A (2:36)

Awesome. So now you're selling some houses for people and doing it for yourself also, correct?

B (2:41)

Yep.

A (2:43)

So you're a firefighter who's selling houses. I was a cop who's selling houses.

B (2:46)

There you go.

A (2:46)

All of our. For the realtors out there listening to this, what's your thoughts on if it's good or bad to have a full time job while you're selling homes?

B (2:58)

So the answer to that, as long as, the real answer to that, as long as you don't do sell homes on your full time job, then it's okay.

A (3:06)

That's it. I felt like it was an advantage because when I started all my clients were cops. It's all the guys I'm working with every day. I'm talking about real estate all the time. They're getting interested in it now. I'm talking about a renting into owning and I'm helping them with house hacks backing. And that was really like kind of where the foundation came from. I got momentum and then it moved to their families. And then my circle saw that I was selling homes. So then I got to sell their houses and it kind of took off. Have you found a similar dynamic?

B (3:32)

Yeah, definitely. I mean, just like I read the fire department, there's so many guys that do side gigs all the time. There's a handful of real estate agents working in the fire department prior to me getting my license as well and kind of just saw like, hey, they didn't really take the right approach. So I kind of, that kind of opened me up a little bit more too to start really marketing myself a little bit better. And same thing like, hey, if it wasn't a firefighter helping out, it was their mom or their cousin or brother or something like that. It definitely opened up a lot more revenues. And then at the same time, when people hear it, you know, they're like, hey, we trust public safety. We trust guys that are firefighters. You know, let's trust this guy to sell her home or use him to buy a home or buy an investment. So it's definitely benefited me for sure.

A (4:20)

Yeah, you learn a lot More about real estate when you're working on it from that side, too. Like, my personal take is you should put yourself in any scenario where you need to be the person to come up with the answer or learn something to teach someone else. When you're a Realtor, you're doing this all the time. You always think you know more than you do, and then you start teaching it and you realize, oh, I don't really know that much at all. It's embarrassing how much I don't know. Then there's pressure on you to learn, and then your confidence grows and then you see things from a different perspective. So you get kind of a holistic approach. And overall your knowledge will grow with your confidence, or vice versa. When you're selling homes and you're working in the real estate industry in general, I like when investors get a job in the industry because I think we need more people working in the industry that also own real estate themselves, as opposed to just slick talking salespeople that don't know much. So thanks for doing that. And if you're listening to this and you're a Realtor, check out Real Talk Realtor, which we have come out once a month on the David Green show channel on Spotify or Apple. So go subscribe. There's. Okay, let's hear about this deal, particularly that you guys did. Did you guys get together and say, let's go looking for a deal, or did this cross one of your paths and you brought the other one in?

B (5:26)

Right. So being a real estate agent down here in South Florida and Jupiter, you know, sometimes deals come across my desk all the time. And this one came across. It was a previous client of mine wanting to get out of their house. And basically I said, hey, you know, we'll crunch some numbers. They figure out what they want to list it for. And I said, hey. I called Chris up and said, hey, this is a great deal for a rental. Let's act on it and jump on it before anybody else does. And I'll let him kind of talk about a little bit of the behind the scenes of it.

C (5:57)

