⚡Act Now: Agents, Seize the Debt Crisis Opportunity (David Camp)

Summary

Stay Paid Podcast Episode Summary

Title: ⚡Act Now: Agents, Seize the Debt Crisis Opportunity (David Camp)
Release Date: March 10, 2025
Host/Author: ReminderMedia
Guest: David Camp, CEO and Founder of Home Scout and Head of [e-mail]

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1. Introduction

The Stay Paid Podcast, hosted by Luke Acree and Joshua Steich, is dedicated to helping real estate agents and entrepreneurs master the latest business trends to unlock growth and create a life of freedom. In this episode, titled “⚡Act Now: Agents, Seize the Debt Crisis Opportunity,” the hosts welcome special guest David Camp, CEO and Founder of Home Scout and Head of [e-mail]. David also serves as a pastor for a growing church community.

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2. Guest Background

David Camp shares his journey into the real estate industry, highlighting a serendipitous transition from being an industrial engineer to becoming a leader in online real estate technologies.

• Career Shift:
  "It was completely by chance that I ended up in the industry. I started my career as an industrial engineer and met Lloyd Denison, who mentored me into online real estate," [02:05].

• Current Role:
  David explains his role at Realty.com, focusing on building a national real estate portal and leveraging data analytics to drive lead volume and conversions.
  "We aggregate about 95% of listing content and help drive lead volume and conversions for large teams and enterprise brokerages across the country," [03:32].

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3. Current Real Estate Market Opportunities

David delves into the debt crisis as a significant opportunity for real estate professionals. He identifies a growing segment of homeowners with high equity but burdened by excessive debt, presenting a unique chance for agents to engage and assist these individuals.

• Debt Crisis Impact:
  "The consumer debt crisis continues to expose itself with an increase in delinquencies around credit cards and auto loans. This creates opportunities for real estate professionals to help these individuals financially," [05:49].

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4. Leveraging Data Analytics

David emphasizes the importance of data analytics in identifying and targeting debt-stressed households. By monitoring credit score ranges and household financial burdens, agents can pinpoint potential leads who might be contemplating selling their homes or leveraging equity to alleviate debt.

• Burdened Household Criteria:
  "A burdened household typically has more than 30% of their income going toward home maintenance and ownership. We monitor credit score ranges and shifts to identify these households," [07:58].

• Data Parameters:
  "We use public data and our proprietary algorithms to identify households burdened by debt, allowing agents to focus their efforts on those most likely to respond," [08:39].

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5. Marketing Strategies for Debt-Stressed Households

The discussion moves to actionable marketing strategies that agents can implement to engage debt-stressed households effectively.

• Market Development Over Transactions:
  "We encourage agents to move away from a transactional mindset and focus on being market advisors, developing their marketplace by addressing current financial stresses," [08:46].

• Webinars and Educational Content:
  "Hosting webinars, such as 'Do you have debts and want to learn how to use your home equity to pay off your debt?', can attract high-intent leads and provide value," [14:03].

• Postcard Campaigns and Retargeting:
  "Using targeted postcard campaigns and retargeting with videos addressing debt can resonate deeply with homeowners struggling financially," [10:09].

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6. Targeting the Senior Market

Beyond debt-stressed households, David discusses the senior market as another lucrative segment. By identifying individuals prepared for downsizing or exploring 55+ communities, agents can tap into the needs of aging homeowners.

• 55+ Community Insights:
  "We identify consumers with equity and specific loan types who are likely considering downsizing or moving into 55 and older communities," [22:25].

• Reverse Mortgages and Intent Data:
  "Tracking reverse mortgage prospects and intent data allows us to pair financial dynamics with consumer behavior, enhancing lead quality," [24:41].

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7. Integrating Purpose and Business

A standout segment of the episode explores David Camp's dual role as a business leader and pastor. He shares his personal journey toward purposeful living and how his faith intertwines with his professional endeavors.

• Purposeful Living:
  "I have always been about living a purposeful life, giving back, and making a difference in the lives of others," [31:05].

• Overcoming Personal Loss:
  David reflects on his resilience following the loss of his wife, Angela, and his commitment to supporting widowers through his ministry.
  "When I lost Angela, I resolved to live purposefully and help others navigate their financial and emotional challenges," [30:48].

• Faith and Business Alignment:
  "Your purpose dictates how you approach all areas of life, including business. It's about chasing impact over accolades," [35:39].

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8. Conclusion and Action Items

As the episode wraps up, the hosts and David Camp provide listeners with actionable steps to leverage data and seize opportunities in the current real estate market.

• Action Items for Agents:
  "Think about the data you have and utilize strategies like the debt stress approach to understand your clients' pain points. Partner with experts like David to enhance your lead generation," [39:06].

