward the 0:34:47.120 --> 0:34:49.120 front of the line. Now you're going to the back 0:34:49.120 --> 0:34:49.520 of the line. 0:34:49.560 --> 0:34:51.440 So how long is that? 0:34:51.440 --> 0:34:53.200 That's the how long is the process that they're looking 0:34:53.239 --> 0:34:55.800 over a six month span, nine month span, a year. 0:34:55.760 --> 0:34:57.959 So they look at your rent payments over a year. 0:34:58.719 --> 0:35:00.960 You know, they gonna get that infan from your landlord 0:35:01.040 --> 0:35:02.480 or whatever the case may be, or whatever you if 0:35:02.480 --> 0:35:05.120 you live with your parents, they'll get that from them. 0:35:05.360 --> 0:35:07.600 But yeah, man, they do it for about a year 0:35:07.840 --> 0:35:09.480 and they go back and check that information. 0:35:09.719 --> 0:35:13.640 So you so all right, you bring the property to Naka. 0:35:13.840 --> 0:35:14.000 No. 0:35:14.320 --> 0:35:16.640 So when I went to Naka, I had a it's 0:35:16.880 --> 0:35:18.839 it's the same process with everybody else. 0:35:18.920 --> 0:35:20.759 I went and got me an agent. We went out. 0:35:20.800 --> 0:35:23.840 I got approved agent Knacker No. I'll use it the 0:35:23.840 --> 0:35:24.440 agent outside. 0:35:26.000 --> 0:35:28.279 But Naka does have agents who like kind of like 0:35:28.360 --> 0:35:30.799 know their process, so it's a little bit faster when 0:35:30.800 --> 0:35:33.040 you have one of their agents. But I just had 0:35:33.040 --> 0:35:35.239 my agent, you know, registered through the KNACKA and learn 0:35:35.320 --> 0:35:41.239 whatever their process was. Because again, their staff is overworked. 0:35:41.920 --> 0:35:43.319 Like I say, you got a lot of people going 0:35:43.360 --> 0:35:45.520 through the program. So I didn't necessarily want to go 0:35:45.600 --> 0:35:47.840 with an agent who I wouldn't be a priority with. 0:35:48.080 --> 0:35:49.959 You know what, I'm saying, so I went and found 0:35:50.000 --> 0:35:51.799 my own agent who made me a priority and we 0:35:51.880 --> 0:35:52.480 made it happen. 0:35:52.680 --> 0:35:56.520 Your own agent through the knacka program that had knowledge 0:35:56.520 --> 0:36:01.560 of the So Knacker approves you for the mortgage and 0:36:01.600 --> 0:36:03.839 then you you bring the property to them. 0:36:04.040 --> 0:36:07.719 Yeah, is there ever? I've heard people pass it, Like 0:36:07.840 --> 0:36:11.280 some sellers they don't want to sell to Knack of people. 0:36:12.200 --> 0:36:15.000 So I think that's I think that's all about communication. 0:36:15.480 --> 0:36:17.439 Every time my agent went in, he would let people 0:36:17.480 --> 0:36:20.160 know like, hey, look, my guy's going through a program 0:36:20.160 --> 0:36:22.520 called a Knacker program. They got this, this, this and this, 0:36:22.520 --> 0:36:24.400 this is this. He's the first time home buyer. Is 0:36:24.400 --> 0:36:27.800 great for them, and NAKA also has some benefits for 0:36:27.840 --> 0:36:28.440 the seller as well. 0:36:28.440 --> 0:36:30.720 They pay like the seller's title fees. 0:36:30.800 --> 0:36:32.520 Like it's a couple of things that's beneficial for the 0:36:32.560 --> 0:36:35.000 seller too, to make the seller want to like possibly 0:36:35.040 --> 0:36:36.360 like you know what I mean, jump at that and 0:36:36.440 --> 0:36:38.880 then too, like you just got to have a you know, 0:36:38.960 --> 0:36:41.200 an agent that know how to work and for next deals. 0:36:41.239 --> 0:36:43.640 Like my agent, he used the emotion card and everything. 0:36:43.680 --> 0:36:46.719 He's like, listen, my guy, he's from this neighborhood, he 0:36:46.800 --> 0:36:48.919 has kids. They love the area. They want to still 0:36:48.960 --> 0:36:50.600 go to the schools all of that. 0:36:50.719 --> 0:36:53.560 So, like when you have somebody who like been owning 0:36:53.560 --> 0:36:55.680 their property for a long time and they care about it, 0:36:55.719 --> 0:36:57.200 they don't want to just sell it to an investor 0:36:57.200 --> 0:36:58.319 who going to come tear it down. 0:36:58.320 --> 0:36:59.360 They actually want somebody. 0:36:59.400 --> 0:37:02.040 So you gotta have like people on your team who 0:37:02.040 --> 0:37:04.440 are savvy and witty and know how to like, you know, communication. 0:37:04.600 --> 0:37:06.680 Well, I'm like today because that's something that not just 0:37:06.719 --> 0:37:10.040 in real estate, but any part of business. There's still 0:37:10.040 --> 0:37:12.360 an element, like I know, AI is taking over everything, 0:37:12.400 --> 0:37:16.360 but there's still an element of human interaction absolutely, so 0:37:16.600 --> 0:37:19.960 I know could turn into a yes if explained correctly, 0:37:20.440 --> 0:37:23.880 if you bring somebody lunch. This is just this is 0:37:24.040 --> 0:37:25.600 part of any type of business. Right. 0:37:25.640 --> 0:37:27.320 Both of my deals worked out like that. On the 0:37:27.360 --> 0:37:29.720 first one it was the emotion car. On a second 0:37:29.840 --> 0:37:31.480 it was cause we were black. It was a Puerto 0:37:31.560 --> 0:37:33.839 Rican guy in a Puerto Rican neighborhood. He said, too 0:37:33.880 --> 0:37:35.520 many white people was coming in and trying to low 0:37:35.520 --> 0:37:37.480 ball him. He was a developer, he knew his area, 0:37:37.480 --> 0:37:39.319 he knew what was going on, but he ain't looked 0:37:39.320 --> 0:37:40.800 like a rich god though, so they would try to 0:37:40.800 --> 0:37:41.600 play with him. 0:37:41.800 --> 0:37:42.640 Man we came in. 0:37:42.760 --> 0:37:44.720 He was like, I will give y'all whatever y'all need 0:37:44.719 --> 0:37:46.919 to close this deal. He gave us forty thousand dollars 0:37:46.960 --> 0:37:48.520 in clothes and credits. You know what I'm saying, Like, 0:37:48.600 --> 0:37:52.000 just like really looked out for us because representation mattered 0:37:52.040 --> 0:37:52.399 to him. 0:37:52.440 --> 0:37:54.680 He was like, they're already gentrifying this neighborhood. 0:37:54.680 --> 0:37:56.640 It went from a Puerto Rican neighborhood, so now it's 0:37:56.680 --> 0:37:59.239 mainly white and now I got two brown young people 0:37:59.280 --> 0:37:59.840 trying to move in. 0:38:00.000 --> 0:38:01.160 Hey, oh yeah, let's do the deal. 0:38:01.280 --> 0:38:01.759 You know what I mean? 0:38:01.840 --> 0:38:04.200 A lot of times certain things can plan your favor. Again, 0:38:04.560 --> 0:38:07.360 it's all God's timing, man like. And for me, I 0:38:07.440 --> 0:38:10.040 knew that Naka was the best thing for me in 0:38:10.040 --> 0:38:12.560 my particular situation. I'm like, where else am I going 0:38:12.600 --> 0:38:16.000 to be able to go and take advantage of properties 0:38:16.040 --> 0:38:18.200 in these amazing neighborhoods. 0:38:17.520 --> 0:38:19.600 With these low. 0:38:18.880 --> 0:38:20.960 Cost of entry numbers, Like you know what I'm saying, 0:38:21.000 --> 0:38:23.600 Like it just it was just a no brainer for me, man, 0:38:23.680 --> 0:38:25.680 And again it changed my life. 0:38:25.800 --> 0:38:28.200 You said at the end of the closing, you got 0:38:28.239 --> 0:38:30.239 money back, And I've heard stories of people when they 0:38:30.320 --> 0:38:32.279 use Knacker, they get money back can you break down 0:38:32.320 --> 0:38:34.120 here that words, because I know there's no closing costs 0:38:34.160 --> 0:38:35.759 to be for you, so how do you get money? 0:38:35.760 --> 0:38:39.960 So what happened was, again an excellent agent worked out 0:38:39.960 --> 0:38:43.560 a fifteen dollar I mean a fifteen thousand dollars closing credit. 0:38:43.840 --> 0:38:46.080 Ten grand was used to buy my interest rate down. 0:38:46.360 --> 0:38:48.279 Five grand just ended up up in the air. Where 0:38:48.280 --> 0:38:50.759 would it go to the buyer? It's just money. They 0:38:50.760 --> 0:38:52.160 gave it to them, you know what I mean. Naadn't 0:38:52.160 --> 0:38:54.160 allow you to walk away with cash no more. So 0:38:54.160 --> 0:38:55.640 what they would probably do now is apply it to 0:38:55.719 --> 0:38:57.920 the principle as opposed to buying the interest down. But 0:38:58.280 --> 0:39:00.120 in that particular deal, it worked out for me, So 0:39:00.120 --> 0:39:00.840 I walked tarns. 0:39:00.880 --> 0:39:01.440 What's going on? 0:39:01.600 --> 0:39:01.880 Listen? 0:39:02.080 --> 0:39:06.360 EYLU is relaunching, revamping, retooling. That's why we're creating a 0:39:06.560 --> 0:39:09.040 new educational experience that's more expensive. 0:39:09.200 --> 0:39:09.960 Shoty telling we. 0:39:09.960 --> 0:39:13.040 Got hes twenty twenty three, We got a lot in 0:39:13.160 --> 0:39:15.319 still a lot playing for you guys. 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An MS thirteen gang member from El Salvador 0:41:54.080 --> 0:41:58.200 accused of murdering a Texas man of Venezuelan charged with 0:41:58.280 --> 0:42:02.160 filming and selling child pronography in Michigan. These are just 0:42:02.280 --> 0:42:06.040 some of the heinous migrant criminals caught because of President 0:42:06.080 --> 0:42:09.600 Donald J. Trump's leadership. I'm Christy Noman, the United States 0:42:09.680 --> 0:42:14.440 Secretary of Homeland Security. Under President Trump, attempted illegal border 0:42:14.480 --> 0:42:18.040 crossings are at the lowest levels ever recorded, and over 0:42:18.120 --> 0:42:21.319 one hundred thousand illegal aliens have been arrested. If you 0:42:21.400 --> 0:42:25.240 are here illegally, your next you will be fine nearly 0:42:25.320 --> 0:42:29.359 one thousand dollars a day, imprisoned and deported, you will 0:42:29.400 --> 0:42:33.040 never return. But if you register using our CBP home 0:42:33.080 --> 0:42:36.440 app and leave now, you could be allowed to return legally. 0:42:36.840 --> 0:42:41.600 Do what's right. Leave now. Under President Trump America's laws, 0:42:41.719 --> 0:42:44.200 border and families will be protected. 0:42:44.280 --> 0:42:46.200 Sponsored by the United States Department of Homeland. 