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Speaker 1: Everybody is Bill Corty with an army and normal folks.

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Speaker 1: And we continue now with part two of our conversation

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Speaker 1: with Kevis Harding, right after these brief messages from our

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Speaker 1: general sponsors. So you build this church, you take this

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Speaker 1: church that's about gone and you build it and it

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Speaker 1: has a healthy congregation and you're in the community doing

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Speaker 1: all that you're doing seems like a.

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Speaker 2: Lot, but you build a team though, So like right now,

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Speaker 2: the church is functioning right now without em there. I

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Speaker 2: mean when I say the church, the people who are

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Speaker 2: in there from my facility, office, minister business, my other

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Speaker 2: ministers involved, my sickness shutting. So I have a great

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Speaker 2: team of people. And it's that not all paid people either.

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Speaker 2: But because we have that's love for our community. I

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Speaker 2: can be here and know that there's still that ministry

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Speaker 2: still going.

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Speaker 3: But the point is that's a lot. Yes, you got

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Speaker 3: a job. Yes, So.

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Speaker 1: What made you decide to take on kind of second

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Speaker 1: calling as what you call a lifelong community activist and what.

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Speaker 3: Kind of sparked that? Bill? Thank you, Fred.

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Speaker 2: Now, I like that you asked that question because people

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Speaker 2: are like, man, you're doing a lot, and I'll yes,

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Speaker 2: it is a lot.

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Speaker 3: I got to qualify with you.

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Speaker 2: But what I've learned is when you build enough capital

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Speaker 2: of team, you can do more. And so me growing

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Speaker 2: up in that neighborhood and doing community policing and just

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Speaker 2: trying to I go back to a shooler West Coast

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Speaker 2: I used to go to his conferences.

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Speaker 3: I never forget.

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Speaker 2: I still use it and I still tell people this,

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Speaker 2: and you doing it right now, I see you doing it.

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Speaker 2: You find a need and you feel it, you find

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Speaker 2: a hurt.

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Speaker 3: You just do not know how ironic it is. You

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Speaker 3: just said that.

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Speaker 1: We say all the time the amazing things that happen

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Speaker 1: in the world are when you have a passion and

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Speaker 1: when that passion and need collode. Yes, or passion and

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Speaker 1: opportunity co lode. You're saying the same thing, same thing.

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Speaker 1: You're passionate about your community and you find a need

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Speaker 1: and you see needs because your community pastoring, and so

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Speaker 1: you decide you're going to become a life long community activist.

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Speaker 1: Now let's just pause. Those words can be scary. Yes,

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Speaker 1: it is scary. Yeah, it can be scary to decide

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Speaker 1: you're going to go do it. It can also be

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Speaker 1: scary to hear it because community activism very unfortunately can

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Speaker 1: have a uh you correct, shades of a negative connotation,

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Speaker 1: because when you hear community activism, oftentimes you think about

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Speaker 1: the very very loud, very very crazy person holding signs,

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Speaker 1: throwing rocks, raising hell, all in the name of God

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Speaker 1: knows what, And oftentimes lately these people are actually paid

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Speaker 1: for to be disruptors.

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Speaker 3: Yes, I was.

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Speaker 1: Yes, So distinguish for our audience when I say, here's

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Speaker 1: a pastor in an inner city area there wants to

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Speaker 1: be a community activist. Let's distinguish your goals and your

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Speaker 1: role in how you saw yourself working in the community

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Speaker 1: versus the noise.

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Speaker 3: What gets? What gets really the noise? The noise. Yeah.

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Speaker 2: So, while I was in ministry, like I had in

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Speaker 2: two thousand and three, I ran for school board and

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Speaker 2: would you tell I read two terms.

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Speaker 3: So I remember sitting at those board.

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Speaker 2: Meetings and having community activists come and yelling at it.

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Speaker 2: After you're just going this is so when I so

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Speaker 2: when I hear it's sponge bull, this is crazy. You're

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Speaker 2: not solving nothing. All you're doing is screaming. You're yelling.

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Speaker 2: You know, your your own TV for a moment that

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Speaker 2: people who can see.

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Speaker 3: It and but what are you gonna do?

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Speaker 2: And so when I say community actor, I really just

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Speaker 2: breaking down. I'm a person who's in the community, who's

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Speaker 2: actively trying to make a change for better, for the

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Speaker 2: whole community, not just for a few, but for and

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Speaker 2: for those who want to be a part of the movement,

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Speaker 2: the neighborhood movements that I see across the country. You

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Speaker 2: gotta get in there and just just getting up and

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Speaker 2: pointing fingers and sounding crazy. No, I am a I

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Speaker 2: am a pastor who's heavily invested in my community, who's

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Speaker 2: very active.

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Speaker 3: If you want, you know there it is. That's the

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Speaker 3: best way I can describe community. Tell you you did it?

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Speaker 3: So you you brought up what'd you say?

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Speaker 1: Hope something hope CDC, which is a hope is so

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Speaker 1: my everything I do is I call it a biblical foundation.

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Speaker 3: You gotta have a biblical why you do. So people

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Speaker 3: want to ask you you're why.

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Speaker 2: My part of my why it comes from two places,

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Speaker 2: Jeremiah and Isaiah. Jeremiah twenty nine eleven, not Jesus. God

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Speaker 2: says I didn't come to hurt.

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Speaker 3: You or harm you.

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Speaker 2: He's talking to the people, But I came to give

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Speaker 2: you hope in the future, and I hope just rolls up.

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Speaker 3: Everybody uses hope for this hope, hope, hope, but.

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Speaker 2: My hope was an acronym as an activist community act

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Speaker 2: is like Lord, help me, help other people excel h ope,

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Speaker 2: hope that they might have a future where God is

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Speaker 2: trying to prosper and to lift them up out of

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Speaker 2: that area. And it's not just a neighborhood, but just

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Speaker 2: also a mindset spiritually, physically, mentally, emotionally and financially. How

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Speaker 2: do you take up people and help them become a

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Speaker 2: whole person. And the whole person is when you are

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Speaker 2: healthy spiritually, physically, mentally. Now when I say spiritually, I'm

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Speaker 2: not talking. I'm in church all day. But you have

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Speaker 2: a faith, there's a higher power whatever you want to

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Speaker 2: so it's healthy. So you have so spiritually, physically kill

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Speaker 2: and diabetes, high blood bridge, all those we have, health

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Speaker 2: go down. Oh you're hidding it. All of those, all

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Speaker 2: those which tie into your mental, your emotional, which ties

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Speaker 2: into your financial all that.

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Speaker 3: Yeah, very rarely do you find addicts who are unhealthy

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Speaker 3: financially secure. Now they all go together.

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Speaker 2: Yes, So that's the whole Jeremiah piece so in doing

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Speaker 2: so and really and then connecting Ezekioh with which is

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Speaker 2: more of a personal pieces, going yes, these bones could live,

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Speaker 2: but will make it happen. And then I go over

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Speaker 2: to Jeremy, which is Isaiah sixty one one through four,

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Speaker 2: which is connected to Luke. This is where my I

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Speaker 2: tell folks, this is where my theology, my theologian comes

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Speaker 2: out of me.

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Speaker 3: I know much.

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Speaker 2: I know the book backwards and forwards, which is connected

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Speaker 2: which is Jesus. And if you read Isaiah sixty one,

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Speaker 2: he's like God has called me out into the neighborhood,

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Speaker 2: into the community to repair the breach, to restore the

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Speaker 2: city that has been formally devastated ruins. And he's talking

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Speaker 2: about Jerusalem then, but that's all of our communities. So

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Speaker 2: I love what Alex is doing. Alex is doing is

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Speaker 2: it's with the whole piece about the army to go

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Speaker 2: into the community and we can take this back and rebuild.

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Speaker 2: And that's what Hope is doing. Were and so my

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Speaker 2: foundation was where do you find at And mine's was

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Speaker 2: from being in as a police officer, was housing, cause

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Speaker 2: we discovered that crime decreases when a person has a

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Speaker 2: stable housing, a place where they can call home, kids

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Speaker 2: stay in school, families stay together, Domestic violence go down

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Speaker 2: when you have a place that you can call home.

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Speaker 3: That's part of it.

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Speaker 1: It is so simple of a calculation, the way you

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Speaker 1: just put it, but it's so difficult for off Before

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Speaker 1: we get into that. I found it really interesting that

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Speaker 1: near your church, across from your church was an abandoned

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Speaker 1: strip mall. Yes, and this also speaks to building a

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Speaker 1: community of hope and one worth investing in staying in.

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Speaker 1: But tell us about what you did there. So and

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Speaker 1: this is right at the genesis of the whole hope things.

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Speaker 2: Right sold two thousand, this old abandoned strip mall was

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Speaker 2: still had some tenants in it, but it was on

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Speaker 2: the backside you had what's it New Year Church across

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Speaker 2: the street.

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Speaker 3: Right. I could throw.

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Speaker 1: At these places in Memphis all over the place where

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Speaker 1: I'm gonna just be real wrong, candid here Memphis.

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Speaker 4: Do you remember what Travis Moody said, what Memphis is

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Speaker 4: the payday loan capital of the country.

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Speaker 3: Wow.

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Speaker 4: And so he's like, you come outside of a church

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Speaker 4: and there's three payday loan stores and store and it's

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Speaker 4: line that's amazing because you go inside to prey and

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Speaker 4: you come outside and get preyed upon.

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Speaker 3: Yes, the other the pr how about that line.

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Speaker 1: Yeah, but Memphis is full of these neighborhoods that I

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Speaker 1: mean full of neighborhoods that you can see homes that

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Speaker 1: were built in the fifties and sixties and seventies that

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Speaker 1: were very nice, and around them are the typical infrastructure

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Speaker 1: of these strip malls and what used to be Pigley

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Speaker 1: Wiggly or a Prover, and really nice churches in restaurants

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Speaker 1: and restaurants. But over the course of the white flight

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Speaker 1: and the and the sprawl of the hood you're hitting it,

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Speaker 1: the churches either get empty or shut down. And then

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Speaker 1: you ride past these strip malls that that are big

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Speaker 1: parking lots and maybe fifteen storefronts and there's a cricket

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Speaker 1: cellular service and storefront three three more empty ones, maybe

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Speaker 1: a Mexican restaurant and a nail shop in one, and

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Speaker 1: then absolutely a hair nail shop or maybe just wigs.

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Speaker 3: Yes, that's all only by my Asian brother Mashes is laughing.

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Speaker 3: I really could get pashes.

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Speaker 2: It's that not all over Memphis, and it's all and

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Speaker 2: they're not even owned by the folks who live there.

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Speaker 2: And by then in March first through May fifteenth, the

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Speaker 2: i'll do your tax people show up and get one

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Speaker 2: of them for about two months.

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Speaker 3: A man, right, man, you right, that's it neighborhood.

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Speaker 1: And maybe and maybe there might be a barber college

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Speaker 1: in one of them.

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Speaker 3: Yes, man witched all Memphis, all over the United States.

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Speaker 3: That's yes. But that's what I'm picturing, is that.

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Speaker 1: And yeah, the asphalt parking lot hasn't been repaired, and

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Speaker 1: it's cracked and got.

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Speaker 3: A little you gotta go drive around the street.

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Speaker 1: In front of it's big to accommodate what used to

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Speaker 1: be a lot of traffic, but now it's just a big,

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Speaker 1: old empty kind of street. Yes, and you use that

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Speaker 1: that's across the street from the church that you're working

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Speaker 1: to build, and they start hope, and you like, we

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Speaker 1: got to do something with that, and.

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Speaker 3: We and we did. We. Uh.

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Speaker 2: My first major commercial development was I bought that whole

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Speaker 2: strip mall two point five million dollars.

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Speaker 3: You bought it? Who where'd you get the money for

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Speaker 3: all that?

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Speaker 2: Again, entrepreneurial spirit didn't. It wasn't my own money. Built

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Speaker 2: a great team. I went out and found a couple

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Speaker 2: of developers. So I got my I had my real

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Speaker 2: estate agent who became a part of the team, Landmark Commercial,

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Speaker 2: Landmark Commercial. I had my architect construction company and the developer,

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Speaker 2: and I had Adam Joe Law firm, and then myself

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Speaker 2: as the pastor. We built and we created this team

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Speaker 2: and we called it was uh. We created an LLC.

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Speaker 2: It was called I called it H and H, which

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Speaker 2: was I asked him, I, hey, this is a this

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Speaker 2: is a herding and harding project.

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Speaker 3: I was doing any remembers of.

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Speaker 2: My my, my, my dad who and his brother who

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Speaker 2: were entrepreneurs. I didn't they had a little shop, but

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Speaker 2: their deceased now. But so it's H and H LLC.

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Speaker 2: And we created this and put and put all of

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Speaker 2: our businesses. I was t K Investments, which was my

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Speaker 2: LLC was inside this LLC. We all had our ll

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Speaker 2: cs and we went. I shared my vision and my mission.

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Speaker 2: That was your vision.

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Speaker 1: You're you're buying an empty strip in the hood for

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Speaker 1: three point five million dollars. Some might call you crazy.

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Speaker 3: Oh I got everything it was I got.

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Speaker 2: I was you know when you do a tiff, you know,

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Speaker 2: now mess with people's taxes, and tax tiff is a

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Speaker 2: tax increment finance district, right, and and so when I

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Speaker 2: did this, the reason I did it was I was

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Speaker 2: trying to eliminate what we call the food desert we had.

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Speaker 3: I mean.

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Speaker 2: It was it's for we used to have grocery stores

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Speaker 2: in our neighborhood. You can there were none. They all

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Speaker 2: went out the big boxes, you know, they all they're

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Speaker 2: all out on the edges. And so all we had

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Speaker 2: was these little storefront unhealthy grocery stores.

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Speaker 1: It's where people in the hoods say they're going to

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Speaker 1: the corner.

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Speaker 3: Store, thank you. And then we got those and the.

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Speaker 1: Corner store ain't nothing but a bunch of processed chips

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Speaker 1: and chips and so and so AOC one's going back

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Speaker 1: to one of your top five things physical health. Without

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Speaker 1: when you have a food desert, it just continues to

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Speaker 1: propagate the degeneration of the neighborhood and the people in.

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Speaker 2: It and physically, I mean physically, mentally, emostly all of them.

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Speaker 3: So you want to turn this thing into a grocer store?

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Speaker 3: Is that what you're doing? So we did.

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Speaker 2: We contact Walmart, who was at the time was doing

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Speaker 2: a new concept called Neighborhood. There is the Walmart neighborhood

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Speaker 2: grocery store. Yeah, we got a bunch of them around here.

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Speaker 3: They had. So here's it's the beauty and also a

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Speaker 3: pain to it.

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Speaker 2: So we we bought it, refurbished it, tore down half

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Speaker 2: the strip ball and we after six months, every Monday,

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Speaker 2: I'm all on Mondays. Every Monday I would call the

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Speaker 2: relative and say, hey, still got this land, great place

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Speaker 2: for a grocery store. They kept saying no June of

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Speaker 2: was it two thousand because it don't sell in O seven?

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Speaker 2: And yeah, every Monday, and by April first, two thousand

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Speaker 2: and eight, we bought it.

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Speaker 3: And then by that Summers is.

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Speaker 2: Back in eight they Walmart finally said yes, we'll come

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Speaker 2: and we built it.

