Sonic Caast time as you girl Sogna was up and I got my guy Jay in here. Yes, yes, pronounce your last name for me again,
Moran. I wanted to make sure I got it right because I always say Moran and I forget the N N N N and the extra am right from Viz Valley here in the city where you know the Bay Area obviously, and you know, somehow, some way created this empire, like I give it to him, and I know there's people surrounding him that have more, but he's working to that point, right, and his improperty investment strategy and the people that are surrounding him, which you know you then saying goes, you
surround yourself with good people, you're gonna do good things. Gotta build that team, right. But he started on his own. And when I went to a recent like what would you call it, like just a showcase like a panel, it was. It was a it was a master of real estate mastermind meet up. Yeah. So I went to this thing and while everybody was talking, and everybody's story was different and unique as to how they got invested. They got involved in real estate investment, right. But Jay's
story like as soon as he said he was from Vince Valley. I was like, that's my guy, right, that's my guy. But the story like you started doing it on your own though, with your own property first yep, yeah, dred percent. Yeah, so I got a property twenty fifteen, I bought my family's house. So like prior to this, I had went to the military. Oh no, yes, I went to the military. Did my thing. I was just going down the wrong path. I was. You know, I grew up in I know, the neighborhood,
well Man Storry. So what happened to get arrested a couple of times? Man? Did? I did get arrested one time. I don't really share this as much, but you know we're here talking about it. Right. So I got in some trouble. I had got like my credit was shot. I couldn't drive because I couldn't. I had too many points like I was just doing too much, you know that that mind frame of you know, just like the hood and the turf and things like that. I was just out. I was outside all the time, so I couldn't I
couldn't get I had to get insureurance. To get insurance. For me to get insured, I had it was like three grand to get insured. So I was like, Okay, that wasn't working. And then I got in trouble and then I was like going through this whole process, and then you know, I was just like I had like an epiphany. There's a couple of things that happened. But I started to see, like what was happening. Some of my friends were just starting to mess with some harder getting in
too deep. Yeah, getting getting in too deep. And then my dad he was always telling me like, hey man, why don't you join the military because he was seeing what I was doing and I wasn't disciplined. Yeah, I wasn't doing much right. Yeah, And then you know, I was like okay, and then he just kept telling me about it, and then he was one day he was just like, you know, Jay, I don't want to die with tears in my eyes knowing my son didn't do
anything with his life, right, So then that I'll do it. Yeah. So when he said that, I was like, and he kept telling me like joining the military. I was like, let me just try this. Try, let me try a couple of things. And what I was doing, I didn't really know what I was doing really yet, Like you know, I was just trying to figure it out. So I was, you know, I came to a point where like me and my homies were like really into the music heavy, right, We're doing music heavy, and
we just had like a lot of internal conflicts. And then I was just like, you know what, I'm I'm out of here, Like I'm just I'm gonna do I don't want to deal with this. It's hard for me to get a job. I can't drive, so I'm like, it was just it wasn't working for me. So then I was like, I'm gonna just do what my dad asked me to do. And and you know, because I wanted him, I wanted to make him proud, like I didn't
want him to feel like how we felt. We didn't really have a like a cohesive type of relationship, mainly because he was gone working, like he was out like like physically present. He wasn't there. And this was like pre FaceTime and all that stuff. So it'd be like he would just call a how you doing, blah blah blah, five minutes, all right, give the phone to your mom. So I didn't have from like nine to maybe like seventeen ish, he wasn't there physically, you know, so I
didn't have that guidance. My brother had ran away, So I was just like, you know, street lights come on, be inside, Yeah, that kind of thing, right, you know, there's whatever is in the free refrigerator, throw it in the microwaves, don't open the door, right, So that's kind of how I grew up. But I would be outside right with everybody else. And then so yeah, so anyways, I ended up going to the military, and you know, that straightened me up in
a lot of different ways. That was a whole like, that's a whole story all on its own. It was like some of the best times and some of the worst times in my life. But I got to travel. I met some really solid, solid people in during my time. It was right around wartime, so I was like, I'm gonna go, I'm gonna go do my thing and get out. And what happened was September eleventh happened. Oh wow, So they sent us out to the golf. We was out there for you and a half months. But yeah, my idea of