0:42:46.040 --> 0:42:48.800 Security with the five thousand dollars check security deposit's. 0:42:48.840 --> 0:42:51.319 Like I just had a bag of cash that I 0:42:51.400 --> 0:42:53.640 just had never seen before all at one time after 0:42:53.719 --> 0:42:56.840 that first deal public and it allowed me. Like I said, 0:42:56.920 --> 0:42:59.560 after that, I have been reading Money Master, the game 0:42:59.600 --> 0:43:01.200 all at I went and took most of the money, 0:43:01.280 --> 0:43:03.560 put it in Vanguard index funds. All of that kind 0:43:03.560 --> 0:43:04.880 of stuff. I went and bought me a jag and 0:43:04.880 --> 0:43:06.520 took a vacation got the jaz. 0:43:06.600 --> 0:43:14.840 Yeah, we definitely got me jaz immediately immediately thereafter. 0:43:15.000 --> 0:43:15.319 We know. 0:43:16.360 --> 0:43:20.160 Okay, so all that, how long did that take for 0:43:20.200 --> 0:43:22.359 you to start the program to get you first? 0:43:22.400 --> 0:43:23.560 My first deal was six months. 0:43:23.560 --> 0:43:23.719 Man. 0:43:24.360 --> 0:43:26.280 People think it's like it's this long process. 0:43:26.320 --> 0:43:29.280 So the first deal was six months from the time 0:43:29.360 --> 0:43:31.720 I met with my mortgage counselor to the time I closed. 0:43:31.760 --> 0:43:33.560 I met with my mortgage counselor in December because I 0:43:33.560 --> 0:43:35.640 went to the meeting in October and I just wanted 0:43:35.640 --> 0:43:37.160 to give myself a couple of months, just like I said, 0:43:37.160 --> 0:43:38.719 to kind of like get some things in order before 0:43:38.719 --> 0:43:41.000 I went and met with a mortgage counselor. From October 0:43:41.040 --> 0:43:42.960 to December, I kind of got some things in order, 0:43:43.040 --> 0:43:45.160 credit all that kind of stuff, pulled the documents that 0:43:45.160 --> 0:43:45.520 I needed. 0:43:45.560 --> 0:43:48.520 When I met with him, he told me everything I needed. 0:43:48.520 --> 0:43:49.879 And he was the person that gave me to play 0:43:49.880 --> 0:43:52.520 and told me to bring my girl back because he's like, 0:43:52.600 --> 0:43:53.480 y'all not married or nothing. 0:43:53.480 --> 0:43:54.040 No, y'all. 0:43:54.200 --> 0:43:56.080 I was like, no, He's like, look this to play. 0:43:56.080 --> 0:43:58.160 I see what you're trying to do. I like your style, 0:43:58.320 --> 0:43:59.759 Like you know what I'm saying, Like, just you a 0:43:59.760 --> 0:44:02.520 cool He's like, you seem like you about your money. 0:44:02.520 --> 0:44:04.359 He's like, so this is what you do. You go 0:44:04.400 --> 0:44:06.520 get you one, then you bring her back and y'all 0:44:06.520 --> 0:44:08.200 get another one. 0:44:08.200 --> 0:44:10.600 I want to talk about that because that's dividing conquer strategy. 0:44:10.800 --> 0:44:14.520 Julian Gordon has spoken about this MG the mortgage Guy, 0:44:15.160 --> 0:44:19.960 where if you're not married, it's actually beneficial. A lot 0:44:20.000 --> 0:44:22.000 of times people will be like, all right, well I'm 0:44:22.080 --> 0:44:32.040 not buying a home until we get married. Crazy, which so, 0:44:32.520 --> 0:44:36.800 but there's actually benefits in place for buying a home 0:44:37.560 --> 0:44:40.799 not being married, absolutely, because you can buy you each 0:44:40.880 --> 0:44:44.600 can own a home individually, and then you can always 0:44:44.600 --> 0:44:48.040 buy a home together when you're married. So the dividing 0:44:48.080 --> 0:44:50.839 conquer strategy is something that people have talked about. So 0:44:51.920 --> 0:44:57.080 explain this because another thing that people can say is like, 0:44:57.200 --> 0:44:58.960 well I don't want to buy a home with somebody 0:44:59.000 --> 0:45:01.040 then we break up, but you actually went through a. 0:45:00.960 --> 0:45:02.880 Breakoup, yeah, so I've been through it. 0:45:03.160 --> 0:45:06.120 Explain Explain this that the second the second play. 0:45:06.000 --> 0:45:08.359 Okay, so the second play again, we took her back 0:45:08.520 --> 0:45:10.520 or whatever the case. Your girlfriend at the top it's 0:45:10.520 --> 0:45:11.920 my girl at the time, we took her back, and 0:45:11.920 --> 0:45:14.480 by me knowing the program, I'm like, yo, I can 0:45:14.520 --> 0:45:17.400 go big. So I'm looking at Chicago's biggest and best neighborhoods. 0:45:17.440 --> 0:45:18.920 I know the maximum on four unions. I know I 0:45:18.960 --> 0:45:20.759 can go up to nine hundred and fifty thousand dollars 0:45:20.800 --> 0:45:22.120 all this, So I'm like, oh shit, We're going to 0:45:22.160 --> 0:45:25.000 the North Side, Lincoln Park, Bucktown, Worker Park. These are 0:45:25.080 --> 0:45:26.680 areas that you know what I mean, young, You know 0:45:26.719 --> 0:45:29.319 what I mean. People who are making one two hundred thousand, Now, 0:45:29.360 --> 0:45:31.080 these are the areas they moving in. They're not married, 0:45:31.160 --> 0:45:34.279 but everything within walking distance, buses, trains, like you know 0:45:34.360 --> 0:45:37.280 what I mean. It's a popping, gentrifying area in Chicago. 0:45:37.600 --> 0:45:39.799 And I'm like, that's what we're going. So we go 0:45:39.920 --> 0:45:43.400 up there and this process takes a year because we 0:45:43.600 --> 0:45:45.560 just could not get deals like you know what I mean, 0:45:45.719 --> 0:45:48.000 Like it just wasn't working out for us. But again, 0:45:48.040 --> 0:45:49.560 at the end of y'all will understand why I'm not 0:45:49.680 --> 0:45:53.000 working out, because God's timing is the best timing. We 0:45:53.040 --> 0:45:55.480 went through probably four or five different deals where we 0:45:55.640 --> 0:45:58.840 just got turned down. No, almost lost ten thousand dollars 0:45:58.840 --> 0:46:02.000 in earnest money, just like went through the ringer with 0:46:02.080 --> 0:46:05.759 this second one. But then we finally went to see 0:46:05.760 --> 0:46:10.560 a property, and this property was amazing because it's almost 0:46:10.560 --> 0:46:12.560 like a two for one. Y'all call them eighty us 0:46:12.600 --> 0:46:15.200 out here. We call them coach houses in Chicago. But 0:46:15.280 --> 0:46:17.480 this particular property, it had a three unit building in 0:46:17.480 --> 0:46:19.560 the front of the lot and in the back of 0:46:19.600 --> 0:46:21.080 the lot there's a coach house. 0:46:21.320 --> 0:46:22.759 And this ain't no regular coach house. 0:46:23.320 --> 0:46:26.560 This house has twelve foot call for ceilings, floating stairs, 0:46:27.719 --> 0:46:31.280 just cherrywool oak floors. The guy who built the property 0:46:31.360 --> 0:46:33.640 was a developer and he stayed there with his family 0:46:33.680 --> 0:46:36.440 while collecting rent from the building in front. So essentially 0:46:36.440 --> 0:46:38.399 this is a two for one. And like I said, 0:46:38.400 --> 0:46:40.920 it's not a small property. I do peer space in 0:46:40.960 --> 0:46:42.520 this thing. Make a ton of money in it right 0:46:42.520 --> 0:46:45.439 now with her still living in it. So that deal 0:46:45.560 --> 0:46:48.000 went like all right. We went to this guy walked 0:46:48.000 --> 0:46:50.560 the property, like, yo, the property is amazing. He told us, Look, 0:46:50.719 --> 0:46:53.040 the three units in the front, they all generating between 0:46:53.040 --> 0:46:55.799 sixteen and eighteen hundred dollars a month. I'm like, yes, 0:46:56.520 --> 0:47:00.239 cause I knew what numbers I needed. And then I 0:47:00.280 --> 0:47:02.200 told my mortgage counselor about it. He's like, bro, the 0:47:02.239 --> 0:47:04.759 only way you're gonna be able to afford this, He's like, 0:47:04.880 --> 0:47:07.400 y'all gonna need about eighty thousand dollars. 0:47:07.920 --> 0:47:11.319 And I'm like, he like, you got that. I'm like, 0:47:11.960 --> 0:47:12.560 not quite. 0:47:12.719 --> 0:47:16.040 But mind you, I had took like out of the 0:47:16.080 --> 0:47:18.360 twenty six thousand, I had put like twenty of that 0:47:18.800 --> 0:47:20.840 into the stock market. And this is right when Trump 0:47:20.840 --> 0:47:23.479 had got in office, so that twenty had turned into 0:47:23.560 --> 0:47:25.799 like twenty nine to thirty, you know what I'm saying. 0:47:25.920 --> 0:47:27.920 I realized that, like, yo, I still got money in 0:47:27.920 --> 0:47:28.640 the stock market. 0:47:28.960 --> 0:47:29.800 She had some bread. 0:47:29.840 --> 0:47:31.719 And then the rest we had to get from a 0:47:31.800 --> 0:47:34.279 seller's you know what I mean, concession, which again I 0:47:34.280 --> 0:47:35.960 told you all, he was willing to give us whatever 0:47:36.000 --> 0:47:38.440 we needed because he wanted to sell it to a 0:47:38.480 --> 0:47:40.359 minority couple as opposed to you know what I mean, 0:47:40.400 --> 0:47:41.840 anybody white or an investor. 0:47:42.200 --> 0:47:43.760 And that worked out in our favor. 0:47:43.880 --> 0:47:46.239 So with that deal, we were able to buy an 0:47:46.280 --> 0:47:49.000 interest rate down from three and a half percent to 0:47:49.120 --> 0:47:49.840 zero point. 0:47:49.680 --> 0:47:51.840 Eight percent your interest, yes. 0:47:51.800 --> 0:47:56.480 Which made the mortgage go from thirty nine hundred dollars 0:47:56.480 --> 0:47:57.759 to twenty seven hundred dollars. 0:47:58.920 --> 0:47:59.759 How'd you get the interest rate? 0:47:59.840 --> 0:47:59.960 Now? 0:48:00.080 --> 0:48:01.799 I not gonn allow you to buy the interest rate down? 0:48:01.840 --> 0:48:04.200 He gave us forty thousand dollars and we use some 0:48:04.239 --> 0:48:05.920 of our own but buy the. 0:48:05.920 --> 0:48:06.440 Interest rate then? 0:48:07.040 --> 0:48:09.040 How low? I mean the point, how low can you go? 0:48:09.400 --> 0:48:09.480 Right? 0:48:11.120 --> 0:48:11.359 Great? 0:48:11.600 --> 0:48:13.400 So at this point they don't even let people go 0:48:13.440 --> 0:48:14.120 there low anymore. 