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Multi-Units/Apartment Buildings Private Lenders Random Ramblings

First and Last Day on the new J-O-B



Yep, you read the post title correctly: yesterday was my first and last day on the job as a brand spanking new bill collector! lol Mhm, if yesterday wasn’t my first and last day I would have become the person everyone ignores and hates to hear on the phone!

I started yesterday morning at 8am. (Woke up at 6am OMG!!!) It was just training….can you say “yawn?” zzzzzzzzzzzzzzzzzzzzz

Anyway, at about 12:30pm I get a call from BMW telling congrats and they’d like me to come on board starting soon and they’ll email me the details.

hehehe This was the internet sales coordinator job, one of the two jobs that I would have been ok with having (still haven’t even interviewed with BOA yet.) So I get the email, read all of the details about pay, bonuses, commissions, etc. and then call the collection job and tell them I’m not coming back.

Starting on Monday, June 21st I’ll be a new employee of:

bmw

And I’m ok with it. Monday I’ll find out my official schedule (as the General Manager wants to sit down with me and the other dude he hired too so we can see if we can work out our schedules amongst one another.) After that, I’m off to the races with working around it and buying a multi-unit.




Chris was right, it feels much better to know that the main bills will be paid, makes it much easier to be able to negotiate deals properly as I won’t appear desperate. Btw, don’t think I haven’t been doing nothing this whole time in regards to multis…because I have….a new post is coming up as well. Networking really does pay off folks.

Soooo is anyone in the market for a new beamer or what? lmao Just kiddin…..well not really!

P.S. Ya think I can find some private money walking in the BMW door? I think that’s possible. I mean if you have $124k to spend on a new 7 series I think you probably have some extra cash to be a private investor for yours truly, right?

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Multi-Units/Apartment Buildings Networking Private Lenders Vacation Adventures

Networking on Memorial Day



Networking can happen on holidays too. Right? If you didn’t network this memorial day weekend, did you miss out on excellent networking opportunities?

I networked yesterday and I didn’t even plan on it! Yesterday, Kathy and I were invited out boating with poker friends. We thought it would just be us and our poker friends, but turns out our poker friends brought some of their other friends. So a bunch of new people we didn’t know.

We had a lot of good potential people to network with, obviously, I didn’t know this when I first met them. After talking to folks or hearing folks talk it turns out we had in our presence:

* a real estate agent who sells million dollar properties
* a director of operations for a big medical equipment company
* a homicide detective
* a couple who own their own lucrative business

and other folks. Can you see some opportunity above? I did. So I started my networking. I spoke with the real estate agent the most. I talked to him about multi-family investing and partnering. He was interested! His significant other is the Dir. of Operations for the medical equipment company…..so I’m thinking that these 2 gentlemen have some money for investing. And they already own sfh rentals, so they understand the basics.




The couple who own the lucrative business are our poker friends from Arizona. I spoke to our one friend about it and she said she would be interested and then her partner overheard us and asked me what we were talking about. So I told her and she said “yes, they’d be interested in something like that definitely.” 🙂

Now as far as the homicide detective…well I don’t know how much they really make? But I do know that she’s got a pretty nice house right on the water (we threw out the anchor out back of her house to swim) and she’s got a boat and a lot of doo-dads, if you will. I haven’t talked to her about investing with us, but I’m thinking if we could get a great deal going with either of the gentlemen or ladies above that she’d express some interest as long as she has some money to invest.

So the next time you have a holiday weekend or are spending time with some friends you haven’t seen in a while, don’t forget to take the opportunity to NETWORK. Because you never know who you will meet.

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Finding Apartment Buildings Makin' Offers Multi-Units/Apartment Buildings Networking Private Lenders

70% occupied property plus many more



Been looking at several properties this week. We’re definitely trying to make things happen. Kathy and I even had a talk about the types of deals and investors for those deals that we want to target.