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Speaker 3: And tell him how many times you had to call

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Speaker 3: this guy? Oh?

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Speaker 2: I called him every week every Monday for six months

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Speaker 2: and they showed up.

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Speaker 1: And now you have a full store. But the neighborhood

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Speaker 1: has a grocer store in it. Well, it had the

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Speaker 1: gro We got the grocery store. We had a ribbon

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Speaker 1: cutting and everything and it was going well.

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Speaker 2: And then we got close to the since say COVID,

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Speaker 2: but right around twenty nineteen they saw forecasts or what

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Speaker 2: but they Walmart didn't like the concept of the neighborhood

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Speaker 2: grocery store, so they went across this is the country.

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Speaker 2: Not just were that store, They went across the country

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Speaker 2: and they found they closed one hundred and fifty those stores,

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Speaker 2: and the one we work so hard to build and

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Speaker 2: get and it was phenomenally it was never empty, they

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Speaker 2: closed it. Uh, And so the only we got was

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Speaker 2: they were the number one. This this location was the

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Speaker 2: number one, And I want to I want to thank

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Speaker 2: Walmart because they first of all, they said yes, and

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Speaker 2: we were great partners, but business is business, and so

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Speaker 2: they had they closed one hundred and fifty those stores,

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Speaker 2: and that was one of them. Although we were the

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Speaker 2: number one selling grocery stores that model, number one grocery,

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Speaker 2: number one selling in the region.

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Speaker 3: But what hurt us we were also the number one shoplifting.

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Speaker 3: I was wondering.

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Speaker 1: I have a friend, yes in Memphis, and I'm not

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Speaker 1: going to use this name, but he owns eight grocery stores.

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Speaker 1: He is one of the best guys on the face

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Speaker 1: of planet. If you sit down here, you talk from

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Speaker 1: ten minutes, and you'd love him. He is and he

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Speaker 1: specifically has a brand of store that he plops down

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Speaker 1: in food deserts, and he believes that the stores that

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Speaker 1: he has in the good areas that make him a

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Speaker 1: lot of money, that if he can just break even

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Speaker 1: in the good at the in the in the food

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Speaker 1: doesert areas, in the good areas, that that's just the

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Speaker 1: right thing to do in his world, right. He'd rather

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Speaker 1: make a good living and keep grocery stores open in

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Speaker 1: tough neighborhoods than that get rich and not serve. And

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Speaker 1: he really does do this. He puts his money where

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Speaker 1: his mouth is all tell him thank you, but I'm

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Speaker 1: gonna tell you something. He gets robbed aligned shoplifting and

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Speaker 1: everything else, and then he calls the police for help.

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Speaker 1: And what the police is going to do to a

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Speaker 1: shoplifter when the jails are over crouded anyway, and they

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Speaker 1: end up arresting the same people over and over and

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Speaker 1: over and over again, and it's this concentric mess.

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Speaker 3: And I was actually wondering if that we.

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Speaker 2: Were like, look, don't shoplift. We're telling people. I'm preaching, hey,

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Speaker 2: we brought we got a story, or to quit shoplifting.

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Speaker 3: You're gonna lose it. We're we're literally saying it.

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Speaker 2: And was the beauty of that was this same Walmart

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Speaker 2: grocery store was hiring people from our church I had.

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Speaker 1: I can't count how many people who your employees from

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Speaker 1: who were in church work there. So we created jobs too.

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Speaker 1: They closed it.

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Speaker 2: But the beauty that I and this is with UH

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Speaker 2: was standing together and Joe with Joe Woodwards were brainstorming like, Okay,

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Speaker 2: how do we quit working on trying to get a

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Speaker 2: grocery store in a neighborhood with all this AI and technology.

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Speaker 2: So what we're I've been trying to do is educate

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Speaker 2: people on their their phones, their apps. You can have

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Speaker 2: all your groceries delivered to your house now, so we

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Speaker 2: can give them cards, those those subscription We're gonna give

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Speaker 2: them prepaid subscriptions to.

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Speaker 3: A Walmart for a year. Now you can go.

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Speaker 2: You can still got to buy groceries, but now you

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Speaker 2: got the subscription that you couldn't afford that, we can

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Speaker 2: get that subscription to you. Now we can still get

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Speaker 2: groceries to you. We can't bring the store you know

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Speaker 2: to you. We'll at least have the store come to you.

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Speaker 2: But the point is, but that's that's the picture of

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Speaker 2: the neighborhood. Yes, that now because I made the strip

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Speaker 2: mall look so great. It's completely full. We have restaurants

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Speaker 2: are in there, we have a the plumbing as facts

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Speaker 2: have bought.

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Speaker 3: That area and it's but the point is it's developed.

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Speaker 1: Its providing jobs and you can picture I hope people

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Speaker 1: can picture in their mind.

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Speaker 3: Cash is sure pain because he was giggling.

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Speaker 1: But so that's what your idea is with Hope, is

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Speaker 1: to redevelop the neighborhood, serve the.

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Speaker 3: Neighbor from commercial to residential. We'll be right back.

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Speaker 1: You said earlier the importance of having a home and

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Speaker 1: how abuse goes down and everything else, which is where

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Speaker 1: we transition to the community development corporation part of your story,

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Speaker 1: which is what I think is the most phenomenal. But

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Speaker 1: earlier you said your mom worked three jobs, took care

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Speaker 1: of you guys, but was never able to own your

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Speaker 1: own home. And home base was your grandparents' home. But

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Speaker 1: your mom was never to own own home. And I

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Speaker 1: can't help but think that that experience as a kid

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Speaker 1: was a huge part of major while you're doing what

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Speaker 1: you are doing now, that all of this is kind

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Speaker 1: of leading up to what you're doing.

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Speaker 2: Now, well, it's a major part because growing up. I

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Speaker 2: can count, I can let me put back up. I

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Speaker 2: can't count how many elementaries I went to, because you know,

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Speaker 2: we come home and we had to move.

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Speaker 3: And I remember, I remember. I still talk about this vividly.

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Speaker 2: I even said in Somer's you know, if I if

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Speaker 2: God allows me, and this is not before pastoring, is

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Speaker 2: just because I grew up in my faith, Like if

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Speaker 2: God allows me to be successful, I want to be

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Speaker 2: a homeowner. Were when I have kids, uh, they're going

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Speaker 2: to go to one school one like when I say

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Speaker 2: one school, they're going to go to one elementary, They're

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Speaker 2: going to go to one.

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Speaker 3: They're not gonna be moved.

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Speaker 2: They're gonna they can they both My kids can say

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Speaker 2: I went to Buckner Elementary in which you tell Buckner Elementary,

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Speaker 2: Brooks Middle School to Northeast Magnet High School.

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Speaker 3: They they they grew up.

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Speaker 2: And the house I live in now, my kids who

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Speaker 2: are in their thirties, now this is where they grew up.

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Speaker 2: If they only know this, that's home, that's home. When

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Speaker 2: we say we're having Christmas or it's time to come home,

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Speaker 2: they know where they're coming to.

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Speaker 3: That's its base for them.

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Speaker 1: Can I ask you a quick question and Honestly, this

387
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Speaker 1: is whoo boy. This is a dumb white guy questions.

388
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Speaker 1: But I'm going to ask a dumb white guy dumb questions.

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Speaker 1: When I first started working an inner city, which is

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Speaker 1: thirty years ago, so there's a lot in my vernacular

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Speaker 1: now that didn't exist.

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Speaker 3: Prior to them. If you can imagine.

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Speaker 1: Yeah, there's so much of my life that has been

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Speaker 1: enriched by the blessing of having been accepted into and

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Speaker 1: invited into an x and loved into a culture that

396
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Speaker 1: in this country of ours, oftentimes many people don't get

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Speaker 1: to experience that kind of exposure. And that goes both sides,

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Speaker 1: right or now all three when you really think about

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Speaker 1: the Hispanic community.

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Speaker 3: But one of the.

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Speaker 1: Things that irritates me a lot is when kids I

402
00:23:25,800 --> 00:23:30,359
Speaker 1: coach say they stay somewhere. I stay here, I stay

403
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Speaker 1: here somewhere. I'd be like, where do you live? Well,

404
00:23:32,240 --> 00:23:35,640
Speaker 1: I stay here, coal surfing and I And it irritates

405
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Speaker 1: me because one of my degrees is English, and so

406
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Speaker 1: I always say, dude, would you quit using stay you

407
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Speaker 1: live somewhere? You live somewhere. And that was my approach

408
00:23:46,320 --> 00:23:52,960
Speaker 1: for a few years until I started to wonder, are

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Speaker 1: they actually correct?

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Speaker 3: Mm?

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Speaker 1: Hm, because when you are on Section eight housing or

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Speaker 1: your mom has to have government assistance, the minute rent

413
00:24:04,240 --> 00:24:07,600
Speaker 1: goes up, she got to go, and you got to

414
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Speaker 1: go with her. And so when you when every eight

415
00:24:11,320 --> 00:24:14,480
Speaker 1: to nine to fourteen months you're moving from one apartment

416
00:24:14,520 --> 00:24:18,720
Speaker 1: to another apartment one, your living room never looks the same,

417
00:24:18,800 --> 00:24:20,920
Speaker 1: your bedroom never looks the same. There's no point in

418
00:24:20,920 --> 00:24:23,320
Speaker 1: putting any things on the walls and making your place

419
00:24:23,400 --> 00:24:25,560
Speaker 1: look nice, because you know you're going to be leaving

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Speaker 1: the minute the landlord does something, or the pipe's break,

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00:24:28,840 --> 00:24:34,520
Speaker 1: or the governments syste's changes or whatever. And as a kid,

422
00:24:35,359 --> 00:24:37,919
Speaker 1: you're constantly going to the next place that you're just

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00:24:38,040 --> 00:24:40,840
Speaker 1: gonna stay, not live.

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Speaker 3: And I just wonder if the inner city.

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00:24:43,960 --> 00:24:48,560
Speaker 1: Vernacular of I stay here, rather than saying I live here,

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Speaker 1: is actually just accurate.

427
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Speaker 2: I would say so because you if you go back

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Speaker 2: in earlier our conversation, I told you I grew up

429
00:25:01,359 --> 00:25:05,199
Speaker 2: and lived at fifteen thirty three North, your grandparents. That

430
00:25:05,400 --> 00:25:08,960
Speaker 2: was my base, that was home. Because we moved so much,

431
00:25:09,920 --> 00:25:13,640
Speaker 2: I stayed here. I can from Jefferson Woodgate, I can

432
00:25:13,680 --> 00:25:16,560
Speaker 2: just name. I can see these places just Chataqua, Primrose.

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Speaker 2: These are just places I can see where I lived

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Speaker 2: are stayed two three years. I can't remember living somewhere

435
00:25:29,440 --> 00:25:32,240
Speaker 2: five ten years growing.

436
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Speaker 3: Up never And so in some part you're trying to.

437
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Speaker 1: We had another guest, and I hope to keep evoking guests,

438
00:25:46,520 --> 00:25:50,360
Speaker 1: but we had another guest who who's a really wealthy

439
00:25:50,440 --> 00:25:54,040
Speaker 1: developer who came from somewhere out west and he's now

440
00:25:54,040 --> 00:25:59,640
Speaker 1: in Charlotte area and he's building these communities that have

441
00:25:59,720 --> 00:26:07,560
Speaker 1: schools and restaurants and medical care and living apartments and

442
00:26:07,720 --> 00:26:10,200
Speaker 1: all of it kind of in proximity. And the reason

443
00:26:10,280 --> 00:26:15,119
Speaker 1: he's doing it all is because their data showed them

444
00:26:15,880 --> 00:26:18,639
Speaker 1: that one of the reasons kids in the inner city

445
00:26:19,359 --> 00:26:24,439
Speaker 1: that the reading on grade level is so abysmal is

446
00:26:24,480 --> 00:26:29,640
Speaker 1: because the data shows that when a kid leaves a

447
00:26:29,680 --> 00:26:33,960
Speaker 1: school midyear that he is basically starting over. So if

448
00:26:34,000 --> 00:26:36,080
Speaker 1: your mom is put out or she has to move

449
00:26:36,119 --> 00:26:38,680
Speaker 1: because the rent comes up, she doesn't wait till the

450
00:26:38,760 --> 00:26:40,320
Speaker 1: end of the school year. She got to go that

451
00:26:40,480 --> 00:26:46,040
Speaker 1: week for HER's on the curve, right, And so you

452
00:26:46,560 --> 00:26:49,320
Speaker 1: leave as a second grader, and you go stay at

453
00:26:49,359 --> 00:26:52,000
Speaker 1: another apartment and you enroll in the school that's in

454
00:26:52,000 --> 00:26:56,520
Speaker 1: that district, Well, what the class you left, and the

455
00:26:56,520 --> 00:26:59,399
Speaker 1: teacher you left, and then the class you get input

456
00:26:59,400 --> 00:27:02,240
Speaker 1: into in the teacher and put in you're not with

457
00:27:02,320 --> 00:27:04,399
Speaker 1: that class, so you've got to spend time catching up.

458
00:27:04,440 --> 00:27:06,320
Speaker 1: And then by the time you catch up, you go

459
00:27:06,400 --> 00:27:11,040
Speaker 1: again and in the school district promotes you because.

460
00:27:10,760 --> 00:27:11,399
Speaker 3: Of your age.

461
00:27:12,880 --> 00:27:15,560
Speaker 1: And if you do that five times over the course

462
00:27:15,560 --> 00:27:19,240
Speaker 1: of kindergarten to third grade, you're still at a first

463
00:27:19,240 --> 00:27:22,560
Speaker 1: grade level because you never had the consistency to catch up.

464
00:27:22,600 --> 00:27:26,560
Speaker 1: So his goal was, let's create housing and schools where

465
00:27:26,600 --> 00:27:31,080
Speaker 1: people can actually remain there. So these kids quit get

466
00:27:31,119 --> 00:27:35,240
Speaker 1: moved around. And what they've modeled out and proven is

467
00:27:35,240 --> 00:27:42,320
Speaker 1: it by just having settled housing, kids scores double reading

468
00:27:42,600 --> 00:27:47,560
Speaker 1: reading proficiency goes through the roof just from stopping these

469
00:27:47,680 --> 00:27:49,520
Speaker 1: kids having to constantly move.

470
00:27:49,760 --> 00:27:54,520
Speaker 2: Yes, schools, schools, neighborhoods, friends, all of them men.

471
00:27:57,400 --> 00:28:01,320
Speaker 1: But it feels like that's exactly what you're trying to attack.

472
00:28:01,480 --> 00:28:03,960
Speaker 2: Now, Yes, that's what I am attacking. How do we

473
00:28:04,560 --> 00:28:09,720
Speaker 2: how do we stop this cycle? And for me personally,

474
00:28:09,840 --> 00:28:13,040
Speaker 2: part of what I discovered watching my own kids was

475
00:28:13,520 --> 00:28:17,520
Speaker 2: part of technique. Or are stopping that that cycle is

476
00:28:19,480 --> 00:28:21,679
Speaker 2: housing a place to call home?