0:48:14.400 --> 0:48:16.520 Essentially broke the bank, like they changed the rules, like 0:48:16.560 --> 0:48:17.680 you can't buy your interest rate. 0:48:17.600 --> 0:48:20.560 Below one percent anymore. Like it's for need throw to buy. 0:48:20.400 --> 0:48:21.839 An interest rate, you just you put a lump sum 0:48:21.840 --> 0:48:23.879 of money up front here. 0:48:24.520 --> 0:48:27.479 So essentially I gave them was about seventy five eighty 0:48:27.520 --> 0:48:30.120 thousand dollars to save four hundred thousand dollars an interest 0:48:30.160 --> 0:48:32.320 on the back end. So it's like I gave y'all 0:48:32.400 --> 0:48:35.200 eighty bands to save four hundred just extra money that 0:48:35.239 --> 0:48:37.440 I would have been paying. In addition to that, it 0:48:37.560 --> 0:48:40.279 gave me twelve hundred dollars extra you know what I mean, 0:48:40.320 --> 0:48:43.120 savings on the mortgage. So that made it way more 0:48:43.160 --> 0:48:44.960 than affordable because, like I said, we now have a 0:48:44.960 --> 0:48:46.960 twenty seven hundred dollars mortgage with. 0:48:47.040 --> 0:48:49.040 Rents of five thousand dollars. 0:48:49.160 --> 0:48:51.080 Now my network then jumped up to one and a 0:48:51.120 --> 0:48:54.640 half million dollars in real estate through the knack of program. 0:48:54.719 --> 0:48:56.239 It's built relationships. 0:48:57.040 --> 0:49:00.000 I have a brand, I have a book, I travel, 0:49:00.160 --> 0:49:02.840 I do public speaking. I'm here talking to the biggest 0:49:02.880 --> 0:49:07.160 and the best. Also true all because of that first 0:49:07.200 --> 0:49:09.640 deal with the Knacker program. My relationships have grown to 0:49:09.640 --> 0:49:11.520 the point where I'm able to learn from other people 0:49:11.600 --> 0:49:14.640 in my industry because they're attracted to me because of 0:49:14.680 --> 0:49:16.839 how I did my deals. Like I have investors who 0:49:16.840 --> 0:49:19.840 are worth fifteen twenty thirty million. I go to Bigger 0:49:19.840 --> 0:49:22.400 Pockets conference and things like that. They're like a zero 0:49:22.440 --> 0:49:24.839 point eight percent interest rate. These are the biggest real 0:49:24.920 --> 0:49:27.400 estate investors in the world. We're talking about here that 0:49:27.520 --> 0:49:29.120 you know what I'm saying, And they like, how did 0:49:29.160 --> 0:49:30.759 you get a zero point eight how did you get 0:49:30.800 --> 0:49:33.520 a twenty a half percent? Like no money down. I've 0:49:33.560 --> 0:49:36.719 never heard of this program, And you would think people. 0:49:36.520 --> 0:49:40.080 Know about this, and they don't Knacker for anybody or 0:49:40.120 --> 0:49:41.960 you have to anybody lower income. 0:49:42.320 --> 0:49:46.239 So it's it's it's designed for lower income people, but 0:49:46.320 --> 0:49:48.239 you can do Knacker as a high income earner too. 0:49:48.280 --> 0:49:50.680 They'll just consider you what's called a non priority member, 0:49:50.680 --> 0:49:52.319 to whereas your interest rate will be a little bit 0:49:52.360 --> 0:49:54.759 higher than the priority members, but it's still going to 0:49:54.840 --> 0:49:58.440 be below the national average. And you can't buy in 0:49:58.480 --> 0:50:02.319 a neighborhood that the median income is higher than your 0:50:02.360 --> 0:50:02.960 media income. 0:50:03.000 --> 0:50:04.839 It has to be equal to or less than your 0:50:04.880 --> 0:50:06.120 media luxury. 0:50:06.320 --> 0:50:09.800 Yeah, So for example, if you make two hundred and 0:50:09.840 --> 0:50:11.960 fifty thousand dollars, you will probably have to buy a 0:50:12.000 --> 0:50:15.600 neighborhood where the median income is one hundred thousand, one 0:50:15.640 --> 0:50:17.920 hundred and fifty meters. I was making twenty six I 0:50:17.960 --> 0:50:20.200 can go buying a million dollar neighborhood. Because their goal 0:50:20.280 --> 0:50:22.799 is to balance out neighborhoods. NAKA doesn't want good or 0:50:22.800 --> 0:50:25.520 bad neighborhoods. They want it to be all neighborhoods are equal. 0:50:25.719 --> 0:50:28.439 The median income across all these neighborhoods are the same, 0:50:28.480 --> 0:50:30.399 and that's how you create balance by putting people who 0:50:30.400 --> 0:50:32.799 make thirty thousand in this neighborhood and people who make 0:50:32.840 --> 0:50:35.000 two hundred thousand in this neighborhood, and it just kind 0:50:35.000 --> 0:50:37.359 of like levels everything out so that way you don't 0:50:37.400 --> 0:50:39.239 have red lining and things like that. 0:50:39.440 --> 0:50:42.239 Can the high income earner. Can they buy down the 0:50:42.280 --> 0:50:44.239 industry as well? How low can we go? 0:50:44.840 --> 0:50:47.000 I think about one percent at this point one percent. 0:50:48.160 --> 0:50:51.480 What's some of the mistakes that people make with KNAK. 0:50:51.680 --> 0:50:53.960 I think the biggest mistake is probably just trying to 0:50:53.960 --> 0:50:56.400 get a faint single family as opposed to multi family. 0:50:56.440 --> 0:50:59.120 That's one. That's one and then two. 0:50:59.440 --> 0:51:02.160 Feeling like it's gonna be easy because you hear me 0:51:02.200 --> 0:51:04.960 talk about you no down payment, no closing costs, like yeah, 0:51:05.000 --> 0:51:06.799 it's your lick, but it's just like it's still going 0:51:06.880 --> 0:51:08.960 to be a process, like yeah, this is gonna be 0:51:09.000 --> 0:51:10.600 your move, this is your blessing right here. When you 0:51:10.600 --> 0:51:14.080 hear me talk that, get excited, but know that it's 0:51:14.160 --> 0:51:16.279 not going to be easy just because you heard all 0:51:16.360 --> 0:51:18.960 these benefits in the thirty second clip. Make sure you 0:51:19.000 --> 0:51:20.960 go do your own due diligence. Make sure you go 0:51:21.000 --> 0:51:22.920 watch the full interview. When I tell you about how 0:51:22.960 --> 0:51:25.319 I almost lost ten thousand dollars. When I tell you 0:51:25.320 --> 0:51:27.319 about they may slow drag when I tell you about 0:51:27.360 --> 0:51:29.319 they may not pick up the phone, Like when I 0:51:29.360 --> 0:51:31.120 tell you may have to pull up to the office, 0:51:31.320 --> 0:51:32.160 knock some shit off the. 0:51:32.160 --> 0:51:34.319 Desk, yell at Some people let them know you serious, Like, 0:51:34.640 --> 0:51:37.480 don't skip that part. You know what I'm saying, Like, 0:51:37.640 --> 0:51:38.640 don't skip that part? 0:51:39.719 --> 0:51:43.279 Is there? I guess a database to show you because 0:51:43.480 --> 0:51:46.239 obviously you know what the knack of offices where you live. 0:51:46.280 --> 0:51:49.440 But if I'm living in a different state because a 0:51:49.480 --> 0:51:53.560 website that fines like whether, well. 0:51:53.520 --> 0:51:55.200 All right, let's talk about the landlord side of it. 0:51:55.640 --> 0:51:57.960 What did you learn? What have you learned as far 0:51:58.000 --> 0:51:58.920 as being a landlord? 0:51:59.360 --> 0:52:02.560 Patience man, just understand one. 0:52:02.920 --> 0:52:05.680 So during the pandemic, So the Puerto Rican who sold 0:52:05.760 --> 0:52:08.279 us the second property right, his brother was in the 0:52:08.280 --> 0:52:09.280 garden unit of the building. 0:52:09.360 --> 0:52:10.720 He was just doing his brother a favor. 0:52:11.440 --> 0:52:14.279 And at the time, we couldn't have his brother move 0:52:14.719 --> 0:52:17.720 because we needed the income to qualify for the property. 0:52:18.000 --> 0:52:19.840 So as bad as I wanted him to move, I 0:52:19.880 --> 0:52:22.879 couldn't put him out, you know what I mean. And 0:52:22.920 --> 0:52:25.799 his brother ended up extending his lease out for a year, 0:52:26.239 --> 0:52:30.160 which guaranteed he stayed there. It was a small, one 0:52:30.200 --> 0:52:32.880 bedroom apartment. Man, this dude had a big rock whiler 0:52:32.920 --> 0:52:35.919 in there, just like you know, just a single junkie guy, 0:52:36.000 --> 0:52:37.840 like no women in his life, just like you know. 0:52:37.880 --> 0:52:43.280 It was just all bad and man, terrible, terrible, terrible. 0:52:42.920 --> 0:52:46.000 Cigarettes like you know, just like gunk all over the stove, 0:52:46.120 --> 0:52:47.840 and it just it was just bad. 0:52:48.400 --> 0:52:49.080 It was just bad. 0:52:49.120 --> 0:52:50.799 And I know I know the guy. I don't know him, 0:52:51.560 --> 0:52:58.359 but I know, yeah. 0:52:58.600 --> 0:53:01.640 All he took dog like you know what I'm saying, 0:53:02.120 --> 0:53:02.680 you tripping. 0:53:03.200 --> 0:53:06.280 So he tried to, you know, pull the whole pandemic 0:53:06.360 --> 0:53:07.960 move where he aires the pandemic. 0:53:08.000 --> 0:53:11.000 I ain't got to pay, right, he tried to run 0:53:11.040 --> 0:53:16.239 a pandemic player listen, so listen. Everybody else wants. So 0:53:16.280 --> 0:53:16.719 it's the thing. 0:53:16.800 --> 0:53:19.279 Everybody else paid me throughout the pandemic. I never had 0:53:19.280 --> 0:53:22.799 an issue. Everybody paid except for him. Mind you, he 0:53:22.960 --> 0:53:25.239 was a mover. I'm hearing this dude's truck start up 0:53:25.400 --> 0:53:27.440 every morning and go to work and move people. 0:53:27.520 --> 0:53:29.560 Right, But he acting like he ain't got no money. 0:53:29.760 --> 0:53:32.920 So I'm like, bro, all right, cool like and then 0:53:33.200 --> 0:53:36.000 God always look out for me, bro, like always, like, 0:53:36.280 --> 0:53:38.399 I just feel like I'm one of God's favorites. Man, 0:53:38.560 --> 0:53:40.439 two weeks after he starts trying to pull that shit, 0:53:40.719 --> 0:53:41.920 his apartment starts flooding. 0:53:42.480 --> 0:53:45.400 I'm not getting that shit fixed, bro, I'm not getting 0:53:45.400 --> 0:53:46.040 that shit fixed. 