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My graduates from my school being forced back drop Mike Drop backdrop.
We're going to talk today about how to get really real estate one on one. So kind of average person that doesn't come from, you know, affluent family and low socio economic environment, how does someone get into real estate?
Like, what would be the first step?
Oh man, The first step personally, I think is mindset. You got to make the decision because I think that's numero ono right. But as far as financing, you need to get pre approved, you need to know exactly what you can qualify for. There's several different loans out there. So let's speak to the first time home buyer right now. What I try to coach all my first time home buyases.
You know, most people want to go ahead and go to White Planes or go to Long Island and buy the nice single family home with the white pick offense and this that and the third, right, which is cool.
If that's what you want to do, that's what you gotta do. What you gotta do. You got the money for well, you got to have the money for it though, right.
But what I try to encourage all my first time home buyers, if you don't have a need for a certain school district, or if you don't have, you know, children that's going to junior high school or high school, then you should always start off with a multi family, especially if you know you're looking to get into real estate investment. You know at some point in your life, start off with a multi family anywhere between two to four units.
And you can use programs.
Like FAHA, which allows you to put down as little as three and a half percent as a down payment, which is a terrific program.
So three and a half would be that's pretty small percentage, yeah, so as opposed to I had to just outright put like what is it normally twenty percent? No?
No, no, So you have FAHA that allows you to put down three and a half percent, and also conventional loans allow you to put down a two US three percent, but you have to qualify, you have to be a certain income restrictions. If you're buying multi families, you have the you know, white planes. The income restriction is probably ninety six thousand, So if you exceed that, then you won't qualify for that three percent down on a multi family.
Then you'll probably have to put down as fifteen percent because it's.
Gonna be a boy my residence.
But FAHA is always a good tool because no matter it has to have any income restrictions, as long as you're within the county's long limits, then you can and you can credit and income qualify, which minimum credit scores a five to eighty For FJA loans, we're putting down as little's three to half percent. Buy that multifamily and you can live in it for twelve months and then move out of it, and then you can writ the entire the entire place out and now you created a
cash flow investment property for yourself. And now you can now go ahead and go buy your one family or your condo or whatever you.
Want, and now put them in on down payment as well.
So each county has a set loan limits that you said.
Yeah, so FHA has. Every county is different, right, So we're in like five boroughs west Chester long Island, so up to a four family, we can go to one point three non seven million every county in America, every county in America. So if you're you know, your audience is probably all over the place, right, So if you want to know what your your county loan limit is, just you.
Can google it again. You know, if you're living in Kentucky, you.
Can google you know, FAK loan limits for Kentucky or whatever counties in Kentucky. Or if you're in Georgia, if you're in when It County, you can google FAH loan limits for when It County, right, and they'll tell you for one family, duplex, driplex for a plex, that's what they call it out there.
So that's why.
So that's interesting because yeah, so that's interested in that you say that your first home should.
Be a multi family, it should be a multi family absolu.
A lot of people have the reverse mindset where they want to get the picket white fans as their first home, and then if they want to get like an investment property, then they'll look at multi family.
Yeah.
But see that's where they screw themselves, right, because now when you go ahead and you do that one family first, and you go do the multi family second. Now you got to put down twenty five percent. Now less you have twenty five percent plus closing costs, which is probably you probably spend around thirty percent for that transaction.
Then guess what, you You just screwed yourself.
Now it's gonna it's gonna be harder for you to get into that investment game. Now if you go ahead and you buy that that multifamily first using three and a half percent plus your closing costs, Now you have a multifamily. Potentially it's you're going to live in it because it has to be your prominent residence. You have to live in it for twelve months. Right after twelve months,
you can move out free and clear, no problem. Now go ahead and buy another one family buy one family property and now still do a minimum down payment loan because you're moving out of one and moving into the other as your primary residence. So the key to anything is all on how you're structuring your loans and structuring
your deal. Right, and if once you say investment property, you automatically think twenty five percent down payment, you say from difference, that's a huge difference, and especially here and where we are. You know, that can be a couple hundred grand depending on that sales price. But if you go ahead and do multifamily, first minimum down payment, twelve months,
you move out, move into your single family. Now you have an asset that's going to pay for itself and probably pay for you one family or a portion of that one family. Right now, you created some sort of cash flow. I've had clients move from four family to a two family, you know, and still was able to
use minimum down payments. Now, if you use an FAHA loan, you can't go ahead move out of that four family property FAHA and then going to the two family FAHA because FAHA changed their rules a couple of years ago. You can't have two FAHA loans at the same time now, right.