the military was not what it was when I was in. It was just completely like they you know, they make it seem a lot nicer get in there. You imagine there's a lot of people, like from the hoods, from all over, from like Chicago, from New York, l A, a lot of gang by, a lot of gang activities happening. So you're like, wow, you're out there, folks cripping in blood and walsa. I'll serve in our country. Yeah, they would. We would hit ports
and people would get outside and start banging on each other. It was crazy. Yep, it was crazy crazy. But yeah, so it's kind of like you got to stay on your toes. And I was getting a lot of I was getting a lot of flak because I'm from San Francisco and the stereotypical idea of San Francisco at the time. They would try to like you're
gay. Yeah, yeah, where you're from San Francisco? Oh you know, and I'm like yeah, you know, like and then so I would like stand my ground, like, oh where you from Compton, Oh, Compton over all those you know, and yeah, what you're trying to say, And then it would be like that. So I had always had to you know what I mean myself, right, So so it was like that whole situation. Anyways, you know, like I got I got past that, got out, and then the transition from a military back to civilian was
a whole that's the whole thing. Yeah, right, So like I felt like I'd have the support, the guidance. Like I remember the day I got separated, I stepped outside and I thought to myself, I don't know, I don't even know what to do. I don't even know how to
I don't even know what to do right now. So then I just started getting like odd jobs and then just work my way up right, just you know, That's that's one thing that I think people from urban areas, right, if they can get it right, is there's this grind that you can't
match. You know what I mean, if you focus and you want something, you're just gonna go after it. So that was just me, right and then figuring it out and then you know, yeah, to fast forward to where I'm at now, which is it's crazy, it's a blessing,
you know, crazy successful d Yeah. But like when I talked to Jay, we met the first time because after when I met you at that panel discussion, you know, you see when you have like commonalities with someone, right, and I was like, we're going to vibe better cause he's going to understand where I'm kind of coming from and I'll understand him right. And the process. The other people were dope too. No diss to them. I mean, it's a great organization over there. They got going on was
in but you know, we chopped it up. And then one day I hit him up. I was like, hey, can we go get lunch because I had questions, you know, about how he started with this property investment or whatever. And the first thing you told me to do was like, hey, you got a garage, flip that shit into an ADU. Because that's what I did. Yeah. Yeah, so you built it what was it two or no? Three below your home? Yeah, so it's three total. So what I did was I had a single family home and
then I saved. Like this whole time, like I was trying to figure it out. And what was happening was like I had a property. The rates were coming down, and this was like I I was figuring it out. I didn't really I didn't know, you know, So like I started getting these letters rates were dropping refinancial house, and I was like, okay, I don't know what that what that meant. I just started calling all
the letters, right, Okay, what does this mean? And that's when they're like, okay, what I know now is back then, what I was trying to figure out was like, the the balance of your mortgage and the value of your house, that's your equity. Right. So they were like, okay, since the rates are coming down your values at this you can pull cash out. Yeah, And I was like, okay, how much can I pull out if I leave my mortgage payments the same? They're
like fifty grand. I was like, I'll take it. So then I took that fifty and then I the house needed a lot of work, right, So then I flipped. I upgraded the bathroom, put some recess lighting, you know, just kind of did some things like that and not really knowing that that was bringing the value up, right, So then I did
that. I waited a while, the rates dropped again, pulled more equity out, and then I did the kitchen, and then that plus my savings, I flipped the downstairs in the two because there's a two story house. Yeah, I flipped the downstairs in the two studio units, okay, and I rented one out. I rented both of them out, and then that's when when it hit me like I just pulled cash out twice twice tax free, right, and now a mortgage free because I got two tenants in right
mortgage. And then that's kind of where like things just started and he didn't increase his mortgage payment at all. So I think that's a worry with people. I mean, right now, you know, depending on where you're at, it probably would have to change because the rates have changed so much, even though they're on the down, you know, tick a little bit. But yeah, just a perfect time, dude. It was like a perfect storm for him to jump off. And let me show you the pictures.