0:53:46.239 --> 0:53:49.560 And in that frame of the month. Man it rained 0:53:49.560 --> 0:53:54.200 about seven times, about seven times. So mind you he's 0:53:54.239 --> 0:53:55.080 walking around and. 0:53:55.080 --> 0:53:58.200 Poop water dog here, his dog is wet. His dog 0:53:58.280 --> 0:53:59.960 here is so poopwater is just. 0:54:00.760 --> 0:54:03.239 Man, he ran out of that place, like when I 0:54:03.280 --> 0:54:05.000 tell y'all, he ran out of he he couldn't get 0:54:05.000 --> 0:54:06.480 out of there fast enough. So I didn't even have 0:54:06.480 --> 0:54:08.200 to put him out. I didn't have to e victim. 0:54:08.400 --> 0:54:10.080 The flood got him out. And I just refused to 0:54:10.080 --> 0:54:11.400 get it fixed because he was just like, man, you're 0:54:11.400 --> 0:54:12.719 gonna keep it on, letting it flop, like you're gonna 0:54:12.719 --> 0:54:15.160 pay me a rent? Like what are you talking about, 0:54:15.160 --> 0:54:17.799 like even exchange, no rent money, no fix. 0:54:18.080 --> 0:54:20.319 But could he could he have made because I know, 0:54:20.400 --> 0:54:23.719 like these tenants have a lot of laws in place. 0:54:23.920 --> 0:54:25.799 In Chicago, they definitely do, because like. 0:54:25.719 --> 0:54:27.520 In New York, you don't even have to pay rent 0:54:27.680 --> 0:54:31.840 for like a year, maybe sometimes even longer, and you 0:54:31.960 --> 0:54:36.000 still the landlord still has to do whatever you tell 0:54:36.080 --> 0:54:36.400 him to do. 0:54:36.600 --> 0:54:37.080 That's crazy. 0:54:37.120 --> 0:54:39.840 But like Georgia is a landlord of friendly states, so 0:54:39.880 --> 0:54:41.479 you can evict somebody in like seven days. 0:54:42.080 --> 0:54:44.319 I wish we could do that in Chicago. But blessed enough, 0:54:44.400 --> 0:54:45.360 like I haven't had to. 0:54:45.560 --> 0:54:47.560 And even with him, it just took two weeks for 0:54:47.640 --> 0:54:49.200 him to go because the rain, Like I said, bro, 0:54:49.280 --> 0:54:51.000 like just imagine waking up in the middle of the 0:54:51.080 --> 0:54:54.000 night and shit water and pee and just like and 0:54:54.040 --> 0:54:56.640 then you're like your dog, like your dog laying in this. 0:55:00.600 --> 0:55:02.640 But on the other hand, when he leaves, now now 0:55:02.680 --> 0:55:04.680 I have to clean up. Now you have to so 0:55:04.719 --> 0:55:08.360 like having reserves, talk about that money to repair it. 0:55:08.120 --> 0:55:10.680 Said, listen, that's that's the bare minimum as far as 0:55:10.719 --> 0:55:13.160 my reserves, y'all. I had a thirty thousand dollars plumber 0:55:13.160 --> 0:55:17.960 issue that beat my ass, like like so that that flooding. 0:55:17.800 --> 0:55:19.400 H did you know prior to the flood The. 0:55:20.200 --> 0:55:22.680 Flooding is what let me know that she's gonna cost 0:55:22.680 --> 0:55:24.000 thirty thousand dollars to fix. 0:55:24.520 --> 0:55:27.400 Talk about that. So I saw you talk about that before. 0:55:27.360 --> 0:55:28.120 On ran to gyms. 0:55:28.640 --> 0:55:33.680 So that happened, and I'm just like, I'm trying to 0:55:33.680 --> 0:55:35.520 patch this thing up for like a year, you know 0:55:35.560 --> 0:55:35.960 what I'm saying. 0:55:35.960 --> 0:55:36.279 They went on. 0:55:36.320 --> 0:55:37.759 I'm trying to Like I had the plumbers coming out 0:55:37.800 --> 0:55:39.000 here like all right, cool, we can do this. This 0:55:39.080 --> 0:55:40.440 is a short job we can do to kind of 0:55:40.440 --> 0:55:43.600 like fix it. But then it kept on happening, and Uh, 0:55:43.719 --> 0:55:45.319 the plumber came out. He's like, Bro, I got some 0:55:45.360 --> 0:55:47.680 bad news for you. He's like, the only way we 0:55:47.680 --> 0:55:49.720 can do this, we got to dig under the ground. 0:55:50.239 --> 0:55:52.719 We gotta get to the pipe. Now only do we 0:55:52.719 --> 0:55:53.600 gotta dig under. 0:55:53.400 --> 0:55:55.040 The ground, Like we have to go get a like 0:55:55.120 --> 0:55:57.080 an excavation machine. 0:55:57.200 --> 0:55:59.640 Like and you like you pay for that. 0:55:59.680 --> 0:56:01.880 They don't pay for that, Like so now you're renting 0:56:01.920 --> 0:56:05.320 excavation machines. You're renting you're paying the person to operate 0:56:05.320 --> 0:56:07.480 the excavation machine. Now they have to dig down ten 0:56:07.520 --> 0:56:10.440 feet under the concrete, dirt all that get to the pipe, 0:56:10.840 --> 0:56:14.200 take the pipe out, replace the pipe, put new dirt, 0:56:14.280 --> 0:56:16.760 put new concrete, all of these different things. 0:56:17.040 --> 0:56:19.239 And he's like, ye, it's gonna be about thirty thousand dollars. Bro. 0:56:19.360 --> 0:56:24.239 My heart fell into my stomach Like what bro? Like 0:56:24.360 --> 0:56:28.319 what like like like thirty bands? Like you're talking about 0:56:28.320 --> 0:56:30.040 the down payment on another property type shit. 0:56:30.800 --> 0:56:35.280 Like you're like, yeah, so blessed enough. I'm financially literate. 0:56:35.800 --> 0:56:38.680 I use credit business credit interest free business credit. 0:56:39.719 --> 0:56:40.319 You know what I mean. 0:56:40.440 --> 0:56:43.399 I used one of my cards swiped that been paying 0:56:43.440 --> 0:56:45.799 it down with the rent ever since then. I'm still 0:56:45.800 --> 0:56:48.160 paying on that shit right now. But the thing is 0:56:48.640 --> 0:56:51.440 financial literacy. Once that interest free is up, I just 0:56:51.480 --> 0:56:53.160 transfer the balance to a new car, you know what 0:56:53.160 --> 0:56:55.239 I'm saying interest free, So that way, at least I'm 0:56:55.280 --> 0:56:57.880 not paying extra money on it. The rents have increased 0:56:57.960 --> 0:57:00.480 over time, pier space is running up a bad so 0:57:00.560 --> 0:57:03.840 it allows me to still take care of that without 0:57:04.000 --> 0:57:04.920 it coming out of my arm. 0:57:05.480 --> 0:57:07.239 It could be a blessing, right because I've had that 0:57:07.280 --> 0:57:10.520 same sit little situation shower. I started seeing like the 0:57:10.520 --> 0:57:13.640 water wasn't going down, like what's happening? Called the plumber. 0:57:13.719 --> 0:57:15.759 They're like, you got a belly in your pipes? I said, 0:57:15.920 --> 0:57:18.120 what is that? Right? And then they put the you know, 0:57:18.200 --> 0:57:21.560 the camera camera like that's the belly and then you 0:57:21.600 --> 0:57:24.320 look at it and it's like it's literally see you ye, 0:57:24.760 --> 0:57:26.360 And now the water can't get out. I said, well, 0:57:26.400 --> 0:57:27.920 how much is going to cost to fix? They were like, 0:57:28.040 --> 0:57:30.880 you want the rough essment or real essment? Said give 0:57:30.920 --> 0:57:33.360 me the real one. He said about twenty five thousand. 0:57:34.200 --> 0:57:36.360 I was like, well to fix this like now, he's like, yeah, 0:57:36.360 --> 0:57:38.120 twenty five thousand, and if we have to go out 0:57:38.160 --> 0:57:39.480 to the street. We got to call the town. We're 0:57:39.480 --> 0:57:41.440 gonna have the permits is probably gonna be forty thousand. 0:57:41.840 --> 0:57:46.240 And you're sitting there. You have a family, We can't 0:57:46.240 --> 0:57:47.960 take a shower, we can't watch the dies. 0:57:48.680 --> 0:57:50.720 And for me it was my tenants. It's like, I 0:57:50.760 --> 0:57:52.240 can't have people living like. 0:57:52.280 --> 0:57:54.640 This, Like I would be foul to say yo to 0:57:54.720 --> 0:57:57.360 constantly just keep trying to patch this up, and my 0:57:57.440 --> 0:58:00.439 tenant's furniture and roads and all these things are getting 0:58:00.480 --> 0:58:03.200 damaged and they're getting pissed, like dude, when are you 0:58:03.240 --> 0:58:05.080 going to get this fixed? It's like you can't keep 0:58:05.120 --> 0:58:07.000 on trying to patch this up because it keeps happening. 0:58:07.040 --> 0:58:08.680 But on the other side of it is like, now 0:58:08.840 --> 0:58:11.360 that that it's fixed, it adds value. 0:58:11.160 --> 0:58:13.760 Adds value because you got the whole new plumbing line exactly. 0:58:13.880 --> 0:58:17.800 All of these things in plumbing, electrical, roofwork, certain things 0:58:17.840 --> 0:58:20.000 add value to your property. So now I just added 0:58:20.040 --> 0:58:22.360 brand new plumbing lines to my property, which gave me, 0:58:22.520 --> 0:58:25.320 you know what I mean, sweat equity. When did you 0:58:25.360 --> 0:58:29.080 buy your first home twenty fifteen? How much was it 0:58:29.320 --> 0:58:30.760 three hundred and sixty thousand dollars? 0:58:30.800 --> 0:58:31.560 How much is it now? 0:58:31.760 --> 0:58:33.520 Five hundred and ninety thousand dollars. 0:58:33.600 --> 0:58:35.680 He said it with a smile, And I didn't pay 0:58:35.680 --> 0:58:39.520 anything should and mind you three hundred and sixty thousand. 0:58:39.840 --> 0:58:42.880 The mortgage has been paid down for eight years by 0:58:42.920 --> 0:58:46.000 the tenants. I've been living for free. So that's all. Like, 0:58:46.080 --> 0:58:48.600 once I sell this thing, it's going to be all 0:58:48.680 --> 0:58:52.360 profit on top of twenty or thirty years of cash flow? 0:58:52.760 --> 0:58:55.680 Are you getting positive cash flow now? Seventeen hundred a 0:58:55.720 --> 0:58:57.000 month from a. 0:58:57.000 --> 0:59:00.920 Place that I live? They know you're I'm cool. I'm 0:59:00.960 --> 0:59:04.760 like the coolest landlord. Like so. 0:59:06.360 --> 0:59:08.479 Yeah, so so like if I go do something big 0:59:08.600 --> 0:59:10.960 or something like that, I wouldn't I wouldn't tell nobody, 0:59:11.000 --> 0:59:13.160 but for this kind of stuff, and a lot of 0:59:13.160 --> 0:59:16.000 people like, yeah, don't tell, Like nah, man, get familiar 0:59:16.040 --> 0:59:18.240 with your tennis. Get build a relationship with your tennis, 0:59:18.280 --> 0:59:19.680 like you know what I mean. Like that's that's a 0:59:19.720 --> 0:59:22.240 good thing. Like don't in that way, it's easy for 0:59:22.240 --> 0:59:25.080 you to have certain conversations without people getting offended or anything. 