477
00:28:22,160 --> 00:28:24,920
Speaker 1: So here we go now we're into the community development

478
00:28:24,960 --> 00:28:29,480
Speaker 1: corporation stuff, the really cool thing that actually watched like

479
00:28:29,520 --> 00:28:35,440
Speaker 1: a news clip on all that sounds good, but nobody

480
00:28:35,480 --> 00:28:38,120
Speaker 1: has cash for houses. You've got to be able to

481
00:28:38,120 --> 00:28:42,440
Speaker 1: get a loan. Well, if you've never had any financial literacy,

482
00:28:42,600 --> 00:28:45,600
Speaker 1: a checkbook, or taken care of any kind of any

483
00:28:45,680 --> 00:28:51,400
Speaker 1: kind of credit, you can't qualify for a loan. You've got,

484
00:28:51,560 --> 00:28:55,240
Speaker 1: I mean, you've got in these neighborhoods housing that has

485
00:28:55,280 --> 00:28:57,560
Speaker 1: been passed over and dilapidated because people didn't.

486
00:28:57,400 --> 00:28:58,120
Speaker 3: Have to keep it up.

487
00:28:58,160 --> 00:29:04,800
Speaker 1: So while we see that steady home ownership decreases, balance decreases,

488
00:29:04,920 --> 00:29:10,280
Speaker 1: crime increases, pride increases, reading levels for the children, decreases,

489
00:29:10,400 --> 00:29:16,720
Speaker 1: broken families, how important that home is in these neighborhoods,

490
00:29:16,800 --> 00:29:19,480
Speaker 1: especially like you're in, where your church is, in where

491
00:29:19,520 --> 00:29:22,760
Speaker 1: you've decided to be a community activist. The actual act

492
00:29:22,880 --> 00:29:25,720
Speaker 1: of owning a home, getting over the hurdles to be

493
00:29:25,760 --> 00:29:29,480
Speaker 1: able to do that are extraordinary, very hard.

494
00:29:29,600 --> 00:29:32,400
Speaker 3: So how'd you fix it? Well, we're still working.

495
00:29:32,720 --> 00:29:34,600
Speaker 1: How we fix Tell me what you're doing, because I

496
00:29:34,680 --> 00:29:37,000
Speaker 1: know you've got houses going up right now.

497
00:29:36,960 --> 00:29:40,360
Speaker 2: So we we First of all, I am what I've

498
00:29:40,400 --> 00:29:42,960
Speaker 2: done and there's a lot of work, a lot of

499
00:29:43,000 --> 00:29:43,720
Speaker 2: lead works.

500
00:29:43,600 --> 00:29:45,640
Speaker 3: Is over the course of five years, right, yes, and

501
00:29:45,680 --> 00:29:46,840
Speaker 3: we're still growing.

502
00:29:47,840 --> 00:29:50,920
Speaker 2: But what we've done is we went into the neighborhoods

503
00:29:50,920 --> 00:29:56,080
Speaker 2: and we built in We bought infields, empty lots, and

504
00:29:56,120 --> 00:29:59,080
Speaker 2: we did some stick builds, and we bought a whole

505
00:29:59,080 --> 00:30:02,320
Speaker 2: lot of homes from the city, which.

506
00:30:02,360 --> 00:30:04,440
Speaker 3: Used by homes from the city like tax sales.

507
00:30:04,640 --> 00:30:06,760
Speaker 2: Yeah, tax and huh they had well the city, which

508
00:30:06,760 --> 00:30:09,240
Speaker 2: you say is basically getting out of the housing business

509
00:30:09,320 --> 00:30:12,080
Speaker 2: what I call it. And so all their hud homes

510
00:30:12,120 --> 00:30:16,440
Speaker 2: that they have boarded up, literally boarded up because they're

511
00:30:16,600 --> 00:30:20,720
Speaker 2: basically getting out the business. Is that our nonprofit through

512
00:30:20,760 --> 00:30:24,920
Speaker 2: a lot of generosity out here fundraising because you know,

513
00:30:26,680 --> 00:30:31,240
Speaker 2: community development corporation, nonprofit. You're not asking for a couple

514
00:30:31,800 --> 00:30:33,000
Speaker 2: two thousand and three thousand.

515
00:30:33,160 --> 00:30:34,920
Speaker 3: You need some money, you need.

516
00:30:34,760 --> 00:30:39,360
Speaker 2: Millions because you're trying to buy a block. Can we

517
00:30:39,400 --> 00:30:42,880
Speaker 2: go back just for sure, because I had to look

518
00:30:42,920 --> 00:30:43,240
Speaker 2: it up.

519
00:30:43,480 --> 00:30:46,680
Speaker 1: Sure when I read this, and I think it's important

520
00:30:46,800 --> 00:30:50,760
Speaker 1: for our listeners to understand when you say this city

521
00:30:50,800 --> 00:30:53,120
Speaker 1: had to get out of the housing business. I don't

522
00:30:53,160 --> 00:30:56,840
Speaker 1: think most people really recognized that these cities and Memphis

523
00:30:56,960 --> 00:31:03,120
Speaker 1: is one of them. Our cities since around the sixties, yes,

524
00:31:04,160 --> 00:31:06,600
Speaker 1: which I think was well intentioned policy at the.

525
00:31:06,480 --> 00:31:09,240
Speaker 3: Time, well well intended.

526
00:31:08,920 --> 00:31:14,680
Speaker 1: Has found themselves in the housing business and have done

527
00:31:14,720 --> 00:31:18,840
Speaker 1: a horrific job of managing it and keeping the properties up,

528
00:31:18,920 --> 00:31:20,480
Speaker 1: which leads to blight.

529
00:31:21,920 --> 00:31:24,880
Speaker 3: And always mourned up. And this is what we're talking.

530
00:31:24,720 --> 00:31:27,280
Speaker 4: Atually where by Masakowski lived next to Kirbrina Green.

531
00:31:27,360 --> 00:31:31,440
Speaker 1: Yeah, we're talking about the project, the projects, So can

532
00:31:31,480 --> 00:31:34,800
Speaker 1: you take us through that before you go to how

533
00:31:34,840 --> 00:31:36,320
Speaker 1: you bought them from the city.

534
00:31:36,560 --> 00:31:40,160
Speaker 2: So, like you said, back in it was the sixties,

535
00:31:41,720 --> 00:31:44,520
Speaker 2: how do we build these affordable housing there?

536
00:31:44,600 --> 00:31:45,640
Speaker 3: And which they did. They did it.

537
00:31:45,680 --> 00:31:50,280
Speaker 2: They were working on this project of affordable affordability for

538
00:31:51,000 --> 00:31:54,640
Speaker 2: the urban community and in the process they created these ghettos,

539
00:31:54,760 --> 00:31:57,080
Speaker 2: these slum from New York to Chicago, named some of

540
00:31:57,160 --> 00:32:01,240
Speaker 2: your largest cities. And then when they got to the Midwest,

541
00:32:01,320 --> 00:32:05,960
Speaker 2: they didn't do them, you know, vertical, they went horizontal.

542
00:32:06,320 --> 00:32:11,080
Speaker 2: But they were still projects and they were communities where

543
00:32:11,200 --> 00:32:14,880
Speaker 2: they were hut you know, hud homes. The city the

544
00:32:14,880 --> 00:32:19,320
Speaker 2: federal government built these homes. And you know, if you

545
00:32:19,360 --> 00:32:21,880
Speaker 2: said I live here, we like we know where you,

546
00:32:22,240 --> 00:32:24,320
Speaker 2: we know, what did you live in the hood?

547
00:32:24,000 --> 00:32:24,880
Speaker 3: You know?

548
00:32:25,280 --> 00:32:29,400
Speaker 1: But the problem is that that's perpetual rent. Because when

549
00:32:29,440 --> 00:32:31,520
Speaker 1: the city and the federal government owns them and provides

550
00:32:31,560 --> 00:32:34,920
Speaker 1: you with assistant housing and low income service housing, that's great,

551
00:32:34,920 --> 00:32:36,400
Speaker 1: you got a roof over your head, but you're never

552
00:32:36,440 --> 00:32:37,160
Speaker 1: gonna get up.

553
00:32:37,200 --> 00:32:38,120
Speaker 3: You're never going to own right.

554
00:32:38,160 --> 00:32:41,320
Speaker 2: But they didn't have the what we call ecosystem help

555
00:32:41,360 --> 00:32:44,280
Speaker 2: them get out of poverty. It was this assist them

556
00:32:44,320 --> 00:32:46,200
Speaker 2: to have a place to stay. But how do we

557
00:32:46,400 --> 00:32:48,560
Speaker 2: get them from that place to actually buy it from?

558
00:32:48,600 --> 00:32:51,280
Speaker 3: You? Have you seen.

559
00:32:52,800 --> 00:32:54,800
Speaker 1: In which dall what I've seen in Memphis? And I

560
00:32:54,840 --> 00:33:00,400
Speaker 1: bet you're gonna say yes that when you're in that

561
00:33:00,480 --> 00:33:04,480
Speaker 1: kind of housing situation and you're also in the free

562
00:33:04,560 --> 00:33:08,360
Speaker 1: cheese line every two weeks in there, that you might

563
00:33:08,400 --> 00:33:10,400
Speaker 1: could get a raised or get a job, or you

564
00:33:10,480 --> 00:33:13,280
Speaker 1: might could get married. But if you do, you lose

565
00:33:13,320 --> 00:33:20,280
Speaker 1: your basic sustenance. And so you're actually systematically by well

566
00:33:20,320 --> 00:33:22,960
Speaker 1: intentioned but what it turns out to be really bad

567
00:33:23,080 --> 00:33:27,160
Speaker 1: policy kind of kept in this cycle of poverty because

568
00:33:27,160 --> 00:33:29,720
Speaker 1: you can't afford to take the risk to get out

569
00:33:29,760 --> 00:33:31,800
Speaker 1: because then you lose what little you do have.

570
00:33:32,240 --> 00:33:35,120
Speaker 2: Yes, that's why my dad didn't live with us. You

571
00:33:35,640 --> 00:33:37,320
Speaker 2: have a man in a house. You didn't get No,

572
00:33:37,520 --> 00:33:39,720
Speaker 2: you didn't get subsidized. You didn't get subsidized. You had

573
00:33:39,760 --> 00:33:43,280
Speaker 2: to be a single parent. And I mean I knew

574
00:33:43,280 --> 00:33:45,640
Speaker 2: my dad loved my dad. I mean he's deceased as

575
00:33:45,760 --> 00:33:49,760
Speaker 2: he was a chain smoker. But uh, that was part

576
00:33:49,800 --> 00:33:52,840
Speaker 2: of it. You know, if you, if you and and so,

577
00:33:53,280 --> 00:33:55,760
Speaker 2: you had a lot of families that I grew up

578
00:33:55,800 --> 00:34:01,320
Speaker 2: with no dance in the house because are they had

579
00:34:01,320 --> 00:34:04,160
Speaker 2: to live They lived there, but didn't legally live there.

580
00:34:04,560 --> 00:34:12,600
Speaker 1: The hypocrisy, du Yeah, a hypocrisy is we the government, culture,

581
00:34:12,760 --> 00:34:19,240
Speaker 1: society policy say, organic two parent families are what fixes everything.

582
00:34:19,440 --> 00:34:21,080
Speaker 3: Yes, you've got to have a home.

583
00:34:20,960 --> 00:34:24,839
Speaker 1: Two incomes can you got to pull yourself, but we're

584
00:34:24,840 --> 00:34:27,560
Speaker 1: going to incentivize you to do the very opposite of

585
00:34:27,600 --> 00:34:31,000
Speaker 1: what we're telling you to do. And over decades of that,

586
00:34:31,040 --> 00:34:35,680
Speaker 1: in generations of that, you end up with dilapidated spiral hood,

587
00:34:35,760 --> 00:34:38,719
Speaker 1: spiked food deserts where your church sits.

588
00:34:38,560 --> 00:34:42,719
Speaker 2: Yes, and it spirals spirals in their own directions. So what,

589
00:34:42,880 --> 00:34:46,359
Speaker 2: like I said, was good intentions, bad outcomes.

590
00:34:46,920 --> 00:34:47,279
Speaker 3: And so.

591
00:34:49,000 --> 00:34:52,080
Speaker 2: As our nonprofit, we're like, okay, since you're trying to

592
00:34:52,080 --> 00:34:54,719
Speaker 2: get out the business, let us because we're I'm gonna

593
00:34:54,760 --> 00:34:57,400
Speaker 2: we're great landlords. I have a great management team.

594
00:34:57,840 --> 00:34:58,520
Speaker 3: I had a young.

595
00:34:58,440 --> 00:35:01,960
Speaker 2: Lady, we had a washroom dry She called Saturday Monday

596
00:35:01,960 --> 00:35:05,239
Speaker 2: her washing drawers fix. You know, she's telling like, man,

597
00:35:05,280 --> 00:35:07,839
Speaker 2: I would call my old landlord, you know to do

598
00:35:07,880 --> 00:35:08,399
Speaker 2: something like that.

599
00:35:08,480 --> 00:35:10,799
Speaker 3: Oh God, forbid the city and take them on. Might

600
00:35:10,880 --> 00:35:14,440
Speaker 3: take six months. Yeah, And so I'm like, no, no,

601
00:35:14,480 --> 00:35:15,240
Speaker 3: we got to let people.

602
00:35:15,280 --> 00:35:18,200
Speaker 2: And so because we're trying to so while we're trying

603
00:35:18,200 --> 00:35:20,880
Speaker 2: to get ahead of myself while so that same family

604
00:35:20,920 --> 00:35:23,719
Speaker 2: we're trying to, we're educating them so while they're in

605
00:35:23,840 --> 00:35:27,400
Speaker 2: our properties, because our so let me back up. So

606
00:35:27,760 --> 00:35:34,000
Speaker 2: hope we we we lease, we least uh uh for

607
00:35:34,080 --> 00:35:36,799
Speaker 2: home ownership. Are we build straight for homeowners So if

608
00:35:36,840 --> 00:35:39,440
Speaker 2: you can, if you have the right income, we'll build

609
00:35:39,560 --> 00:35:42,719
Speaker 2: and happily want to make homeowner because homeowners make better,

610
00:35:42,960 --> 00:35:46,839
Speaker 2: stronger neighborhoods. But we have our generation I call them millennials.

611
00:35:47,320 --> 00:35:51,000
Speaker 1: So you you actually bought hud homes, dilapidated board of

612
00:35:51,040 --> 00:35:53,040
Speaker 1: homes from the city, and we have them.

613
00:35:53,280 --> 00:35:57,000
Speaker 2: And we and we then we we advertise and we

614
00:35:57,040 --> 00:36:00,200
Speaker 2: work with the city because those folks this way eating

615
00:36:00,280 --> 00:36:02,400
Speaker 2: list that they have with section eight, the vouchers, we

616
00:36:02,440 --> 00:36:05,160
Speaker 2: call it voucher choice. We bring them in, but I

617
00:36:05,480 --> 00:36:07,960
Speaker 2: bring them in with an interview like, look, yes you

618
00:36:08,000 --> 00:36:10,279
Speaker 2: have your voucher, but our goal is to get you

619
00:36:10,320 --> 00:36:15,040
Speaker 2: off the voucher. So here here's what a financial llergy

620
00:36:15,080 --> 00:36:18,319
Speaker 2: class look like. Uh, we got bridges out of poverties

621
00:36:18,520 --> 00:36:22,839
Speaker 2: that we teach. I facilitated how to bridge them into

622
00:36:22,840 --> 00:36:28,440
Speaker 2: the future, how to home ownership, budgeting, what.

