
Hosted by Justin Colby, Bleav, Justin Colby · EN

In this episode, I sat down with 10-year mortgage industry veteran Sal Rizzolo, Branch Manager at New American Funding, to unpack what's really happening on the front lines of lending right now. We talked about how AI is rapidly automating cookie-cutter loans — and how companies like Freedom Mortgage and Better Mortgage are already racing to cut human loan officers out of the equation. But instead of treating that as a death sentence, Sal breaks down exactly how he and his team are future-proofing themselves by mastering the 203K renovation loan — an FHA product that lets buyers purchase and renovate a home simultaneously with as little as 3.5% down. We dove deep into how this product creates supply in markets starved for inventory, how realtors can use it to close deals they would have otherwise lost, how homeowners can renovate without selling their low-rate mortgage, and why the most complex, human-intensive deals will always need a skilled loan officer who knows what no AI ever will. Sal Rizzolo Sal Rizzolo is a Branch Manager and Senior Loan Officer at New American Funding, based in Long Island, New York, with a growing presence in Florida. With over 10 years in the mortgage industry, Sal got his start after leaving a career as a hairdresser and was mentored by industry veteran Frank, who introduced him to the business and shaped his client-first philosophy. Over the past decade, Sal has built a reputation as one of the go-to specialists in renovation lending — particularly FHA 203K loans — becoming a pioneer of what he calls "ending renovation discrimination" in real estate markets. He operates across nearly all 50 states and is known for working with complex borrower profiles that other lenders pass on: lower credit scores, higher debt-to-income ratios, and buyers with limited down payments. Sal has hosted seminars for real estate agents throughout Long Island, converting educational events into lasting referral partnerships. He is NMLS licensed (#1489171) and is part of the Capo DiBug Team Northeast at New American Funding. Connect With Sal Rizzolo Instagram: @salrizzolo Instagram: instagram.com/salrizzolo LinkedIn: linkedin.com/in/sal-rizzolo-6802a7181 New American Funding Profile: newamericanfunding.com/mortgage-loans/SalRizzolo About Justin: Justin Colby is the host of The Entrepreneur DNA and The M.O.R.E Show podcasts and a best-selling author. He is a serial entrepreneur and a seasoned real estate investor with over 20 years of experience. Driven by a passion to help entrepreneurs thrive, Justin created the Entrepreneur DNA community to support business owners in building wealth, systems, and long-term freedom. Through his podcasts, books, education platforms, and hands-on mentorship, he continues to help entrepreneurs scale with clarity and confidence. Connect with Justin: Instagram: @thejustincolby YouTube: Justin Colby TikTok: @justincolbytsof LinkedIn: Justin Colby Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, I sit down with my guy Matt Porcaro — the founder of The 203K Way — who breaks down one of the most underutilized financing strategies in all of real estate: the FHA 203K renovation loan. Matt shares how he turned a $9,500 down payment into over $180,000 in equity in just eight months by purchasing a run-down Long Island duplex, wrapping the renovation costs directly into his mortgage, and living in one unit while the tenant in the other essentially covered his housing costs. We go deep on how this loan works for first-time buyers, existing homeowners who want to renovate without touching their cash, and even real estate agents who need a fresh edge in a slow inventory market. We also get into the exploding world of ADUs — accessory dwelling units — and how new FHA, Fannie Mae, and Freddie Mac guidelines are opening up virtually the entire single-family housing stock to house hackers who know where to look. If you've been sitting on the sidelines waiting for rates to drop or inventory to open up, this episode will completely change how you think about the opportunity in front of you right now. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