0:59:25.200 --> 0:59:27.800 Like hey, miss Jones, don't forget it's the fifth Make 0:59:27.840 --> 0:59:30.120 sure you pay your rent tomorrow. I ain't gonna charge 0:59:30.160 --> 0:59:31.640 you a late fee, but make sure you like you 0:59:31.680 --> 0:59:33.840 know what I mean, just like you have these relationships 0:59:33.840 --> 0:59:36.440 and you can like you know, you watch people, kids 0:59:36.480 --> 0:59:38.520 grow up, and just like all of these different things 0:59:38.520 --> 0:59:40.720 that I've gotten to learn and see as a landlord. Man, 0:59:40.760 --> 0:59:43.160 it's actually pretty cool to have relationships with my tenants. 0:59:43.200 --> 0:59:46.600 And the main thing for me is, man, you treat 0:59:46.640 --> 0:59:50.240 people with respect, You provide quality living spaces for people. 0:59:50.280 --> 0:59:52.680 You don't do slum lord shit. I promise you your 0:59:52.720 --> 0:59:55.160 tennants are going to take care of you like they're 0:59:55.160 --> 0:59:56.520 gonna take care of you, because at the end of 0:59:56.520 --> 1:00:00.560 the day, this is their home's mine and with them 1:00:00.640 --> 1:00:03.920 living here. How many people do you know like to 1:00:03.960 --> 1:00:07.360 tear up their own shit. It's rare, of course, you 1:00:07.440 --> 1:00:10.240 see it. Sometimes people live in some pretty fucked up places. 1:00:10.280 --> 1:00:12.800 But a lot of times in those situations, people don't 1:00:12.800 --> 1:00:14.800 care because the landlord ain't taking care of the property 1:00:14.840 --> 1:00:17.680 the way that they're supposed to. When you taking care 1:00:17.720 --> 1:00:20.000 of your stuff, people who have nice stuff, they like 1:00:20.040 --> 1:00:22.920 to keep it nice. I've never before I was a landlorder. 1:00:22.960 --> 1:00:25.919 I've never lived somewhere and I just tore the place 1:00:26.000 --> 1:00:27.840 up or nothing like. I like nice shit, so I 1:00:27.960 --> 1:00:29.480 like to you know what, I mean, take care of it, 1:00:29.560 --> 1:00:31.080 keep it nice. If I had company, I'm want to 1:00:31.120 --> 1:00:34.640 come through. All this is nice, Like that's just common sense. 1:00:34.440 --> 1:00:37.680 Right, So can you rEFInd out of the knocker? 1:00:37.840 --> 1:00:41.360 Hell yeah, boy, rashad, I'm sitting on so much equity 1:00:41.440 --> 1:00:41.800 right now. 1:00:41.880 --> 1:00:43.240 Right so in order for me to. 1:00:43.160 --> 1:00:44.880 Go get a home equity line of credit and pull 1:00:44.960 --> 1:00:47.840 money out of a property that I own, I got it. 1:00:47.880 --> 1:00:51.919 Your income and please go show income before you start 1:00:51.960 --> 1:00:52.880 talking about doing. 1:00:52.760 --> 1:00:55.000 Brrrs and all this kind of stuff. 1:00:55.040 --> 1:00:57.000 These terms, it's all over the internet because at the 1:00:57.080 --> 1:00:59.560 end of the day, you have to know the terms 1:00:59.600 --> 1:01:02.000 of doing these things before you go out and do it. 1:01:02.040 --> 1:01:04.439 Because yeah, that's your money, but it ain't your money, 1:01:04.440 --> 1:01:06.240 like it's your money in your pocket. You got to 1:01:06.280 --> 1:01:08.800 go get permission from the bank to access this money. 1:01:08.880 --> 1:01:09.680 And if you don't have a. 1:01:09.640 --> 1:01:11.760 Relationship with the bank and you can't show the bank 1:01:11.800 --> 1:01:13.320 that you're making money, the bank ain't even want to 1:01:13.320 --> 1:01:15.760 hear that shit at all. They gonna be like, boy, 1:01:15.800 --> 1:01:16.480 this's our money. 1:01:18.440 --> 1:01:21.240 We on this. So talk about the pair space play 1:01:21.400 --> 1:01:24.080 because you're you live in the one, but the one 1:01:24.080 --> 1:01:26.520 with your girlfriend. You are using pair of space. How 1:01:26.560 --> 1:01:28.240 you came to contact with it and what's the play 1:01:28.280 --> 1:01:28.440 on that. 1:01:29.080 --> 1:01:31.240 So pier space is something that I found out about 1:01:31.280 --> 1:01:34.120 when I was rapping. I used to, you know, have 1:01:34.320 --> 1:01:36.840 videographers or whatever, and we just always these dope places. 1:01:36.880 --> 1:01:38.560 But it would just be in the budget and what 1:01:38.560 --> 1:01:40.160 they charged me for and I'm like, bro, where you 1:01:40.160 --> 1:01:42.280 find this set or whatever the case may be. And 1:01:42.320 --> 1:01:44.080 I would hear them talk about peer space, but I 1:01:44.120 --> 1:01:46.240 just never looked into it. So one day I was 1:01:46.240 --> 1:01:48.919 shooting some content at the new house. Like I said, 1:01:48.920 --> 1:01:51.320 it's five so I like, man, it sounds for shoot 1:01:51.360 --> 1:01:53.800 all kind of content in this house. My guy was like, bro, 1:01:54.320 --> 1:01:56.320 you should consider putting his house on pier space. 1:01:56.360 --> 1:01:57.520 You would check a bag. 1:01:58.120 --> 1:01:59.640 And I'm just like, that's the shit you've been telling 1:01:59.640 --> 1:02:01.680 me about it all these years. He like, fam, I'm 1:02:01.680 --> 1:02:05.680 going to rent your house. Like I'm finna be calling 1:02:05.760 --> 1:02:08.200 you and renting your house. So the next day I 1:02:08.240 --> 1:02:09.920 went on peer space, you know, I went and took 1:02:09.960 --> 1:02:11.520 me some pictures of the property or whatever. 1:02:11.880 --> 1:02:12.080 Man. 1:02:12.120 --> 1:02:17.440 Two days later, bookings, bookings, bookings, bookings, bookings, video shoots, 1:02:17.560 --> 1:02:20.080 photo shoots. People want to come and host dinner parties. 1:02:20.120 --> 1:02:23.920 It's just like peer space. Peer Space is a vibe 1:02:23.920 --> 1:02:25.160 and a lot a lot of people still don't know 1:02:25.160 --> 1:02:25.640 about pair. 1:02:25.560 --> 1:02:28.720 Space, and it's crazy because the thing is you can 1:02:28.760 --> 1:02:30.800 still live there. It's not like Airbnb. 1:02:30.960 --> 1:02:34.280 You have to be gone and there's different rules like Airbnb. 1:02:34.360 --> 1:02:36.200 A lot of these buildings they don't even allow it 1:02:36.440 --> 1:02:38.680 allow and stuff like that, and they're cracking down. But 1:02:38.720 --> 1:02:40.720 like we found out about peer Space when we went 1:02:40.760 --> 1:02:44.520 to we got to show Revolt over aliability shots to Revolt, 1:02:44.760 --> 1:02:48.360 So when we we do like off set locations where 1:02:48.360 --> 1:02:51.120 we film with different stuff. So we were in l A. 1:02:51.440 --> 1:02:53.920 And we were filming in LA at this house on 1:02:53.960 --> 1:02:57.720 the hills and actually was at Atlanta. We were in Atlanta, 1:02:57.920 --> 1:03:01.280 La too, but Atlanta we was film in an episode 1:03:01.600 --> 1:03:06.080 and the lady who actually owned the house, she found 1:03:06.120 --> 1:03:08.560 out that we were filming in so she stayed because 1:03:08.560 --> 1:03:10.400 she was big fans of even Out so she wanted 1:03:10.400 --> 1:03:12.320 to introduce herself. So then she started giving us to 1:03:12.320 --> 1:03:13.720 play like yeah, you know, I rent this out the 1:03:13.720 --> 1:03:15.880 peer space. So then we went to LA and then 1:03:15.920 --> 1:03:18.760 we Revolt rented a spot there. So we were talking 1:03:18.800 --> 1:03:21.760 to like the production team and all that and they like, yeah, 1:03:22.400 --> 1:03:24.280 it's and the good thing about pair of space is that, 1:03:24.480 --> 1:03:26.640 especially like for that type of thing, it's only for 1:03:26.640 --> 1:03:29.600 a couple hours as opposed to the whole night, and 1:03:29.800 --> 1:03:32.040 it's a lot more money because it's like this is 1:03:32.600 --> 1:03:33.600 Revolt inc. 1:03:34.240 --> 1:03:38.840 That you can have them come for two hours, NBC 1:03:38.880 --> 1:03:42.120 come for two hours, CBS come for two hours. It's 1:03:42.200 --> 1:03:44.120 not like all right, cool, were getting five hundred for 1:03:44.120 --> 1:03:46.720 the night, Like nah, you can run this shit up 1:03:46.840 --> 1:03:48.800 and then two of The crazy thing is so I 1:03:48.840 --> 1:03:51.280 ran out my main floor, I ran out my office space, 1:03:51.360 --> 1:03:53.560 I ran out my bathroom, all separate. I can have 1:03:53.640 --> 1:03:56.160 three different things going on at the same time, getting 1:03:56.160 --> 1:03:57.840 three different bags all from the same. 1:03:57.640 --> 1:04:01.960 So airbnb is for people that want to come and 1:04:02.000 --> 1:04:04.760 stay the night and live there for a day. Peer 1:04:04.840 --> 1:04:06.680 spaces for people that want to do production, you. 1:04:06.760 --> 1:04:11.000 Create or like music video. 1:04:11.560 --> 1:04:13.840 What we're doing here is we just when we did 1:04:13.920 --> 1:04:16.760 that photoshoot, same thing somebody's from home. You got like 1:04:16.840 --> 1:04:19.600 five hours to do it, take the pictures, put everything 1:04:19.640 --> 1:04:21.440 back the same way. By the time they come home 1:04:21.440 --> 1:04:23.760 from work, you just made five hundred to one thousand 1:04:23.840 --> 1:04:26.120 dollars just coming on home on the train. 1:04:26.320 --> 1:04:27.800 If you live in a city that has like a 1:04:27.880 --> 1:04:32.120 media presence like New York, Chicago, Atlanta, La. There's always 1:04:32.120 --> 1:04:36.800 stuff happened, always stuff, Always something's happening, whether it's a production, 1:04:37.000 --> 1:04:38.640 a music video, dinner. 1:04:39.400 --> 1:04:41.760 Man, I don't have I've had so many YouTube like 1:04:41.840 --> 1:04:44.800 sensations come and do stuff in my crib like people 1:04:44.840 --> 1:04:45.880 with two million followers. 1:04:45.880 --> 1:04:47.960 I'm like, are you dude off of yeah? 1:04:48.600 --> 1:04:49.760 Like it's just be like you know what I made 1:04:49.800 --> 1:04:51.840 to be cool, like the kind of people you interact 1:04:51.840 --> 1:04:52.560 with and come across. 1:04:52.560 --> 1:04:54.440 And then to another thing about peer space. 