So far this week we looked at 2-30 unit properties, 1-36 unit property and I looked at a a duplex, triplex and 4 unit the other day and a 4 unit (possibly 5) property today. I just scheduled a Saturday appointment for a duplex. Normally, we might not be interested in the duplex but I spoke to the lady on the phone before and she just faxed in the fax back form. On the form she gave a price and then said “or best offer” (I love hearing that) and wrote real big: Need to Sell!

After talking to her again and asking why she needs to really sell it’s actually kinda sad. This is the part of investing that I think sometimes may be a bit more difficult for chicks rather than guys. Ya know we get those emotion things involved. I mean I’m not saying that affects my buying decision but I’m definitely super sympathetic and empathetic. Anyway, she lived in a house that had mold issues for sooo long, TOXIC MOLD issues and 1 of her cats and 1 of her dogs ended up dying because of it and now she’s super sick because of it. So she has to move (and no, she doesn’t live in that house anymore and no, that’s not the house she’s trying to sell!)

The properties I seen today were very nice. The nice rental units I have EVER seen….EVER. There are 4 units now (single family house, a duplex, plus 1/2 a duplex.) Plus, the husband wants to make the other 1/2 duplex into an apartment. So it’ll be 5 units total and they want $750k for 4 or $790k if the 5th apartment is done first. Uhhh no. We offered 900k on a 30 unit! (and eventually, I think they’ll go for it, because that’s what it’s worth…) But the sellers I absolutely adored….older couple who just want to retire (home improvement/roofing biz) but they are a lil unreasonable right now.

I’m pretty sure we’ll draw up an LOI for the 36 unit we saw the other day and I’m seriously trying to figure out how on earth we could purchase a 120 unit property that is 70% occupied. I think it’s got HUGE upside……but I’m still trying to get my head around figuring things out that aren’t the “norm” yet.

Things are chugging along….I told Kathy that I don’t think properties are the problem and that we need to concentrate on finding private money more. We decided that for the smaller deals we’re going to seek out debt investors to just lend the entire loan amount and for the bigger deals we’ll use equity investors and just take a percentage of the deal. Equity investors just doesn’t make sense for these smaller deals…..financially speaking for us, anyway.

I finished a free report on Investing in Emerging Markets last night and today or tomorrow I’ll finish our Investor Brochure for folks that are potentially interested in investing in commercial real estate deals.




OHHHHH I almost forgot, I went to poker last Thursday (finished in 4th and more than doubled my money) but more importantly I know one guy in particular has some dough (and some real estate) so I started chatting it up with him and asked him about his properties (he’s trying to get rid of them all, they are shells in not the best parts of philly) and he said he never wanted to be a landlord. So I took that as my key to talk to him about becoming an equity partner with us. He asked in what areas we were looking and how many units are we talking. I answered him and he said “I’ll give you my email address before I leave tonite. Send me some more information. I mean not specifics or anything, but general information. I have some interest.” 🙂

That’s why I put my ass in high gear to get this investor brochure together. The next step is to set up a meeting with him and his wife (I guess he’d want her involved…I dunno??)

So far, my monthly poker tournaments have found me 1 private lender and potentially 1 more. There’s another guy that comes sometimes that I’ll definitely hit up….but haven’t seen him in a bit. I know he’s got bucks too!

Ok off to finish my brochure now. Oh and if you are reading this and you’ve done any deals with 100+ units that had 70% occupancy or around there, please email me. I’d love to talk to ya!

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Commercial Real Estate Brokers Debt Direct Marketing Campaign Educational Seminars Finding Apartment Buildings Free/Low Cost Marketing Methods Multi-Units/Apartment Buildings Networking Passive Income Private Lenders Random Ramblings Short Sale Deals

A lot happening – networking is king – a job, maybe?



I have a lot happening lately, which is good, of course, but unfortunately I haven’t closed on an apartment building deal yet. Patience I know…and I have found out they may take a wee bit longer then your typical single family deal.