• Connecting with David Camp:
  David shares his contact information for listeners interested in collaborating or learning more.
  "You can reach out to me at [e-mail] or visit realty.com to connect," [37:55].

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Notable Quotes with Timestamps

• David Camp on Market Opportunities:
  "Identifying those people that are debt stressed and helping them move beyond the stress of that debt is where the greatest point of momentum is in the marketplace today," [07:28].

• David Camp on Purposeful Living:
  "I have a great fear of just being a person that exists and goes through the motion. That's what drives me," [33:46].

• Joshua Steich on Data Utilization:
  "Think about how you actually know who these people are deeper than what you do today. Partner with companies like David here to get more data so you can understand your clients' problems and pain points," [39:06].

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Final Thoughts

This episode of the Stay Paid Podcast offers invaluable insights into leveraging data analytics to navigate the current debt crisis, targeting specific market segments like debt-stressed households and seniors, and integrating personal purpose with professional endeavors. David Camp's expertise and personal stories provide a holistic approach to real estate success, emphasizing the importance of understanding and addressing client needs through informed, data-driven strategies.

For more detailed discussions and actionable steps, listeners are encouraged to connect with David Camp and explore the tools and strategies mentioned during the episode.

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Connect with David Camp:

• Email: [e-mail]
• Website: realty.com

Follow Stay Paid Podcast:

• Website: staypaidpodcast.com
• Instagram: @StayPaidPodcast
• YouTube: YouTube.com/remindermedia

Transcript

[Joshua Steich]

Welcome to the Stay Paid podcast where we help agents and entrepreneurs master the latest business trends to unlock growth and create a life of freedom. Brought to you by Reminder Media.

[Luke Acrey]

Welcome to Stay Paid.

[Joshua Steich]

My name is Joshua Steich and I'm Luke Acrey.

[Luke Acrey]

Before we bring on our guest today, we'd love it if you take a minute to subscribe to Stay Paid over at Apple Podcasts or Spotify. While you're there, drop us a review. We will read it here on the show and make sure to subscribe to our YouTube channel. Also YouTube.com/reminder media. You can get each and every new episode in video form from Stay Paid Podcast. Our guest today, returning as always, Stephen Acree of the Acre Brothers Realty team. The number one team voted and rated.

[Stephen Acree]

That's right.

[Luke Acrey]

Voted and rated.

[Joshua Steich]

And did you. Did you just vote? A bunch of times, Stephen. You know, you just stood up. You created these.

[Stephen Acree]

Just voting over the years, like, we really competed to do that. And this last year we ended up like placing and we did nothing for it. I think we don't have to do anything to get this.

[David Camp]

It works.

[Joshua Steich]

Yeah, it's like, I don't know.

[Luke Acrey]

All the campaigns worked for you.

[Joshua Steich]

That's awesome.

[Luke Acrey]

And our special guest today is David Camp. David is the CEO and founder of Home Scout and head of [e-mail] with a deep industry knowledge and years of experience, including both small companies and Fortune 500 companies. His focus and expertise is on helping agents and lenders engage consumers, developing strategies to increase lead volume and conversion, and retaining portfolio clients using AI and data intelligence. David, welcome to Stay Paid. Thanks for being here.

[David Camp]

Glad you're. It's. It's my privilege to be able to be on with you guys today, so thank you for having me.

[Joshua Steich]

I'm excited to talk to you, man. You're also. We didn't mention it, but you're also a pastor of a church of 500 and growing. So I love that. I want to get into that a little bit because my dad's a pastor at workplace ministry. Something that's near and dear to my heart. Let's go start though, with you've been an executive in the industry, an entrepreneur in the real estate industry. You know what got you in to real estate? But can you tell us more about, like, what are you doing today exactly, for the industry?

[David Camp]

Yeah. So moving. I have been in the industry now for over two decades. You know, it was actually completely by chance that I ended up in the industry. I started my career as an industrial engineer and I ran quality Systems for jvc. And I met a gentleman by the name of Lloyd Denison during that time that as a young man he chose to mentor me. He left our company and he got involved in, quote, the Internet. And he was putting homes online for large real estate companies here in Atlanta. Companies like Harry Norman, ReMax, Greater Atlanta, Northside, some very large players in this market. His company grew quickly. He had 65% penetration in ReMax for broker agent websites and CRM. It was getting out of control. And he said, I need a process guy. And he called me on a Sunday afternoon. And in 1999 I decided to leave corporate America and moved into the world of online real estate. Been in it ever since.

[Joshua Steich]

What was the company at that time? What was that?