1:04:54.920 --> 1:04:56.760 I feel like God put it in my life for 1:04:56.840 --> 1:04:58.880 me to be, you know, a testimony to a lot 1:04:58.920 --> 1:05:00.200 of the young guys. I get a lot out of 1:05:00.280 --> 1:05:03.400 Chicago rappers that'll come there. So when they see me, 1:05:03.760 --> 1:05:05.640 they see me look like this, you know what I mean. 1:05:05.640 --> 1:05:07.680 Sometimes I might spark up a smoke or something or whatever. 1:05:07.680 --> 1:05:10.360 They be like you own this. I'm like, yeah, this 1:05:10.400 --> 1:05:10.560 is me. 1:05:10.600 --> 1:05:11.960 I'm like I own the building in the front too, 1:05:12.040 --> 1:05:15.360 Like bruh how I'm like, man, just to play go 1:05:15.480 --> 1:05:17.600 through the NACA program. All this money you flashing in 1:05:17.640 --> 1:05:21.120 this video, like with that ship in an account, like 1:05:21.200 --> 1:05:23.600 you know what I'm saying, Like, build a relationship with 1:05:23.640 --> 1:05:25.640 a bank, like you know what I'm saying. They'll come 1:05:25.640 --> 1:05:26.960 in the house, they'll see you know what I mean, 1:05:27.040 --> 1:05:29.440 the CNBC, the stock market on They're like, Bro, you 1:05:29.520 --> 1:05:32.760 into this Like I know, I look like y'all, yes, 1:05:32.840 --> 1:05:35.760 but this is my lifestyle. Like I buy, I buy property, 1:05:36.000 --> 1:05:38.120 I invest in the stock market, I start businesses. 1:05:38.200 --> 1:05:39.440 I'm like, this is my clothing brands. 1:05:39.520 --> 1:05:41.600 You have a clothing bring yes, bro, Like I'm really 1:05:41.640 --> 1:05:44.000 out here, like going crazy all because of NAKA. 1:05:44.160 --> 1:05:45.560 Like it's just like. 1:05:47.880 --> 1:05:51.600 You feel me like like like respectfully humbly, like you 1:05:51.600 --> 1:05:54.000 know what I mean whole time Like yeah, y'all, and 1:05:54.080 --> 1:05:55.640 you can do the same thing. And when I talk 1:05:55.720 --> 1:05:58.400 to these guys like this, when I'm speaking their language 1:05:58.440 --> 1:06:00.920 and I'm speaking their lingo, they like, yo, I want 1:06:00.920 --> 1:06:01.360 to be like you. 1:06:02.120 --> 1:06:02.840 I'm doing this. 1:06:02.760 --> 1:06:06.040 Ship representation is like I'm doing this whole time thinking 1:06:06.080 --> 1:06:07.400 this is the only way for me to get rich. 1:06:07.440 --> 1:06:10.040 Here you are, you have thousands of people who follow 1:06:10.080 --> 1:06:12.680 you on Instagram. I'm trying to do everything that you're 1:06:12.760 --> 1:06:16.560 doing in a saturated lane, but here you are just 1:06:16.600 --> 1:06:17.280 flourishing in. 1:06:17.240 --> 1:06:19.360 Your own lane doing your thing Like yeah, bro. 1:06:19.440 --> 1:06:21.960 And you're not compromising. Who you are as a person, 1:06:22.080 --> 1:06:23.920 none of it all your safety, none of it. And 1:06:24.000 --> 1:06:28.400 it's important and the thing is so essentially So, you 1:06:28.480 --> 1:06:32.160 brought your first home with no money down, no money down, 1:06:32.720 --> 1:06:38.560 it's increased to a stand since you since you purchased it. 1:06:38.920 --> 1:06:42.640 You're getting seventeen hundred dollars positive cash flow and you're 1:06:42.680 --> 1:06:45.520 living there, Yes sir, So you're living for free, yes sir. 1:06:45.920 --> 1:06:48.840 And you've increased over the course of time equality. What 1:06:49.280 --> 1:06:50.920 are you just going to keep this forever. 1:06:50.960 --> 1:06:53.480 Or with the interest rates? Absolutely? 1:06:54.320 --> 1:06:56.080 Like I say that the most I'll do is a 1:06:56.080 --> 1:06:58.320 home maker line of credit to go and start reinvesting 1:06:58.320 --> 1:06:59.720 in more stuff. Like I said, I am sitting on 1:06:59.720 --> 1:07:01.959 the tone, love it, but like why sell a cash 1:07:02.000 --> 1:07:04.360 flow and asset in a great community like this thing 1:07:04.400 --> 1:07:06.840 is going to like the neighborhood is going to continue 1:07:06.920 --> 1:07:10.000 to go up like I have. I'm ten minutes fifteen 1:07:10.040 --> 1:07:12.400 minutes away from downtown. I have buses and trains that 1:07:12.480 --> 1:07:15.480 give you access to downtown. I have amazing schools in 1:07:15.520 --> 1:07:20.080 my neighborhood parks. I have churches, restaurants, anything, any amenity 1:07:20.240 --> 1:07:23.880 that a tenant could want, and the kind of amenities 1:07:23.920 --> 1:07:25.920 that make tenants want to stay. 1:07:25.680 --> 1:07:26.760 For a long period of time. 1:07:26.840 --> 1:07:29.040 I have those with my properties because I'm intentional about 1:07:29.080 --> 1:07:30.280 the neighborhoods that I buy in. 1:07:30.320 --> 1:07:31.640 Like this is why I tell people you need to 1:07:31.680 --> 1:07:33.080 have education and real estate. 1:07:33.120 --> 1:07:35.760 You can't just go and just like just cause you 1:07:35.800 --> 1:07:38.080 got approved for a loan like no, like no, like 1:07:38.120 --> 1:07:41.360 be intentional, be able to do neighborhood analysis understand Like okay, 1:07:41.360 --> 1:07:43.000 where are the good schools, where are the. 1:07:42.920 --> 1:07:45.880 People living at? Who have you know, good grocery stores? 1:07:45.920 --> 1:07:48.640 Where are the like nice parks that like, what access 1:07:48.720 --> 1:07:50.760 do I have to buses and trains to Whereas even 1:07:50.800 --> 1:07:52.720 if I am far away from somebody's jobs and they 1:07:52.720 --> 1:07:55.120 don't have a car, they can just take public transportation. 1:07:55.240 --> 1:07:56.720 These things are important to tenants. 1:07:56.800 --> 1:08:00.360 You can't when you're when you're investing in multi family least, 1:08:00.640 --> 1:08:03.080 you can't go and do what's best for you. You 1:08:03.160 --> 1:08:05.280 have to come from a tenant's perspective, like, Okay, if 1:08:05.280 --> 1:08:07.800 I was a tenant and I lived here, when I 1:08:07.880 --> 1:08:08.680 want to live here? 1:08:08.720 --> 1:08:10.280 And how long would I want to live here? 1:08:10.840 --> 1:08:13.560 So what's what's the what's the I'm sorry, what are 1:08:13.560 --> 1:08:16.080 the loan terms on it? Is it traditional? 1:08:16.200 --> 1:08:18.840 Like thirty years thirty year fixed right right thirty your 1:08:18.840 --> 1:08:19.519 fixed rights, bro. 1:08:19.800 --> 1:08:23.840 So you know Jamal King, Yes, mam man. So he 1:08:23.920 --> 1:08:25.560 used to be a cop on the South Side, and 1:08:25.560 --> 1:08:26.840 he was telling I remember the first time I was 1:08:26.880 --> 1:08:28.200 telling I was talking to him and he was like, 1:08:28.240 --> 1:08:31.760 you know, he's he stopped being a cop because he 1:08:31.800 --> 1:08:34.519 realized he can make more of an impact doing real estate. 1:08:34.960 --> 1:08:36.720 And he was like, when he was a cop, it's 1:08:36.760 --> 1:08:43.559 a it's a thing where your job is to be reactive. Whereas, 1:08:43.640 --> 1:08:45.800 all right, somebody comits a crime, now you arrest him, 1:08:45.880 --> 1:08:50.160 and it's like it's anover ending cycle. Right, But as 1:08:50.200 --> 1:08:52.200 a landlord and as a real estate investor, you get 1:08:52.240 --> 1:08:56.639 to be proactive, right and now you actually you can 1:08:56.760 --> 1:08:59.840 help change neighborhoods, You can educate people, You can change 1:08:59.840 --> 1:09:02.479 some why's life so they don't have to even be 1:09:02.520 --> 1:09:05.200 in a situation where you have to arrest arrest them. So, 1:09:05.600 --> 1:09:08.920 coming from Chicago, how important is it for you to 1:09:09.520 --> 1:09:11.240 ed you because obviously, you know when we hear Chicago, 1:09:11.560 --> 1:09:15.759 everybody you always thinking about drill music and gang violence 1:09:15.840 --> 1:09:17.320 and murders and all of that stuff. 1:09:17.439 --> 1:09:19.040 Block We're not from sixty third. 1:09:19.680 --> 1:09:22.760 Like just so, so if you think you think this 1:09:22.800 --> 1:09:26.439 is something that you know, the education can help can 1:09:26.479 --> 1:09:31.559 help change some of you know, the issues that are faced. 1:09:31.600 --> 1:09:33.960 I know it can because it helped me, Like the 1:09:34.040 --> 1:09:38.679 moment somebody told me about Knaka, the moment I found 1:09:38.680 --> 1:09:41.639 out about rich Dad Porter, at the moment I read 1:09:41.760 --> 1:09:45.280 money Master, the Game, mindset shift, the media, because now 1:09:45.320 --> 1:09:47.000 I don't have to fucking go out here and risk 1:09:47.080 --> 1:09:49.720 my life and do certain shit that I know that 1:09:49.800 --> 1:09:51.879 I don't really even want to do, but I honestly 1:09:51.920 --> 1:09:53.559 just don't know any better. Like this is what I 1:09:53.600 --> 1:09:57.240 know to survive now. I have alternative routes because somebody 1:09:57.280 --> 1:09:59.800 told me about it. I've been exposed to them. And 1:10:00.240 --> 1:10:02.640 ninety percent of the issue is exposure. We don't have 1:10:02.680 --> 1:10:04.280 exposure to any of this. Like I said, I was 1:10:04.320 --> 1:10:07.719 exposed to my friends going to the NBA college coaches, 1:10:07.800 --> 1:10:10.680 Lebron James, Like these are the things that made it 1:10:10.760 --> 1:10:13.880 like believable for me. Like I saw rich people, I 1:10:13.920 --> 1:10:16.920 saw wealthy people. I saw people who were doing things 1:10:16.920 --> 1:10:19.519 on a large scale. I saw my friends come from 1:10:19.520 --> 1:10:23.439 a small town in Maywood and go play for the 1:10:23.479 --> 1:10:26.520 biggest and the best coaches in the country, go win championships, 1:10:26.520 --> 1:10:30.120 with the Shannon played with Lebron and Kobe. He got 1:10:30.200 --> 1:10:32.519 drafted by Cleveland and won two championships with Kobe. 1:10:33.040 --> 1:10:37.760 Like that's like them and that's the crazy thing. 