623
00:36:28,440 --> 00:36:31,960
Speaker 1: About finance, interest rates, all all of that. My wife,

624
00:36:32,040 --> 00:36:32,880
Speaker 1: My wife's a banger.

625
00:36:32,960 --> 00:36:35,560
Speaker 2: She does a whole class on how you even to

626
00:36:35,560 --> 00:36:37,480
Speaker 2: do a mortgage, how to buy one, how to get

627
00:36:37,480 --> 00:36:38,239
Speaker 2: your credit right.

628
00:36:38,280 --> 00:36:40,880
Speaker 3: We have credit counseling where we say, so that's what

629
00:36:40,920 --> 00:36:41,319
Speaker 3: I'm saying.

630
00:36:41,360 --> 00:36:44,120
Speaker 1: How can these people that you're building these homes for

631
00:36:45,120 --> 00:36:48,279
Speaker 1: end up in ownership when their credits my stuff? And

632
00:36:48,640 --> 00:36:51,360
Speaker 1: how do you do That's the part I don't understand.

633
00:36:51,360 --> 00:36:53,520
Speaker 1: How you do that's stuff That's the key to me.

634
00:36:54,120 --> 00:36:57,480
Speaker 2: So you said, when as you're working with them, you're

635
00:36:57,480 --> 00:37:01,440
Speaker 2: connecting them with again using like a bank. Are you

636
00:37:01,560 --> 00:37:04,120
Speaker 2: connecting them to what we call the credit consumer counseling,

637
00:37:04,480 --> 00:37:07,680
Speaker 2: which we use to say, okay, here's your credit card.

638
00:37:07,680 --> 00:37:08,759
Speaker 2: That's what we got to do to get you to

639
00:37:08,800 --> 00:37:11,600
Speaker 2: get this credit score right, which was created in the

640
00:37:11,680 --> 00:37:16,040
Speaker 2: nineteen eighties. By the way, another there was no such

641
00:37:16,040 --> 00:37:18,960
Speaker 2: thing as a credit score until you had this upward

642
00:37:19,080 --> 00:37:20,879
Speaker 2: mobility of people like, hey.

643
00:37:20,640 --> 00:37:23,560
Speaker 3: We got too many folks move it outside the red.

644
00:37:23,520 --> 00:37:28,000
Speaker 2: Zone the red zone, so we need to make sure

645
00:37:28,040 --> 00:37:29,319
Speaker 2: they can live over here.

646
00:37:29,480 --> 00:37:32,520
Speaker 1: So you gotta have this score. And that's where you

647
00:37:32,560 --> 00:37:35,719
Speaker 1: get it's that right. Oh yeah, now that's interesting.

648
00:37:35,840 --> 00:37:39,160
Speaker 2: Yeah, credit score never existed in the sixties and fifties

649
00:37:39,160 --> 00:37:39,600
Speaker 2: and forties.

650
00:37:39,680 --> 00:37:40,200
Speaker 3: That happened.

651
00:37:40,840 --> 00:37:43,000
Speaker 1: It came out of nowhere in the eighties. Research it.

652
00:37:43,520 --> 00:37:44,719
Speaker 1: I want you to research it.

653
00:37:44,800 --> 00:37:46,120
Speaker 3: You'll see this. I will.

654
00:37:46,239 --> 00:37:48,920
Speaker 1: But I also take you to your word. But the

655
00:37:49,000 --> 00:37:51,600
Speaker 1: point is you're saying the whole credit score.

656
00:37:52,000 --> 00:37:57,600
Speaker 2: Another to me, another set of roadblock because they're the

657
00:37:57,680 --> 00:38:00,359
Speaker 2: gi bill. You know, you come back from the middle terry.

658
00:38:00,360 --> 00:38:02,160
Speaker 2: We'll just give them money, await and then wait, wait

659
00:38:02,200 --> 00:38:05,839
Speaker 2: a minute, we know you serve, but is your score right?

660
00:38:06,640 --> 00:38:08,319
Speaker 2: Because we don't want you to able to move out

661
00:38:08,320 --> 00:38:11,480
Speaker 2: here too. So really here escore is to those so

662
00:38:11,520 --> 00:38:16,319
Speaker 2: you need to buy in this area. Wow credit score. Yeah,

663
00:38:16,360 --> 00:38:20,640
Speaker 2: that's another story. It's just interesting, but it's really interesting.

664
00:38:20,680 --> 00:38:22,759
Speaker 1: But Alex will get mad at me if I take

665
00:38:22,800 --> 00:38:23,919
Speaker 1: us too far down that road.

666
00:38:27,400 --> 00:38:28,359
Speaker 3: We'll be right back.

667
00:38:39,520 --> 00:38:43,680
Speaker 1: You decide, home ownership's the key that will revitalize the

668
00:38:43,680 --> 00:38:46,439
Speaker 1: neighborhood through home ownership, and we're going to teaching people

669
00:38:46,480 --> 00:38:50,719
Speaker 1: to it. And you start buying property, bacant property and

670
00:38:50,960 --> 00:38:54,200
Speaker 1: old hold homes and fixing them up and leasing them

671
00:38:54,239 --> 00:38:56,680
Speaker 1: to people who could. But then trying to teach your

672
00:38:56,719 --> 00:38:58,280
Speaker 1: goal is to not least forever.

673
00:38:58,560 --> 00:39:00,880
Speaker 2: No, especially as a non I don't want to have

674
00:39:00,920 --> 00:39:03,439
Speaker 2: a thousand homes on the books where I'm like, we're

675
00:39:03,480 --> 00:39:06,440
Speaker 2: making money now, nonprofit, you're in this tomate, you know,

676
00:39:07,120 --> 00:39:10,080
Speaker 2: but you need some capital for your staffing. So you're gonna,

677
00:39:10,160 --> 00:39:12,239
Speaker 2: you know, if I do apartment complex, but it's gonna

678
00:39:12,239 --> 00:39:15,840
Speaker 2: be a beautiful like for seniors who are on fixed income.

679
00:39:15,880 --> 00:39:19,000
Speaker 2: But my goal is to take younger people and they

680
00:39:19,000 --> 00:39:22,000
Speaker 2: help them stay in the neighborhood, own their properties, and

681
00:39:22,000 --> 00:39:24,839
Speaker 2: make the neighborhood good that people want to move back

682
00:39:24,920 --> 00:39:29,120
Speaker 2: into it, meaning businesses because they see these younger people

683
00:39:29,120 --> 00:39:31,359
Speaker 2: who own their homes in that neighborhood. Well, you can

684
00:39:31,719 --> 00:39:34,040
Speaker 2: put a grocery store here now on your own without

685
00:39:34,080 --> 00:39:37,400
Speaker 2: me doing what I'm doing. But if you if you

686
00:39:37,480 --> 00:39:40,479
Speaker 2: can't just get it to the homeowner, you can still

687
00:39:40,520 --> 00:39:41,120
Speaker 2: do leasing.

688
00:39:42,360 --> 00:39:45,160
Speaker 3: But what happened for us with Hope was.

689
00:39:47,640 --> 00:39:51,160
Speaker 2: After COVID and all that we went came out of

690
00:39:51,920 --> 00:39:52,720
Speaker 2: is the price.

691
00:39:53,600 --> 00:39:57,680
Speaker 1: You know, stick bill construction londer. Housing costs have gone

692
00:39:57,719 --> 00:39:58,399
Speaker 1: through the roof.

693
00:39:58,719 --> 00:40:02,000
Speaker 2: I mean to build a three bedroom, two bathroom home

694
00:40:02,200 --> 00:40:05,839
Speaker 2: or you can say two bedroom, one bathroom, whatever, whatever you know,

695
00:40:05,920 --> 00:40:09,400
Speaker 2: we're looking at, you know, starting ground two hundred thousand

696
00:40:09,840 --> 00:40:13,279
Speaker 2: host costs you just think of lumber, you know. And

697
00:40:13,360 --> 00:40:16,720
Speaker 2: so we had to like, okay, what what other models

698
00:40:16,719 --> 00:40:20,400
Speaker 2: are out there that works where we can we as builder,

699
00:40:20,480 --> 00:40:23,480
Speaker 2: as a developer, can do what we're doing, but keep

700
00:40:23,560 --> 00:40:26,160
Speaker 2: our cost low so we can keep it affordable for

701
00:40:26,239 --> 00:40:30,359
Speaker 2: those we we rent to uh and our least too.

702
00:40:30,400 --> 00:40:32,120
Speaker 3: I like to say released, because my goal is to

703
00:40:32,120 --> 00:40:36,319
Speaker 3: move them out of this place. Yeah, you know we.

704
00:40:36,400 --> 00:40:38,880
Speaker 1: Want to, but you're trying to release them from that

705
00:40:39,080 --> 00:40:40,520
Speaker 1: and and and get them to the place of being

706
00:40:40,760 --> 00:40:44,040
Speaker 1: homeowners are are if not able to be don't because

707
00:40:44,160 --> 00:40:45,959
Speaker 1: we discover something just don't want to be home owners.

708
00:40:46,000 --> 00:40:47,960
Speaker 2: Some folks don't want to fix one of the dis

709
00:40:48,080 --> 00:40:49,960
Speaker 2: far as your breaks, you know. You know, we got

710
00:40:50,000 --> 00:40:52,520
Speaker 2: that generation and folks like I just want to lease

711
00:40:53,480 --> 00:40:56,120
Speaker 2: and uh so we cut grass and pull the trash.

712
00:40:56,160 --> 00:40:58,160
Speaker 2: But anyway, sorry, I'm going down my own.

713
00:40:58,640 --> 00:40:59,080
Speaker 3: That's good.

714
00:40:59,680 --> 00:41:03,120
Speaker 2: So we buy these properties and we're trying to get

715
00:41:03,160 --> 00:41:04,880
Speaker 2: them to the place of where they can afford them

716
00:41:04,920 --> 00:41:09,960
Speaker 2: to buy. And so what we discovered was for our

717
00:41:10,080 --> 00:41:12,040
Speaker 2: model that we's modular homes.

718
00:41:12,040 --> 00:41:13,399
Speaker 3: People. It's not mobile home.

719
00:41:13,800 --> 00:41:17,719
Speaker 2: Please, we're not making mobile parks and from all my

720
00:41:17,840 --> 00:41:20,080
Speaker 2: mobile home for people who live out there. Nothing against

721
00:41:20,120 --> 00:41:24,200
Speaker 2: mobile homes either, but people are looking for I was

722
00:41:24,239 --> 00:41:29,239
Speaker 2: looking for what is affordable product that can still be

723
00:41:29,360 --> 00:41:30,520
Speaker 2: a home, I mean.

724
00:41:31,280 --> 00:41:33,200
Speaker 3: Not a place, but a home.

725
00:41:34,000 --> 00:41:37,080
Speaker 2: And so modular homes is where we I went down

726
00:41:37,120 --> 00:41:43,600
Speaker 2: to Tulsa, Oklahoma. We're out really outskirts of Tulsa. Prime

727
00:41:43,719 --> 00:41:49,080
Speaker 2: Craftsmen family owned, husband and wife went down and visited,

728
00:41:49,400 --> 00:41:53,920
Speaker 2: and I had some empty lots and we bought four

729
00:41:54,200 --> 00:41:57,520
Speaker 2: of their mosular homes and brought them up. It's just

730
00:41:57,560 --> 00:42:00,839
Speaker 2: like it's a home. It's not mobile, it's permanent. So

731
00:42:00,920 --> 00:42:04,759
Speaker 2: we build you you build the stem wall and the foundation,

732
00:42:05,800 --> 00:42:08,200
Speaker 2: the crawl space, everything, and then they bring it in

733
00:42:08,719 --> 00:42:12,440
Speaker 2: same as a stick build, but it's already built inside

734
00:42:12,440 --> 00:42:15,040
Speaker 2: the manufacturing and they just place it on the path

735
00:42:15,160 --> 00:42:18,360
Speaker 2: and then they and it's hurricane resistant. It's tied down,

736
00:42:18,480 --> 00:42:21,520
Speaker 2: it's bolted down, just like a framing, but it's all

737
00:42:21,719 --> 00:42:25,120
Speaker 2: all of it's done inside. It cut our costs in half.

738
00:42:25,360 --> 00:42:28,120
Speaker 2: I can do Yeah, I can do well. I was saying,

739
00:42:28,120 --> 00:42:29,920
Speaker 2: like two hundred two and fifty, I can do. I

740
00:42:29,920 --> 00:42:33,080
Speaker 2: can do a two bedroom, two bath for one fifty

741
00:42:34,200 --> 00:42:36,479
Speaker 2: the buy not knowing you got to it still add

742
00:42:36,480 --> 00:42:40,319
Speaker 2: in your your your concrete for the driveway, but just

743
00:42:40,360 --> 00:42:43,960
Speaker 2: to build it's it's affordable. Now I can make the

744
00:42:44,040 --> 00:42:46,400
Speaker 2: numbers work where I can if I can keep my

745
00:42:46,560 --> 00:42:48,520
Speaker 2: note because you know we have the note on it

746
00:42:49,160 --> 00:42:52,240
Speaker 2: at you know, say one fifty, that's my number one fifty.

747
00:42:52,480 --> 00:42:53,040
Speaker 3: Well, now I can.

748
00:42:53,239 --> 00:42:55,680
Speaker 2: I can rent this two bedroom, two bath mos or

749
00:42:55,680 --> 00:42:58,160
Speaker 2: home and that because you based it on your zip

750
00:42:58,200 --> 00:43:01,120
Speaker 2: code in six seven two on four for nine hundred

751
00:43:01,160 --> 00:43:03,960
Speaker 2: and twenty dollars compared to that same house if I

752
00:43:04,000 --> 00:43:05,680
Speaker 2: put it out there in a different zip code.

753
00:43:05,719 --> 00:43:10,440
Speaker 1: My daughter before she moved, got married and moved to Montana.

754
00:43:10,800 --> 00:43:16,920
Speaker 1: Rented a one bedroom, one bath apartment in a nineteen

755
00:43:17,239 --> 00:43:21,520
Speaker 1: thirties built place that was rehabbed in midtown Memphis, which

756
00:43:21,560 --> 00:43:24,920
Speaker 1: is nice enough but not great. She was paying twenty

757
00:43:24,960 --> 00:43:26,839
Speaker 1: one this is four years ago. She was paying twenty

758
00:43:26,880 --> 00:43:29,799
Speaker 1: one hundred month. No, thank you. That's what we're eliminating

759
00:43:29,960 --> 00:43:33,040
Speaker 1: with the man. Literally is half what she was paying.

760
00:43:33,480 --> 00:43:37,560
Speaker 1: We underhaf over more than half more than because it's

761
00:43:37,760 --> 00:43:40,160
Speaker 1: so how do they transition to be able to own

762
00:43:40,239 --> 00:43:40,600
Speaker 1: that home?

763
00:43:40,719 --> 00:43:43,879
Speaker 2: Then I was so, well, this is a beautiful his name.

764
00:43:43,960 --> 00:43:46,600
Speaker 2: I wish Steve was there, Steve phil Meyer's partner minds.