I’m being a tad bit impatient though because I really don’t want to have to get a j-o-b! Know what I mean? I will though if I have to…I mean if it’s necessary to help take care of my family while I do the apartment thing on the side then it’s ok. That’s not the worse position to be in (it may seem like it because I’m not your “normal” type of job person…..but it would only be temporary.)

You might say “well why don’t you wholesale while working on apartments?” And I’d say that’s a fine idea, but realistically to be successful at wholesaling you’re busting your ass and networking and marketing and doing all of the things that I honestly, want to spend my time doing with apartment buildings.

Sometimes I have that conversation with my self and it makes sense and other times it doesn’t. But the big key is, just because you have a deal under contract when wholesaling does NOT mean you’re necessarily going to bring money in (deal could fall through for a number of reasons, etc.) And if that happens, well that doesn’t do the whole family bank account much good 🙂

Trust me, I am not dissing wholesaling in any way shape or form. I made some decent money as a wholesaler but I also remember that to make that decent money I worked my ass off. Not that I’m afraid to work my ass off anymore but I want it to be focused on apartment buildings. The goal: to accumulate enough apartment buildings that throw off enough passive income for me to live off of and for Kathy to live off of and quit her full-time gig (Remember my F R E E D O M post? That’s what it’s all about. ) Passive income does not happen from wholesaling.




So my idea was to get a silly j-o-b that I would just go and do my time (like a prison sentence, right? lol) and have normal set hours so therefore I could manage all of my apartment buildings activities around those set hours. And at least I’ll get a lil bit of money coming in regardless (that is probably until my ass gets fired lol because I spend too much time on real estate hehehe)

If anyone sees a flaw in my thinking please let me know. My debt, folks, is really pissing me off and really determining all of the moves I make. I don’t know if you remember, but I “borrowed” enough money to live off of for 3 months in hopes that we’d get an apartment deal by then……..well I’m tired of paying nearly the minimum on my debt and I’m tired of being broke all of the time. I know a j-o-b is not my end goal, but I think I may be considering it a stepping stone to at least allow me to put a crap-load more money towards paying off my debt while I work towards my passive income goals.

Btw, yes the atm’s are kicking it, even the new one….but still, doesn’t throw off quite enough for me to live off of completely yet.

That’s the bad news, but now for the good news. I’ve been a networking fool lately. At toastmasters, whenever I meet folks and definitely at that tradeshow I went to last week. I think I may have found myself a new private money lender at the tradeshow (we’ll see,) I found an awesome contact who referred me to a property manager and the property manager was fantabulous and she referred me to 2 commercial brokers and told me she’d keep me informed of any properties that she hears coming on the market.

A lady at karate last week saw my WE BUY HOUSES lettering on the back of my car and asked for my card. She called me last night. We spoke. They owe more than their house is worth….I told her I could probably make her an offer and do a shortsale but she’d walk away with nada. She understood and said she’d talk to me in the future when they saved enough money to move out. In the meantime, she tells me about a 12 unit apartment complex near us that she’d like to move back into because the rent was dirt cheap. She tells me that the landlord tried to sell the complex before but the deal fell through. The owner since moved into a retirement community. Of course, I talked to her about that complex and she said she’d get the info for the owner (since her mom still rents from her) and give it to me so I can call her, plus she’d pass my info along to the owner as well. Fingers crossed!

Toastmasters meeting tonite again and I’m bringing Kathy with me aka dragging her kicking and screaming with me! Afterwards, we’re going to drive by 2 properties; a 6 unit and a 12 unit that aren’t far from there. If we have some interest in the neighborhood, which I’m sure we will, we’ll make appointments with the brokers and put in LOI’s.

Friday, we have a 3:30pm appointment at Starbucks with a broker I met at the tradeshow. He knows of a 45 unit property that will be coming on the market sometime soon in our area. And I know, I don’t drink coffee…lol but I like Starbucks’ banana nut bread and their strawberry banana smoothies. Yum.

Saturday, I still have to confirm, but may be seeing a 4 unit property. Monday have an appointment to see a 2 unit property. These are all smaller than I’m really interested, but I don’t think it hurts to practice. These gave from my mailings.