But you could use it again if you rea.
What I tell everybody is this, right, you buy that four family or that multi family, you stay in there, you refinance it, You get out of the FAH loan, and you go into a conventional mortgage. Right, probably try to pull some equity out of that home so that way, now you can use that equity as a down payment for your new property. Now you're refinancing as a primary primary residence because you're still technically living in there, but your intent is obviously at some point to move out
of it. Now you're taking that equity, you have a conventional loan on it. Now, now you're going to buy your one family. Great, you're going to go move in that one family. Now you can use FHA for that one family because this four family or multi family is now in the conventional mortgage and you took the equity.
Out of there to help you purchase that one family.
And now your tenants are not only paying for this property, now they're going to help pay for this property depending on the rentals and cash flow of that property. It's all about strategy at the end of the day. And most people don't lead with strategy. Most people lead with emotional And this is business at the end of the day. Like you know, I try to coach all my buyers think business. I don't care if you're going to live there. I don't care about any of that stuff. Men live,
women live. Numbers don't at the end of the day. And if you're telling me your goals are to invest in are to invest in real estate, then you.
Need to think like an investor.
Every first time home buyers should be thinking like an investor, Why go buy the flip? Why when there's programs out there for the first time home by like an f h A two or three K long or Fanny Made Homestyle loan where you can get renovation and your mortgage money all in one, all in one loan. Yeah, so why not go on buy? Look, we spoke about Envy and Caesar. These guys are not buying the flip right, They're going ahead and they're buying at.
The foreclosure auctions. They're buying short sales.
They buy the worst house in the best in the best areas that they can, and they're putting that money into it and now they're making their r O Y. Why can't every first time home buy I think the same way like the investor. Why does the nvs and the Cazons of the world need to make all the money? Why can't the first time home buy have that same strategy and make the same returns. But you're gonna live in it for a year, two years, three years, whatever the case may be.
But now you're buying under market.
That's the whole So you would encourage anybody to go into buying a home as an investment. Like, even if somebody doesn't necessarily look at themselves a real estate investor, I guess they are a real estate investor.
By buying homes investment. Whether you think you're investor or not, you're investment.
You're investing or not.
So some people will tell you out there that your primary residence or a single family home is not an investment because it doesn't generate cash flow, right, which is true. But to me, I don't think that's one hundred percent true because you're looking at that equity, right. That equity is what that first time home buy I should be paying attention to. And when that equity gets to a certain position, you need to act on it. You need to do something with it. Because equity is monopoly money.
It's not guaranteed. The market crash twelve years ago, right when every home was depreciating across America. So if that doesn't tell people that equity is monopoly money, I don't know what's going to tell them. So I have people right now that may purchase a home in twenty eleven, twenty twelve. Now they may have two hundred three hundred thousand equity, and they don't want to touch it.
I'm like, what are you doing?
You need to take that money and do something with it, because if the market corrects yourself, which it will at some point, now, you're going to kick yourself that you didn't jump in the game. Take that money to invest in these opportunities zones right and build that generational wealthare yourself. Because the market doesn't care about what's going on, the market is going to do what the market wants to do.
So what I try to coach all my buias, my sellers, my current homeowners whoever, don't let equity sit there because it's not guaranteed.
You got to use it. If you don't use it, then it's not it's nothing. It's monopoly money. That's real.
Don't the single family home is great, and I don't have nothing against the single family home, but I think the strategy moving forward should be multi family first, single families, laiter down the road because you can always buy a single family home. There's never going to be a shortage of that. Look, what's happening in the housing is expensive.
Rent are going up. The rental market is booming right now, So why not put yourself in that position to be owner occupied landlord where you can basically live for free. Now have your job, Now you can save all that money to reinvest into.
Other realpers I think it goes back to where I guess last week talked about as well. A lot of times we care about we're perceived exactly, and it's like, okay, well, how would I look living in a three family home. I'd rather have the white picket fence with the backyard and all.
That well, with the Mercedes side.
When you look at it from a financial standpoint, from a lot of different reasons, it does make sense, all right, guys. So a lot of people asks us how do they make a podcast? So I'm letting on a secret on the easiest, most productive way to start a podcast and get it up and running, and that is the app called Anchor is Free. They have all kinds of cool creation tools that allow you to record and edit your
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Let's do it.