I'm gonna look for him because I know you sent them to me. Hold on, let me go to the thing. I just want you guys to see what he started with. Let me see if I can how that looked on the bottom, right, Yeah, and then what it turned into bathroom inside the studio there you go, kitchen and living space. Oh yeah, you know what I'm saying. And how much did this slip cost you? I put at both for both as one hundred. That was all my saving.
Yeah, and I was like I didn't know if I was ever going to get it back right until you move people in there, right, you were like boom, putting in the work. Yeah, it was a proof of concept, and I was like, okay, there's something here. Let me let me continue to continue to figure this out because I know people are doing well with real estate. So that's kind of where it started to click
and I got more intentional. Like all all that stuff that led up into that point, I was just kind of winging it, you know what I mean. And then you figured it out though, and you were confident in yourself yep, one hundred percent. There's a couple of things that happened in my life, and like one of them was when my mom passed away and I started to realize like, Okay, things are going to come to an
end someday. Let me just do what I need to do to the best, like I can't feel like at that point, I had made up my mind. I got to figure out how I can do this with real estate. That was like a path for me. And I can't feel comfortable if I don't try my best, right, So I was like, okay, if if I if I fail, I'll be okay with that because I know I tried my best. But if I don't try it all, I can't. I won't be okay with that. So that's kind of how my mindset
was at that time, just trying to figure it out. And then yeah, so that was it right there. And to be honest, like you know, transparent, I was scared as hell. Every move that I made, I was scared. That's what you take big steps, dude, there's a fear factor in there, because fear of failure is huge, especially when
you're talking about putting so much money into it. Yeah. Yeah, that was like my life, my life savings at that time, and I didn't know if it was gonna work, but I know I knew at the time, like if I didn't do that, nothing would change for sure, Right, So that was kind of like my my fork in the road, like I could do nothing and nothing would change, or I could give this a stab and see how it goes right and then I'll be be being okay with
the outcome whatever which way it went right. So that's kind of that was my start, and that was like one of the biggest pivotal moments of my career, now, you know what I mean. So because you looking at your family and your kids and you're like, brou am, I putting all this on the line, and I got them to watch after my mom's whatever, X, Y and Z. But you got to take that leap. And I think, you know, he started on by himself, but now
like he's surrounded by people who do this, so it's crazy. And then I remember you telling me you had a life situation where shots rang out by your crib and you were like, Yo, we need to go get another house somewhere else. So then that property, not only bottom but top right became an investment property. And then you got another home right, And then I don't know if you're still in that one or not, but or you moved to another. Yeah. See, so owning property across the Bay Area,
especially right now is crazy. And then shoot, you know, just recently, if what's your IG again, you want to tell people? Yeah, yeah, j Dot invests on IG. Yeah. So he just partnered with one of the people that I was talking about. Zen University is a program that teaches you how to do property investment with one of the owners of that And they just bought a big old apartment complex in Texas, right yep, Texas yup. Shoutouts to Zencoast University, Calvin, one of my partners.