Yeah, so, you know, I've been doing DSCR loans because my portfolio quickly grew past the. The. The, you know, what I could buy on my own. You know, just. Yeah, exactly. Doing conventional loans. So I had more experience with that. So Joey came to me and said, hey, listen, you know, I love doing this deal. I don't have the money. Like, you know, what do you think? I said, well, yeah, I said, let me run the numbers. Hey, we can do DSCR loan, you know, put in an LLC, we can start a partnership, split it 50, 50. And I was kind of explaining to him all the backstory as far as, like, how the mechanics of the deal would work. And then I had used a, I, I'd gone through a, a, a, a lending company, like a brokerage before. I won't mention the name. So I had a contact there. I reached out to them, they ran the numbers. I said, hey, yeah, based on, based on, based on the purchase price, based on what the estimated, estimated rents of the other property would be, this property would be able to qualify to do a DSCR loan. So we started going down the process providing documents, credit check, did the appraisal. Everything came out, everything came out great. And we were about 10 days away from closing. And then what turned out to be a roadblock that we hit was one of our sources of income. We were getting money from a cash out refinance. And then, and then, you know, they came back and said, hey, listen, we didn't catch this earlier, but one of the guidelines from our lenders saying that the money can't come from a cash out refinance. And then we said, hey, well, like, you know, that was our plan all along. Like, what can we do now? And they're like, hey, there's really nothing we can do for you right now. All we can do is we can, we can, you know, we can help expedite the appraisal transfer to the next lender. So small panic, you know, Joey's name's on the line. He, you know, his clients trusted him to sell the house. His broker trusted him that because he was buying it from one of their clients, that we close on time. What I did is, you know, what I should have done in the beginning. And not to toot your own horn, Dave, or anything, but you always say in your podcast, hey, give us a chance. Give the one brokerage a chance. We have a lot of relationships with a lot of lenders. Let us reach out and let us see if we can beat it. Didn't do that at the beginning. It was a Friday afternoon. I did the intake form and I got a hold of a gentleman, Ryan, one of the loan officers from one brokerage. Explain to him the whole process how it, you know, how it started, the hurdles that we ran into and kind of how close we were in a timeline. And he said, well, let me, you know, give me some time and then get back to you. I'll pause if you got any questions or if you want Me to keep going.

A (8:49)

David, that's really good. So just to make sure I understand, you, you had this lender, they said we could do it. They, in the process of approving your loan, they saw that your funds for the down payment of this deal were coming from the refinance of a different deal. Is that correct?

C (9:05)

They saw. I mean, I guess looking back at it, you know, we provided checking accounts, checking statements, IRA statements, and there was a gap as far as what was required, but it was communicated to them that we would get the rest of the cash through a cash out refinance from another deal. From one of Joey's properties? Yes.

A (9:30)

Okay. Okay. So you were short on the down payment, but you said, hey, we're going to refinance one of these deals. That's where the money is going to come from. And they said you can't use the money from a refinance for the down payment of this deal. Is that right?

C (9:45)

Actually, even worse, they didn't catch it until they had already pre approved us and we were getting close to actually closing the deal.

A (9:56)

Okay. Did they do the refinance of Joey's other property?

C (9:59)

No.

B (9:59)

Different company.

C (10:00)

Different company.

A (10:01)

Okay. Did they explain to you how they screwed that up? That's just my own curiosity.

C (10:08)

So, you know, you know, I've always taken the, I mean, at that point it didn't matter. Right. So what I, what I said to him to, to save the relationship was like, hey, that's my fault for not properly communicating to you explicitly where all the funds were going to come from. And I should have cleared it with them in, in the beginning that, hey, hey, you know, we're getting a small portion of the funds from a cash out refinance. So we decided just to take the blame and just, you know, continue to move the ball down the field.

A (10:45)

Folks, this is America's finest right here. This is American military. They're taking responsibility. They're not blaming anybody else. They are owning it and they're going to get the job done one way or another, whether they have to use a different resource, which ended up being us. So thank you for your service there, sir. That's very good to hear. I wish that the lending company had done the same thing though. So what I think happens when this goes on is most people don't know how the loan process works. The loan officer you're talking to is representing the loan source. Like that's what we mean when we say lender is the person giving the money. They don't find out until the underwriter for the lender says, yeah, we can't do that. This is a problem. Then they go to you guys and they go, hey, this is going to be a problem. We need to figure out a solution. But now you're like freaking knee deep in this thing. You're supposed to close in a week or so. You feel like your integrity is on the line and it's a bit of an issue. So this happens in lending more than people think, I guess, is what I'm getting at here, where the loan officers always tell you, oh, yes, of course, Mr. Vesci, we can do that for you. Oh, yeah, that's not going to be a problem. They don't know if it's going to be a problem or not. They just want to get the fish on the hook and then they're hoping that they can reel it in the boat. But from my vantage point, I see this happen a lot and that's why we have so many relationships with different lenders, because this is going to happen a certain percentage of the time. Being a brokerage, we can pivot to a different lender to still close the loan versus what we call direct lenders or retail lenders. They're basically lending the money for one money source. So like Chase bank or Wells Fargo. If that person says no, there's no other option, you're just stuck there. So thank you for the background there. I see where we got stuck. How did you come across Ryan? Did you just like think about this podcast and then look up the website or something?