[David Camp]

Company services. We were then acquired by Fidelity National Financial. Fidelity was a great time for me. We were part of a publicly traded spin out called Finnis F in I s really got exposed to all things title, all things mortgage. And that's where my expertise developed around how do you triangulate title, mortgage and real estate? Leveraging technology. And I became an expert at that. And, and that has moved me throughout my career. And so today with realty.com you know, our focus is essentially building. We built a national real estate portal, but underneath that we have a real estate brokerage all 50 states. We aggregate about 95% of listing content. And our model is really based on helping drive lead volume and conversions into large teams and larger enterprise brokerages across the country. And then as a part of that supporting that, I do a lot of work on the home scout side around data analytics. So how do you append data, cleanse data, data hygiene, all of those things that give you greater insight into consumers and where they're at in their home buying journey. So that's, that's how I ended up and, and where I'm at today.

[Joshua Steich]

Nice. So we've been talking to you obviously about the data side because one of the things that we're trying to do with reminder media is make it more convenient for our clients to be able to pull MLS data? And then we have a likely to move algorithm that I think I shared with you that we talked about. Have you seen any success in the space with like I'm calling it and categorizing it Likely to move, but let's call it propensity to list or propensity to buy. Have you seen any, I'll call it magic sauce on how to look at data to try to get leads out of that data?

[David Camp]

We do, we, we Use a term called market of the moment. Right. As we know in real estate, especially at, at hyper local levels, there's always sort of shifts in opportunity. So you have a micro view, you drill down and understand the consumers in that marketplace. But in general today, what we are seeing around opportunity is we have a debt crisis, consumer debt crisis continues to expose itself. You have an increase in delinquencies around credit cards, auto loans. And so one of the momentums that we're seeing today is working with our agent partners on how to win listing opportunities. There are individuals that are in market that have high equity, but they're dealing with excessive debt. What are their options? And as a real estate professional, there are opportunities for you to engage and have conversations to help these individuals financially. They have equity. What, how do I move? What can I leverage my equity? Should I sell my home? Should I take a cash offer? So it creates conversation. And right now that's the greatest point of momentum that we actually have in the marketplace today is identifying those people that are debt stressed, burdened households. And how can the real estate professional help them move beyond the stress of that debt?

[Joshua Steich]

That's super interesting because it plays into what we're doing, Stephen, with absentee owners. Same concept, but you know that we don't have that data. Point of debt stress. Yeah. So you're, you're basically could tell us, David, here are all the people who own a property they don't live in that have debt stress.

[David Camp]

Yeah.

[Joshua Steich]

And we could sort our leads essentially that way. That's pretty amazing.

[David Camp]

Yeah, we use, we use a parameter called burdened household.

[Joshua Steich]

Okay.

[David Camp]

So we look at two things we typically can see. While you can't necessarily see credit scores, we monitor credit score ranges and shifts in those ranges. But in addition to that, a burden household typically is a household that's, you know, greater than 30% of their income is going toward the maintenance and the home ownership around. And so, so we're monitoring and you can sell that.

[Joshua Steich]

That's public data, that.

[David Camp]

Public data. Public data, yeah, yeah. And we've got formulas and algorithms that we create to give us that insight. But it creates a threshold that we call it a bird in household.

[Joshua Steich]

Okay.

[Stephen Acree]

Do you, what's the sales cycle like timeline wise for those kind of leads? Do you have any data on that?

[David Camp]

Yeah, it'll, it will vary. Right. Because you're dealing with some elements of that data may be public. So you, you're getting, you know, you're getting this data. Some, some elements are within a 30 day period to a six month, period. So you're. But we continue to stack that data so that we can look across the macro and the micro trends. And then our real estate agents that are using that data, we, we really encourage them to get out of a transactional mindset. You are developing your market and there's a difference. Going down a path of trying to chase a transaction is far different than being the market advisor and developing that market. So we teach them to look at the macro. What are the trends in the market, therefore, how does that change your voice? And so today their voice is I can help you with debt. And you need to be speaking into that on the front end of that trend so that the market that you're developing recognizes you as that expert that can help them contend with the problem at hand.

[Stephen Acree]

Yeah, that would be great for our retargeting.

[Joshua Steich]

That's what I was thinking too.

[David Camp]

Exactly. Right, yeah.

[Stephen Acree]

How do you retarget them with videos? Because people are going to listen to that if they're struggling. That's the pain point is the debt.

[David Camp]

Yep, exactly right.

[Joshua Steich]

Can you pull your mic up a little closer, Steve? Because your mic's a little far away. Sorry David, didn't mean to.

[David Camp]

And you can begin, you know, Steve, there to your point, that's where you can also begin to loop in your, you know, your lender partners, those either the wealth managers. Right. That can begin to speak, you know, you can bring other expertise as you're the voice for your market.