Just got another fax back form from my mailings of a lady that has a 10 unit. We’ve been playing phone tag tho. Sent out 255 pieces, 9 came back undeliverable and we got 5 responses so far; 3 by phone and 2 by fax back form. Just over 2% response rate. Not as good as the last piece we did.

Tomorrow we are going to a Chamber of Commerce mixer to see what we can make happen. It’s $10 for non-members. We still don’t know which chamber to join yet. So we’re just going to the free events and any of the cheaper events for non-members.

And today, I’m going to have Kathy call our next potential private money lenders to set up a lunch appointment with them tomorrow or Friday (those were the folks who were excited to do real estate deals with us but went on vacation.)

Soooo things are definitely moving along, but I don’t foresee an apartment deal by next month, so that’s why I mention the j-o-b thang.

Over and out for now.

P.S. If you haven’t check it out yet, do me a favor and check out my shorter private money pitch and tell me what ya think!

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Commercial Real Estate Brokers Educational Seminars Finding Apartment Buildings Free/Low Cost Marketing Methods How To's Multi-Units/Apartment Buildings Networking Private Lenders Videos

Private Money Pitch – Short

Ok so you remember the longer private money pitch that you saw on video, right? Well this is my shorter private money pitch. And I know the video says I’ll be using it tomorrow at the convention, but I actually recorded that video a few days ago….so I used the pitch all day yesterday at the convention.

I think I even shortened it and went into detail if folks asked questions. At first, I have to admit that it was a little intimidating being in a huge convention center with soooo many people and not knowing how to approach folks or what to say, etc. Because of course, I just wanted the opportunity to try my pitch. After a while I started to get the hang of it and felt more comfortable talking to folks. After a bit I would randomly sit down next to folks just to ask what they do for a living lol

I got 1 guy who told me he thinks he’d be interested and to definitely email him. Another couple seemed interested but they didn’t have any contact info, so I gave them my biz card (probably never hear from them.) About 1 or 2 other folks seemed like they may know folks that may be interested. I got biz cards and I put EVERYONE into an excel spreadsheet today, along with some notes on the back of their biz cards. I’m going to stay in touch with everyone, but definitely with the potential private money folks.

Met a couple of new mortgage brokers and commercial real estate brokers. Had a free lunch, free dinner and an open bar (I don’t drink so I just had 2 sodas.) Also attended a free seminar on financing in today’s market. All in all it was a pretty good day.

So….what are your thoughts on this private money pitch vs. the longer private money pitch?

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Meeting with private money, Meeting with a seller



planning your retirement

So I believe I told you that I was meeting with PokerBob (the sub-deacon) and his wife as potential private money lenders. Well I did my very first private money presentation for them and I think it went fairly well. I felt pretty comfortable with it.

Bob and his wife Coleen are pretty intelligent people and definitely financially informed, so they asked a ton of great questions. Questions that other potential private money investors would ask me as well. I think I handled the questions well and Coleen and Bob said I handled them well also. They also make several really good suggestions for my presentation and gave some really valid reasons for them. I believe I’ll be taking most of their suggestions and incorporating them into my presentation.

Overall, it took them a few days but then Coleen called me back and asked me a few more questions and then finally said they would fill out and send in our Accredited Investor Form. 🙂 So we have our first official private money lenders that are waiting to see deals.




Also, I told Kathy to call a mutual couple that we know. We met them through Kathy’s brother and they are super duper sweet people who happened to have a ton of money. They mentioned to us before that they were interested in potentially getting involved in real estate and that we could maybe do something together. Kathy called them and as usual they were nice as pie. They said they are going away on vacation but they will be back in a week or so and they are DEFINITELY INTERESTED and DEFINITELY WANT TO MEET WITH US! They are an older couple whom we believe to be pretty well-off and we know for a fact that they have a ton of friends just like them. And when they see something they like and believe in, we also know for a fact that they refer it to their friends….(Kathy sold them a Rainbow lol and she got about 5 pages of referrals from them.) So we hope they do a deal with us and they are happy with it because I think that would equal an endless money supply between them and their friends.