We just knocked down a one hundred fifty ye it in Garland, Texas. Yeah, breakout, the Breakout, the silverl War. Yeah. Yeah, crazy, Like it's crazy how this thing works, you know. Like yeah, So like after that whole situation, I was like, Okay, cool, a mortgage free. Let me try to figure this out. And by that time I was doing like I was just listening to a bunch of podcasts, audio books, everything I could just consume, you know what I
mean to kind of accelerate my education knowledge. Right, And then COVID happened, right, But by this time, I was already positioning myself, like putting my money up, paying down debt, just preparing myself for the next move. And then COVID hit and that's when like a lot of buyers backed out, a lot of people were scared, and I kept hearing this quote in my head. It was a warm Buffett quote. When people are greedy, be fearful, and when people are fearful, be greedy. And that's
when I was like, okay, everybody was backing out. I was like, this is the time in right, So then I was lined up and I was like, Okay, I need to find find a property. And then I was working with my relatory at the time, who's also uh who one of my mentors, Jenny from Zenkos. I was like, hey, what happened? What you were talking about signings? So like before that, I was uh. So we were at the house in Viz and it was like I had just finished reading a book to my son. Shout out to
Jack, You're gonna hear this one day. Yeah. So I was reading a book to my son Jack and then uh, we fell asleep and then I woke up to gunshots right he was hood and then I was like, I sat up and I was like, damn, he was good. He was good. I went into the into the room, checked on my wife and my daughter. Y'all good, and I went I went outside and then I was like looking out the window to see what's happening. And then soon
after the police came. I checked my cameras. They were at an angle where I couldn't catch it, but it was like right in front of my house, right, So then the shellcasings were all like it was a crime scene in front of my house. So all the shellcasings were underneath my wife's car, and then I was like yeah. I was like, you know what if one of these if one of these things flew through the window,
I hit me or the kids, I would be sick. I don't know how I would be able to for I don't know how i'd be able to move on. Right. So I was like at that moment, I was like, the first opportunity, I'm out of here, right. I love the neighborhood that made me, you know what I mean, But at that point, it was like my family, my kid's safety because I had a lot of people coming over and hanging out. Right, if something happens, like I'm responsible. So I was like, okay, first opportunity, I'm
out. And then that's when I hit Jenny. I was like, hey, I got to get out of here, right. I need to find something asap. And this was like right COVID time, so it's like perfect timing, right, A lot of people were buying. I don't know if that was like divine intervention or what was happening, but I was just I was ready to do whatever whatever it took to get out of there and just take my family somewhere else, right. So then that happened, and then
yeah, I was just I was I was focused. I was like, okay, I need I need to get out of here. And then I just started taking those necessary steps to get to a better neighborhood. And then that's when we got a house in South San Francisco. Yeah right, right, So COVID happened like March twenty twenty March. I put in my offer, April you was on it. Yeah, out. I mean, you know, showcasings under. They were probably using her car as a shield probably.
I'm surprised she didn't have any holes in her car, you know, because it just you know, firing back and forth in the hood. That's a daily occurrence. Yeah, that's enough to do it. Yeah yeah, I was just done, like can. A lot of people can't, so they're still there. Yeah that is. It's the mindset thing too. Right before before I had my wife and before I had the kids, I was like, I'm gonna stay here. We're good because it's just you Yeah,
like you know, yeah, I'm good, you know. But then you know, when I started thinking about my seeds and just the people around me, I'm like, it's not really that safe. So I had to I had to move and then yeah, then I got my next one. I was scared for that every move, right, I got my next one that was like the most expensive property I bought at that time, like a million dollars. I was like, I don't know how I'm going to go and
pay this comfortably. And then my kids tuition, like we were committed to like good educations right like before this, I was like, oh, they're just going to go the route that I took. And then my wife was like, aste, absolutely not. And then you know, so I started, you know, but I did see like when we put them in the daycare and these other types of higher education, I could see the development and
I was like, Okay, I'm sold. And then so I was like, I don't know how I'm gonna do it with the kids tuition and now this new it was like fifty seven hundred bucks from mortgage at the time, I had a three point five percent rate. Yeah, I put almost everything I had, you know, and then that was so that was the second time came out of everything, you know, almost all my savings. And