[Joshua Steich]

Right.

[David Camp]

And begin to speak. So, so that's kind of the market of the moment for us. But we're constantly monitoring where those opportunities might be because your voice will, will obviously change with the market conditions. And, and so that's, that's a really significant component of what we like to, to coach to or train to is you've got to be aware of the macro and the micro so that your voice is on, on point with where people are and you can get ahead of that. You can see those trends, get ahead of that. So that's what I mean by getting out of the mentality of just chasing a transaction. It's developing your marketplace.

[Stephen Acree]

How do you, how do you feed the micro to the real estate team? So like, I understand getting that data and how important the micro data is as opposed to the broad vision of the macro data.

[David Camp]

Yeah.

[Stephen Acree]

The problem always comes down to operationally how you feed that and get that to the agents. They can be on it, you know, because it's speed to lead. I think we go to, you know, big relationship oriented rather than Transactional, but we've got to get to them quickly when we receive the data. How do you, how do you manage that?

[David Camp]

So today what we're doing is one, you know, I want to be clear is that we have made the decision to be the data provider. So we're. And with that data we are then depending on the ability of that team and or real estate agent to leverage the tools that they have to be able to take advantage of the opportunity. So, so we, we are, we're not trying to come in and be the CRM of the day. We're trying to be the data provider. Now with that, we're basically appending that data every 30 days. So they're getting a fresh look every 30 days. And then each of them, candidly, each of them have some process or some formula that they are then using. And it includes, and I know you guys get this, but it includes like postcard campaigns. What are, you know, what's my formula for postcard campaigns? How do I drive people to proper content that's going to educate them. And everybody has a little different sequence. I think why you see us really gravitating toward teams is that we have found teams to actually be more sophisticated in their processes, consistent in their processes, and most of them already having the technology in place to support those marketing action plans.

[Joshua Steich]

So what I'm thinking, Stephen, we should try. This would be interesting, David, if we buy a list of that data, right. For our area, Lynchburg.

[David Camp]

Yeah.

[Joshua Steich]

And we basically, Stephen, if you partner because you have the mortgage company now, but maybe we get a financial advisor involved and we do a webinar and we invite them and go, do you have debts and want to learn how to use your house equity to pay off your debt? Attend this webinar. Now, I don't know the regulations around that and what we, we'd have to look into the compliance, but I think we could probably drive people to webinars and that would be a really high intent lead. Even then at the end of the webinar they can book a personal appointment with you or the financial advisor. And then if that worked, I bet you you could get the financial advisor to help chip in to run the ads to drive people to that webinar. And then postcards to me are a no brainer. Right? We're already doing that. Those ones are a no brainer. And then ultimately to think about this, Stephen, we take that data and we scan it across our sphere of influence.

[David Camp]

Yeah.

[Joshua Steich]

So we go sphere of influence. And now we know who in Our sphere of influence has a debt burden. Those people, we can reach out. We'd have to think about strategically how we do this without being offensive, but reach out and basically give them a equity review of where they're at and, and strategically put in our, you know, basically item of value to them. Hey, if you have ever thought about remodeling your kitchen or, you know, taking care of debt that you have.

[David Camp]

Yeah.

[Joshua Steich]

A lot of people don't realize that you can use the equity you have in your home, and it's a way to basically get in. And then, you know, you're. You're educating at the same time of figuring out, is there a potential list?

[David Camp]

Well, what will happen there? What happens there is this mentality today with a homeowner that, well, I've got a 3% interest rate, for example. Why would I want to refinance, perhaps? Well, yeah, it may move you to. To a six, you know, six and a quarter, six and three quarter interest rate, whatever, you know, 7% interest rate. But the aggregate could mean if you were to refinance, eliminate the debt, then you potentially could save $1,200 a month. Right. And you need an expert to help you walk through that particular process. And the consumers think, well, I've got 3%, I need to stay here while they continue to fight this burden of debt. And, and it'll pull out those opportunities.

[Joshua Steich]

Oh, yeah, that is a great angle. Yeah, that is great. Because you're paying 18% on your credit card. Yeah, that's a great.

[David Camp]

You're fighting that burden. And, you know, as the real estate professional, you're helping them move forward in their life.

[Joshua Steich]

Yeah, it's a, It's a value. It's a problem solver.