Oh absolutely, and the piggyback off of episode eleven, which was a phenomenal, phenomenal, phenomenal phenomenal episode that So if you guys haven't watched it eleven, you need to watch that before you watch this to watch all the other ten two.
Episode eleven was fire right, So.
What he he brought up a great point, right, mixed use properties, which mixed use properties are common where we are in New York. You can use faha long to purchase a mix use property, which a lot of people don't know, and put down three and a half percent as long as fifty one percent of that mixed use is residential. So you can go ahead and buy that mixed use that may have a storefront, but two apartments
or three apartments as residential. And if you're a business owner, if you're like he said, he runs a restaurant, now he can live in that one of the units, have the restaurant and still have two rental incomes coming in to help support everything.
Now living for free.
His business is for free, and the mortgage is being paid off, and you can use the two or three k long to renovate it.
So you can go buy the piece of shit to use property and use.
That renovation money is to fix it up, clean it up and open up a business or rent it out to another business owner the commercial aspect of it. And now commercial rents are much higher than residential rents. So again, living in for one year, now.
You move out.
Now you have a commercial property or under three and a half under an FHA loan with three and.
A half persent down. Plush your clothing costs. We got to know the game, man, You gotta know the game. It's all about It's all about strategy.
And most people, especially listen, we're in the age of the business owner the entrepreneur.
Right. Most people don't think you still need.
A brick and mortar, but some businesses you need a brick and mortar, right, depending on if you're in a service industry or whatever the case may be. If you're in retail, if you want to open a store or restaurant, like you said, one of the t off his businesses, because the overhead right and rent is a big thing. But if you have a mixed use property and you want to open up a restaurant, why not use that as your primary residents also for at least twelve months.
For that twelve month.
Sacrifice, get the loan living there because you always can move out. And now you have a business that's basically in there for free rental and rental property. So you get you know, you're killing two birds with one stone, so to speak. You get rental and your business in there, and your your business is not going to have all that overhead, the pressure of paying the rent because you know what, it's your mortgage and your tenants are paying for it upstairs.
So it's all about strategy.
Not all good in real estate.
It's never always a dangerous Now we're going to we're going to explain that how things can go wrong, all right.
So, as I said, it's never all good in anything in life.
Right.
So, real estate is something that's very popular, very trendy right now, and very has this stigma I think of everybody thinks they're just gonna get rich overnight, right, and people don't know it's like any business. You know, when you go into business without a plan, your destined to field.
Right.
So if you plan to be a real estate investor. And as you said, whether you think you're investor or not, if you're buying a home, you're an investor. But you don't have a plan in place, then you're gonna aid probably make mistakes and worst propulica scenarios, you're gonna fail correct. Right, So this dudes and don't involve right, absolutely? Can you just talk about some dudes and don't in the real estate game.
Yeah, there's tons of them.
Right, But if you're a first time home by one of the don'ts I tell people is, especially if you're in the application process, you found the house, you're in contract, don't open their debt, don't buy your Mercedes, bends before you go to closing. Don't change your jobs, you know, don't do something that would impact you in a negative way to turn your approval to a decline. Right, And most people you think is common sense, right, but common sense is not common Unfortunately they're not.
It's true most people, like they don't realize, like when you apply for a car.
They do a credit sure yea, then they have to pull your.
Now they don't realize when you go for a car, they may pull your credit. What ten other banks to shop.
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What's the best deal for for the auto finance company, not for you.
As the consumer. Right now, that school and it affects your credit card brings you down.
I mean, I've had situations where people applied and purchase Mercedes Benz a week before closing. I've had people who got cold credit cards just because it was colds box involved. You know what I'm saying, Well, I'm like, what are you doing? You couldn't wait to get the bed chees the house yet, so you don't. What I try to tell people is this, when you're in contract, you don't own that house just because you're in contract, just because you have a loan commitment.
Do not get happy.
Do not make any changes that can affect you in a negative way, because you can get declined just as quick as you got to prove right and The underwriters are always looking for a reason to decline you, so you have to be squeaky clean. Don't be moving money around. That's another big thing. Do not move money around. Keep your money in one account. Stop doing your so suits and putting here and doing this and doing that.
You know what I'm saying, don't do it. Don't put the Mattress money in there.