765
00:43:46,640 --> 00:43:49,560
Speaker 2: He's which is all affordable housing, part of Coke. He's

766
00:43:49,680 --> 00:43:53,560
Speaker 2: retired CFO from Coke. Love is, I mean the heart

767
00:43:53,600 --> 00:43:54,560
Speaker 2: of God. I just love him.

768
00:43:54,960 --> 00:43:58,160
Speaker 3: He's like a brother to me. I'm younger, I'm the

769
00:43:58,200 --> 00:44:02,799
Speaker 3: younger one, but love is. I'm sure he's listening. Who

770
00:44:02,800 --> 00:44:07,480
Speaker 3: says how much? He not that much?

771
00:44:07,560 --> 00:44:10,080
Speaker 1: You're not even five year old?

772
00:44:10,239 --> 00:44:14,799
Speaker 3: But no, no, But he retired CFO from Coke.

773
00:44:15,719 --> 00:44:19,440
Speaker 2: Connects with standing together and he has a passion been

774
00:44:19,480 --> 00:44:22,040
Speaker 2: in which it all thirty five plus years.

775
00:44:22,840 --> 00:44:24,600
Speaker 3: And we drove.

776
00:44:24,680 --> 00:44:26,960
Speaker 2: He and I are ones who drove the Tulson We've

777
00:44:26,960 --> 00:44:30,120
Speaker 2: seen it, his son Derek and who's part of his team,

778
00:44:30,160 --> 00:44:31,560
Speaker 2: and we said, you know what, we got to bring

779
00:44:31,600 --> 00:44:37,680
Speaker 2: this here. And so with his backing financial support and

780
00:44:37,800 --> 00:44:41,239
Speaker 2: connected me with other folks, uh that have that kind

781
00:44:41,280 --> 00:44:43,759
Speaker 2: of financial resources to help. But you got to show

782
00:44:43,760 --> 00:44:46,880
Speaker 2: them what you're doing. We started to process.

783
00:44:47,200 --> 00:44:49,640
Speaker 1: So, so how does that person that rents that home

784
00:44:49,760 --> 00:44:51,239
Speaker 1: end up being able to own it?

785
00:44:51,840 --> 00:44:53,879
Speaker 2: Well, again, I'm sorry, thank you for saying that, because

786
00:44:53,880 --> 00:44:56,640
Speaker 2: I was talking about giving Steve's kudos.

787
00:44:56,920 --> 00:44:58,680
Speaker 3: No, I know, I get it, and I appreciate it.

788
00:44:58,719 --> 00:44:59,520
Speaker 3: But I.

789
00:45:01,280 --> 00:45:06,080
Speaker 1: In my mind, everything you say and everything I've heard

790
00:45:06,080 --> 00:45:09,480
Speaker 1: from other guests with similar stories makes so much sense.

791
00:45:10,400 --> 00:45:17,600
Speaker 1: Fix these neighborhoods with some consistency, some permanence, some pride,

792
00:45:17,680 --> 00:45:21,279
Speaker 1: some ownership, keep these kids in schools. It really is

793
00:45:21,360 --> 00:45:25,840
Speaker 1: the answer. It's interesting that a community police officer became

794
00:45:25,880 --> 00:45:29,440
Speaker 1: a community pastor who cares so much about his community

795
00:45:29,480 --> 00:45:31,960
Speaker 1: that he's gotten into all this, which is why your

796
00:45:32,000 --> 00:45:37,719
Speaker 1: story's so unique. But from a pragmatic perspective, if all

797
00:45:37,760 --> 00:45:41,279
Speaker 1: you're doing is leasing these cool new homes, then you're

798
00:45:41,440 --> 00:45:45,000
Speaker 1: really not fixing the problem. And how do you get

799
00:45:45,040 --> 00:45:48,200
Speaker 1: these folks who can't really qualify for traditional loans to

800
00:45:48,239 --> 00:45:51,799
Speaker 1: go buy a home. To convert from leasing these cool

801
00:45:51,840 --> 00:45:55,160
Speaker 1: places you're making to ownership. That's the key to me.

802
00:45:55,480 --> 00:45:58,640
Speaker 2: So what we do, what we do are is like

803
00:45:58,719 --> 00:46:01,680
Speaker 2: once we lease and they're in and my goal is

804
00:46:01,719 --> 00:46:04,200
Speaker 2: to get them in the house and they they love,

805
00:46:04,520 --> 00:46:07,080
Speaker 2: they like where they live, it's home to them. Then

806
00:46:07,120 --> 00:46:10,040
Speaker 2: we sit down, are you ready to be a homeowner?

807
00:46:10,200 --> 00:46:12,879
Speaker 2: And then they go through the program, give them wrap

808
00:46:12,960 --> 00:46:16,200
Speaker 2: round services. But when the wrap round services are all

809
00:46:16,200 --> 00:46:20,080
Speaker 2: that financial financial literacy bridges out to poverty, save match

810
00:46:20,120 --> 00:46:21,960
Speaker 2: and Grow where we actually help them say having the

811
00:46:22,000 --> 00:46:26,799
Speaker 2: same account, we match it really yeah, says God. It's

812
00:46:26,800 --> 00:46:29,400
Speaker 2: called save match and Grow. So if you if you're

813
00:46:29,400 --> 00:46:32,279
Speaker 2: getting this class, go through the whole class. It's part

814
00:46:32,320 --> 00:46:35,279
Speaker 2: of the D free program out East Coast. We just

815
00:46:35,280 --> 00:46:37,560
Speaker 2: call it the same match and growth would stand together

816
00:46:38,080 --> 00:46:43,200
Speaker 2: and so we have facilitators, they teach it and when

817
00:46:43,200 --> 00:46:45,920
Speaker 2: they go in we open them the same as account

818
00:46:45,920 --> 00:46:48,200
Speaker 2: with them. If they put in four hundred, they have

819
00:46:48,280 --> 00:46:52,000
Speaker 2: matched a fore under and then up to one thousand

820
00:46:52,040 --> 00:46:54,400
Speaker 2: dollars within a year. And then we were just training

821
00:46:54,400 --> 00:46:57,040
Speaker 2: them to keep setting up auto.

822
00:46:56,719 --> 00:46:59,080
Speaker 1: So if for four years, they save one thousand dollars

823
00:46:59,120 --> 00:47:00,680
Speaker 1: of their own they're going to have bake grain at

824
00:47:00,760 --> 00:47:03,000
Speaker 1: inter fewers and then they can use that at grand

825
00:47:03,000 --> 00:47:03,640
Speaker 1: for the down.

826
00:47:03,480 --> 00:47:05,719
Speaker 2: Payment well not even they can use it for that

827
00:47:05,840 --> 00:47:08,480
Speaker 2: or whatever they need to get themselves out of debt with.

828
00:47:08,640 --> 00:47:11,719
Speaker 2: But are but now with the housing, when you lead

829
00:47:11,760 --> 00:47:14,120
Speaker 2: from us and you and we say okay, eventually we

830
00:47:14,160 --> 00:47:15,600
Speaker 2: want you to know you want to be a homeowner,

831
00:47:15,600 --> 00:47:17,040
Speaker 2: when they say, yes, I want to, I want to

832
00:47:17,040 --> 00:47:20,600
Speaker 2: buy this house. So when they give me rent, I'm

833
00:47:20,640 --> 00:47:23,799
Speaker 2: taking say they give me nine, I'm going to take

834
00:47:24,040 --> 00:47:27,560
Speaker 2: ten percent of that or twenty percent of that. I'll

835
00:47:27,560 --> 00:47:30,239
Speaker 2: put it in ass grow. So I'm helping them build

836
00:47:30,320 --> 00:47:32,520
Speaker 2: up their down payments. So when they're so when they're

837
00:47:32,640 --> 00:47:33,319
Speaker 2: RADI about it.

838
00:47:33,280 --> 00:47:38,120
Speaker 1: So you're s growing a portion they help them with,

839
00:47:38,160 --> 00:47:41,719
Speaker 1: they're down the necessary and collects and so then when

840
00:47:41,760 --> 00:47:44,160
Speaker 1: they get a big enough down payment to qualify for

841
00:47:44,239 --> 00:47:48,880
Speaker 1: a loan, then their house now to own is probably

842
00:47:48,920 --> 00:47:50,960
Speaker 1: no more monthly than the rent.

843
00:47:51,120 --> 00:47:51,800
Speaker 3: That's the goal.

844
00:47:52,360 --> 00:47:54,920
Speaker 2: The goal is to make sure that if if when

845
00:47:54,920 --> 00:48:00,880
Speaker 2: they become homeowners, they're they're their mortgage should either be

846
00:48:01,000 --> 00:48:04,680
Speaker 2: lower or at the same not higher, when they buy it.

847
00:48:04,960 --> 00:48:09,000
Speaker 1: That's life changing. That's how people actually build wealth. That's

848
00:48:09,040 --> 00:48:09,720
Speaker 1: the whole guilt.

849
00:48:09,920 --> 00:48:13,000
Speaker 2: That's you're building wealth, and now you're making a community wealthy.

850
00:48:13,040 --> 00:48:16,600
Speaker 2: A community that was underserved, underprivileged, now you're building them

851
00:48:16,600 --> 00:48:19,840
Speaker 2: out of this from basically out of the Azars Phoenix

852
00:48:19,920 --> 00:48:21,840
Speaker 2: into this great vibrant neighborhood.

853
00:48:22,000 --> 00:48:24,080
Speaker 3: I know you said you're still doing it. How many?

854
00:48:24,760 --> 00:48:27,040
Speaker 3: How many of these places you got out there? So

855
00:48:27,200 --> 00:48:30,560
Speaker 3: I've man, you made me think about that.

856
00:48:30,640 --> 00:48:34,560
Speaker 2: I just I just closed on four properties marked the

857
00:48:34,760 --> 00:48:37,480
Speaker 2: four modular homes yesterday literally yesterday.

858
00:48:38,520 --> 00:48:40,080
Speaker 3: We're remodeling thirteen.

859
00:48:40,239 --> 00:48:46,120
Speaker 2: Now I just bought twelve good Grief that's in the pipeline.

860
00:48:46,200 --> 00:48:50,080
Speaker 2: After the thirteen get remodeled, the next twelve just so's,

861
00:48:50,200 --> 00:48:53,240
Speaker 2: and I have seven that's coming on the block next week.

862
00:48:54,200 --> 00:48:56,719
Speaker 3: I both of from the city with people.

863
00:48:56,400 --> 00:48:58,879
Speaker 2: Who are already living in the city, just wanted them off

864
00:48:58,920 --> 00:49:01,800
Speaker 2: their books, and they were going to they're going to

865
00:49:01,840 --> 00:49:03,680
Speaker 2: moose people out the house. I said, no, we'll just

866
00:49:03,760 --> 00:49:06,879
Speaker 2: buy it as is and continue their rent. But then

867
00:49:07,120 --> 00:49:09,439
Speaker 2: they have to come into our program. And I say, look,

868
00:49:09,440 --> 00:49:12,600
Speaker 2: you've been living here long enough under the city's program.

869
00:49:12,880 --> 00:49:14,759
Speaker 2: How do we get you to become homeowners because it's

870
00:49:14,760 --> 00:49:19,120
Speaker 2: a nice neighborhood. So that's seven. So I'm saying by

871
00:49:19,160 --> 00:49:21,400
Speaker 2: the end of this year, I'll be at fifty homes.

872
00:49:21,520 --> 00:49:28,560
Speaker 2: I presently am renting right now one, two, three, four

873
00:49:28,640 --> 00:49:33,680
Speaker 2: or five, six eight right now. And we started three

874
00:49:33,719 --> 00:49:36,080
Speaker 2: years ago out of when did COVID officially come over?

875
00:49:36,120 --> 00:49:39,560
Speaker 3: When was that? Yeah? Three three years So you're.

876
00:49:39,840 --> 00:49:42,240
Speaker 2: And it will really tim because I sold, I built

877
00:49:42,280 --> 00:49:45,760
Speaker 2: two and those are homeowners I love sand I got.

878
00:49:46,200 --> 00:49:49,279
Speaker 3: And there you got new transitioned ownership. They are a.

879
00:49:49,400 --> 00:49:52,399
Speaker 1: Home eight rented, and by the end of twenty six

880
00:49:52,480 --> 00:49:54,080
Speaker 1: you'll have fifteen.

881
00:49:53,840 --> 00:49:57,200
Speaker 2: The ready and then that will be leasing, but not

882
00:49:57,360 --> 00:49:58,560
Speaker 2: just the least their least.

883
00:49:58,320 --> 00:50:02,000
Speaker 1: Thing to get them through the literacy classes to be

884
00:50:02,040 --> 00:50:05,719
Speaker 1: homeowners as cross some of the money and transition the

885
00:50:06,000 --> 00:50:12,480
Speaker 1: ownership and then how I know it's not infinite, but

886
00:50:12,520 --> 00:50:15,200
Speaker 1: there has to be thousands of these types of properties.

887
00:50:15,400 --> 00:50:18,120
Speaker 3: Oh my god, we could change every city.

888
00:50:18,200 --> 00:50:21,920
Speaker 2: If every city did this, we would we would eliminate crime,

889
00:50:23,200 --> 00:50:25,960
Speaker 2: what we would limit it because when again you you

890
00:50:26,000 --> 00:50:29,280
Speaker 2: said it earlier, and which I could. My research tells

891
00:50:29,320 --> 00:50:35,560
Speaker 2: me it's biblical. You know, homeownership are a property owner.

892
00:50:35,600 --> 00:50:38,680
Speaker 2: When you have something that's yours, you have pride in it.

893
00:50:39,640 --> 00:50:43,080
Speaker 2: You're keeping that family in that one place. I mean,

894
00:50:43,160 --> 00:50:46,400
Speaker 2: now they have one school they go to from elementary

895
00:50:46,400 --> 00:50:49,520
Speaker 2: through high school. They graduate, they stay in school, they read, write,

896
00:50:49,960 --> 00:50:52,640
Speaker 2: not they're not getting put into special and they shouldn't

897
00:50:52,640 --> 00:50:54,799
Speaker 2: be there. I have so many kids that I grew

898
00:50:54,880 --> 00:50:56,799
Speaker 2: up with in specially it wasn't even supposed to be there.

899
00:50:57,520 --> 00:51:01,000
Speaker 2: They just assumed they were not learning right because they

900
00:51:01,040 --> 00:51:03,439
Speaker 2: were moving so much. Need is coming, So okay, you're

901
00:51:03,440 --> 00:51:05,880
Speaker 2: not at reading levels, so you know what you're especially

902
00:51:05,880 --> 00:51:06,720
Speaker 2: at needs kids.

903
00:51:06,880 --> 00:51:07,440
Speaker 3: No, he's not.

904
00:51:08,040 --> 00:51:10,600
Speaker 1: So you're saying in these neighborhoods, if you own it

905
00:51:10,719 --> 00:51:14,240
Speaker 1: and it's yours, you take care of it. And problem

906
00:51:14,280 --> 00:51:17,839
Speaker 1: goes to what. Education goes up, job opportunity.