C (12:32)

You know, it's funny finding alone sometimes, it's kind of like survival of the fittest where, you know, it's the hungriest person, the person that's going to reach out, especially doing like the DSCR loans that are non conventional. It's time, you know, you kind of have to be hungry and kind of figure out like, what's the best way that's going to work for you. And you know, like I said, knowing Joey's name was on the line, we had to act fast. And I remember you always saying, hey, give us a chance, give us a chance. So I went to the one brokerage I did, you know, you know, I did the intake form and then Ryan just cold called me based on what I submitted and then we were able to, to, you know, connect and then, and then, you know, get the ball rolling on the deal right away.

A (13:18)

All right, so you meet Ryan, you catch him up to speed on what's going on. You're looking for someone to come Save your bacon because the deal looks like you may be losing it and you guys are kind of embarrassed. Where does Ryan start, you guys?

C (13:31)

Okay, so when Ryan first reached out, you know, I was very optimistic and I was like, hey, Ryan, like, I'm basically going to give you a package and I just need you to put a bow on it and then close the deal in two weeks. So he's like, okay, well, that sounds nice, but like I said, to do all my due diligence, I have to review all the documents, so on, so forth. So that was Thursday afternoon. On Friday afternoon, he called back and said, hey, I reviewed everything. I'm confident that we can get this done. How, how quickly do you want it? You need to be closed. And I said, well, I think we're looking at like 10 business days. He's like, that's a little bit faster than what I'm used to, but, like, give me a chance to, you know, to work for you guys and we'll do the best we can. And then, so he had the weekend and then starting on Monday, we had constant communication. Probably two to three times a day. We were in a group chat with me, Ryan and his and his transaction coordinator as well as, as well as a email group as well. Continually, constantly checking in every day. Hey, what do you need? Hey, afternoon. In the afternoon. Hey, is there anything that you're waiting for on us? And then that process continued till about like seven days. Thank God. The previous lender was able to transfer over the appraisal efficiently and quickly. So that was easy. And then we're on business day, eight or nine, and Ryan gave us a call and said, hey, it's looking like we're going to get the green light today and then we'll be able to close on the tenth day.

A (15:06)

Wow, okay. Did he give you any of the details of what he was able to do to figure out how to get that income to count or did you like, I don't care as long as this thing gets done.

C (15:15)

Yeah. So, you know, that conversation happened early on and said, hey, Ryan, you know, this deal checked all the box. We had a higher than purchase price appraisal. The estimated rents came back. So the ratio on the DSCR was good. Our credit scores were well above average. The only problem with this deal is that the income, that part of the part of the cash that we were bringing to close that source of cash was not accepted by the last broker. Can you find a deal, find a loan that, find a lender that will accept that and then once he did his resurrection and then came back, said, hey, I found a lender. And by the way, his rate was about. The rate we got quoted was 7.25 before. I think he got us in at like 6.875. Yeah. So not only was he able to use the income, but it was a lower rate as well.

A (16:19)

So this was a blessing in disguise that the other deal didn't work.

B (16:22)

Definitely.

C (16:24)

We didn't deserve to get as lucky as we did.

A (16:27)

This is awesome. Okay, so I appreciate the backstory there. Let's hear about the actual deal. Can you guys tell me like what kind of property this is, how, how it crossed your path? What about it was appealing to you? Let's hear some of those details.