No, like, leave your accounts alone, because now we start seeing money moving around. That's red flags. Now we have to document. We have to see where this money is coming from.
If you can't document that money, then we can't use it right, and that can blow up your deal too.
So the don'ts is it's just keep still, you know what, Keep still, relaxed. You're almost at the closing table, and when you close, you can do whatever the hell you want to do.
Right.
Another one of the don'ts I would say for first time investors right, stop thinking you don't need money.
You need money, right.
If you're looking to wholesale real estate, then maybe you don't need money right because you're signing contracts. But if you're looking to do buy and flips, or if you're looking to do buy and holds, you're gonna need capital, right, There's many ways you can get capital.
I mean you spoke about it at my workshop.
You can do self directed iraise, you can borrow from your four one K, you can you can raise capital with a group of friends.
What I'm starting to see right now is becoming more popular.
But people are co owning properties together, you know, moving into multi families, working together. You know a lot of different cultures co own right.
But can you talk about that collaboration because I'm talking about collaboration in business absolutely, actually last week so now, but collaboration and real estate, Yeah, something that is very key, very important leverage.
Can you just talk about that?
Yeah?
Absolutely. Our collaboration is greater than competition. I speak about this often. That's why we're here right now, because we're collaborating because it doesn't make sense to compete when we all have something that we could bring to the table. So if your first time home buyer, let's just say your brother is a first time home buy and you both want to be in that same area, why go
buy two single families? Why not go buy a full family together, live on each floor, and now you have two rental incomes, and now you both can probably live for free or pay minimum together.
Now you can split that equity when it's time to sell.
Or buy each other out. With real estate investing, you don't need to be one hundred percent owner. I think that's the biggest misconception that people think, Like, if you're going to we all can. We can collaborate and create a business structure, a joint venture business structure and put our money up and it doesn't have to be equal, right, as long as it's equals to one hundred percent at the end of the day, that's all that matters. You
can be eighty percent owner. We can both have ten percent ownership, right because we're bringing something to the table, But that would be our portion of the net rental income or of the proceeds after sale ten percent, ten percent, eighty percent of you because you're bringing the capital, right, But we may be the operators and you don't know
how to operate, right. So it's all a matter of what do you bring to the table to collaborate to make yourself valuable for where someone wants to put you included into that business.
And you said something important, you said coachally, you're not seeing that happen. No, it doesn't happen a cultures. We have ego.
Yeah, from a client base standpoint, what are you seeing out there? Like?
Why what's holding us back?
We hold ourselves back, you know what I'm saying, Like, we want to be the top shotter, we want to be the this is minds right. We have that ego, that mentality, that fucking sense of entitlement that we deserve everything under the blue sun, which we do. But if you ain't working hard towards and then why you have the sense of entitlement for number one?
But I don't know why we don't collaborate more.
It's sad that I see a lot of people in our community are not collaborating. But also on the flip side, when I'm starting to notice the trend, especially if you look at you know, what they call black Twitter, black social media, You're starting to see the uplifting. You're starting to see people coming together and starting to do more together. So I think that cycle is going to start getting
broke down. From an ownership perspective, I'm starting to see family members now in our community buying homes together, you know, living in the homes together. You know you don't need you know, to have a five thousand square foot home and it's just you and your girlfriend right now. If you and your girlfriend the pan it's can all move in even if you want to get the single feeling, right,
you know what, we splitting that mortgage four ways. Now it's more affordable and now we're able to save more and invest together.
So I think that, I mean, that's a personal story for me. Like that literally is my mouth model right now.
Like I own a home with my dad and it's easier for us because obviously it lessons a burden on me, but it also puts me in a position that whereas you know they're older in age, it's easy.
For me to take care of absolu.
Rather than having them grow in age and having them put them in or having them go into a home, they're here, I can take care of them and it works.
No, I think it's I think it's a it's a perfect situation for you to go on. I know someone like myself.
When I purchased my first home thirteen fourteen years ago, I didn't want to live with nobody.
You kidding me?
Forgot to have nobody's going to live with me? Right, But now as I've grown older and not matured. It's more so like, you know what, that's the best way to do it, because people just can't afford to live on their own.
No more.
People are struggling. People are living paycheck to paycheck. In New York, if you're making one hundred k, you're broke. I'm starting to see a lot more in our community where people are co owned because people just don't they don't have that the resources. You know, we qualify people off your gross income, right, but you live your life
off your net income. And if you make one hundred k gross, that's really like fifty five sixty thousand net general state depends depending on taxes and what state you're in, right, But if you're talking about thirty five forty percent, if you're making that type of money, I mean, that's what we're qualify with confie off.