907
00:51:17,600 --> 00:51:23,120
Speaker 2: All of that relationship, healthier homes, healthier families, all those

908
00:51:23,600 --> 00:51:25,759
Speaker 2: go because now you have your own, you're gonna take

909
00:51:25,760 --> 00:51:27,360
Speaker 2: out of your house. You know, you're gonna have a

910
00:51:27,440 --> 00:51:29,480
Speaker 2: drink here and there, but not but you're not an alcoholic

911
00:51:29,480 --> 00:51:31,480
Speaker 2: and you know you're not part of part of the

912
00:51:31,760 --> 00:51:37,040
Speaker 2: alcoholism in my neighborhood growing up, what because they didn't

913
00:51:37,040 --> 00:51:40,640
Speaker 2: have a homeless because depression and go all anxiety and

914
00:51:40,719 --> 00:51:42,160
Speaker 2: all the other things that come with it.

915
00:51:43,000 --> 00:51:43,120
Speaker 5: Uh.

916
00:51:43,280 --> 00:51:46,080
Speaker 4: I can go on and on, but maybe talk about

917
00:51:46,120 --> 00:51:47,879
Speaker 4: Steve for a minute. I know we kind of blew

918
00:51:47,920 --> 00:51:51,680
Speaker 4: past it. But like his vision, he like retires you

919
00:51:51,800 --> 00:51:54,040
Speaker 4: always got time, Like how he helps you with the

920
00:51:54,560 --> 00:51:57,400
Speaker 4: interest rate of male versus traditional banks. Like he's really

921
00:51:57,400 --> 00:52:00,280
Speaker 4: put a lot of fuel deer fires.

922
00:52:00,320 --> 00:52:00,720
Speaker 3: Steve.

923
00:52:00,880 --> 00:52:04,480
Speaker 2: I want to say his name again, slow Steve Fillmeyer

924
00:52:04,800 --> 00:52:11,080
Speaker 2: retired Coke CFO thirty plus years retires and he hasn't.

925
00:52:10,920 --> 00:52:13,799
Speaker 1: And everybody we're not talking Coca Cola, no coc and

926
00:52:13,840 --> 00:52:18,960
Speaker 1: Coke Broke Industry industries founded in Wichita by the Coke family.

927
00:52:19,320 --> 00:52:24,560
Speaker 3: Uh. And then Steve himself has been a blessing. UH.

928
00:52:24,600 --> 00:52:28,319
Speaker 2: So he's set up so I have whope CDC. We're

929
00:52:28,360 --> 00:52:33,520
Speaker 2: in partnership with Steve's LLC, which is called Whichital Affordable

930
00:52:33,560 --> 00:52:37,120
Speaker 2: Housing LLC. Or he went out and got the c

931
00:52:37,400 --> 00:52:40,840
Speaker 2: r A money, which is a Community Reinvestment Act funds

932
00:52:40,880 --> 00:52:46,239
Speaker 2: from different banks and uh, wealthy individuals where he basically

933
00:52:46,680 --> 00:52:51,160
Speaker 2: pulled private funding. He's my private banker where he can

934
00:52:51,200 --> 00:52:54,080
Speaker 2: pull all these funds in and so now he can

935
00:52:54,160 --> 00:52:56,240
Speaker 2: keep the interest rate at five percent.

936
00:52:57,120 --> 00:53:01,040
Speaker 3: Oh wow. So now I'm he's he's my he's your lender.

937
00:53:02,080 --> 00:53:04,719
Speaker 2: But at the same time we feed off each other

938
00:53:04,760 --> 00:53:11,400
Speaker 2: because now he's pumped. And literally we we're bringing the

939
00:53:11,560 --> 00:53:14,680
Speaker 2: very modular company that we went down to visit, We're

940
00:53:14,719 --> 00:53:18,800
Speaker 2: bringing that to Wichita. So now we're gonna be hiring people.

941
00:53:19,640 --> 00:53:22,320
Speaker 2: So because what we discovered is part of the costs

942
00:53:22,680 --> 00:53:24,800
Speaker 2: of driving now even though Tulsa is two and a

943
00:53:24,840 --> 00:53:27,000
Speaker 2: half hour drive in Wichita, to.

944
00:53:27,000 --> 00:53:27,520
Speaker 3: Bring a.

945
00:53:29,000 --> 00:53:33,600
Speaker 2: Modular home up as expensive five thousand minimum just to

946
00:53:33,640 --> 00:53:37,600
Speaker 2: bring it from Tulsa to transportation costs, Well, we can

947
00:53:37,600 --> 00:53:41,600
Speaker 2: bring it here, I say, here to Wichita. Well, it's

948
00:53:41,640 --> 00:53:45,880
Speaker 2: literally the transportation costs just got killed because it was

949
00:53:45,960 --> 00:53:48,120
Speaker 2: from five thousand to whatever that.

950
00:53:48,080 --> 00:53:50,400
Speaker 3: To where they going to start building bodo of homes

951
00:53:50,440 --> 00:53:51,120
Speaker 3: in which.

952
00:53:50,880 --> 00:53:55,240
Speaker 2: We we're bringing prime craftman homes that was in Tulsa

953
00:53:57,120 --> 00:53:59,719
Speaker 2: through Steve. I want of the people that know through

954
00:53:59,760 --> 00:54:03,960
Speaker 2: Steve Eve and I'm a small minority owner of it

955
00:54:05,239 --> 00:54:09,200
Speaker 2: and some other investors, we're bringing that same model to

956
00:54:09,320 --> 00:54:12,400
Speaker 2: what you're tall. We have the space, we've leased it,

957
00:54:12,520 --> 00:54:16,719
Speaker 2: we got a lease and by spring we have our

958
00:54:16,760 --> 00:54:20,879
Speaker 2: own company right across the street. Which Tall Tech, which

959
00:54:20,880 --> 00:54:24,719
Speaker 2: is which Tall Technical College. So therefore we're in partnership

960
00:54:24,760 --> 00:54:27,920
Speaker 2: with those kids who are in carpentry. So if you're

961
00:54:28,000 --> 00:54:30,640
Speaker 2: in construction, you can come work for us, we can

962
00:54:30,680 --> 00:54:34,239
Speaker 2: teach you work for us, and then we can even

963
00:54:34,280 --> 00:54:37,160
Speaker 2: help you move into any other construction company in that

964
00:54:37,280 --> 00:54:39,040
Speaker 2: area or become your own.

965
00:54:40,040 --> 00:54:42,200
Speaker 4: And what's so cool about what seeing them have done

966
00:54:42,239 --> 00:54:43,920
Speaker 4: too is so many of these things are just set

967
00:54:44,000 --> 00:54:46,439
Speaker 4: up as pure nonprofits, like, hey, let's give a bunch

968
00:54:46,480 --> 00:54:50,239
Speaker 4: of philanthropic dollars for affordable housing. Yeah, but in this

969
00:54:50,360 --> 00:54:53,200
Speaker 4: case he set it up or these investors actually get

970
00:54:53,200 --> 00:54:55,640
Speaker 4: a return. It's just a lower return from what they

971
00:54:55,640 --> 00:54:57,800
Speaker 4: would get elsewhere. But because of that, you can actually

972
00:54:57,800 --> 00:54:59,240
Speaker 4: tap into much greater capital.

973
00:55:00,200 --> 00:55:03,319
Speaker 1: That's what I was going Yeah, that's what I was

974
00:55:03,400 --> 00:55:07,440
Speaker 1: going to to go to next, which Alex segued. But

975
00:55:07,480 --> 00:55:11,239
Speaker 1: it's what I find interesting about it is is that

976
00:55:12,840 --> 00:55:17,000
Speaker 1: this is a sustaining model because investors in it are

977
00:55:17,000 --> 00:55:18,320
Speaker 1: not just giving away their money.

978
00:55:18,600 --> 00:55:20,319
Speaker 3: Yeah, they're getting some return, but.

979
00:55:22,000 --> 00:55:25,160
Speaker 1: Because it does good for the community and it's philanthropic,

980
00:55:25,239 --> 00:55:28,920
Speaker 1: they're happy to take a lower return than they could elsewhere.

981
00:55:28,440 --> 00:55:30,920
Speaker 2: Which is which is I love it it's it's uh,

982
00:55:31,080 --> 00:55:32,360
Speaker 2: it's impact investing.

983
00:55:33,160 --> 00:55:35,520
Speaker 3: Impact investing. Yeah, you're making an impact.

984
00:55:35,600 --> 00:55:38,200
Speaker 2: You're you're not getting a tempescent of return, but you're

985
00:55:38,200 --> 00:55:40,319
Speaker 2: getting you're getting half of that. But you're making an

986
00:55:40,400 --> 00:55:43,280
Speaker 2: impact on your own community.

987
00:55:43,480 --> 00:55:49,359
Speaker 3: You're making an impact. Immediately, we'll be right back.

988
00:56:00,320 --> 00:56:05,280
Speaker 1: So to ball it up, you've got a finance company

989
00:56:05,320 --> 00:56:09,240
Speaker 1: really who the investor of the finance company are higher

990
00:56:09,280 --> 00:56:13,359
Speaker 1: net worth individuals from the community in banks who are

991
00:56:13,400 --> 00:56:16,400
Speaker 1: getting a return on their money, but they're foregoing a

992
00:56:16,440 --> 00:56:18,880
Speaker 1: greater return of their money because it's good for their

993
00:56:18,880 --> 00:56:19,319
Speaker 1: community and.

994
00:56:19,280 --> 00:56:20,760
Speaker 3: Their philanthropic thoughts.

995
00:56:21,320 --> 00:56:24,560
Speaker 1: And then, because they're getting a lower return of the money,

996
00:56:24,880 --> 00:56:31,360
Speaker 1: that investment company can now loan the development company at

997
00:56:31,640 --> 00:56:36,959
Speaker 1: lower than prime rate money to go buy properties or

998
00:56:37,200 --> 00:56:41,279
Speaker 1: buy empty laws. Yes, you got it. And then to

999
00:56:41,400 --> 00:56:44,720
Speaker 1: keep the cost down. Instead of doing stick and brick build,

1000
00:56:45,239 --> 00:56:48,560
Speaker 1: you're now bringing the modular home idea to set on

1001
00:56:48,600 --> 00:56:51,399
Speaker 1: it to keep the cost down, so the interest is low,

1002
00:56:51,480 --> 00:56:53,000
Speaker 1: the cost of the housing is low.

1003
00:56:53,640 --> 00:56:58,080
Speaker 3: And then you're getting people from a traditionally.

1004
00:56:58,920 --> 00:57:02,120
Speaker 1: Mobile community because of rents and everything, and you're putting

1005
00:57:02,120 --> 00:57:06,240
Speaker 1: them in new homes or rehabed homes. And then teaching

1006
00:57:06,320 --> 00:57:10,279
Speaker 1: them all to be in home ownership. You can transition them.

1007
00:57:11,840 --> 00:57:12,959
Speaker 1: That's it, that's it.

1008
00:57:13,600 --> 00:57:18,600
Speaker 3: You get it. But that's phenomenal because you're a pastor. Yeah, dude,

1009
00:57:18,800 --> 00:57:22,760
Speaker 3: that's what that's what industry is. Yeah, but which goes

1010
00:57:22,800 --> 00:57:26,280
Speaker 3: beyond just a pool pit. That's fantastic.

1011
00:57:27,160 --> 00:57:29,320
Speaker 1: That's and you really think by the end this year

1012
00:57:29,320 --> 00:57:30,600
Speaker 1: you'll have fifty of these properties?

1013
00:57:30,680 --> 00:57:33,800
Speaker 2: Oh no, no, I will, all right, I will. They're

1014
00:57:33,800 --> 00:57:38,800
Speaker 2: on paper three years, three years, five hundred, Holy moly.

1015
00:57:38,920 --> 00:57:41,920
Speaker 1: And of that five hundred, have you guys talked about

1016
00:57:41,920 --> 00:57:46,000
Speaker 1: what percentage annually you want to transition from least to release.

1017
00:57:46,160 --> 00:57:49,640
Speaker 2: It's it's gonna be a mix. You're gonna, you know,

1018
00:57:50,720 --> 00:57:53,080
Speaker 2: like thirty, thirty, twenty. Some of those are going to

1019
00:57:53,160 --> 00:57:55,440
Speaker 2: always be least because we're sure.

1020
00:57:55,240 --> 00:57:55,640
Speaker 3: I get it.

1021
00:57:55,680 --> 00:57:58,640
Speaker 1: But you're saying, let's say it is thirty percent that

1022
00:57:58,720 --> 00:58:01,160
Speaker 1: goes from I love your turn. We're gonna, we're gonna,

1023
00:58:01,200 --> 00:58:04,040
Speaker 1: they're gonna be they're gonna, we're gonna go from lease

1024
00:58:04,160 --> 00:58:06,880
Speaker 1: to release. In other words, least to release them from

1025
00:58:06,960 --> 00:58:11,080
Speaker 1: the least. But if you're talking thirty percent and you're

1026
00:58:11,120 --> 00:58:14,520
Speaker 1: talking five hundred homes, you're talking you're creating somewhere around

1027
00:58:14,520 --> 00:58:17,080
Speaker 1: one hundred, one hundred and fifty new homeowners.

1028
00:58:16,520 --> 00:58:18,280
Speaker 3: In that neighborhood neighborhood every year.

1029
00:58:18,400 --> 00:58:21,560
Speaker 2: That's that's the goal. That's the that's the goal, vision

1030
00:58:21,640 --> 00:58:22,640
Speaker 2: and mission.

1031
00:58:23,080 --> 00:58:26,320
Speaker 1: That is community as life changing and development. That is

1032
00:58:26,360 --> 00:58:29,800
Speaker 1: life changing on the micro micro level for the family.

1033
00:58:29,880 --> 00:58:33,680
Speaker 1: But on the macro level, yes, that is revitalizing an

1034
00:58:33,840 --> 00:58:34,520
Speaker 1: entire area.

1035
00:58:34,720 --> 00:58:38,959
Speaker 2: Yeah, and well here's there. All that's correct. But here's

1036
00:58:39,000 --> 00:58:42,520
Speaker 2: the other piece that is that's gonna bless this project

1037
00:58:42,800 --> 00:58:47,120
Speaker 2: is Steve and I, along with our consultants and lawyers,

1038
00:58:47,280 --> 00:58:49,160
Speaker 2: is going to our own state and go look, as

1039
00:58:49,160 --> 00:58:52,720
Speaker 2: a nonprofit, why are you Why am I not uh

1040
00:58:53,280 --> 00:58:58,560
Speaker 2: sales tact exempt like Habitat or Mennonite Because we're so new,

1041
00:58:58,600 --> 00:59:01,320
Speaker 2: they like am I Like, no, we can't do. But

1042
00:59:01,440 --> 00:59:04,160
Speaker 2: if I can get tax exempt and we're in legislation

1043
00:59:04,560 --> 00:59:07,040
Speaker 2: or the cost even more. It lowers the costs even

1044
00:59:07,080 --> 00:59:09,880
Speaker 2: more because now I don't have to pay the sales tax,

1045
00:59:10,000 --> 00:59:14,480
Speaker 2: own the homes and even the property tax. As long

1046
00:59:14,520 --> 00:59:17,400
Speaker 2: as we own them as a nonprofit, we don't have

1047
00:59:17,440 --> 00:59:20,640
Speaker 2: to worry about property tax. But once they become home owners,

1048
00:59:20,680 --> 00:59:22,920
Speaker 2: we put this house back on the tax roll. So

1049
00:59:23,040 --> 00:59:24,760
Speaker 2: now we have for the city.