Kathy and I met with a guy who responded to our most recent direct mail campaign. He has 2 four units available in Maryland. We actually liked both buildings and he and his wife want $400,000 for both buildings. We are interested and they were giving us first shot at making an offer before they listed their property with a broker. They gave us 4 days to think it over….however, we asked for them to send us their expenses and they never did. I finally called them and spoke to the wife. She said she’d mail them to me.

So we’ll get those and go over things. I told them to go ahead and list the property but make sure they put us as an excluded buyer in the contract with the broker.

We shall see. I got a couple more posts for you coming up….1 with a video of my short private money presentation and 1 with some details on my day yesterday at the Apartment Association of Great Philadelphia’s Convention and Education Seminar.

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Educational Seminars How To's Private Lenders Videos

Attracting Private Money with my Elevator Pitch

I hope you liked my private money elevator pitch video. Please leave some comments in regards to what you thought of it. Do you think it will create interest? Do you think it’s too long? Is it good, bad, or what? Thoughts or ideas to make it better?

Thanks!

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Finding Private Money Lenders



Private Money Lenders and finding them is generally a big deal for most, if not all investors. We all want to know “how do we get the private money lenders?” Right? Because if we have the private money lenders then we have access to cash and we can make more cash offers and get more deals accepted but more importantly with this private money source at our finger tips our confidence is higher as well!

Well Kathy and I were in Boston, Massachusetts last week for a Private Money Lender seminar. We spent all day Wednesday, Thursday and Friday with Dave Lindahl for his Private Money/Syndication Bootcamp. (It was $2997 for those who are wondering.)

Anyway, with the bootcamp we got his private money course in hard format prior to going to the bootcamp. I had read it before getting there and we got new, different materials when we arrived. I’ve been to many real estate seminars before and as always, one of the best parts about the seminars is the networking with like-minded folks. It’s just awesome.




Besides that tho, we were hoping to find some private money lenders at the bootcamp hehehe Didn’t happen yet, but we’re still hopeful that some of the contacts we made may be private money lender worthy lol We learned a great deal at the bootcamp and the big thing there was syndication. Syndicating your deals so you can get paid an acquisition fee from your private money lenders at closing. It was super interesting and confusing as well. There was an SEC (Securities and Exchange Commission) attorney there speaking for a day and a half explaining the rules and regulations. What you can and can’t do, etc.

Overall, I really liked the Private Money/Syndication Bootcamp. At the end we had a strategy session with one of Dave’s coaches (of course they try to sell you the coaching program i.e. $8,000 to $10,000) but we don’t have those funds at this time but the coach spent an hour with us (it was only suppose to be 20 minutes) and gave us a great deal of information and action steps to take.

Kathy and I have been talking about the need for a coach/mentor and we’re thinking of going with a gentleman that was referred to us by someone who I met recently from Scott’s Struggling Investor blog. I plan on giving this fella call and chatting with him a few times to see if he’ll be a good fit for us.

I’m super psyched to hit up some private money lenders….or folks that I feel have the potential for being private money lenders for us. We are still practicing our pitches (I practiced mine while laying in bed last nite, while driving home last nite, while in the shower this morning and while driving to my mom’s this afternoon!) I also practiced it on some lady in a New Jersey Turnpike Service Area bathroom lol I did awful by the way….but better to screw up with her then someone I really don’t want to screw up with, right?

I said to Kathy, “I just practiced on that lady.” She said “I know, I heard you.” I said, “I sucked.” Kathy said “I know, but that’s ok.” lol

We got a lot going on right now. 2nd direct mail campaign is out, already getting calls (no fax backs yet tho) and we’ve got a whole lot of action items to tend to and that verbal offer I made?? Remember?? Well the broker told me that he’s trying to get the seller to see reality and thinks he could get him to my price within 3 to 4 weeks. Yikes I say! Not because I’m scared (well maybe a touch) but because we actually saw the property #1 (which it’s in a C area and is a C property with lots of deferred maintenance) but #2 because I messed up when I was figuring out the numbers and the offer should have been way less 🙂 You live and ya learn right?