If you're looking to build passive income through multifamily real estate, Elevest Capital gives you access to exclusive apartment investments not available to the public. Non-accredited investors can participate with as little as $10,000. Get on the Investor List: lfscapital.com In this episode of The MORE Show, I sit down once again with my good friend and business partner Adam Williams, Founder and CEO of Elevest Capital, for a raw and real conversation about what it truly takes to build lasting wealth through real estate. I open up about one of the most painful chapters of my career — losing millions of dollars after scaling too fast, trusting the wrong person, and being too stubborn to pivot out of single family despite being warned by both Adam and Grant Cardone. Rather than wallow in it, I want this story to empower you: there are smarter, more scalable, and more tax-efficient ways to build wealth than grinding through fix-and-flip or single family rentals. Adam breaks down why right now is a once-in-a-cycle perfect storm for multifamily apartment investing — with properties trading at 30-40% discounts, organic rent growth returning, demand outpacing supply, and 100% bonus depreciation back on the table thanks to the One Big Beautiful Bill — and how through the MORE Club, everyday investors can get into $40M apartment deals with as little as $10,000, even without being accredited. This episode is about getting out of your own way, finding the right community, and taking real action toward financial freedom. About Justin: Justin Colby is the host of The Entrepreneur DNA and The Science of Flipping podcasts and a best-selling author. He is a serial entrepreneur with over and a seasoned real estate investor with over 20 years of experience. Driven by a passion to help entrepreneurs thrive, Justin created the Entrepreneur DNA community to support business owners in building wealth, systems, and long-term freedom. Through his podcasts, books, education platforms, and hands-on mentorship, he continues to help entrepreneurs scale with clarity and confidence. Connect with Justin: Instagram: @thejustincolby YouTube: Justin Colby TikTok: @justincolbytsof • • LinkedIn: Justin Colby Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Book a 30 min. consultation with Dr. Andrea: https://drandreawieland.youcanbook.me --- Get Dr. Andrea's Book: The Confident Performer: Rethinking Mental Performance for Athletes, Coaches and Parents https://www.amazon.com/s?k=The+Confident+Performer+Andrea+Wieland --- In this episode, I sit down with Dr. Andrea Wieland — an Olympic athlete, licensed psychologist, and elite performance coach — to unpack what it really takes to perform at the highest levels of sport, business, and life. Andrea shares her remarkable story of being cut from the US Olympic team eight times before finally making the 1994 World Cup roster and the 1996 Atlanta Olympic team, and we dig into the powerful mental frameworks she's developed through decades of working with NFL athletes, Fortune 500 executives, and Special Operations soldiers. We cover the critical difference between persistence and perseverance, why your goal must be bigger than your fear, the danger of tying your entire identity to a single role or achievement, and how the "Confident Performer" framework — built on a foundational pyramid of human-first identity, whole-person health habits, and elite mental skills — can transform the way you show up whether you're on the field or in the boardroom. If you've ever struggled with self-doubt, broken promises to yourself, or wondered what separates those who reach the top from those who quit, this conversation will challenge and inspire you in equal measure. --- About Dr Andrea Wieland: Dr. Andrea Wieland is a licensed psychologist, peak performance coach, author, and former Olympic athlete who competed in field hockey at the 1996 Atlanta Olympic Games — in her own hometown. She holds a PhD in Psychology and an MBA, and brings a rare combination of world-class athletic achievement and clinical expertise to her work. Andrea has coached NFL athletes, Fortune 500 C-suite executives, Special Operations military personnel, and high-performing teams across industries, helping them develop the mental skills, identity clarity, and synergistic confidence needed to excel under pressure. She is the founder of the Confident Performer Academy and the author of The Confident Performer: Rethinking Mental Performance for Athletes, Coaches and Parents. Her proprietary Confident Performer Framework — a three-tiered pyramid covering human-first identity, whole-person health habits, and elite mental skills — has helped clients at every level stop living on a wobbly foundation and build the resilience to bounce back from any setback. Website / Free 30-Min Consultation: www.drandreawieland.com LinkedIn: www.LINKEDIN/awielandphd Facebook: Andrea Wieland on Facebook --- About Justin: Justin Colby is the host of The Entrepreneur DNA and The Science of Flipping podcasts and a best-selling author. He is a serial entrepreneur with over and a seasoned