then I was like, I don't know how gonna get it back. Figure it out though, figure it out right, But my priority was get out of there. So that was that. So then it was like I had a three point five rate fifty seven hundred bucks that was not including utilities or any of that furniture. The house was needed, a bunch of work. Plumbing wasn't working, floors were missing, no electrical I had the I had contractors start working. I didn't have the money. And then the week after
we closed, our car got stolen. Oh my god. It was all coming down. At the same time, I was like I was stressed out. I was working and I was like I was losing sleep. I was like I was stressed out because I was like, this payment's going to hit, Like I don't know how I'm gonna do it. And then my friend Jenny, who's doing this this, she was like, I'm gonna start this. I want to start this, this this real estate program, and I want you to be a part of it. And I was like, shit,
you know, let's go. At the time, I was like, damn, my car just got stolen, Construction work started. I don't even have the funds for that right, mortgage hasn't hit yet, kids are going to school. I was I was like, let me let me think about it because it cost it some money, right, And I was like, let me think about it. And I took a week, and my thought process was like, Okay, if if I could go to all vacation Disneyland
or Hawaii or something, spend a couple of thousand, no question. But when I when I want to invest in something for myself to educate myself and gain some knowledge and grow my network, why am I struggling? Why am I Why is it so hard for me to think right? And I was like, I'm at the end of that time, I was like, okay. My thought process was like, you know, all athletes have coaches and mentors. Even though they're at their peak, they still have people around them
making them better. And I was like, how come I am not thinking like that. Why wouldn't I need a coach? I was like, okay, I'm a bet on myself. So I was like here, yeah, suck it. And then, and this is right around the time I started the journal, I was going, you know, I was like, I was trying to deal with my traumas. Yeah, you know what I mean. And this was right around the time when I'm like starting to open up and be okay with not being okay or like seeking help and not feeling like
I'm crazy, you know. So I was like, let me start. And then some of the tools that I was getting from, you know, like some of the professionals I was talking about, I was like, start journaling because your mind. My mind was all over the place. I was not getting sleep because when I lay down, my mind wouldn't turn off. So they were like, try journaling. So twenty I think it was twenty
twenty one is when that program started. I wrote in there a million dollars net worth, buy a non of state property, and buy a multifamily property, right, And I didn't know how it was going to hit any of those I just wrote it down because yeah. And then in six months that property of that bought. When I did the construction, it's the value shot up six hundred grand. So that took me over triple. Now, it took me over a one m right, And then I was like, okay,
cool. Then I that was with that program, and I was like I'm going I'm in right, And then I was like just fuck connecting with everybody, learning as much as possible, applying myself, doing my research all you know, we'll be on a call. When I get off, I'm just grinding, you know, like trying to figure out, like okay, contact this person. I'm just moving because I need to get to where I
need to be. And then I ended up buying a property in San Antonio, right, And then yeah, so it's funny how that worked, and this is the power of a network. Right. So, like I had met somebody at a retreat and then came back Sunday Monday, the bank calls me because we're supposed to close that Friday. The bank calls me and says, we can't lend you the funds for that house. So because it's uninhabitable or a praiser didn't want to didn't want to praise the property, didn't want
to go in. I didn't want to go in. And there's tenants, I mean, there's people living there. Yeah, so I'm like okay. So I'm like, oh, you know, well he's not there, so he depends on this network of people that he uses another state to do all the work because he probably will walk in that thing, but he can't to praise it either. You have to have a license for that. So then I was like, damn. So I put it out to my network because I needed to figure out how to get some money for it. Yeah,
so I put it out to my network in my community. I was like, hey, because I was either going to pay somebody to borrow money, but I'd rather pay somebody I know right or somebody in the family. And I was like, I got this opportunity ten percent return. You know, here's the numbers. Anybody interested. I got hit, jumped on a call Wednesday, agreed on some terms and some financeing, some financing terms, and