Luckily, I called ChrisBuysApartments and asked him what to tell the broker so I don’t sound like a complete idiot. Thanks Chris!

Moving right along…a lot to do and oh yeah, Kathy’s away this entire week and I have the kids. And Joe…oh my gosh, has shit to do all this week…baseball then karate then baseball then karate. I swear the only day he doesn’t have something is Monday. Oh and to top it all off he has a religion project due for school lol Definitely my strong suit, right? (For those that know me, know that’s sarcasm!)

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Atm Deals Finding Apartment Buildings Networking Passive Income Private Lenders

ATM Placement – New Chinese place? New Strip Club? New Cash Only business?



ATM Placement is very critical to your ATM business. Well that is if you want to grow your passive income with ATM’s. We currently have an ATM that we bought because it was on sale just sitting in a warehouse waiting for us to find a place for it. (Note: I recommend not buying an ATM until you have it placed. I don’t care how good of a deal it is. Ask me how I know?)

Anywho, we’ve been slacking with ATM Placement for this 5th machine. Don’t ask me why? Because it’s costing us money. Yeah, it is. $15 a month (for the wireless modem.) We’ve had the machine since I believe November. Mhm. I know. You can yell at me if you’d like….I’m a big girl….I can take it. So that’s $75 it’s cost us to have this machine so far. Actually it’s more than that because the modem peeps just lowered their pricing. I’d say closer to $100 and that doesn’t include purchase cost.

I’ve contacted places here and there but nothing all that fascinating and my follow up was lacking. I did follow up relentlessly with another strip club tho (I wonder why? $7 surcharges maybe? lol) Anyway, he’s not interested I don’t think.

Now the other day when I went door knocking to find apartment buildings for sale, remember? Well the only reason I went door knocking for apartment buildings was because I was waiting until the lunch traffic rush was over so I could talk to some chinese restaurants to see about placing our ATM there.




That day I hit up only 3 restaurants (2 chinese places and a 24 hour diner.) We have a chinese place already……..the chinese place that we have is our highest in transaction volume every month (last month it did 277 hits.) Our strip club is our highest in dollars made every month because of the high surcharge (last month they had 53 hits….at $7 a pop.) The chinese place we have currently we partnered with someone so we only get 50 percent of those profits. Strip club we get 100%.

So when I walked into the first chinese place the lady there seemed reallllly interested. I explained how everything worked and we even picked out a spot for the ATM machine in their location. This chinese place was just recently voted Best Chinese Food in the tri-county by the local paper. I was speaking to the manager and she told me to call her Thursday after she talks to the owners but she said “we’ll probably do it though.” (I was doing the happy dance inside by the way, but I was able to compose myself in front of her.)

The other chinese place the owners/manager wasn’t there when I went. The 24/7 diner he was into it and said he already interviewed other ATM people. I’ll follow up with him but we’re more interested in the chinese place. I spoke to the chinese place manager yesterday and she said “Yes, they are doing it.” Hehehe so today Kathy and I will go and sign the contract with them and we’ll set up an installation time with them next week. Rock on.