[David Camp]

It's a problem solves. Yeah. And that's what I mean by market development. You know, that's the. You can very much get in this transactional mentality and move away from the concept of I want to develop like in. In our market. For example, I'm in Atlanta. Most of you guys are familiar with. With a Mark Spain. And Mark did everything off of the cash offer. And he's. Even though there are other cash offer systems, Mark has developed the reputation in the market and speaks to that need. And that. And that's where we're trying to shift the mentality of the agents and the team leads that we're working with. What are you. How are you developing that marketplace today? And then we give them insight to get them to those people who have need and are most likely going to respond to that voice, like another little tidbit that I'll give you is not only do we see stress around credit stress around debt, but what we also notice because we track mortgage information with that is we, we notice that the people that have a VA loan or an FHA loan tend to be those individuals that also are grouped in the aggregate around having debt stress and, and decreasing credit scores. And so combining now, now I can look at the market and I could be a voice to this specific group. I've got a VA loan, I've got a declining credit score trend, and I've got, I've got equity, but I'm, I'm debt stressed. And, and so you, you know, you really get into identifying those people who have the greatest need in the market, which allows you to be much more efficient with your campaigns and where you choose to spend your time and money.

[Joshua Steich]

Have you ever looked. Oh, sorry, go ahead, Steve.

[Stephen Acree]

Well, I was just going to ask on that because, like, the key here is just the broad. How broad is this group? Because you're going to be putting a lot of effort into marketing and attention into marketing. So you have every percentage of people that are in a debt problem.

[Joshua Steich]

Great question.

[Stephen Acree]

Just because like, it, it has to.

[Joshua Steich]

Be a big group in order for.

[Stephen Acree]

You to put this kind of marketing campaign. Just like Mark Spain with a cash offer.

[David Camp]

Yeah, yeah. And, and so what we actually will do today when we go into a market and we're typically, we're often doing this around masterminds, but I'll go in and do a review for those people that are leading our team that leads the masterminds. But, you know, we typically will see north of 30% of people within a zip code have some debt stress today. With equity. With equity.

[Stephen Acree]

Wow.

[Joshua Steich]

Wow, that's. We should run Lynchburg and then report back, you know, and like share because we have the ability to test marketing campaigns because we, you know, have reminder media. So it's like we should report back and then, you know, say, okay, this is where we, what we saw. So we can then go, this is how we got the data from you, David. This is what we saw when we ran it. That would be a pretty cool case study to do for everybody because the cat, the cash offer is the new avm, like in my mind. And this is just a play on that because that, you see this with fellow. And what Ryan Young is doing there with that company and what we've done with the absentee owners that you had gotten from. I forget who you were listening to. Steven. That.

[Stephen Acree]

Yes. Early on something Moren.

[Joshua Steich]

Yeah. Did. But you know, it's a popular thing. Mark Spain, same thing. Right. Doing the same things. That. That's the new abm. And then I'm thinking what's so interesting, like you guys closed 25 deals in January. Stephen. But 10 of them were circle prospecting. Yeah. And you go, well this could make your circle prospecting that much more effective and refined. Because now you target in that area that you're going after first. The debt stressed people, you know, because.

[Stephen Acree]

You'Ll have to be good. So like you really could own the marketing side of things. But even if someone tried to compete with you, like it's going to be a very. You have to have an efficient process to be able to help provide that value proposition.

[David Camp]

Right.

[Stephen Acree]

Like if we do this, you really.

[Joshua Steich]

Probably need the financial advisor.

[David Camp]

Yeah.

[Joshua Steich]

Like you really are the financial planner, mortgage loan officer. You need the finance person. Both from probably a compliance standpoint and then also just legitimacy because you really have to help these people. Right. That's the whole goal.

[David Camp]

That's right. That's right. You've got to move them into the education component.

[Joshua Steich]

Yep, exactly. Because if you think like Dave Ramsey, his show so popular because there's so many people that are in debt and his baby step plan is so popular because there's so many people trying to go that route.

[David Camp]

Right.

[Joshua Steich]

And this just is a way to help people but using the real estate angle, which you're the expert of. Right. And it's. I love that. All right. So I could spend all day going deeper there. I wanted to ask you just one more on the almost other end of the spectrum which is do you have any thoughts data wise? It's okay if you don't on like the senior population. And have you guys ever looked at your data and gone here are the people with all the money.

[Luke Acrey]

Yes.

[Joshua Steich]

And we've seen correlations between what they have and where they're at in them moving. Because I just feel the senior market, if we can get some data on that. Because I. My realtor here in PA actually focuses on seniors, but he's also my realtor, but he's crushing it in the senior market.

[David Camp]

Yeah.

[Joshua Steich]

And I just feel there's such a niche there that I want to get Acre Brothers into and then other agents of my clients into.

[David Camp]

Yeah. And the way that we've approached that in the past and the way we approach it today, we do a lot of work around are there reverse mortgage prospects in the market. But what you really see when you run that series of data, it's the same sequence is you actually see individuals that are prepared for downsizing or one of the recent projects that we worked on was a particular client that's, that is building the 55 and older communities. And so we identified those consumers that fit a particular box, had equity, had been in their homes for a certain number of years, loan types, etc. And this particular builder had an entire program to transition them from their current home into the opportunity to build in this new 55 and older community.