1:10:37.760 --> 1:10:40.080 Like he was neck and neck with Lebron in the 1:10:40.200 --> 1:10:41.960 All American Game, being the Jordan Game as far as 1:10:42.000 --> 1:10:44.280 points the dunk contest, like I think he had co 1:10:44.400 --> 1:10:46.000 MVP of the Jordan Game that year. 1:10:46.040 --> 1:10:49.960 Like that's like this exposure like what it did for. 1:10:49.960 --> 1:10:53.240 Me, man, it is just like it just changed my 1:10:53.360 --> 1:10:56.160 life because coming from where we come from, like you 1:10:56.160 --> 1:10:58.360 don't see it, you don't hear it, so to be 1:10:58.479 --> 1:11:02.599 around it and exposed to it's like like this is it. 1:11:02.960 --> 1:11:05.000 Like I don't have to settle for this. I don't 1:11:05.040 --> 1:11:06.960 have to be okay with this. I don't have to 1:11:07.520 --> 1:11:09.080 be this person, you know. 1:11:09.080 --> 1:11:11.360 What I mean? Like I have options now, and I 1:11:11.360 --> 1:11:12.040 feel like the. 1:11:12.080 --> 1:11:16.080 More kids in our communities see this and see people 1:11:16.200 --> 1:11:19.800 talk about it like intentionally, like aggressively, like how I 1:11:19.840 --> 1:11:21.799 talk like and I speak to them in they language, 1:11:21.800 --> 1:11:24.960 like you know what, it's just like that's life changing 1:11:25.000 --> 1:11:26.640 for a lot of people because it's like, yo, I 1:11:26.640 --> 1:11:27.960 don't have to go see your drugs. 1:11:28.000 --> 1:11:28.559 I don't have to. 1:11:28.760 --> 1:11:31.720 If I start this at eighteen nineteen years old, I 1:11:31.840 --> 1:11:33.960 start you can go get a knack of property working 1:11:33.960 --> 1:11:37.360 at McDonald's. As long as you can pay rent, you 1:11:37.360 --> 1:11:39.240 can pay your mortgage. Now, it may not be in 1:11:39.240 --> 1:11:41.960 the best neighborhood of ever, but it's ownership. It starts 1:11:42.000 --> 1:11:43.800 there and then you can take that little piece of 1:11:43.840 --> 1:11:45.800 property or whatever the case may be, in scale up 1:11:45.800 --> 1:11:48.000 from there. But if we don't know about ownership, we 1:11:48.000 --> 1:11:50.280 don't have any representation. We don't have anybody teaching us 1:11:50.280 --> 1:11:52.280 these things. We don't have anybody talking about these things. 1:11:52.560 --> 1:11:53.519 It's just kind of like. 1:11:53.520 --> 1:11:56.280 You said something I was extremely insightful. Just now, if 1:11:56.280 --> 1:11:59.400 you can pay rent, you can pay a mortgage. That's 1:11:59.479 --> 1:12:01.760 true because most of the time the rent is higher. 1:12:02.360 --> 1:12:02.760 Oh yeah. 1:12:02.800 --> 1:12:05.000 The problem that stops people from buying a home is 1:12:05.000 --> 1:12:07.720 a down payment. So there's dollars, you know that, But 1:12:07.760 --> 1:12:09.960 it's like the down payment. So it's like, if you're 1:12:10.040 --> 1:12:13.080 living in the Bronx, you might be paying nineteen hundred 1:12:13.120 --> 1:12:16.200 dollars a month for a one bedroom a and not 1:12:16.280 --> 1:12:19.120 a great neighborhood. You could you can you can go. 1:12:19.040 --> 1:12:20.799 Buy pretty in that same neighborhood. 1:12:20.880 --> 1:12:24.679 What'll stop you fifty thousand dollars sixty thousand down payment. 1:12:25.200 --> 1:12:27.800 So that's what stops a lot of people from ever 1:12:27.960 --> 1:12:30.360 buying a home, and they just stay on the on 1:12:30.400 --> 1:12:35.040 the rent path. That rent common to this is something 1:12:35.040 --> 1:12:37.639 that people don't fully understand. Rents not cheap at all, 1:12:38.240 --> 1:12:38.720 rent at all. 1:12:39.240 --> 1:12:42.360 Like I just told y'all my rents over here for 1:12:42.400 --> 1:12:46.920 a one bedroom in Chicago now eighteen hundred, two thousand dollars, 1:12:46.960 --> 1:12:49.000 like in this neighborhood and my other, in my other, 1:12:49.160 --> 1:12:52.000 my first property, I'm getting fourteen hundred, fifteen hundred for 1:12:52.040 --> 1:12:52.920 one to two bedrooms. 1:12:52.960 --> 1:12:54.160 Like that's a mortgage. 1:12:54.560 --> 1:12:56.800 Yeah, I know, people where we live right now. I mean, 1:12:56.840 --> 1:12:58.760 you're talking about twenty five hundred and three thousand dollars 1:12:58.800 --> 1:13:01.439 for a two bedroom. My mortgage is three thousand dollars 1:13:01.439 --> 1:13:02.000 for my house. 1:13:02.120 --> 1:13:03.559 And that's what I'm saying. I have a four unit 1:13:03.600 --> 1:13:07.120 and my mortgage is three thousand dollars. You feel what 1:13:07.160 --> 1:13:07.559 I'm saying. 1:13:07.680 --> 1:13:10.840 Real, that's oh, my first one mortgage twenty seven hundred dollars. 1:13:10.840 --> 1:13:12.600 On the second it's thirty five hundred dollars once you 1:13:12.600 --> 1:13:15.280 factor in the taxes and insurance and stuff. But like bro, 1:13:15.560 --> 1:13:17.880 like I'm hearing people say they pay this in rent, 1:13:18.080 --> 1:13:21.920 Like so not only is my mortgage that, but I 1:13:21.960 --> 1:13:24.320 don't even pay it. Somebody else pay it and I 1:13:24.320 --> 1:13:26.880 got and I'm getting paid off of that mortgage. So 1:13:26.920 --> 1:13:28.760 it's like, man, at this point, like we don't got 1:13:28.760 --> 1:13:32.519 no excuses, y'all. Like I said, I started at twenty 1:13:32.520 --> 1:13:35.040 six thousand dollars a year after taxes, Mom and daddy 1:13:35.080 --> 1:13:37.080 did dope, like just all of these different things like, 1:13:37.200 --> 1:13:40.800 ain't no excuses out here, bro, Like it's none like 1:13:40.920 --> 1:13:41.640 Zebra when like. 1:13:41.640 --> 1:13:43.599 When I hear people make excuses, bro, like that shit 1:13:43.640 --> 1:13:44.240 burned me up. 1:13:44.280 --> 1:13:46.120 Cause it's like, bro, like I come from this shit 1:13:47.360 --> 1:13:49.400 like I didn't watch like you know what I'm saying, 1:13:49.439 --> 1:13:51.519 a lot of foul last shit, a lot of traumatic 1:13:51.520 --> 1:13:54.160 stuff in my life, and it's just like you making 1:13:54.240 --> 1:13:57.120 excuses for them, like I ain't have my mama or 1:13:57.120 --> 1:13:59.640 my daddy yo og raised you like you make an 1:13:59.680 --> 1:14:02.320 excuse just like boys stop playing with me. 1:14:02.520 --> 1:14:02.800 Swap. 1:14:02.840 --> 1:14:05.719 Representation is important, man, So yeah, shout to you, Shout 1:14:05.720 --> 1:14:09.120 out to the hostess. Got Ross back out there. We 1:14:09.200 --> 1:14:10.360 got Mobile. 1:14:10.240 --> 1:14:14.519 League out there because they're like we've like so myself 1:14:14.560 --> 1:14:17.640 for Shauna and Mobile Home Elite have formed a partnership 1:14:17.800 --> 1:14:19.759 to where it's like we just putting on for the city. 1:14:19.760 --> 1:14:24.439 We have the meetups, We've started a business. We're gonna 1:14:24.720 --> 1:14:27.599 host a Mastermind here soon. Man. Like we've just really 1:14:27.680 --> 1:14:30.920 like just decided to just like take initiative and just 1:14:30.960 --> 1:14:33.559 like you know, be the driving force of financial literacy, 1:14:33.640 --> 1:14:37.040 real estate, et cetera in the city because we've grown 1:14:37.560 --> 1:14:40.080 to the point where our brands are big enough to 1:14:40.120 --> 1:14:44.840 do it. And then if we collaborate on this, the 1:14:45.479 --> 1:14:48.479 competition like the next meetup, it's us. And then we 1:14:48.520 --> 1:14:50.880 reached out to Jamal, Jamal gonna show up. It's just 1:14:50.880 --> 1:14:53.479 like every we be so divided. A lot of times 1:14:53.520 --> 1:14:55.080 we don't even realize. Man, A lot of stuff just 1:14:55.080 --> 1:14:56.960 be a phone call away, you know what I'm saying. 1:14:57.000 --> 1:14:58.360 But it show the way you think, kind of like 1:14:58.439 --> 1:15:00.080 mess a lot of that up. But like we like 1:15:00.439 --> 1:15:01.920 swept all of them the rook Like, yeah, we going 1:15:02.000 --> 1:15:02.519 to get to it. 1:15:02.760 --> 1:15:05.360 And representation is important and also is documenting the process. 1:15:05.439 --> 1:15:05.639 Yeah. 1:15:05.800 --> 1:15:07.800 So I want to talk about landlord life man. 1:15:08.120 --> 1:15:11.760 So yeah, Man, I have a series on YouTube called 1:15:11.760 --> 1:15:14.439 a Landlord Life. I'm just big on creating content in general. 1:15:14.520 --> 1:15:17.439 I've been documenting my process in twenty fifteen, and it's crazy. 1:15:17.479 --> 1:15:21.400 When I found y'all, I had a series called The 1:15:21.439 --> 1:15:23.880 Renaissance Support and it was I was trying to do 1:15:23.920 --> 1:15:26.479 what y'all doing right now. But I spent way too 1:15:26.520 --> 1:15:28.200 much money on this shit. Right, Like I spent like 1:15:28.240 --> 1:15:30.160 fifteen thousand dollars producing five. 1:15:30.000 --> 1:15:32.320 Episodes, right, I had skits and. 1:15:32.240 --> 1:15:35.320 I've rented out like this big like like acting studio 1:15:35.360 --> 1:15:37.400 in Chicago and shit, and it was just like ridiculous, 1:15:37.400 --> 1:15:39.400 Like I had some fire guests on it and everything. 1:15:39.640 --> 1:15:41.480 But like once I looked at my budget. 1:15:41.240 --> 1:15:46.960 Like you can't cheap well, so open close and like 1:15:47.120 --> 1:15:49.879 it just it just showed me, like people love content. 1:15:50.040 --> 1:15:52.120 People love that series. People love that show. And then 1:15:52.160 --> 1:15:54.719 like I just started building content around everything I'm. 1:15:54.560 --> 1:15:57.120 Doing the Landlord Life. And The Landlord Life is not 1:15:57.200 --> 1:16:00.040 a fun series. I make it fun, but man, everything 1:16:00.080 --> 1:16:01.800 that you're going to see on that series on my 1:16:01.880 --> 1:16:08.120 YouTube channel is leaky roofs, plumbing issues toilets just you 1:16:08.160 --> 1:16:11.040 know what I mean, HVA systems going bad. Like I'm 1:16:11.080 --> 1:16:14.519 showing you guys all of everything that I'm dealing with 1:16:14.560 --> 1:16:15.160 as a landlord. 1:16:15.160 --> 1:16:17.280 We got three seasons over forty episodes. 1:16:17.360 --> 1:16:19.960 I think the only good episode is me telling people 1:16:20.000 --> 1:16:22.000 one of my tenants is the owner of a popular 1:16:22.040 --> 1:16:23.640 shoe bou teak in Chicago. 1:16:23.280 --> 1:16:24.559 So I got a plug on the shoot. 