August 16, 2022

Some of you have asked from Part 1 of this series: what is a good deal?

That is truly the essence of every investment opportunity. If you’re also asking this question — Congratulations, you are on the right track!

I seldom speak in absolutes these days and that has been the result of my conscious effort to avoid that kind of trap and thinking. After all, all the ‘good investments’ that I was brought up on failed me (if you’ve been following the articles, you know what I mean). Some of them failed me BIG TIME, including real estate — before I was financially educated to leverage real estate to create income and wealth.

Through years of getting coaching and mentoring, I’ve adapted the idea that the world mostly works on spectrums. And this has helped strengthen my mindset tremendously as an investor and a business owner. There’s a Chinese proverb that loosely translates into: “If nobody was selfish, the world would end.” I remember thinking: Wow, this is such a horrible saying! As I grew up and life experiences built up, I simply realized that it’s actual a beautiful and insightful piece of timeless wisdom.

You see, like almost everything else in life, what’s a good situation might be a bad one for others. Vice versa. This is why, speaking more generally, seller financing is not always a good thing for active investors when the conditions aren’t just a fit for the deal. I have seen many over the years that would put through a seller financing deal just to say that they have done one and it ended up dragging them through court because the buyer didn’t know any better.

In short, seller financing becomes available when the necessary criteria align for both the seller and the buyer.

Inthis article, I will go into the first way of the most basic form of VTB. And that is VTB as a tradition/typical mortgage.

This is likely the most common way and really, the easiest way, to facilitate a bona fide VTB.

Since it’s a mortgage, this means that all typical criteria would apply: rates, length, payment frequency, etc. What’s more important to note (in my opinion — or IMO as the kids would text these days) is the position and the total LTV (loan to value) the VTB would be on the secured collateral.

Here’s a very simple yet important concept to be clear on — Seller financing is part of a bigger umbrella term of private lending. I’m sure some of you have already sniffed that out when I mentioned in the first article to offer VTB (as much as you can) when you sell your properties.

Many people are finding private lending deals these days to ‘park’ their money because they can generate double digit returns. These are also the same people who can get hurt without knowing how to analyze the deals their money is ‘secured’ on. Funny enough, these are also the ones who have been buying properties for the sake of buying them. Let’s unpack that a little bit more here, shall we?

From the Wheel of Wealth articles, we’ve learned that equity is like the piggy bank that we cannot open (often times especially with rental properties). Through offering VTB, you can automatically open that piggy bank and, often time, turn a non-performing asset into a performing one.

This example I’m sharing with you is hot off the press and a US-based deal.

After selling a few properties in May, the proceeds went into a 1031 Exchange as I had my eyes on a specific purchase (another story for later!).

Side bar: IRS Section 1031 — What is it? Section 1031 of the IRS tax code provides that taxable gain or loss shall not be recognized when property held for productive use in a trade or business or for any investment is exchanged solely to “like-kind” property. The term, “like-kind”, refers to the similarity in the nature or character of properties being exchanges, as opposed to the grade or quality of such properties.

I found a distressed seller who wanted to get out of her ‘leftover’ portfolio in the US. She was very motivated to sell and, as a result, open to 100% seller financing. Now, given that I had some funds in the 1031 Exchange to use, 100% VTB was not necessary in this case. However, whatever the balance of the total purchase price became VTB. Here’s the overview of how it came about:

• It’s a small portfolio of 11 single family properties with a total of 15 rentable units.
• The 15 units are split between 2 cities/states— in one city, all units are performing well and not so good in the other.
• The motivation for the seller to sell is that she did not want to stress over the non-performing units anymore.
• I negotiated for all 11 properties to be one package deal as they would be performing overall and giving me the time to stabilize the performance of the non-performing properties.
• The seller agreed to an 8% interest-only VTB on the outstanding balance — this is very comparable to most lending options through institutional lenders in the current lending climate for purchasing properties in corporations or LLCs in the US.
• The VTB saved both of us a lot of time because I did not have to go through the traditional qualification process (which can easily take 2–5 months right now after speaking to various mortgage brokers and lenders) for 11 properties in 2 states.
• The seller also agreed to the repayment starting 3 months after the closing of escrow to give me some runway to start to deal with the problem properties and tenants.
• We agreed to a 2-year closed VTB and can pay out the remaining balance anytime after that.
• The seller is now headache free, got a lump sum chunk of cash and will be cashflowing from her VTB. Meanwhile, I’ll be cashflowing and the cashflow can only improve.
• Best part about this: the seller did not lose money with the purchase price as agreed on and I still have money in the buy — VTB is funny like that when you structure it well!
• I also offered to pay for all closing costs as a gesture that helped with the negotiation process and shortened the closing timeline. This often times is a great tool to use as long as it still makes business sense.