C (16:39)

Since Joe is the expert in the area, I'll let him, you know, talk about the deal itself.

B (16:45)

Yeah, definitely. So it was a townhouse in, in a development called Abacoa, which is in Jupiter. It's kind of like you probably like a 15, 20 year old area. There's a baseball stadium right there that has spring training. There's a lot of shops, restaurants. It's, it's a very desirable area to be in now. You know, great family area and everything. My, my real estate team does a ton of real estate transactions in there, from rentals to purchases. So when the deal came across, like I said, my desk, I just called him and like, hey, we gotta jump on this quickly. And that's what we ended up doing. But it's a four bedroom, three bath townhouse. It's got a built in sauna, completely upgraded in 2024. Everything's brand new from the AC to the brand new hurricane impact windows. The deal was just too good to be true.

A (17:41)

So is the sauna in the unit or is it like, okay, it's inside the unit. And is this going to be a short term rental?

B (17:49)

So it's, it's a annual rental for us right now. The first 10 that we did put in there was a short term rental at six months and back to kind of what, what Chris said. We just got so lucky. The sellers were like, hey, our furniture is brand new. We don't want to take it. Do you want it? And I was like, yeah, leave it in there.

A (18:09)

That's huge. I mean how much do you think you save right there? And not having to furnish it, it's.

B (18:13)

Crazy how much we saved.

C (18:15)

Yeah, probably between 10 and $20,000 to, to, to, to, to furnish the whole place, depending if we were to go on Marketplace and with a pickup truck around town or, you know, or go on wayfair.com or something like that.

A (18:27)

I mean, new furniture, I bet more than 20k. I'm shocked how much things cost when you go new. I mean, it's the point now. I was just talking about this on a podcast yesterday. Marketplace is like my favorite thing. I'm like constantly on there looking for, you know, you're trying to catch that person that's moving in two days and they're like, please come take this stuff.

B (18:46)

Yeah.

A (18:46)

And just where do I have, like, what house can I put this thing in? Because furniture is just crazy expensive. And now that medium term and short term rentals are so popular, there's a need for it. But furniture stores are charging a lot. And I'm not, I don't want to criticize what they charge. I don't know what expenses they have. They got staff they got to pay, and rent they got to pay. But, man, Marketplace is like one of the few good things we got going. TVs are cheaper every year and better. And Marketplace just keeps getting better. Everything else in the world is getting worse. But TVs and Marketplace, that's how we know God loves us right now.

C (19:20)

Yeah, TVs get, they get bigger and better every year.

A (19:23)

Only thing that we can say that about. I love it. I know. I'm like, man, I'll put a TV in a bathroom right now just because it's such a good deal. I just want to buy that TV for some reason. I think it's a man thing. I think women don't understand why we're like that. We don't understand why they want to put throw pillows and stuff. And like, it just doesn't make sense to me. Or rugs. And they can't understand why we want TV. TVs. I don't understand it myself, but I do get excited every time I see a big cheap tv.

C (19:49)

So. So, David, there was one caution on the property and that was it. You know, a lot of, you know, communities here in, in South Florida, I'm sure you're aware, is they have HOAs.

A (20:02)

Yeah.

C (20:03)

And we all know the dangers of, of HOAs. So it was one of those ones where, you know, it's a nominal monthly fee. They just ended up being around 300 bucks a month. And you don't really get much for it. They do the landscaping and they do like the common areas. There's like a pool in the area. But, you know, that, that did kind of give us some caution because, you know, knowing that they could Raise that at any time. Which would, which would, you know, cut, cut into our cash flow and our ROI every year.

A (20:36)

So did you guys discuss that? Like, how did you end up coming to the decision that you were okay with the hoa when normally that's a red?

B (20:44)

I think part of it being we had such a good deal on the home that we automatically just had bought an equity of the home right away. That was kind of like my safety net the whole time going into it. So even if they did, you know, and of course right now in South Florida with insurance and everything, HOAs are going up left and right. So that was kind of my one safety blanket, knowing that if the HOA did go up, we always had the equity in the home. We could always just turn around and flip it if we needed to.