1050
00:59:24,800 --> 00:59:27,160
Speaker 1: It's good for the because right now they ain't get

1051
00:59:27,240 --> 00:59:31,160
Speaker 1: nothing things. In fact, it's it's worse than nothing because

1052
00:59:31,160 --> 00:59:32,960
Speaker 1: they got to pay to keep the deck things, they

1053
00:59:32,960 --> 00:59:34,640
Speaker 1: got to pay to cut the grass, they got to

1054
00:59:34,680 --> 00:59:36,000
Speaker 1: pay to put.

1055
00:59:35,520 --> 00:59:36,840
Speaker 3: Or go to home ownership.

1056
00:59:36,880 --> 00:59:39,120
Speaker 1: They get put back on the tax rolls, which helps

1057
00:59:39,160 --> 00:59:39,800
Speaker 1: the tax.

1058
00:59:39,640 --> 00:59:42,080
Speaker 3: Base for the in that community.

1059
00:59:42,120 --> 00:59:46,200
Speaker 1: They can fix the community, the roads, the city, the

1060
00:59:46,200 --> 00:59:46,680
Speaker 1: whole thing.

1061
00:59:48,120 --> 00:59:50,240
Speaker 3: You you got it, You're you're there.

1062
00:59:50,600 --> 00:59:52,840
Speaker 4: One other thing on the housing, uh front. You could

1063
00:59:52,840 --> 00:59:55,720
Speaker 4: probably talk about this Kevis is. I saw ste you

1064
00:59:55,800 --> 00:59:59,000
Speaker 4: say in an article that we need many more kevisist

1065
00:59:59,600 --> 01:00:02,080
Speaker 4: like a big limiting factor right now as so many

1066
01:00:02,120 --> 01:00:05,520
Speaker 4: developers want to and obviously I see this in Oxford too,

1067
01:00:05,560 --> 01:00:07,600
Speaker 4: right like try to buy you know, just build these

1068
01:00:07,680 --> 01:00:10,240
Speaker 4: luxury homes. Yeah, that's the greatest profit margin for my

1069
01:00:10,280 --> 01:00:11,960
Speaker 4: personal life. And he's like, I even get it, like

1070
01:00:11,960 --> 01:00:14,200
Speaker 4: it's in their self interest for trying to take care

1071
01:00:14,240 --> 01:00:17,320
Speaker 4: of our family. But there's nobody really looking out for

1072
01:00:17,480 --> 01:00:18,320
Speaker 4: this type of person.

1073
01:00:19,400 --> 01:00:22,920
Speaker 3: We so so let me stay. We thank you, Alex.

1074
01:00:23,000 --> 01:00:27,480
Speaker 2: So as Steve builds his witch to affordable house in LLC,

1075
01:00:28,480 --> 01:00:31,600
Speaker 2: it's not he's not building or raising this fund just

1076
01:00:31,680 --> 01:00:31,880
Speaker 2: for me.

1077
01:00:32,760 --> 01:00:36,160
Speaker 3: Oh, it's not just for Hole. He's working with Habitat.

1078
01:00:37,160 --> 01:00:40,840
Speaker 2: I'm now bringing other UH even if they're LLC because

1079
01:00:40,840 --> 01:00:42,240
Speaker 2: he was working just with nonprofits.

1080
01:00:42,240 --> 01:00:45,880
Speaker 3: But if we can even work with some small UH.

1081
01:00:47,160 --> 01:00:49,960
Speaker 2: Landlords who are just trying to take some property as

1082
01:00:50,000 --> 01:00:53,080
Speaker 2: long as they're doing it to be affordable, well he'll

1083
01:00:53,080 --> 01:00:57,080
Speaker 2: work with him. But he has a little UH system

1084
01:00:57,080 --> 01:00:58,400
Speaker 2: that he works and to make sure they're not in

1085
01:00:58,520 --> 01:01:01,840
Speaker 2: this thing trying to you know, just make money, make money.

1086
01:01:02,320 --> 01:01:07,280
Speaker 2: But if they can so he So Steve's team is yes,

1087
01:01:07,600 --> 01:01:09,919
Speaker 2: I'm I'm one of their I'm probably one of their

1088
01:01:10,080 --> 01:01:16,680
Speaker 2: largest UH consumers as a nonprofit. But Habitat has borrowed

1089
01:01:17,080 --> 01:01:21,760
Speaker 2: from them Rock the Block. They didn't with Neighborhood that

1090
01:01:21,760 --> 01:01:24,320
Speaker 2: that's also a six steven, two and four. Part of

1091
01:01:24,360 --> 01:01:30,439
Speaker 2: that Rock the Block was funded by Steve's fun minne

1092
01:01:30,480 --> 01:01:34,240
Speaker 2: Nite hasn't done anything with Steve, but that's the goal.

1093
01:01:34,320 --> 01:01:38,600
Speaker 2: And then so you know, we have this on Wichita

1094
01:01:38,600 --> 01:01:42,280
Speaker 2: State University. It's called Sparrow. Is how do I even

1095
01:01:42,360 --> 01:01:45,400
Speaker 2: mentor more people create more of me?

1096
01:01:46,120 --> 01:01:47,560
Speaker 3: I don't. I don't want to be the only game

1097
01:01:47,600 --> 01:01:49,120
Speaker 3: in time. I want to I want to be.

1098
01:01:49,840 --> 01:01:54,000
Speaker 2: Where I'm I'm done such a good job that I

1099
01:01:54,120 --> 01:01:56,840
Speaker 2: work myself out of the out of you know, a

1100
01:01:56,880 --> 01:02:00,280
Speaker 2: nonprofit that we we solve the problem. Uh, but I

1101
01:02:00,280 --> 01:02:03,840
Speaker 2: believe we're going to always have this issue, so we

1102
01:02:03,880 --> 01:02:04,760
Speaker 2: can how.

1103
01:02:04,680 --> 01:02:06,320
Speaker 3: Will do you know there's some of these families.

1104
01:02:06,880 --> 01:02:12,160
Speaker 1: Oh, man, tell me a story of a family who

1105
01:02:12,240 --> 01:02:15,880
Speaker 1: you know that just through this their life is right

1106
01:02:15,920 --> 01:02:17,760
Speaker 1: now improving and being enriched.

1107
01:02:18,760 --> 01:02:20,480
Speaker 2: I don't know we can say name because I didn't ask,

1108
01:02:21,400 --> 01:02:25,160
Speaker 2: but one of my favorite stories is he's a as

1109
01:02:25,200 --> 01:02:32,880
Speaker 2: a single parent father, African American brother raising his two kids.

1110
01:02:32,920 --> 01:02:36,280
Speaker 2: He and his he and his she was got in

1111
01:02:36,280 --> 01:02:39,000
Speaker 2: some trouble. Both of them were in drugs bad. I

1112
01:02:39,040 --> 01:02:46,080
Speaker 2: mean bad bad. They were homeless bad. But through one

1113
01:02:46,280 --> 01:02:51,720
Speaker 2: another nonprofit that I collaborate with, any nonprofit from a

1114
01:02:52,000 --> 01:02:56,560
Speaker 2: family promise to these are different that they do more

1115
01:02:56,560 --> 01:03:00,960
Speaker 2: wrap around services with people who are transitional housing. Uh

1116
01:03:01,000 --> 01:03:03,240
Speaker 2: and uh the so family probably had this for the

1117
01:03:03,280 --> 01:03:11,640
Speaker 2: young man two kids, they work with him looking for

1118
01:03:11,680 --> 01:03:14,280
Speaker 2: a housing. I'm trying to not get emotional. That's why

1119
01:03:14,280 --> 01:03:16,040
Speaker 2: I'm looking away right now. Look at people.

1120
01:03:16,040 --> 01:03:16,640
Speaker 3: I starting crying.

1121
01:03:16,720 --> 01:03:18,920
Speaker 1: I'm a cry or Someth'm trying not to because I

1122
01:03:18,960 --> 01:03:21,200
Speaker 1: get an emotion, you should cry.

1123
01:03:21,960 --> 01:03:23,800
Speaker 3: No, I did. I did enough of that my last

1124
01:03:23,840 --> 01:03:25,240
Speaker 3: on videos trying to cry.

1125
01:03:25,320 --> 01:03:31,200
Speaker 2: Then, But to to see this person who's trying to

1126
01:03:31,280 --> 01:03:34,560
Speaker 2: change his life, he will, I mean, he wanted to change.

1127
01:03:34,640 --> 01:03:38,280
Speaker 2: He's like, I'm through with drugs. I'm sick of him

1128
01:03:38,600 --> 01:03:44,240
Speaker 2: and for him the we need a cut from one minute.

1129
01:03:44,240 --> 01:03:45,680
Speaker 2: I don't feel like tears coming.

1130
01:03:47,040 --> 01:03:47,560
Speaker 3: I just.

1131
01:03:49,760 --> 01:03:59,040
Speaker 5: I see it, it's his face. But to give him

1132
01:03:59,520 --> 01:04:05,480
Speaker 5: keys and that was that was a That was a great,

1133
01:04:05,680 --> 01:04:07,760
Speaker 5: great great And can we cut?

1134
01:04:09,280 --> 01:04:10,600
Speaker 3: I need people.

1135
01:04:11,480 --> 01:04:13,280
Speaker 4: I can get your issues if you want. If you

1136
01:04:13,280 --> 01:04:15,880
Speaker 4: will cry all the time on the podcast, you're not.

1137
01:04:15,960 --> 01:04:21,160
Speaker 3: The first guest mid thirties, I want to say. And

1138
01:04:21,160 --> 01:04:22,360
Speaker 3: so he's a single.

1139
01:04:22,080 --> 01:04:27,080
Speaker 1: Father, So we get drugs, gone through transitions, homeless, to

1140
01:04:27,360 --> 01:04:28,840
Speaker 1: give him a key to a whome?

1141
01:04:28,960 --> 01:04:29,200
Speaker 3: Huh?

1142
01:04:29,520 --> 01:04:34,600
Speaker 2: Two bedroom you know? No, three bedroom, one bath's the house?

1143
01:04:34,600 --> 01:04:35,360
Speaker 2: Did I remodel?

1144
01:04:35,480 --> 01:04:35,680
Speaker 3: Now?

1145
01:04:35,720 --> 01:04:38,640
Speaker 2: This was I told Steve. I said, Steve, I'm gonna

1146
01:04:38,640 --> 01:04:40,320
Speaker 2: take a hit on this. He said, we're talking about

1147
01:04:40,320 --> 01:04:42,520
Speaker 2: I said, Steve, we bought, we bought, so we buy

1148
01:04:42,560 --> 01:04:45,600
Speaker 2: houses off. Thank you for asking. Also buy a house

1149
01:04:45,640 --> 01:04:47,680
Speaker 2: it's off auction. So I'll go to if I see

1150
01:04:47,680 --> 01:04:50,120
Speaker 2: a house I like. I've done two of those where

1151
01:04:50,160 --> 01:04:53,240
Speaker 2: I buy a house to for sixty thousand and I

1152
01:04:53,360 --> 01:04:56,520
Speaker 2: put forty thousand in it, so it's it's one hundred thousand,

1153
01:04:56,800 --> 01:04:58,200
Speaker 2: but it praises that one.

1154
01:04:59,640 --> 01:05:02,960
Speaker 3: So is it good? You're just good. But now I

1155
01:05:02,960 --> 01:05:03,640
Speaker 3: got this one.

1156
01:05:03,800 --> 01:05:06,760
Speaker 2: You know there's no and I know how this is

1157
01:05:06,760 --> 01:05:09,920
Speaker 2: how much rent we need to be able to, you know,

1158
01:05:10,000 --> 01:05:12,760
Speaker 2: take care of your property manager, you're insurance, all the

1159
01:05:12,800 --> 01:05:15,960
Speaker 2: stuff that comes with it. And so when I had

1160
01:05:16,000 --> 01:05:17,960
Speaker 2: it up, I had it up for as a three bedroom.

1161
01:05:18,440 --> 01:05:19,160
Speaker 3: I was least.

1162
01:05:19,280 --> 01:05:22,360
Speaker 2: I had it on the on the on the listing,

1163
01:05:22,600 --> 01:05:24,600
Speaker 2: I'm following that zip codes. The zip code says for

1164
01:05:24,680 --> 01:05:26,840
Speaker 2: six seven two one four for a three bedroom, you

1165
01:05:26,880 --> 01:05:31,600
Speaker 2: can do twelve hundred. Well they had been this. It

1166
01:05:31,640 --> 01:05:34,200
Speaker 2: was an to me. It was like this man comes, okay,

1167
01:05:34,280 --> 01:05:37,400
Speaker 2: I can do that. Well he was using his voucher.

1168
01:05:37,400 --> 01:05:42,800
Speaker 2: They said, well, you're you don't make enough and although

1169
01:05:42,840 --> 01:05:45,480
Speaker 2: you it's a three bedroom, you can't have it unless

1170
01:05:45,480 --> 01:05:48,320
Speaker 2: he unless he are not profit me.

1171
01:05:48,440 --> 01:05:50,760
Speaker 3: Says it's a two bedroom and you have to rent it.

1172
01:05:51,160 --> 01:05:52,600
Speaker 3: So I took I took a hit.

1173
01:05:52,920 --> 01:05:56,760
Speaker 2: What's that from twelve hundred nine twenty Because I could

1174
01:05:56,760 --> 01:06:00,360
Speaker 2: not see this man back in the streets. So you

1175
01:06:00,400 --> 01:06:04,760
Speaker 2: know what, we're going to subsidize that. I mean, that's

1176
01:06:04,840 --> 01:06:07,000
Speaker 2: me putting an extra two hundred dollars myself, kind of

1177
01:06:07,000 --> 01:06:09,120
Speaker 2: like my tithe. I put a tithe in the church.

1178
01:06:09,800 --> 01:06:12,800
Speaker 2: Now I'm tithing the hope just to cover his subsidy

1179
01:06:13,800 --> 01:06:16,360
Speaker 2: so I can so the board can feel comfortable with that.

1180
01:06:16,400 --> 01:06:20,120
Speaker 2: We're still getting enough. If I was wealthyre I do more,

1181
01:06:20,160 --> 01:06:21,520
Speaker 2: but I would need to.

1182
01:06:22,320 --> 01:06:24,680
Speaker 3: Do You think he uh do you think will eventually

1183
01:06:24,720 --> 01:06:25,520
Speaker 3: own that home? Yes?

1184
01:06:25,640 --> 01:06:28,280
Speaker 2: Ah, yeah, that's the beauty. He's I got pictures. I'll

1185
01:06:28,280 --> 01:06:31,040
Speaker 2: show it to you. He will own that house one day.

1186
01:06:31,840 --> 01:06:35,280
Speaker 2: And he was homeless. He was homeless, and forget him.

1187
01:06:35,960 --> 01:06:39,240
Speaker 2: But he was homeless with his kids. Well that's why

1188
01:06:39,240 --> 01:06:40,960
Speaker 2: I was about to say, forget him for a second.

1189
01:06:41,120 --> 01:06:41,520
Speaker 3: His kids.

1190
01:06:41,600 --> 01:06:47,080
Speaker 1: What hasn't done for all to break the proverbial cyclical problem.

1191
01:06:47,520 --> 01:06:49,560
Speaker 1: Now these two kids.