Asyou have concluded for yourself, this was a process of alignment between the seller and myself.

And before some of you go and say “you’re lucky”, I want to let you know that I spent countless hours, spoke to 30+ people (between real estate agents, wholesalers, lenders and property managers) in 8 different markets before finding this opportunity. It also didn’t become a deal automatically just because the seller is willing to offer 100% VTB. All the necessary due diligence went into making sure it’s a viable deal.

For the conveyancing process and the mortgage documents, I simply commissioned a lawyer to create them. In certain cases and places, it’s perfectly acceptable for your trusted mortgage broker to help creating the mortgage documents or at least provide a template as your baseline. Upon closing, titles will be transferred and the VTB will be registered against hard asset. Her money is protected and I do not intend to default. Why? In this case, my 1031 Exchange — aka the downpayment — accounts for 55% of the total purchase price.

We have solved each other’s problems — she wanted to sell and I needed to buy (due to the 1031 Exchange requirements)! It’s a win-win. And that is the true essence of VTB.

Some quick tips for you to prepare your VTB offer:

• Build a financing track record to show your investing experience and existing portfolio.
• Include a snapshot of your financial statement — both corporation and personal.
• Demonstrate that you have some sort of expertise and knowledge in the strategy, market and or property type that you’re asking for VTB on.
• Be clear about your initial ask on your VTB terms and the reasons why.
• Remember that it’s often cash or terms — VTB tends to fall under terms and that means you likely will not get the cheapest rates but it will buy you the time you need to get your affairs together to buy out the VTB at a later date.
• If you do not have the experience or track record yet, showcase your financial/investing education (most people overlook this) and leverage your real estate investing mentor to help you in the alignment process.

More stories and examples to come with this series. Not to mention other ways of seller financing!

Tomy dedicated readers, I thank you for your support and feedback. If this is the first time you’re reading one of my publications, I hope you’ve enjoyed it and learned a thing or two.

If you’re wanting to be a part of a community of real estate investors from around the globe, here is the T.A.L.E.N.T.ed Investors Facebook Group. It’s a place where people come together to share experiences, knowledge, successes and challenges, and money making opportunities!

For those of you who prefer watching videos, here is the YouTube channel where some of my work (very raw) has been shared.

If you prefer the live interaction and delivery to help you build some foundation, our next live in-person real estate investing Bootcamp is on September 24 and 25 in Toronto. Go ahead and speak to a Strategy Coach on how you can attend.

Lastly, I just want to say thank you for your continuing support. I aim to be authentic and adding value to your life.

It’s ultimately about LIFE and I appreciate you coming on this journey with me!

(Written at home in Edmonton, AB)

August 23, 2022

I’ve been so excited about writing this article that the excitement woke me up at 4am this morning.

Many of you have learned through reading my articles over the last few months that my ‘baby strategy’ is called Lease Options (aka ‘rent to own’ as its more commonly marketed term). There are reasons why I keep stressing with all my students from Day 1 that:

1. Lease Options is a form of creative/seller financing
2. You can tell who’s truly educated in Lease Options and who’s not by the way they see and use this strategy (should really be part of the “How to Spot a Professional vs Amateur” series)
3. Options, when used properly, is an amazing way to structure all-win deals (bold statement, I know — that’s how much I believe in it)

Lease Options, by definition, has 2 components: the lease and the option to purchase/renew, etc. When it comes to seller financing, they do tend to go together. So, it’s really called “lease with the option to purchase”.

Options — for anyone that has already gone through a real estate transaction of any kind would know — already exist in nearly every contract paperwork. Most people just know them as conditions, clauses or subjects.