A (21:12)

Chris, were you going to say something?

C (21:13)

Yeah, I was going to say, you know, doing the full analysis based on the area that was in the rental comps, as far as what, what we, what, what, what rent we could demand in that area. The instant equity, because we were, we were plus 50k. The difference between the purchase price and the appreciation. We thought that there was like, like, like Joey said, the advantages outweighed the disadvantages for us to push through, even though that we didn't have a good feeling about the HOA at the time.

A (21:45)

Yeah. So what do you guys get for rent right now?

C (21:49)

So we lucked out. You know, based on Joey's connections, we're able to get someone in there at 5,000amonth furnished rental on a, on a six month lease.

A (21:59)

And what do you think it would have been? Not furnished?

C (22:03)

Probably closer to 38.

B (22:05)

Yeah, 38. Four.

A (22:07)

Okay. That's actually a pretty big jump there. And then what was the purchase price?

C (22:12)

Purchase price was about, was 500,000.

A (22:16)

Okay, so you're at the 1% rule on a long term rental that you walked into with 50k equity.

C (22:24)

Like I said, we, we didn't deserve to be as lucky as we were on this deal.

A (22:29)

Yeah, Joe's gonna have some people calling him after this, after this podcast. They were gonna want one of those.

B (22:37)

The team I work on for real estate, where it's the Mario Lucas team, we were one of the biggest teams in Jupiter. The amount of people that call us for investments and wanting to sell deals, you know, we just got very lucky. I mean, it was good. It worked out for us.

A (22:52)

Well, I'm glad that this happened. Tell me something you guys learned on this deal maybe that you weren't expecting or a challenge that you faced that you didn't think of before you.

C (23:02)

Yeah, I mean, you know, one of the things that kind of. That was reaffirmed for me by this deal is the most important part of the whole, you know, of the whole process is finding the deal first. You know, once you find the deal, you know, like, we could have always raised money other ways. We could have brought in outside partners, we could have got creative financing. Like, we would have made it work, but we wouldn't have done all that unless the deal was such a home run.

B (23:30)

Yeah.

C (23:30)

So, you know, having, you know, you know, I'm lucky I have a brother that's in the industry here. So it's a constant, you know, constant flow of. Of deals coming across his desk. So just having that exposure and then having that deal, I think is, you know, it just reaffirmed that, like, that's the most important thing. And once you have that, the other pieces of the puzzle fall into place.

A (23:51)

Yeah. Joey, what do you think?

B (23:54)

Yeah, I mean, just kind of second on what he's saying. The finding the deal is always. Is always a start for me, too. Like, that's one thing I learned. And obviously, you know, back to the whole lender thing, you know, I. I had the money coming in, and for him, you know, for that company to deny it, that was kind of just one. One frustrating thing. You know, it was definitely a hurdle for us. But, you know, next time. I talk to lenders all the time for work, but when dealing for one for myself, just to kind of have a little bit better communication, like, make sure he's aware or they're aware. Exactly. Money's coming from. Yeah, because that could have killed the deal for us. It really could have.

A (24:36)