1:16:25.160 --> 1:16:28.040 But outside of that, ain't no real benefits to like, 1:16:28.120 --> 1:16:30.439 you know what I'm saying, managing your own properties on 1:16:30.479 --> 1:16:31.519 the day to day, you know what I mean. I 1:16:31.520 --> 1:16:33.280 want you all to understand this now, it's gonna be 1:16:33.280 --> 1:16:35.080 beneficial on the back end, of course, you know what 1:16:35.080 --> 1:16:36.920 I mean, when you cash out and you know what 1:16:36.920 --> 1:16:39.640 I mean, you getting your cash flow. But some of 1:16:39.640 --> 1:16:41.760 the stuff that you're dealing with, it's real, it's not 1:16:42.040 --> 1:16:44.719 it's not Hollywood, it's not Instagram, it's. 1:16:44.600 --> 1:16:45.360 Not you know what I mean. 1:16:45.439 --> 1:16:47.799 Pulling up the lambow to the front of the property 1:16:47.840 --> 1:16:50.880 with your Gucci's on. It's like, nah, boy, you're gonna 1:16:50.920 --> 1:16:53.200 be fucking around walking in poop water sometimes, Like it's 1:16:53.200 --> 1:16:54.720 just gonna be that, And like, you know what I mean, 1:16:54.760 --> 1:16:56.720 you gotta understand what you getting into when you get 1:16:56.760 --> 1:16:58.479 into it. But at the end of the day, what 1:16:58.560 --> 1:17:01.880 I'll always tell people, it's not easy, but it's definitely 1:17:01.880 --> 1:17:03.720 gonna be worth it. And like I said, I haven't 1:17:03.760 --> 1:17:06.720 worked since two thousand and fifteen, Like I've just really 1:17:06.800 --> 1:17:09.800 been out here moving around and networking and building relationships. 1:17:09.840 --> 1:17:11.200 A long way from a cubicle, bro. 1:17:11.560 --> 1:17:12.880 So what's next for you? I know you got the 1:17:13.000 --> 1:17:15.000 education as well, took everything else you got. 1:17:15.280 --> 1:17:17.920 So I host a monthly webinar I called Navigating NAKA 1:17:17.960 --> 1:17:20.439 where I pretty much teach the NACA play because again, 1:17:20.600 --> 1:17:23.080 NAKA can't tell y'all a lot of the stuff that 1:17:23.120 --> 1:17:25.240 I can tell y'all because they're not allowed to kind 1:17:25.240 --> 1:17:26.960 of like steer you in a particular direction. 1:17:27.040 --> 1:17:28.000 I don't work for NAKA. 1:17:28.200 --> 1:17:30.080 I'm not an agent, I'm not any of that, so 1:17:30.120 --> 1:17:31.640 I can kind of like give you to play how 1:17:31.840 --> 1:17:33.320 I need to give you to play how I ran 1:17:33.360 --> 1:17:36.800 to play. So that's been doing extremely well. My NAVIGATINGNACA 1:17:36.840 --> 1:17:39.280 webinar has been helping people like get their mindset right 1:17:39.320 --> 1:17:41.840 and just like really understand the process and importance of 1:17:41.960 --> 1:17:44.600 going through this program. In addition to that, man, I 1:17:44.640 --> 1:17:47.920 got my merch mindset matters. This is a design. Books 1:17:47.920 --> 1:17:50.400 are the keys that I'm trying to get into the schools, 1:17:50.680 --> 1:17:52.680 like when they have like book Week and like you know, 1:17:52.760 --> 1:17:55.120 different stuff like that. And I own this. I got 1:17:55.200 --> 1:17:57.840 this trademarked and everything. So just like just really growing 1:17:57.880 --> 1:17:58.280 my brand. 1:17:58.280 --> 1:17:58.439 Bro. 1:17:58.520 --> 1:18:00.840 I got a book that I've been a molding and 1:18:01.000 --> 1:18:04.200 just traveling around speaking renaissances. Five step guid on getting 1:18:04.200 --> 1:18:07.280 your shit together, and that book is pretty much my 1:18:07.360 --> 1:18:10.519 blueprint and everything that I did to get my mind 1:18:10.600 --> 1:18:13.519 right before I got started in real estate and financial 1:18:13.520 --> 1:18:16.880 literacy and all that, just you know, self evaluation, understanding 1:18:16.920 --> 1:18:18.479 that I was in my own way, you know what 1:18:18.520 --> 1:18:21.320 I mean, Understanding the power of my mind and words, 1:18:21.360 --> 1:18:23.080 Knowing that the way that I speak to myself and 1:18:23.120 --> 1:18:25.599 the words that I put into the universe are extremely important. 1:18:25.960 --> 1:18:27.360 It's a really really dope book. 1:18:27.400 --> 1:18:29.200 It's a real quick short read, and I got some 1:18:29.240 --> 1:18:31.120 dope interviews in there from some of my homies. 1:18:31.600 --> 1:18:32.280 I think y'all know. 1:18:32.360 --> 1:18:34.280 Read a new Face She'd be with Dame dash Alot, 1:18:34.280 --> 1:18:36.840 she from Chicago, got an interview with her, and yeah, 1:18:36.920 --> 1:18:40.280 interview with my homie Code Sign, interview with my homie, 1:18:40.400 --> 1:18:43.200 my little cousin, dj Orio who chanced the rappers DJ 1:18:43.360 --> 1:18:44.360 and like just doing a lot. 1:18:44.280 --> 1:18:44.760 Of dope shit. 1:18:44.840 --> 1:18:46.840 So the book is dope, Like I say, man, just 1:18:46.880 --> 1:18:48.720 really trying to like scale and grow my brand, like 1:18:48.760 --> 1:18:50.920 just following y'all blueprint for real, for real. Just like 1:18:51.160 --> 1:18:53.120 I see all of the stuff that y'all doing, and 1:18:53.160 --> 1:18:55.080 it's just like I really just like try to mimic it, 1:18:55.120 --> 1:18:56.800 Like all right, cool to merge, you know what I'm saying, mother, 1:18:56.800 --> 1:18:59.680 it's traveling, doing speaking, networking, help and adding value to 1:18:59.680 --> 1:19:01.840 people's honestly, Like when it comes to this, like y'all 1:19:01.840 --> 1:19:04.000 are the blueprint for real, for real. So it's like 1:19:04.240 --> 1:19:07.559 I don't try to like go and reinvent the wheel. 1:19:07.840 --> 1:19:09.559 It's just kind of like, no, you see what they do. 1:19:09.720 --> 1:19:12.680 It's just like just do what they doing, you know 1:19:12.680 --> 1:19:13.559 what I'm saying. They winning. 1:19:13.600 --> 1:19:15.760 So it's like if you see Warren Buffett investing in 1:19:15.760 --> 1:19:17.320 apple stock or whatever, It's like why would I go 1:19:17.400 --> 1:19:19.000 and try to figure all this out when I could 1:19:19.000 --> 1:19:20.920 just do what Warren Buffett's doing on a smaller scale. 1:19:21.080 --> 1:19:23.280 Fact, you know, it's like smart man. 1:19:25.120 --> 1:19:25.240 Like. 1:19:25.280 --> 1:19:27.479 So that's what I'm saying, Like people over complicate things 1:19:27.520 --> 1:19:29.719 a lot of time. It's like the richest and the best, 1:19:29.760 --> 1:19:31.840 I'm going to do whatever they're doing. So when I 1:19:31.880 --> 1:19:35.080 hear Warren doing something, when I hear motherfucking y'all doing something. 1:19:35.120 --> 1:19:37.040 When I hear Ian doing something, when I hear you 1:19:37.080 --> 1:19:38.840 know what I'm saying, Bill Gates doing something? 1:19:38.920 --> 1:19:39.439 All right? Cool? 1:19:39.439 --> 1:19:41.240 How can I apply this to whatever it is that 1:19:41.280 --> 1:19:44.000 I'm doing. That's how you simplify your life? 1:19:44.520 --> 1:19:46.760 All right, brother, It's been a pleasure, man. How can 1:19:46.760 --> 1:19:48.400 they follow you? What's your social media? 1:19:48.680 --> 1:19:48.800 Man? 1:19:49.640 --> 1:19:53.280 At Renaissance one, two five across all social media platforms. 1:19:53.320 --> 1:19:56.840 My website is www dot the Renaissance dot com. Now 1:19:56.840 --> 1:20:00.160 you can get merch, books, you know, courses, everything that 1:20:00.479 --> 1:20:02.880 is Renaissance, Troy Housekeeping, idols. 1:20:02.960 --> 1:20:05.559 Yeah, shout out to everybody on patreon dot com, all 1:20:05.560 --> 1:20:08.120 our earnest dead, everybody in eyl University. Shout out to 1:20:08.160 --> 1:20:10.720 the entire city of Chicago. Like Shoddy said, we will 1:20:10.760 --> 1:20:14.160 be back in Chicago for Market Monday's Live in October. 1:20:14.240 --> 1:20:16.519 The date to be announced. It's going to be a 1:20:16.520 --> 1:20:18.080 special one. But I just want to shout the whole 1:20:18.200 --> 1:20:19.960 every time we go there. There's so much love out there, 1:20:20.400 --> 1:20:22.200 and shout out to you for supporting us in our 1:20:22.240 --> 1:20:24.479 merch and all our endeavors. Man, y'all showed us so 1:20:24.560 --> 1:20:27.360 much love. We can only say thank you to put 1:20:27.360 --> 1:20:29.080 so many times, but we greatly appreciated. 1:20:29.640 --> 1:20:32.839 Uh yeah, yeah, shout out at Chicago. Get your tickets 1:20:32.840 --> 1:20:35.320 to market Monday's Live. It's going to be a vibe 1:20:35.800 --> 1:20:38.120 and uh yeah man, thank you guys rocking with us. 1:20:38.120 --> 1:20:39.240 We'll see you next week. Peace. 1:20:39.320 --> 1:20:39.639 Peace. 1:20:40.040 --> 1:20:43.719 An illegal alien from Guatemala charged with raping a child 1:20:43.720 --> 1:20:47.520 in Massachusetts. An MS thirteen gang member from Al Salvador 1:20:47.800 --> 1:20:51.920 accused of murdering a Texas man of Venezuelan charged with 1:20:52.000 --> 1:20:55.880 filming and selling child pornography in Michigan. These are just 1:20:55.960 --> 1:20:59.639 some of the heinous migrant criminals caught because of President 1:20:59.720 --> 1:21:03.360 Donald J. Trump's leadership. I'm Christy nom the United States 1:21:03.360 --> 1:21:08.160 Secretary of Homeland Security. Under President Trump, attempted illegal border 1:21:08.200 --> 1:21:11.760 crossings are at the lowest levels ever recorded, and over 1:21:11.800 --> 1:21:15.040 one hundred thousand illegal aliens have been arrested. If you 1:21:15.080 --> 1:21:18.960 are here illegally, your next you will be fine nearly 1:21:19.040 --> 1:21:23.040 one thousand dollars a day, imprisoned and deported, you will 1:21:23.080 --> 1:21:26.720 never return. But if you register using our CBP home 1:21:26.760 --> 1:21:30.160 app and leave now, you could be allowed to return legally. 1:21:30.520 --> 1:21:35.280 Do what's right. Leave now. Under President Trump America's laws, 1:21:35.439 --> 1:21:37.240 border and families will 1:21:37.280 --> 1:21:40.120 Be Protected sponsored by the United States Department of Homeland Security,