For example, a typical list of conditions in an Offer to Purchase Agreement by the Buyer would include financing and inspection as the bare minimum. If we were to take a closer look at what this means:

• A financing condition is usually used when the Buyer needs to leverage a mortgage to complete the purchase. What the Buyer is really saying to the Seller on a higher level is that “I don’t want to buy this property if I cannot borrow the money I need to borrow”. This can also be interpreted as “I have the option to walk away if I don’t like the lending terms even if I’m approved for financing.” Of course, some Buyers will specify rates and terms of the approved financing as a second layer of protection. Some will go as far as listing out the funding date and other conditions of their own during this time.
• An inspection condition is easy. This is when the Buyer can simply say to the Seller that “if I don’t like anything I see in the inspection report, I have the option to renegotiate the Offer to Purchase and/or walk away from the accepted Offer.”

For some, if you’ve done a mortgage renewal in the past, it’s actually because that you have signed a mutual option to renew in your original mortgage documents (remember the day you felt like you were signing your life away?!).

With that said, given that the focus is seller financing, we will focus simply on the concept of ‘option to buy’. This means that — in a “lease with the option purchase” situation — the tenant (or leasee — a technical term by default due to signing a lease) has the option but not the obligation to exercise their right to purchase on or before the contract end date. In other words, the tenant/leasee has the first right of refusal to purchase the property.

Iwant to look at it from 2 different perspectives in the next couple of articles here with you — as a Buyer using Lease Options and as a Seller using Lease Options. Today, we’ll look at the former.

Before going any further, here are a few bullet points to keep in mind:

• A Buyer in this arrangement can also be called a Tenant Buyer, Leasee or Optionee (someone who’s granted the Option)
• A Seller in this arrangement can also be called a Leasor or Optionor (someone who’s granting the Option)
• The Optionee has the right but not the obligation to exercise their Option

As a Buyer

I have done countless VTB deals over the years as mentioned since Part 1 of this series due to the lack of personal resources at the beginning of my career and wanting to scale quickly. Leveraging Lease Options is definitely my favourite due to “having the right but not the obligation to buy”. We will look at how it’s different from Agreement for Sale later.

Purchasing 2 Mobile Home Parks in Texas via Rolling Options

I’m going to start by clarifying one thing quickly: many have challenged me that it should be Lease Option and not Lease Options. That challenge often comes from the lack of education and the lack of experience. One might even say that it comes from the lack of empathy and detachment from reality. Whoa! That got dark in a hurry. No fret — the simple point here really is that, regardless of which side you’re on, you always want multiple options to exit for the simple fact that not everything in life goes as planned. In a business transaction, it shows maturity, understanding and vision when you can plan ahead on how to leverage options to conduct transactions.

Now, picture this — it was June 2013. I was only 3.5 years into my ‘professional investing’ career. Wanting to branch out into the US and having learned about mobile home parks as an investment strategy and property type, I could not pass up the deal presented to me. Only, it wasn’t quite a deal I was ready for yet because I didn’t have the resources to jump on the deal, even with another partner. However, the whole point of creative financing is to let money be the least limiting factor as a professional investor. So, I was forced to get creative again — even if it’s not in the same country.

Side bar: there’s real estate buying and there’s investing in real estate. I’ve come to learn that investing is a broad spectrum word and, to a large degree, misused by mass media and even some in the real estate investing community. True investors are trained on the very foundation of how money works. Therefore, their knowledge and skills are universally applicable and know no borders.

With this one — 2 separately titled mobile home parks owned by the same seller — I came up with (what I later learned) is what people call a rolling option. This allowed me to purchase both parks totalling 144 units over an extended period of time while being a leasee with the owner. Without getting into too many details (how much time do you have to read today?! lol), I’m going to list out some of the background story, how the thought process and deal got structured:

• The owner was a 2nd generation landlord that initially inherited the property from his family estate and thought he would enjoy the cashflow from it with them being debt-free and all.
• The owner had very little to no experience managing the parks and the performance slowly got worse. (He was an accountant and had only done the “buy rent and pray” before.) During the due diligence period, I found out that he was attempting to save money by cutting necessary expenses to maintain the property. This was his accounting brains talking, not the investor’s mindset. I continue to stress the importance of understanding and operating from “it’s not how much it’ll cost me but how much it’ll make it”.
• When the leases ended, the tenants started leaving. As tenants left, he was putting new tenants in without a proper screening process (from lack of landlording experience) and without improving the physical properties. This created a very mixed tenant base with frequent internal conflicts.
• Taking his wife’s advice, he finally decided to sell to ‘cash out’. When he started to let the word out, the word travelled across the border through my network to me. Again, your network is your net worth!
• When we first met (on the phone), he had no idea what seller financing is or how it works. I learned that all he really wants is a certain level of cashflow per month from the parks originally. Now he wants cashflow (or just a pot of cash from selling) and not have to deal with the management and upkeep of these properties.
• Taking his small and common wish list into consideration while aligning with our business goals, I was able to have him agree to sell the parks in 3 phases over the course of 15 months that ended up taking nearly 20 months to complete.
• Phase 1: I would lease non-performing 38 units first with and overarching option to purchase the entire 144 units. While I’m in the process of ‘turning things around’ with these 38 units, he’s able to continue to make a small and shrinking income from the other 106 units.
• Phase 2: Once I have reached a certain level of performance with the 38 units, I’m able to lease out the next 70 units. Repeat the same process to raise performance.
• Phase 3: The last 36 units became the easiest because I wanted to have commercial leases for those. By commercial leases, I don’t mean having commercial tenants running businesses in there. Rather, due to its unique location in Texas (outside the Dallas-Fort Worth area), oil was booming in 2014 at this time and many companies were putting their workers and contractors nearby. In the end, I was able to lease out 36 units with 1 lease. That’s just 1 tenant and 1 rent collection to deal with!
• Keep in mind, I’m not personally managing all tenants, there’s always been a property management company that I work closely with.
• As soon as the corporate lease was signed, I exercised my option to purchase all 144 units at the predetermined price. Because the performance has been significantly improved, the new mortgage more than covered the purchase price and all capital expenditure at that point — making it an infinite return deal.

Now, many would think “wow, you’re so lucky!” To that, I will say, yes and it’s because I took the time to educate myself prior and was willing to dedicated 20 months of my life on making 1 deal work (not knowing if it was actually going to work in the beginning).

Were there man tears from stress? Yes.

Were there sleepless nights doubting myself if my ‘brilliant plan’ was going to work? Yes.

Were there times when I thought that it would take everything I got if my plan didn’t work? Hell yes!

The way I looked at it was: I wanted to buy, he wanted to sell. That’s the first alignment. The rest is a simple breakdown on each others’ actual money goals and align again on that front.

What I also want to point out is this: remember how I keep emphasizing that BRRRR is not a strategy but simply a process? This is a perfect example of that. The “B” or “buy” part here is just through a more creative way to achieve. While the “buy” part is not 100% done yet, I started the rest to renovate and rent. The actual completion of the “buy” part now is combined with the refinance.

The most exciting part is this: I can repeat this as many times as I want. Even though I didn’t pull out money to buy other things, I didn’t need it. The knowledge, experience, skills and confidence built from this deal has given me the rest of my career so far.

There may be some details worth sharing here because I want to be real with you all — it’s not always sunshine and rainbows — and hopefully you continue to get how important financial education really is. Not real estate investing, financial education through real estate investing!

1. During the periods of the leases (Phases 1 and 2 specifically), I had to pay rent to the owner whether or not there was money coming in.
2. Even when there was little to no money coming in, I had to incur large sums to money to get the units back up to shape. Some were on the actual mobile homes on the lots and some were capital expenditures to improve the overall park infrastructure.
3. It took countless hours to educate the owner on seller financing on a theoretical level. Once he was comfortable with me and the proposal, it took many billable hours between lawyers to finalize the lease and option agreements. Of course, those billable hours were many people’s annual salary at the time.
4. I had to bring on private lenders and a few JV (joint venture) partners to raise the funds required to go through what we now call the “stabilization period”.
5. Private lenders were also paid on a monthly basis regardless of income level. This is where I really learned the importance of borrowing more than needed (and it’s ok) in a real life deal.
6. Bringing in JV partners was not the first nor the most ideal way to approach this deal as I was ‘hoping’ for a an infinite return deal after all is said and done. And then I heard my mentor’s voice: don’t be greedy and don’t be cheap! And that’s just it. Very quickly, I realized that it was worth it to share my sweat equity (that turned into real equity) than to suffer the occasional anxiety attacks of running low on funds to bring my vision to life.

To this day, this remains one of my most memorable and heart-pounding deals. There were times in between when I wanted to give up and just take the hit and walk away. However, call it blind faith or call me stupid, I stuck with it.

I existed this deal in the beginning of 2017. That was when I also experienced for the first time the added benefit of currency exchange. When done strategically, it’s another way of growing the portfolio income in our Wheel of Wealth!