Well, in your defense, there are always going to be things that the buyer or the investor does not know that they need to know until after they realize they need to know it. So now, you know, hey, tell my lender where the money's coming from. But most people listening wouldn't have thought that they need to know that either. And I started off in this business. Obviously, we're educating people. And what I initially on my journey was like, okay, I got to tell everybody everything there is to know about everything. And then I realized, like, did you never get there? You just need to find the real estate agent that has seen so many deals that they are very resourceful for how they solve problems. You need to find the loan officer that has seen so many deals that when they hit this hurdle, that the normal person won't be able to anticipate they know how to get over it. The property manager that knows the tricks that the tenants are going to be using all the time, the contractor that has seen a lot, right? You want to avoid the inexperienced person or the smooth talking person or the slick person that has a good personality, but they just, they don't have experience, they don't have the reps in, so they don't know what to do. I learned the same thing when I was a cop. Like, you'd make fun of the old cops. Maybe they're not in as good a shape and they're older. And then something crazy happens. It doesn't happen every day. And you're like, oh, I'm so glad Gary's here. I never would have known what to do, man. But like, that freaking mustache maniac knew exactly what we needed to do. And that experience is worth quite a bit. And it's easy to forget about that when we get most of our exposure, real estate from social media, from YouTube, from some form of a glamorized version of what's happening. And you don't put enough value in the reps that somebody has seen over and over and over to know what to do. So I'm really glad we were able to bail you guys out and I'm really glad that you got this deal because these are. These are hard to come by. I mean, this had been a good deal when the market was good, or I mean, sorry, when deals were out there to get right now. I mean, there's hardly anybody getting deals at all.

C (26:31)

Yeah, no, exactly, David. I mean, so I had enough capital because, you know, I'm looking in at the MLS every day. And, you know, being in Tampa, it's a hot market as you know, so, you know, I was looking for my next property to purchase on my own. So like, you know, I was prepared, you know, to pull the trigger. And again, I just got really lucky or we got really lucky when this deal came across Joey's desk.

A (26:55)

Yeah. All right, so I'm a person. I'm listening to this podcast. I'm feeling a surge of encouragement. Hey, maybe I could do this also. I'm looking at my mls. Each of you give me a couple tips of even if they seem simple, what that person should be looking for in their MLS to hone in on to try to find where the deal is.

B (27:17)

I would say my number one tip is just location, like getting an area that has like the, the. A great location. You know, the. I look a lot of times like days on market for, for for rentals, if things are going quickly and they're in a great location, like it's almost, for me, it's kind of like a no brainer. Like that's where I want to invest in. Going back to that first one I got 10 years ago. Like it was in downtown, it was such a hot rental market. Like the location is everything for me. It really is.

A (27:45)

What about you, Chris?

C (27:47)

Yeah. So, you know, two things, you know, definitely location and you know, so there's the prime locations and then there's the primary and then the immediately alternate locations, you know, which are going to complement the primary location. So even though you may not be downtown, but hey, if you're only a quick five minute walk away, that's going to be a very desirable location for people to live in. And where people want to live in, people are going to, you know, the higher demand, the higher the rental price is going to be because that's people want to live. And you know, and then second is, you know, looking at the mls, and I know you've mentioned it before, is properties don't sell well that aren't photographed well. So not being afraid of, of listings that have bad, you know, photos out there and, and going to see that property because that may be the diamond in the rough, because that agent may have just thrown on there real quick because the seller wants to get rid of it. But like, you know, you just don't know. And until you ask or until you go walk the property.

A (28:51)

That's a solid point. You almost want to be afraid of the deals that get you excited. When you look at the pictures, if it's pretty, if you're like, oh, I want it and it stirs your emotions, it's doing the same thing to everybody else, right?

C (29:02)

Like all those ones that say, like premier listing, this and that, like, you know, everyone's eyes are going to be on it. The listings very, you know, the listing agent is going to be hiring the property. They're going to want a higher price. They're not going to want to negotiate. It's almost like, yeah, you know, we can compare it to dating, but probably not for the podcast as far as which listings or which girls to go after.

A (29:25)

No, I do this all the time, man. Go ahead, let it rip.

C (29:28)

Well, I mean, I'm just saying, you know, sometimes, you know, if every guy in the, if every guy in the bar is going after the same girl, your chances are of getting that girl. You know, unless you're doing backflips in the bar, you know, it just decreases. You know, you should go for the girl with the best personality who may.

A (29:47)

Not be, you know, not the most photographic. She didn't put all the effort into getting ready. That's exactly what I tell people.

C (29:53)

The one that you take home to your mother, that's the girl you want to go after. That's the property you want to go after.