Now we went to our strip club to fill it yesterday and got to talking to the owner, who is an absolute sweetheart. He told us about his new manager and how he has all kinds of connections. (and from the conversation I gathered he has money and so do his connections. Can you say private money lender?) Anyway, we were talking about this one strip club we want to get into and he said “oh he knows people there. He knows the managers and the owner. I’ll get him to get you face time in there so you can talk with them at least.” We are excited about that cuz they blew me off over the phone. Soooo that’s some good news. Oh and last night we had to go back there to fix a problem with the machine. I told them to unplug it and that should do it….sure enough by the time we got there it had fixed itself lol But we got free drinks from it and 2 free strip club shirts lmao

Oh and the reason we’re so excited about this new manager and his connections is because just with this one strip club that he’s going to try to get us face time with the manager or the owner….well this strip club is one of the best, top-notch strip clubs around. Classy doesn’t really feel ummm right when talking about a strip club, but for lack of a better word it is a very classy, high class, $$$$ expensive strip club…which Perfect girls (I been there twice when I was younger lol I know, I know….I was taken there by some guy friends for my birthday and I forget why the 2nd time.) But anyway, it would be an awesome place to get in to is my point.

And today, Kathy was out trying to get us some business. I’m so proud of her. I’m usually the one going into businesses and talking to folks but today she found a cash only deli by accident and started talking to them about an ATM. She quick ran home and printed out brochures and a business card for them and took it back. When she got back the husband and wife business owner were both there and they said they’d be interest they just want to read over the information (btw, we don’t have a machine for them, we’ll have to buy one lol but we know a guy who is selling a used machine for $800. It’s only 2 yrs. old. So we’d be cool with that.)

We’re working on the apartment building business and we’re going to have a strategy session today (thanks Shae) and then I’ll post about what’s going on with that.

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Like-Minded People and Private Money



I think we all know how important it is to have like-minded people in our lives. Grant it, all of you guys and gals that read this blog are like-minded plus all of the blogs that I read, those folks are like-minded as well. So we have many like-minded connections via email and blogs and forums, etc.

But I think it’s also super important to have like-minded in person folks in our lives….wouldn’t you all agree? Sometimes, however, this may be a lot harder than we want it to be. Anyway, I don’t know if ya’ll remember that I told you about the couple that Kathy and I met with and played Cashflow with?




The couples name is Bob and Coleen. Kathy and I met Bob at our monthly local poker tournament that we go to. We call him Poker Bob but his poker name is Mr. Big Nuts 🙂 (my poker name there is Cash N’ and Kathy’s is Kdoc.) Anyway….I actually sold Bob and his wife a Rainbow and I think that was the single best sale I made in Rainbow because I spent a long time there and we found out that we had a whole lot more in common than just poker. We were like-minded.

After that Bob and Coleen invited Kathy and I to dinner and to play Cashflow. And we just talk a lot about investing and goals and things of that nature. It’s very ummmm what’s the word I’m looking for here…..well I’ll just say it’s very nice.

Kathy and I went over again Friday evening for dinner and we chatted about passive income ideas and what vehicles we planned to use to meet our goals in the future. Bob had to leave us about 1/2 hr. after we arrived because he had to head to church because he was having a rehearsal for today. (Today he was being made a sub-deacon. Not that I have any idea about that stuff but I think it’s cool because Bob was super excited about it, so I’m super excited about it for him!) He did finally join us again tho 2 hours later.

We’re kind of like accountability partners for each other too. We’re working on budgets and goals for our next meeting (which Bob and I are more excited about then Coleen and Kathy are lol)

Ohhhh and to top it all off….we spoke to them about us getting into apartment buildings more in detail and that our goal is to get bank financing for 80% for the most part and then private money for the other 20%. They were interested!!! We found our first private money lenders! We, of course, just have to hook up with an SEC attorney because we want to always make sure we do things above board and we also have to find a deal!

This week guys I plan on kicking a$$!!!! I’ve been really sleepy lately and I seem to get winded after I do the simplest thing (Kathy thinks I’m depressed because of a lack of money, especially since I’ve been out of commission for a month.) Whether I am or not, is irrelevant to me, because I’m gonna get my shit on track now…….I have no other option.

TOMORROW I WILL GET UP EARLY, I WILL EXERCISE, I WILL JUICE AND I WILL TAKE MY VITAMINS AND SUPPLEMENTS!!! MY OLD ROUTINE WILL TAKE OVER AGAIN AND I WILL GET SHIT DONE!!!!

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