Excited to continue with this series with everyone and I hope to continue to add value and get feedback from you! A fun fact on this deal, too, is that I had NEVER VISITED nor SEEN this property in my life!

Tomy dedicated readers, I thank you for your support and feedback. If this is the first time you’re reading one of my publications, I hope you’ve enjoyed it and learned a thing or two.

If you’re wanting to be a part of a community of real estate investors from around the globe, here is the T.A.L.E.N.T.ed Investors Facebook Group. It’s a place where people come together to share experiences, knowledge, successes and challenges, and money making opportunities!

For those of you who prefer watching videos, here is the YouTube channel where some of my work (very raw) has been shared.

If you prefer the live interaction and delivery to help you build some foundation, our next live in-person real estate investing Bootcamp is on September 24 and 25 in Toronto. Go ahead and speak to a Strategy Coach on how you can attend and learn more!

Lastly, I just want to say thank you for your continuing support. I aim to be authentic and adding value to your life.

It’s ultimately about LIFE and I appreciate you coming on this journey with me!

(Written at home in Edmonton, AB and edited in the air over the Canadian Rockies)

September 13, 2022

Ipromised more stories from Part 1 so here is another recent one. Thank you to your constant feedback and behind the scenes interactions with me, I’m happy to share as many as I can throughout my writing journey.

From Part 2 of this series, you recall that I’ve just recently acquired 11 properties in the US using a “straight-up” VTB. I will share with you a VTB that I also proposed back in May this year (2022).

Background/Context

Wehad been shopping around for a personal winter home for about a year within North America. Frankly, our list of criteria narrowed the locations down quite quickly — Southern California, Arizona or Hawaii.

At the beginning of this year, we took a very indulgent and luxurious 5.5 weeks long trip to celebrate turning 40. One of the stays was at the Ritz-Carlton on Waikiki in Honolulu.

In 2021, we spent nearly a month in Oahu (the island Honolulu is on) and naturally explored the real estate market again to see if there are any viable strategies. It came as no surprise that very few would work on the island of Oahu other than development and Serviced Accommodations (aka STR: short-term rentals).

After some further digging in 2021, we also learned that the STR restrictions are so great that the numbers wouldn’t work. And we do not typically ‘build or develop’ from scratch in markets that we don’t have a primary focus on. So, the idea exited our mind and we were happy at the Ritz, the Four Seasons and Disney’s Aulani during our subsequent visits.

Atthe Ritz-Carlton, we learned upon check-in that there’s complimentary gelato by the pool deck everyday at 2pm. (Hello, diabetes!)

Okay…before going any further, I’m just going to make a couple of disclaimers here:

1. This is definitely not an endorsement (I wish it was…lol), and
2. This is a semi-personal/emotional buying decision unlike 99.9% of our other business-driven purchases.

Back to the story…

At2pm on the first day, we went for gelato and met this incredible couple. Through our casual chats, we learned that the Ritz-Carlton Residences in Waikiki is what they’d call a ‘condotel’ — a branded condo that can be managed by the Ritz-Carlton and the Marriott group. Long story short — we could buy a unit here and have revenue coming in like a short-term rental. Because of the brand, a high level of maintenance and marketing standards are kept (and yes, the expenses do reflect in the pro forma). However, it was perfect for the lifestyle we’d like.

With that said, I will share that the biggest hold back is still the fact that it’s a ‘condo’ and we do not ‘invest’ in condos as professional investors. I will elaborate on that later. This factor was quickly removed when the main driver is to have our winter home with little to no headaches to maintain it. Then I remember saying this for years: condo living is a lifestyle choice. For personal use, it’s 100% acceptable. Just don’t call it investing.

So, the due diligence began (don’t worry, I still had a decent time there for nearly 3 weeks).

Depending on when you’re reading this, just recall for yourself what May 2022 was like since one of the largest global pandemic in human history started…the world seemed to be almost back to normal.

Honolulu/Oahu, Hawaii has relied heavily on tourism as one of their main economic drivers for decades. The pandemic wiped out 70% of SMEs (small to medium-sized enterprises) during the lockdowns and 50% would gone forever. Hotels were deserted. Shops were closed. Beaches were empty.

I remember driving past Waikiki Beach in February 2021, I could count the number of people on it in one hand. ONE! While the detached market was booming like it was everywhere else in North America due to lockdowns, the condo and tourism markets were completely slaughtered and depressed.