A (29:58)

And even if she's getting all the attention, but she's not the best girl. Just the mere fact they're getting all that attention, they get a big ego, right? They believe that they're worthy of all that attention. They're going to treat you like crap because they think they're better than you. The literal same thing happens in real estate. You get a house that gets a lot of attention, really good pictures. It's a pretty house. That listing agent gets a really big ego. Those sellers are like, oh, I'm getting all these showings. Their eyes start getting big and their mind starts thinking, I'm getting 100k over ask. And you write a really solid offer and get treated like crap. Oh, that's not a big deal. I get offers like that every day. But you go to the same, or even a better quality woman that's not getting all the attention every day because she's not seeking it. She appreciates your offer, she appreciates your energy and your attention. It's. It's just the same in real estate. You get a really good house. It just isn't photographed as well, is not getting as many phone calls. They're going to treat you so good. They're going to hope you're at an offer. They're going to work with you, right? It's eerie how dating is so similar and yet we all still fall for the same thing, right? That's the pretty house on Zillow.

C (31:03)

It's.

A (31:04)

That's the guy that all the girl, the, the girl that all the guys are going for on Tinder or the dating apps or whatever, then you got no shot. And it's just going to break your heart. We got to understand the same thing is there in real estate. We got to like start a campaign for like pro ugly houses or something like that.

C (31:20)

Hey, you know, I mean, let. I mean, but, you know, but maybe not, you know, let's just let, let's let human nature take its course. And then the people that want to find the diamond in the rough and then, you know, find the deals, those are the ones that are, that are, that are rewarded.

A (31:36)

Oh, I see what you're saying. I Like this. You're kind of guarding the best girls. I don't want the other guys fighting my deals. Let them chase those girls. I'll keep looking for these ugly ones. All right, Chris. He's like, all right, David, let's not let the secret out. We want to be able to keep some deals available. That's awesome, guys. Joe, if people want to reach out to you, they want to buy a house. Tell me which areas of Florida you're working in and how they can get a hold of you.

B (31:58)

Yeah, definitely. I specialize in Jupiter, Palm Beach County, Martin county, everywhere from Boca Raton, basically up to Port St. Lucie. I work for the Mario Lucas team. Instagram or reach out to me on Instagram. Joe, underscore Veschi.

A (32:14)

There you go. Investri is V E S C E and folks, I can attest he's a very hard working realtor. We had to stop the podcast halfway through that he could let somebody in to see his listing and he did a great job explaining it. So rain or shine, it's literally dumping right over there. He's making the podcast, he's hosting open houses. He's working hard. This man will work for you just like he works for his community, saving cats from trees. Chris, how about you? Where can people find you?

C (32:41)

You know, like I said, you know, I just do this as a. As a side hustle, but if anybody wants to reach out to me, my Instagram is big. Veschi, same last name, V E S C E. And I'm always looking for new deals. Currently I'm in the Tampa St. Pete area. But yeah, I'm happy to connect with anyone that wants to connect.

A (33:06)

All right, guys, and shout out to Ryan Iskijka, former lapd, now one brokerage loan officer. Funny story here. Any of you that may know Lindsay Iskierika, who used to be my partner with the SoCal David Green team, that is Ryan's wife. And that is how I met Lindsay was actually through Ryan, who told me how amazing his wife was and how I needed to meet her. And I believed him because it's not every day that you hear a husband that brags about his wife as hard as Ryan did about his. So that was very impressive to me and he was not wrong. Lindsay is incredible and so was Ryan. Very glad that I get to work with the two of them and glad that I got to meet you guys as well. Well, folks, if you like today's show, please leave us a comment on YouTube or on Spotify. If you're listening. There Let us know what you think. Reach out to these two fine folks and tell them congratulations on finding a deal in today's market. And remember to like the episode and subscribe if you haven't already done so. Make sure you keep an eye out for the Real Talk Realtor segments and Mortgage Monday, which each air along with the David Green show every week. And I will see you guys all next week.