real estate investor with over 20 years of experience. Driven by a passion to help entrepreneurs thrive, Justin created the Entrepreneur DNA community to support business owners in building wealth, systems, and long-term freedom. Through his podcasts, books, education platforms, and hands-on mentorship, he continues to help entrepreneurs scale with clarity and confidence. Connect with Justin: * Instagram: @thejustincolby * YouTube: Justin Colby * TikTok: @justincolbytsof * LinkedIn: Justin Colby Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this very first episode of The M.O.R.E. Show — which stands for Maximizing Opportunities in Real Estate — I'm sitting down with my business partner Adam Williams to share why I made the decision to walk away from The Science of Flipping after 13 years and thousands of episodes, and what we're building together with timeformore.com. Adam and I have a combined 40 years in real estate, and we've seen the market from every angle — flips, multifamily, commercial — and what we kept coming back to is a massive gap in the space: people have access to education, but almost nobody is actually taking them from learning to doing and closing real deals. That's exactly what the M.O.R.E. ecosystem is designed to fix, built on three pillars — the show, the M.O.R.E. Club (where members analyze, partner on, and do real deals with us), and live events where the most powerful connections actually happen. With the economic landscape shifting fast, AI displacing jobs, the mortgage qualification rate dropping from 75% to 28%, and the wealth gap widening by the day, Adam and I believe this is the most important time to get in the game — and we're here to help you do exactly that. 0:00 Cold open — what the M.O.R.E. community is built for 0:46 Justin officially introduces The M.O.R.E. Show and explains the pivot from The Science of Flipping 1:44 M.O.R.E. acronym revealed — Maximizing Opportunities in Real Estate 2:14 Adam tells the story of how he found Justin through his wife and hired him as a coach 5:02 40 combined years in real estate — the gap in the marketplace they're solving 7:10 Sponsor: LFS Capital — passive income through multifamily apartment investing 9:25 Breaking down Pillar 1 — The Show and what guests will look like 11:43 Adam on Justin's network and why these interviews will be different 13:10 Pillar 2 — The M.O.R.E. Club: deal analysis, community, and co-investing 14:25 How Justin partnered on 9 deals with Adam — the model for the club 15:42 The state of the economy and why now is the time to get in the game 16:36 Pillar 3 — M.O.R.E. Live events and why in-person is irreplaceable 19:01 Adam's story: raising $1M+ from a Grant Cardone event by sitting front row 20:27 The power of events — $2M invested from two strangers met at a 7,500-person stadium event 23:56 The growing affordability gap — mortgage qualification rate drops from 75% to 28% 24:50 Financial freedom doesn't look the same for everyone — Justin's vision for investors 26:13 You can't do it alone — why community is the #1 accelerator 28:02 Wrap-up and teaser for Part 2 — going deep into real deals, wins, and losses Want to go beyond listening? Join the M.O.R.E. Club at timeformore.com — a community built for real estate investors who are ready to analyze deals, partner with experienced operators, and start building real passive income. Whether you're a beginner or a seasoned investor, there's a place for you here. Visit timeformore.com to explore the show, the club, and upcoming live events. Want truly passive income from real estate — without managing tenants or dealing with repairs? LFS Capital gives accredited investors access to exclusive apartment deals that aren't available to the public. Get monthly cash flow distributions deposited straight to your bank account. Get on the investor list: https://www.lfscapital.com About Justin: Justin Colby is the host of The Entrepreneur DNA and The Science of Flipping podcasts and a best-selling author. He is a serial entrepreneur with over and a seasoned real estate investor with over 20 years of experience. Driven by a passion to help entrepreneurs thrive, Justin created the Entrepreneur DNA community to support business owners in building wealth, systems, and long-term freedom. Through his podcasts, books, education platforms, and hands-on mentorship, he continues to help entrepreneurs scale with clarity and confidence. Connect with Justin: Instagram: @thejustincolby YouTube: Justin Colby TikTok: @justincolbytsof LinkedIn: Justin Colby Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Ready to build wealth and make an impact? Learn