[Joshua Steich]

Interesting.

[David Camp]

So those are, those, those insights are between reverse or 55 and older communities. Those are all the same data elements that you're typically pulling.

[Joshua Steich]

Okay, interesting. Yeah. Because what Brian and I are doing strategically, we're actually even going above that. We're targeting the 55 plus communities because those people are moving into the assistant living facility.

[Luke Acrey]

Yes.

[Joshua Steich]

And our angle has been partnering with the elder care attorney in the assisted living facilities to get the referrals. But we're trying to make a, we're trying to break in because it's the 55 plus communities where that's what feeds the assisted living facility in essence. And Brian can sell that home with, inside the, you know, 55 plus community or at least where we're at. And so it's like, I'm just thinking there's gotta be data out there that signifies this senior is about to make a move. Well, I just, I haven't pieced it together, you know what I mean? But it's a mixture of gotta be.

[David Camp]

Yeah, that's a good point. But there is a component to that. You know, when a consumer self identifies and they begin to part with email address, etc. And you know, there's mechanisms that then give you indication around intent. So you can also start to attach intent and you will see those people that are, not only do they have sort of the financial dynamics in place, but if they begin to opt into your content as they're contemplating and you, you can then attach their email address to an IP address that then allows you to ultimately start to see what their search intents are. You, you can begin to identify those people that come to the, you know, the, the, the surface that are more likely to move in that direction. So you compare my point there is you can pair intent with the, the financial dynamics that are in place.

[Joshua Steich]

Do you guys have database of like consumer data, like life events or okay, like credit card purchasing data or something like that?

[David Camp]

Exactly. Right. Yeah, we're, we're tracking intent. We, we are our kind of claim to fame is between the elements of our business. We can't. We. We chase consumer data that's available public property data, and then obviously we have MLS data. And when you combine those holistically, what's the view that it gives you? And now you can come at it from the standpoint point of a individual, the person or the property. What insight do you get if you look at activity related to the property or what insight do you get as you look at activity related to the property owner?

[Joshua Steich]

Okay. Yeah. Okay, go ahead, Luke. No, no, no, you're good.

[David Camp]

A lot of those techniques so that you, you know, a lot of those techniques and learnings for our background came out of our time at Mr. Cooper. You know, we. I was a part of a group, we sold a company to, to Mr. Cooper. That asset is now a part of. Of. Of a tech group they have there called zome. But we had a lot of learnings that came out of portfolio loan portfolio retention techniques. And what I've been trying to do since my time there is, is take those data elements and how do you apply them to the general population that gives you. Gives you better insight? Because, look, I've been in the lead game a long time and it's hard. And the only way you make it more effective and move the needle is you've got to append data.

[Joshua Steich]

Yes.

[David Camp]

And you've got to have hygiene processes in place if you're going to maximize the accumulation of the consumer data.

[Joshua Steich]

That's what we're trying to get to with reminder media right now. We have a lot going on in the background, tech wise.

[Luke Acrey]

Yeah.

[Joshua Steich]

That is. Essentially the lead comes in from Facebook or the lead comes in from your sphere. And we're about to show people all this extra data on their leads to try to give them as much ammunition. Yeah, ammunition. Essentially that's because.

[David Camp]

Yep. I'm in agreement. Yeah.

[Joshua Steich]

Yeah. That's what, that's what we're finding too, is that that helps you qualify there. It's very interesting because we know at a high level, at the, like the easy stuff is. Oh, if someone got divorced. If somebody, you know, divorced.

[Luke Acrey]

Degrees, right?

[Joshua Steich]

Yeah, degrees. Somebody is doing renovations on their home. Like, like all the things we all know common proceed. You know, you know, a person moving and stuff. There's this really cool. I've got a buddy who. Genius. He did it all based upon death. And he's more in the financial space. He helps some real estate agents, but he's crushing it right now in the financial space. And they Basically partnered with a company to get all the obituary data. And so they know the obituary knows that someone passed away even a lot of times before the government databases will tell you. And so he is like for speed to lead. Oh, Stephen passed away. Then he's, you know, essentially appending assets, asset data to Stephen. And then from there you now know, okay, there's assets, and he calls it asset or wealth in motion. Right, there's wealth in motion happening. So as a financial advisor or as a real estate agent, and we've tested some of his data. Remember that, Steve? I mean, it's great stuff, but it's the same concept. It's like taking a life event that happened. And because of that, you now have a strategy that you can implement to see if you can go be a value add to that person, you know, so, and.