Thursday signed a contract, sent throughout. The contract, came came back Friday morning, she wired me the funds to buy the house and to rehabit bo and then Friday that Friday, I wired it to escrow and closed. And that's just through relationships, right, So I wasn't even out of pocket on that. And then I got that property. It was a full gut rehab never been to San Antonio. Would you buy it for? I bought it for one six out of state property but it needed all the work though,
And how much is it worth now? It's worth like yep. So yeah, so that was like my first out of state and then and then through my relationships there. There was a thirty six unit that popped up in Alabama and that was part of my goals that I wrote down all to unit and I was like, Okay, I want to get in because I want to
understand how this works. So then I put my money up for that and boom, I was in and now now I had Like it just basically accelerated my my my goals and my knowledge right because I wanted to get to where I want to go. So that's just how I move, right, Like figure it out as much as possible and just and just go. I mean, you know, you got to look at the downside and the risk, but by you know, my knowledge right now is you know, I know
solid. Yeah, it's solid, right. I Mean there's of course things I don't know, but you know, learn every day. You got to figure it out. Yeah, and things are going to pop up. That's one of the things they talked about at the panel, Like everybody had a story about, you know, their out of state properties because all of them own something out of state. It's just way cheaper, right, and you know, unfortunately a lot of these people in these areas they don't know that
they can own so they rather just rent for whatever reason. And you're like, hey, check this out, so I know why I can own. Let me go out there and buy it up. You could rent for me. Okay, everybody's happy, right, but things will happen. The pipes will bust, the roof falls in, you know, whatever, something happened, and you're not there to handle it because it's you know, it's your
property, it's your investment. But you build this network of people, just like he's talking about, your go to realtor realtor in Idaho or Texas or whatever, your property manager in Texas or wherever the case may be. And those people come to you and you guys figure it out as a group. But you just have to be able to build that and get with the right people. So yeah, yep. And then yeah, so I just kind
of just you know, parlayed that and just kind of kept moving. So yeah, because Calvin and them owned how many doors a lot, like four hundred or more. Yeah, and doors has been you know, apartment doors whatever, home doors like, it's called doors a game and their goal his wife wants to own a spall and I think they're doing that, huh, didn't I just see some I'm about. Yeah, a wellness center. Well they went to a retreat. So that property in Hawaii is uh it's called
Lotus Rising. But a couple of the folks in the community, you know, came together bought a property in Hawaii, turned it into a wellness center and we were just out there like two weeks ago. Yeah. It was like a lot of like inner work, inner healing that you know, shout out to Michelle and m d those are my people's Yeah, you know, they're they're about like healing, you know, all the stuff that we don't talk about, like the mental health and all that stuff. The trauma wasn't
getting past that. So we went out there did some sound bowl healing, like a lot of deep work, and it was good. You know, it was a good experience. Like sometimes you just we're so busy with the grind every day every day, not stop. Sometimes it's good to disconnect and just kind of feed nourish yourself. Right you come back and say, okay,
let me refocus and get after that back to it. Yeah, yeah, because I think they had they want to own their own island and they're on their way though, because like you know, when one of them and it's great to have a partnership like that. You know, husband and wife obviously ideal. You know, whatever part whoever you partner with it, he's a part of their organization as well. I remember Calvin saying, you want
that island or not, or you want that wellness center or not. You'd be like, you're right, let me get on the phone, let me get on the computer or whatever, because you're pushing each other for this goal and at one point you'll be able to just sit and chill. Your kids will be good. Your kids kids will be good. But you just again to his point about being scared. That's how you know you're doing something right
that probably is gonna level you up. Yeah, there's gonna be failure sometimes depending Like again, if you don't have the network and you try to do it by yourself, you don't have like honest people around you, possibility is there. But you got to make sure all those ducks in are in a row before you move. And you're still gonna be scared. But you either be scared and you level up, or you be cool and chilling and whatever hanging out and you stay stuck in the same spot. Everybody wants that dream.