To get to the heart of the story, I’ll fast forward some facts and the share with you the different offers made based on the findings:

Seller’s motivation/situation:

• Purchased during pre-construction for USD ~$1,280.000
• Market comparables came back at ~$750,000 — $860,000 (depending on the floor it’s on)
• Seller is from Asia and bought it to ‘park’ money (which I really learned that it’s just a typical buy rent and pray)
• Seller’s parents had already planned to visit and spend a month in July 2022
• Seller wanted to sell because they were just watching the value go down

After this, here are the offers made (remember: always make 2 offers when you are working with a realtor — those who don’t want to or haven’t had the experience to are likely not someone you’ll be a successful long-term working relationship with. #truth) —

1. VTB Offer: $750,000

• Downpayment: $445,000
• VTB Loan: $305,000
• Proposed rates: 5% interest only = $1,270.83/month
• Term: 5 years
• Balance of $305,000 due after 60 months in full
• Open term for 6 months after 5 years at original rate
• No prepayment penalty after the first 2 years (or after 24 months)
• Will pay $10,000 in realtor commissions (will add to purchase price)
• Will pay seller’s legal fees (up to $2,000 — will add to purchase price)
• Will offer Quit Claim Deed for extra security (90-day clause)
• 7 nights stay per year subject to the following windows: Sept 10 — November 30 every year (US Thanksgiving weekend blackout for +/- 5 days), January 10–30, May 1–31
• For as long as the Buyer owns the property or up to 5 years
• Valued at approximately USD $6,000+/year
• No rollover or banking of nights
• Reservation must be made min 4 months or 120 days prior (subject to availability)
• Must be in 1 reservation per year
• Possession/closing date is July 10, 2022
• Buyer agrees to start paying property tax on closing date
• Seller agrees to pay maintenance fees till August 10, 2022
• Seller agrees to vacate the property (check-out) of the unit on August 10, 2022 the latest
• Sellers agrees that the 1st mortgage payment starts August 11, 2022

2. For Cash Buy –

• Offer/Purchase Price: $745,880
• Possession on/before July 1
• They can pay us $18,000 directly for the parents’ stay in July (50% based on quoted rate directly from the Ritz-Carlton website)
• All other additional offers in the VTB offer applies
• Additional nights beyond the 7-night stay in the same reservation will be billed at 35% off of Ritz’s published rate (as per website quote at the time)

Ihope to have demonstrated a few things here with everyone:

1. Those ‘seller may want’ clauses don’t always have to just be included in a VTB offer. Remember, any deal happens with conditions and needs (sometimes even wants) align.
2. “Always make money in the buy” is still Rule Number 1. As a result, I would negotiate on terms that the ‘performance’ can bear as opposed to going up in prices as much as possible during a negotiation process.
3. It’s about aligning the seller’s intentions and conditions to sell while working out internally on the numbers. Either of these offers would make this a great short-term winter home while making money during the time it’s not for personal use.

Here’s what happened: The Seller said YES…at first. Then their inexperienced realtor and traditional lawyer made them change their minds. Oh well! I moved on. 1 week later, when the reports on inflation, rising interest rates and the looming global recessions started happening, they came back and said they would take my offer again. Sorry, too late.

I do believe that everything happens for a reason. In this case, I dodged a bullet. The value dropped and tourism slowed down. While emotionally, it felt like a loss, financially and logically, it concluded the way it was supposed to. I ended up pursuing the deal shared in Part 1!

Tomy dedicated readers, I thank you for your support and feedback. If this is the first time you’re reading one of my publications, I hope you’ve enjoyed it and learned a thing or two.

For those of you who are in and close to Toronto, ON —Trust Your Talentis running a 2-dayLIVE IN-PERSON Real Estate Investing Bootcamp on September 24 & 25where you will dig into this particular strategy amongst many others. You can visit theBootcamp Registrationpage ortalk to a Strategy Coachfrom Trust Your Talent Academy to learn more. Take action now if you’re serious about thriving through the tough times and come out better at the end of all of this!

Ifyou’re wanting to be a part of a community of real estate investors from around the globe, here is the T.A.L.E.N.T.ed Investors Facebook Group. It’s a place where people come together to share experiences, knowledge, successes and challenges, and money making opportunities!

For those of you who prefer watching videos, here is the YouTube channel where some of my work (very raw) has been shared.