[David Camp]

And that's where, again, that's a market need and it's very real. Like, you could extend that even further. I mean, Luke, you know my story. Having lost my wife, you know, over two and a half years ago, and, and suddenly and unexpectedly. And I, I today give a lot of time supporting young widowers. And so I, I'm a part of a ministry called Refuge Widowers. And we primarily work with widows or widowers who have lost their spouses and they're less than 50 years of age and they have kids in the home. Their needs are between financial advisor, between real estate decisions. Like, that's a market segment that even, that even extends beyond death. Right. You sort of have the death event, but now it's that individual that's having to contend with the financial stress. They don't know what to do. They don't know where to go. They don't know the best decisions to make. And as a real estate professional, you. If you have a heart for those people, you can walk that journey with them.

[Joshua Steich]

Yeah. That's amazing. I love that. Tell us a little bit more. I know we are coming to the end here, but I want to hear why are you a pastor at the same time you're doing the whole business thing and, you know, you have a church, it's 500. You saw it as a. This sounds kind of bad, but distressed asset. And you're like, hey, hey, I can help this, this church. But how long you've been doing that? Why did you get into that?

[David Camp]

Yeah, so, you know, originally, you know, when it, when it came to ministry, my heart was youth and music. So I spent Primarily the first 20, you know, from 18 to, you know, 40. I did a Ton of youth and music, worked a lot with fca. I played college baseball. So always very much into, you know, speaking into the life of athletes and things of that nature. So was heavily involved in youth ministry. But you know what I would say at the core, I just have always been about living a purpose life. I think, you know, we all chase some sort of meaning and purpose for our life, you know, and, and I, I remember I asked myself the question in college, had I been programmed or converted? And you know, I really came down to a decision. For me, I looked at the person of Christ and I said, even though I'm operating by faith and maybe when I'm dead and gone, it's all not exactly what I believe, but I said that's the person I want to be. And, and so I just have always wanted to live a purposeful life, giving back and making a difference in the lives of other people. And that's really what drove me. And my gifting has just always been around teaching and, and, and so, you know, I love to pour into people day in and day out. And even, you know what, I would say that when I lost Angela, you know, I resolve to be purposeful. I asked myself the question, is this going to, is this going to defeat, defeat me or am I going to grow from this experience? And it came down to a choice. And so I would say at the core I just have always been about living a purposeful life and not just existing on this earth. I have a great fear of just being a person that exists and goes through the motion and that's what drives me.

[Luke Acrey]

Yeah, that's very cool.

[Joshua Steich]

Yeah, super powerful. And again, sorry for, you know, the loss. I know that's been quite the, quite the journey, but what a powerful testament. I've never heard it said that way, but that is so good. Am I converted or programmed? Like, you know that, that is so true. And there's this journey I remember at. I mean Stephen, my brother remembers this too. Probably 16 years old, me just kind of, you know, because I grew up a pastor's kid.

[David Camp]

Yeah.

[Joshua Steich]

And just, you know, having to make that same type of decision and looking into all the, the different religions that are out there and it's just like, because you are naturally you're programmed because that's just how life is. You know, you grow up in your parents home and you do what you know is around you and what you're, what's nerd, what nurture is happening to you. And so then you eventually get to your own, you know, walk and understanding. Okay, why do I believe what I believe? That is really the, the key question that also ties. It's, it's a spiritual question, but it's really a business question too, because it all flows together. It's all connected. Right? It's not compartmentalized. It's all connected, but it's just like, why? Why do you exist?

[David Camp]

That's right.

[Joshua Steich]

Why do you exist? Exist? What's the purpose of your life? And that transcends down to what's the purpose of your business? And it's cliche to say, but it's the truth every successful person will tell you. Don't chase the accolades, don't chase the money, don't chase those things, chase the impact. And it's because they've all come to learn. What we've all come to learn with age is that those things fulfill a very fleeting fulfillment. And in the things you remember and you enjoy actually flows from something much bigger than that. And I've been challenging people lately to be like a six dimensional person. And I frame it in like the six Fs, which I think is, you know, essentially faith at the top. Family, friends, fitness, finance, and then fun.

[David Camp]

I love it.

[Joshua Steich]

It's like your hobbies, but it's like you should be a six dimensional person. But ultimately, the more I've thought about that, you know, teaching in a way of going, hey, how do you become a six dimensional person? Is with intentionality. And you have to have goals for each of those areas of your life. But ultimately all of it flows from faith. All of it flows from where have you decided to put your faith in for the meaning and purpose of your life? And from that, that will dictate what you do with your family, it will dictate what you do with your friends, will dictate what you do with your fitness and your finance, your fun. That is what ultimately happens from where purpose comes from. So just really, really powerful. That's going to stick with me. Converted or program? You're going to hear me say that a lot now.