That bigger number.
So for me, it's like, if you can barely qualify, you're add a max that's a income ratio off of gross income. You really can't afford it because we're not taking consideration your auto insurance, your childcare, you know, things of that nature that don't report on your credit reports. So you have to be smart is what The message that I'm preaching the people now is like, you know, be.
Smart about this decision.
And that's why I preach your family and invest in as a primary residence versus just buyd a single family home because you you really can't afford it, you know, and you're a recipe for foreclosure. God forigit you get sick, God for bit you get laid off, like how are we going to pay your longage?
And one other things before we before we finish that you had mentioned before off camera that it's important to have a strategy. Absolutely people like you go from like two to three to four. Can you just kind of explain that?
Yeah, I mean, listen, everything is strategy, no matter your first time, first time home buyer, you buy your second home, move up home, you got to have a strategy.
Right for tax purposes, you need a tax strategy.
That's why I speak a lot about tax strategy, insurance strategies.
We've had that conversation several times.
So what I try to tell people go down right four three to one, because if you do it properly, you will be able to use minimum down pay for four units four units, three unit, two units.
So the first home should be a four unit home. Then you move out of that, you get the three union home keep. You keep them, but you keep it keeping at the hotel keep. Then you go from three to the two. Yeah, and then now you can buy your dream home. Now you can buy your dreamhol those other holes that's paying for it.
You got to think about it, right.
You just accumulated probably what's that seven nine none doors in a matter of a couple of years. So if you're making five hundred dollars a profit on door, you know, now your your your single family dream home is paid for.
It's really your dream. It's not like this is what I can afford. It's not what I can afford right now.
It's like we sacrifice for the first five years of our real estate journey, right and we went multi families and moved our way down and we get it. Strategically, we're not sitting here buying in the best neighborhood when
we're buying our multis. We're buying areas that we can feel comfortable and safe and living for a year, and then we're moving out and moving into a little bit step up our neighborhood, but going down the units because from from underwriting perspective, it has to make sense for you moving from one multi family to another multi family. You can't buy a four family and three family on the same block and say I'm moving from one house to another, right, That doesn't make it.
So that's to play, like to move to a decent neighborhood, Just keep moving up in neighborhoods, Just keep moving. That's another thing too, parent that're like, I want to move in the best possible neighborhood right away where my kid is like one years old because I went to school district.
But one year is not going to make that, right, not at all. It's not going to start to five.
Listen, the kid is not going to start the five. I have a four year old, right, and she's she'll be five this year. She's going to kindergarten, right, I actual her every day what you learn in school, and the answer changes every single day, right, and then sometimes it I have nothing to do with school, Like okay.
Maybe right, So you got to really think about it.
Why are you going to go to that best school district and then the best school district in our areas come with fifteen twenty thousand and property taxes Right now, with the new tax laws, you can only ride off ten thousand. You can't ride on the whole amount. The more so, everything has to be strategy and you have to know your tax laws and you have to keep up with it. Right So why go to that best neighborhood if you really don't need the school district right now?
Why don't you go to the okay neighborhood that you're safe in. Get the multifamily because while your child is growing, you could be growing too, but in your real estate portfolio. And now when it's time, maybe I don't even think kindergarten you need to be in the best school district. That's just my opinion. Maybe not even until they get to you know, sixth and seventh grade is when their
brains really start retaining stuff. In my opinion is now you probably want to go to that best school district, and then by that time, you probably accumulated you know, three.
Four assets that now can help pay for it.
It's the same like with people in private school.
A lot of time people will send their private kids to private school in like middle school. They could they only pay the price of private school in second grade. Yeah, so they saved, and then by the time they get to like sixth grade seventh grade, now they put their kids in private.
Schel and I have folks that love private school, right
versus public? Great, But then why you're going to buy the house that comes with fifteen thousand and taxes if you're not gonna send the public because the majority of your taxes are school taxes, you know what I'm saying, So like, why are you going to pay out of the fifteen grand probably ten grand is going to the school, but you're still paying probably ten fifteen k a year in tuition at the same time, So and you can't write it all off no more, So why do it?
Right? It doesn't make any sense even if you go.