1192
01:06:49,160 --> 01:06:51,120
Speaker 2: Have a home, and these are like eleven twelve year old.

1193
01:06:51,120 --> 01:06:54,280
Speaker 2: They're running around there. You know, they're running around the house.

1194
01:06:54,480 --> 01:06:57,200
Speaker 2: This is our house. It was to you hear them say,

1195
01:06:57,280 --> 01:06:59,440
Speaker 2: is this our house? This is our like, yeah, this

1196
01:06:59,480 --> 01:07:03,560
Speaker 2: is your house. And I gave the kid's dead and uh,

1197
01:07:04,400 --> 01:07:06,400
Speaker 2: go back in there and see it. I mean he

1198
01:07:06,440 --> 01:07:11,480
Speaker 2: has the bedroom looks like that, this is this is

1199
01:07:11,520 --> 01:07:14,680
Speaker 2: my bedroom. This is my bedroom. And then he has

1200
01:07:14,680 --> 01:07:16,720
Speaker 2: his bedrooms because this is three bedrooms. They all have

1201
01:07:16,800 --> 01:07:19,280
Speaker 2: their own room. They need to sleep in the same car.

1202
01:07:20,600 --> 01:07:24,520
Speaker 2: Now they got their own bedroom. Oh god, that's the

1203
01:07:24,680 --> 01:07:33,080
Speaker 2: change from from car hould it up together to your

1204
01:07:33,160 --> 01:07:34,000
Speaker 2: own bedroom.

1205
01:07:35,080 --> 01:07:35,440
Speaker 3: Now.

1206
01:07:35,800 --> 01:07:37,080
Speaker 2: Now we had to do some we had to do

1207
01:07:37,160 --> 01:07:42,160
Speaker 2: some home ownership training because of the young girl no names,

1208
01:07:42,200 --> 01:07:44,440
Speaker 2: but she was She didn't.

1209
01:07:44,200 --> 01:07:45,520
Speaker 3: Want to eat her piece. This is there.

1210
01:07:45,520 --> 01:07:47,360
Speaker 2: They wasn't even the house. It wasn't even the house.

1211
01:07:47,400 --> 01:07:49,760
Speaker 2: A week, No, don't say two weeks. I get him

1212
01:07:49,760 --> 01:07:51,960
Speaker 2: two weeks. But she didn't want to eat her piece,

1213
01:07:52,040 --> 01:07:54,360
Speaker 2: so she put him in a Dylan's or Kroger bag

1214
01:07:54,680 --> 01:07:56,440
Speaker 2: and she called herself getting rid of it.

1215
01:07:56,520 --> 01:08:01,840
Speaker 3: So she flushed it. She told him herself. Because so he.

1216
01:08:01,720 --> 01:08:03,880
Speaker 2: Calls and goes, man, we got a backup. I'm on

1217
01:08:04,080 --> 01:08:06,760
Speaker 2: a backup. That's a brand new sore. I mean literally,

1218
01:08:06,800 --> 01:08:09,040
Speaker 2: it's a brand new swre. So we had to tell.

1219
01:08:08,920 --> 01:08:11,400
Speaker 1: Her you don't but that's really part of it. And

1220
01:08:11,440 --> 01:08:14,240
Speaker 1: I know that seems so stupid. Nothing in the first either,

1221
01:08:14,320 --> 01:08:16,240
Speaker 1: But if you've never lived in a home and owned

1222
01:08:16,240 --> 01:08:17,880
Speaker 1: a home, you don't know how to take care of

1223
01:08:17,880 --> 01:08:18,280
Speaker 1: them home.

1224
01:08:18,320 --> 01:08:20,559
Speaker 3: Right, So we are all part of it. So we

1225
01:08:20,600 --> 01:08:21,439
Speaker 3: sat that part of it.

1226
01:08:21,600 --> 01:08:24,120
Speaker 2: So we had to sit down with family promises, like like,

1227
01:08:24,200 --> 01:08:26,120
Speaker 2: here's here's what you put in the trash.

1228
01:08:26,280 --> 01:08:27,560
Speaker 3: We even said, this is what you can put in

1229
01:08:27,600 --> 01:08:31,559
Speaker 3: the garbage disposal. That's where you put peace. Listen, if

1230
01:08:31,560 --> 01:08:33,280
Speaker 3: you've never had a home, it been taught. How the

1231
01:08:33,280 --> 01:08:35,240
Speaker 3: hell you're gonna know, I don't care if any man

1232
01:08:35,640 --> 01:08:37,920
Speaker 3: or fifty Yeah.

1233
01:08:37,560 --> 01:08:41,439
Speaker 2: And that's and she was so and I can say

1234
01:08:41,479 --> 01:08:43,160
Speaker 2: his name, but the father is like, I'm gonna really

1235
01:08:43,160 --> 01:08:45,479
Speaker 2: get her. He was trying like he was. He was

1236
01:08:45,479 --> 01:08:47,479
Speaker 2: apologizing to me, I'm so sorry she did that. I

1237
01:08:47,520 --> 01:08:50,200
Speaker 2: was like, no, no, no, leave her alone. She didn't know.

1238
01:08:50,960 --> 01:08:52,680
Speaker 2: She just tried. She just didn't want to eat these

1239
01:08:52,680 --> 01:08:55,360
Speaker 2: peas you were making her eat. She was just trying

1240
01:08:55,360 --> 01:08:59,320
Speaker 2: to get rid of it. And so to see that.

1241
01:08:59,360 --> 01:09:03,360
Speaker 1: Now, and do you stop to give yourself a chance

1242
01:09:03,400 --> 01:09:07,240
Speaker 1: to think that fifty this year and in three years,

1243
01:09:07,280 --> 01:09:10,640
Speaker 1: five hundred, that the story you just told me I

1244
01:09:10,880 --> 01:09:12,440
Speaker 1: was gonna be You're gonna become commonplace.

1245
01:09:12,560 --> 01:09:16,679
Speaker 3: Yes, well that story is gonna be common.

1246
01:09:16,760 --> 01:09:20,720
Speaker 2: But also what's gonna be common is that they become homeowners.

1247
01:09:21,520 --> 01:09:27,240
Speaker 2: Uh that that those kids, well well will common It's like,

1248
01:09:27,479 --> 01:09:29,599
Speaker 2: this is this is my place, this is my house,

1249
01:09:29,640 --> 01:09:33,760
Speaker 2: it's my home. And so it's that, you know, you

1250
01:09:33,800 --> 01:09:36,200
Speaker 2: tell you a story that that's just one. I gotta think.

1251
01:09:36,200 --> 01:09:38,640
Speaker 2: I'm curious. How close is that to where your grandparents'

1252
01:09:38,680 --> 01:09:39,120
Speaker 2: house was?

1253
01:09:39,760 --> 01:09:39,920
Speaker 1: Oh?

1254
01:09:40,040 --> 01:09:42,400
Speaker 3: God, I could walk to it, No kidding.

1255
01:09:42,760 --> 01:09:46,320
Speaker 2: It is that it is like your neighbor when I

1256
01:09:46,320 --> 01:09:48,680
Speaker 2: say six seventy two on four this whatever it is,

1257
01:09:48,720 --> 01:09:51,880
Speaker 2: it code is, it's where you're sitting right now. Whatever,

1258
01:09:51,880 --> 01:09:55,560
Speaker 2: it's right there, it's in the same neighborhood. So you literally,

1259
01:09:56,800 --> 01:09:59,240
Speaker 2: I know, are doing this right where I.

1260
01:09:59,160 --> 01:10:05,080
Speaker 1: Grew up my first the first house that I built

1261
01:10:05,120 --> 01:10:05,839
Speaker 1: in Sould.

1262
01:10:06,240 --> 01:10:08,960
Speaker 2: And like I said, I can tell you. So there's

1263
01:10:09,000 --> 01:10:13,040
Speaker 2: these it's called Minnesota, Minneapolis. These are streets Piet and

1264
01:10:13,080 --> 01:10:15,720
Speaker 2: then Ash I lived and I grew up on my

1265
01:10:15,840 --> 01:10:17,160
Speaker 2: base with my grandparents.

1266
01:10:17,160 --> 01:10:18,400
Speaker 3: Fifteenth third three, No, Piet.

1267
01:10:18,520 --> 01:10:21,240
Speaker 2: You go down to that corner and one block over

1268
01:10:21,360 --> 01:10:25,280
Speaker 2: it's the first house I build and sold and it's beautiful.

1269
01:10:25,840 --> 01:10:28,080
Speaker 3: Uh, your grandparents should be so.

1270
01:10:28,160 --> 01:10:31,080
Speaker 2: Probab oh he My granddad would be just losing it.

1271
01:10:31,240 --> 01:10:33,559
Speaker 2: If I say, granddad, look at this vote, he would

1272
01:10:33,680 --> 01:10:36,680
Speaker 2: oh granded. I call him granddaddy, not my Yeah, he

1273
01:10:37,240 --> 01:10:38,160
Speaker 2: would be losing it.

1274
01:10:38,680 --> 01:10:41,719
Speaker 3: If people want to, uh, is there a website somebody

1275
01:10:41,760 --> 01:10:41,960
Speaker 3: go to?

1276
01:10:42,080 --> 01:10:48,000
Speaker 2: Oh Man, please if anyone wants, it's www dot hope.

1277
01:10:48,600 --> 01:10:50,400
Speaker 3: You like this? I love it. It's kind of long,

1278
01:10:50,479 --> 01:10:55,080
Speaker 3: but I love it. Hope Builds Community love it dot

1279
01:10:55,520 --> 01:10:56,599
Speaker 3: org dot org.

1280
01:10:56,760 --> 01:10:59,160
Speaker 1: And if somebody wants to talk to you about your

1281
01:10:59,160 --> 01:11:00,880
Speaker 1: experience because they think they wanted to, how do they

1282
01:11:00,920 --> 01:11:01,720
Speaker 1: get in touch with you?

1283
01:11:01,840 --> 01:11:06,479
Speaker 2: May ca an email me Kevis at Hope Buildscommunity dot org.

1284
01:11:06,560 --> 01:11:10,840
Speaker 3: K e v A s s at k e v.

1285
01:11:11,040 --> 01:11:15,840
Speaker 2: A s s Kevis at Hope Builds Community builds with

1286
01:11:15,880 --> 01:11:18,280
Speaker 2: a s so h O p e b U I

1287
01:11:18,479 --> 01:11:23,599
Speaker 2: l d s community dot org. Brother, Yeah, thanks for

1288
01:11:23,640 --> 01:11:27,439
Speaker 2: having me. I know as a reverend you're you're but

1289
01:11:27,560 --> 01:11:28,599
Speaker 2: we're brothers in Christ.

1290
01:11:29,479 --> 01:11:32,120
Speaker 1: All of us that has shared the same faith are

1291
01:11:32,120 --> 01:11:38,400
Speaker 1: called to be christ Like. And if Christ came back today,

1292
01:11:38,680 --> 01:11:42,360
Speaker 1: I don't think he'd show up at a fifteen thousand

1293
01:11:42,439 --> 01:11:45,679
Speaker 1: square foot mansion, sipping my ties by the pool.

1294
01:11:46,520 --> 01:11:46,840
Speaker 3: I think.

1295
01:11:47,000 --> 01:11:50,840
Speaker 1: I think when Christ surrounded himself with fishermen and prostitutes,

1296
01:11:51,800 --> 01:11:54,920
Speaker 1: he he he, And then we're called to be Christ

1297
01:11:55,120 --> 01:11:58,800
Speaker 1: like I think we have a responsibility and start our

1298
01:11:58,880 --> 01:12:02,880
Speaker 1: faith to immerse our ourselves with the neediest among us

1299
01:12:03,160 --> 01:12:07,880
Speaker 1: and making you, as the leader of a church, showing

1300
01:12:07,920 --> 01:12:09,280
Speaker 1: your congregation this work.

1301
01:12:09,520 --> 01:12:11,679
Speaker 3: That's the key. You hit it. It's showing.

1302
01:12:11,760 --> 01:12:14,040
Speaker 2: So I don't want to be just the preacher, and

1303
01:12:15,720 --> 01:12:23,000
Speaker 2: I love preaching. But Christ, when beyond preaching, he heals

1304
01:12:23,120 --> 01:12:24,400
Speaker 2: what you're doing in your community.

1305
01:12:24,640 --> 01:12:25,280
Speaker 3: He healed on.

1306
01:12:25,280 --> 01:12:27,760
Speaker 1: This happen literally two blocks when you grew up. What

1307
01:12:27,880 --> 01:12:33,479
Speaker 1: an amazing story. Reverend Kevis Harding, pastor and executive director

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01:12:33,600 --> 01:12:37,679
Speaker 1: of Hope Community Developed Corporation in Wichita, Kansas, has figured

1309
01:12:37,720 --> 01:12:42,799
Speaker 1: out a way. TOTE team has figured out a way

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01:12:44,479 --> 01:12:50,240
Speaker 1: to revitalize neighborhoods, rebuild families, and rebuild culture and community.

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01:12:51,040 --> 01:12:53,400
Speaker 1: And this is something that could be modeled in any

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01:12:53,479 --> 01:12:55,320
Speaker 1: city in the United States, any city.

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01:12:55,960 --> 01:12:58,240
Speaker 3: I will I'll come show you how to do it.

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01:12:58,560 --> 01:13:01,479
Speaker 3: You've got his email, you know it. Kevis, thanks so

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01:13:01,560 --> 01:13:01,800
Speaker 3: much for.

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01:13:03,840 --> 01:13:07,320
Speaker 1: This is good awesome, joined you man, coach, I call you,

1317
01:13:07,320 --> 01:13:09,280
Speaker 1: you call me coach anytime, brother coach.

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01:13:09,560 --> 01:13:10,919
Speaker 3: Thanks yeah, thank.

1319
01:13:10,720 --> 01:13:17,519
Speaker 1: You, and thank you for joining us this week. If

1320
01:13:17,640 --> 01:13:21,160
Speaker 1: Kevis Harding has inspired you in general, or better yet,

1321
01:13:21,400 --> 01:13:25,040
Speaker 1: to take action by getting involved in the neighborhood where

1322
01:13:25,080 --> 01:13:29,200
Speaker 1: you grew up, bringing affordable housing to your community, becoming

1323
01:13:29,240 --> 01:13:33,120
Speaker 1: a police officer, becoming a dynamic reverend like he is,

1324
01:13:33,320 --> 01:13:37,160
Speaker 1: or something else entirely, please let me know. I really

1325
01:13:37,280 --> 01:13:39,920
Speaker 1: genuinely do want to hear about it. You can write

1326
01:13:39,960 --> 01:13:43,720
Speaker 1: me anytime at Bill at normal folks dot us and

1327
01:13:43,800 --> 01:13:47,080
Speaker 1: I will respond. If you enjoyed this episode, share with

1328
01:13:47,160 --> 01:13:50,120
Speaker 1: friends and on social subscribe to the podcast, rate it,

1329
01:13:50,200 --> 01:13:53,439
Speaker 1: review it, join the army at normal folks dot us.

1330
01:13:54,080 --> 01:13:57,240
Speaker 1: All these things that will help us grow and army

1331
01:13:57,280 --> 01:13:58,040
Speaker 1: and normal folks.

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01:13:58,240 --> 01:14:01,840
Speaker 3: I'm Bill Courtney. Until next time, do what you can