[Luke Acrey]

Amen. Let's have the invitation all come down to the front.

[Joshua Steich]

Yeah. All of our backgrounds. Did you grow up in the church, David?

[David Camp]

I did, I did. And my late wife Angela was actually pastor's kid. And I met Angela, her dad came to the church that we attended to be the pastor. I met Angela when she was nine years old.

[Joshua Steich]

Wow.

[David Camp]

That's how long we, we had known each other.

[Joshua Steich]

That's like my wife and I, my wife grew up in the same church. My dad's church. Really? Yeah. Yep. I've known her forever. Yep. So grew up there in Virginia, but obviously I'm up in Philly.

[Luke Acrey]

Missions friends together. Did you guys have missions friends?

[Joshua Steich]

We did have mission friends in our church. In our church, yeah. Because I don't know if they still have it today because my dad's still the pastor there, but. Awanas. Did you. Did you go to aanas?

[Luke Acrey]

They had aana after I was older.

[David Camp]

Yeah.

[Joshua Steich]

After you. Yeah. I went through the whole Awanas. That which I. I appreciate that. That was good. Teach you that. I came full circle. I mean, for. I don't know. Have you listened to Wes Huff's and Joe Rogan's podcast?

[Luke Acrey]

I have.

[Joshua Steich]

You. You have D. Wes Huff. I'm just on this Wes Huff K kick for anybody. Oh, he's ever. But for anybody who feels they've been programmed and you want to actually go think about, you know, what you actually believe and what you think. Go check out Wes Huff. He's a great person to listen to. Him and William Lane Craig are kind of my go to people right now that I, I listen to a ton. But yeah, it's been interesting. So awesome, man. Love it. Great stuff.

[Luke Acrey]

David, before we do close out here, let people know how they connect with you.

[David Camp]

Yeah. So you can reach out to me. You can go to. I obviously go to realty.com and. And get connected with us, but in addition to that, you can reach out to me at D as in David Camp C-A M [e-mail]. so D camp realty.com and love to get connected with you guys further. And I really, really appreciate you having me today. This has been enjoyable.

[Luke Acrey]

So, yeah, we appreciate you coming on. Make sure to connect with David. Steven, how about you?

[Stephen Acree]

Yeah, can you guys hear me? Because I might.

[Luke Acrey]

Yeah, we can hear you.

[Joshua Steich]

Yeah, we can hear you.

[Stephen Acree]

But yeah, David, thank you so much, man. You're awesome. And you guys, I'd love for you guys to follow our journey. Follow us on Social, you know, Stephen Acrey and then Acre Brothers Instagram page.

[Luke Acrey]

Awesome. Thank you all. And thank you all so much for listening. You can get all of those links mentioned as well as the video and all of our episodes [e-mail] and if you enjoyed this episode and want to show your support, head on over to Apple Podcast or Spotify. Drop us a five star review. Do it on both. Go both places. It's free. It doesn't cost you anything. Really, really helps out the show.

[Joshua Steich]

It means A lot to us.

[Luke Acrey]

I was watching a YouTuber check us out on YouTube as well and he was talking about how like how much the thumbs up, how much the like on the YouTube video does for the algorithm. So if you do like the show and want to show your support, it's very easy to help out the show. You can also share this episode with somebody that you know. If you want to get hold of me or Luke, you can email us a podcast@reminder media.com and of course you can follow our journey as well. We are at Stay Paid podcast on Instagram for this episode of Stay Paid. I'm Joshua Stike.

[Joshua Steich]

And I'm Luke Acre. And guys, my action item for you today is to think about, you know, the data that you have, right? You first think about your sphere of influence that you all have access to and applying like the strategies that we talked about specifically. This debt strategy is really interesting. So I would have you guys go check out what David's doing over there because you can apply it there, but you can go deeper than that. You can, you know, go to looking at maybe these likely to move algorithms that are out there. You can look at this whole inheritance algorithm. We can put that link in there as well in the show notes. But what I really want you to do is think about your data and think about how do you actually know who these people are deeper than what you do today? Because you have their name, maybe their address, maybe their email address and phone number. But you can go partner with companies like David here to get more data so you can see the problems and pain points that your clients have so you can be of value to them. And ultimately this is a relationship based business and the way you build relationships with people is you have to have conversations with them and you have to provide value for them so they know like and trust you. So utilize the data to help you have those conversations. For any clients of Reminder Media that listen to this, you get likely to move for free in your account. So, you know, upload every name in your database, go see who's likely to move. Use that data as a reason to reach out. Remember, the difference between top producers and mediocre producers in every business is top producers take action, take action on that today.