With the Star program. The Star programs are only going to save you a couple of dollars.
But those who don't know what's start.
Start the Star program saves you on school taxes, right. It used to come off the gross on your taxes. Now they send you a check at the end of the year, So it doesn't really help you doing the cost of the year. You get reimbursed or refunded. That's savings, But that they savings is only like two grands, so I mean two grand versus fifteen grand. It's like pennies on a dollar. When it's a penny saves a penny earned too at the same time, but it doesn't really
help you in the grand scheme of things. So what I try to tell people is is and just be smart because you got to pay that mortgage every month, and the mortgage man don't care. They want their money and if they don't get your money, they're gonna wind up foreclosing on you at some point.
So just be smart. Move a strategy.
Start with rental properties first, because the rental properties can pay for your asset. Like DJ Envy Ncson both say at their seminos, right, which I love that. They say, you know MV splashy like he loves cars, right, we all know that if you follow him, he's always buying some rose Royce or something. But he said, fly it out. I don't buy this unless I have an asset that can pay for it. So I'm not paying for it. I'm paying for the asset assets.
Of a reliability.
It's right, shameless pot assets of reliabilities people, right, But he's buying the asset to pay for the rose Royce. You know we have that same opportunity. You know these guys are part of the one percent club. Great, we all have that ability to do the same thing. Even if we're not part of the one percent. We can develop the one percent mentality. That's all we need. So that's when you ask me, where do we first start? Right here, the mentality is the first place that we
need to start. Develop that one percent mentality. Develop a strong team, develop your one percent dream team. You know you need guys like me, You need guys like Shah. You need financial planning, you need to understand tax planning, you need all of these these these key team players to guide you to know your overall strategy. Because if you just go to in my business, what I like to call them order takers. You know, it's like going
to McDonald's. You want fries with that right, if you go to a regular loan office, so they're not asking you questions. They're just thinking to get you preapproved today to buy that house today, but they're not trying to gather the long term your long term goals. So when someone comes to me, I'm asking these questions because I want to know.
What, who are you? Number one and what do you want to deal with your life?
Because if you tell me, hey, I want to buy this house, but then at the same time you say I want in basketball, you're contradicting your You got to kind of pick your poison and figure out what's the best route. And I can only tell you my opinion, my advice. This is what you qualify for. I'm gonna lead you to the water, but it's up to you to drink. At the end of the day, we want.
We want to thank you for coming in. Man, that was I hope you guys really once again took notes. Yeah, I hope you God really took notes. Because this is
just like business. You know, real estate is something this is actually probably even more relevant than business because everybody doesn't inspire to be a business owner, but most people have a dream of owning a home right or you know, at least rent you I live somewhere regardless, So even if you're a renter, you should still be educated on it because you know, real estate is something that everybody partakes it well.
Even I'm gonna cut your wall.
But even if you're a renter, you still should be buying right like why and especially with the millennials, like I hear a lot of this online.
Millennials don't want to buy homes.
They just want to rent because they don't feel like they want to get tagged and tied down to a property. But why not still invest, you know, still buy property, still buy real estate, and you can because it's nothing wrong with renting. You know, there's a lot of people on my industry that try to say compare rent versus owner, which I get the logic, but there's nothing wrong with being a renter. Right, It's a purpose. You know, some people,
you have to be mature to handle home ownership. You know, it's a lot, it's a lot of responsibility. It's it's not just like, oh I bought a house and now I'm a homeowner and great like, but the goddamn ball or break then what right? You know, it's a lot of response to it, and it takes a search maturity to handle home ownership. So if you're not mature enough and you need to rent, why not start investing into real estate and start small.
Stay in your lane.
You don't have to keep up with, you know, the superstar investors that are out there buying ten properties a week. You know, stay your lane, whether you buy one home a year or one a month, whatever your lane is, staying.
This My graduates from my school being.
Fulled bad drop bag drop Mike, drop bag, drop bag drops.
Coach, the energy out there felt different. What changed for the team today?
It was the new game day scratches from the California Lottery. Player is everything. Those games sent the team's energy through the roof.
Are you saying it was the off field play that made the difference on the field.
Hey, little play makes your day, and today it made the game.
That's all for now, Coach.
One more question played the new Los Angeles Chargers, San Francisco forty nine Ers and Los Angeles Rams scratchers from the California Lottery.
A little play can make your day.
Peace, Pay responsibly.
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