Everybody wants to own property. There's people that just want to even buy their first home right now. And believe me in this real estate stuff that I do now, Like I have conversations I'm scared, I'm scared. I was like, I know you're scared, but you're also paying thirty three hundred dollars in rent. You're paying somebody else's mortgage right now. They were scared
when they bought that house. You'll be scared when you buy your house, but you'll feel so much better when you're on the other side of that rainbow and you're just like, damn, I did that shit, period, because we can all I feel like it's crippling when we find ourselves running into complacency, and it's an easy way for us to sit there and say, yay, I'm swimming. You don't see me swimming. All you doing is tread
and water fool. You ain't going nowhere, And we get stuck so much in that day to day grind where it goes right over our heads seeing like, hey, bruh, you know you have all the tools to swim, right Why are you just sitting here treading? Why don't you get to moving? You know, and I think a lot of times stories like yours, coming from where you came from, you know, having the opportunities and the difficulties that you have while doing it, that honestly can give a lot of
people some insight and also some motivation so that they can start swimming. Bro, you got me ready to start trying to get my damn for you know what, let me let me make a deposit on my uptel code character. There's so much more we could talk about because he was putting me onto helocks and all kinds of other things that he has so much knowledge about. But also Zen University has all that information too, so you just got to look
into it. Follow them all on ig and follow the success stories, dude, and when you get interested to the point I mean DM my guy, Jay's a good dude. So you know, if you want to, you know, communicate with him, he's probably open to a short conversation because you're so busy, like you're crazy every day. So it's like, you know, yeah, there's game to be learned and there's a process to it,
and there's people available to you. But if you don't ask questions, you're gonna sit there paying somebody else's mortgage, or still just paying your mortgage on your home when you probably have a shit ton of equity that you're sitting on. Maybe the interest rates aren't right for a move right now, but they will be again at some point, and that's going to be the time that you need to move. And that's the exact trifecta that happened to him when
he jumped off this whole journey. So you just have to be ready for it, and your mind has to be ready for it so you can just jump period. And the basis of it is started making those preparations now, not when the not when those numbers finally drop, and then trying to scramble to do it and be like, oh should I do it? Should I not do it? You should do it, right, I mean, you know, just if it's right for you. But you got to figure that out now. Hopefully you have some support too. But yeah, man,
Jay, I don't know. You want to tell people anything else before we get out of here? Yeah? Yeah, follow me on I g J dot invest I am a coach, a real estate coach with Zencoachuniversity dot com. Yeah, and we just want to uplift everybody you know. And one thing too, is that a couple a couple of things. Right, If if you focus on your goals and you you know, you're intentional with how you spend your time, as long as you're one percent better you know,
today than you were yesterday, you know that's progress. Right, So you know, have some grace on yourself and you know, just kind of you just got to surround yourself with the right people right that inspire you, and you got to take take chances to ask questions. Right. The answer is always going to be no for a question you don't ask, very true. I was trying to look up because I know Jen had a seminar but it was yesterday. Yeah, for home buying, which jope. But they have
it all the time. So if you follow Zincas University too on IG you'll see that they have people just like you know, Jay, that are over there talking about your options and basically encouraging you. Because that's all it takes. People don't even know what they're sitting on right now and they just need to be encouraged to move forward. That's it. So find the confidence, you know, and make a move. I'm trying to make the move.
He's got me looking at how I can flip my garage into the A d U. I'm like, damn, I just put panels fixed the roof. Like shit, I'm gonna have to pull some money out of the house. So when that time comes and those rates flip because I got a low rate, yeah, I'm gonna figure it out. We're gonna make a move.
Yep. Yeah. So I mean, like if you right now with the rates dropping or they're supposed to move a little bit, right, there's people that are waiting right so sure, so if you wait, if you wait for the rates to drop, you just got more competition right here if you if you buy, if you're in a position or work towards buying right now or sooner, you know, you could always refin the rates down the line, but you have a property less competition, right So there's a cycle.
You just got to figure out what part of the cycle we're at. And then I think it's always a good time to buy. It always is. I mean, the when the rates dip, the property value goes up. So either way you're gonna pay. But with going in now, you can refinance and then you'll pay us. Whereas you know they'll get you two hundred k more when the rates go back down down, because they'll be like,
oh, check this out. Yeah, the rates are lower, but this house costs two hundred grand more than it did when you were first looking at it. So you just have to again get the confidence to make a move. That's it. So thank y'all for listening to the sonocast. Thank you Jay for sliding through and trying to put some game out there for the people. Make sure you lock in with your folks every day Monday through Friday,
six to ten am. Over there, one oh six point one cameal every day to wait, hey, stay locked in, shut off the VIZ Valley Zone Sonic Cast. Well, how