more: www.RALAcademy.com — In this episode, I sat down with Isabelle Guarino—aka the Boss Lady of Senior Living—to pull back the curtain on one of the most under-talked-about wealth-building strategies out there: residential assisted living (RAL). If you’re like me, deep in the real estate game but never touched senior housing, this episode is going to blow your mind. Isabel breaks down how you can create $10K, $20K, even $40K/month cash flow with one single-family home—without being a caregiver or medical professional. We talk about the myth-busting behind ALFs, how to convert or acquire them, where the real money is, and how to do good while doing well. Whether you want to flip one or build a 50-home empire, Isabel shows you the path, step by step. I’m seriously reevaluating my own portfolio after this one. — About Isabelle: Isabelle Guarino is the CEO of RAL Academy, the nation’s leading training organization helping investors launch and scale Residential Assisted Living (RAL) homes. With thousands of students nationwide, she’s revolutionizing how real estate investors build cash flow while providing high-quality care to seniors. Isabel is carrying on her late father’s legacy by turning impact-driven real estate into generational wealth. Instagram: @ralacademy TikTok: @ralacademy Facebook: RALAcademy YouTube: Residential Assisted Living Academy Website: www.RALAcademy.com — About Justin: After investing in real estate for over 18 years and almost 3000 deals done, Justin has created a business that generates 7 figures in active income through wholesaling and fix and flipping as well as accumulating millions of dollars of rental properties including 5 apartment buildings, 50+ single family homes, and 1 storage facility Justins longevity in real estate is due to his ability to look around the corners, adapt to changing markets, perfecting Raising private capital, and focusing on lead generation which allows him to not just wholesale and fix & flip, but also accumulate wealth through long term holds. His success in real estate led him to start The Entrepreneur DNA podcast and The Science Of Flipping podcast and education company, and REI LIVE where he’s actively doing deals with members. He has coached and mentored thousands of aspiring and active investors over the last decade. Connect with Justin: Instagram: @thejustincolby YouTube: Justin Colby TikTok: @justincolbytsof LinkedIn: Justin Colby Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Today I sits down with cost segregation expert Jeff Hiatt to reveal a powerful tax-saving strategy every real estate investor should know. With over 25 years of experience and 25,000+ cost seg studies completed, Jeff has helped clients save billions by accelerating depreciation and keeping more cash in their pockets. We discuss how cost segregation works, who it benefits most, and how even small property owners can take advantage of it. From single-family homes to multi-unit apartments and commercial buildings, learn how this strategy can help you reduce or even eliminate your tax bill. Plus, Jeff explains bonus depreciation and offers insights for high-income earners looking to optimize tax savings through real estate. Connect with Jeff Hiatt: Instagram: @depreciationdoctor Facebook: @depreciationdoctor Website: costsegs.com About Justin: After investing in real estate for over 18 years and almost 3000 deals done, Justin has created a business that generates 7 figures in active income through wholesaling and fix and flipping as well as accumulating millions of dollars of rental properties including 5 apartment buildings, 50+ single family homes, and 1 storage facility Justins longevity in real estate is due to his ability to look around the corners, adapt to changing markets, perfecting Raising private capital, and focusing on lead generation which allows him to not just wholesale and fix & flip, but also accumulate wealth through long term holds. His success in real estate led him to start The Entrepreneur DNA podcast and The Science Of Flipping podcast and education company, and REI LIVE where he’s actively doing deals with members. He has coached and mentored thousands of aspiring and active investors over the last decade. Connect with Justin: Instagram: @thejustincolby YouTube: Justin Colby TikTok: @justincolbytsof LinkedIn: Justin Colby Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Want help turning your leads into deals? Check out Robin’s platform https://thelandpilot.com --- What if the deals you’ve been ignoring are actually your most profitable ones? In this episode of The Science of Flipping, I sit down with land investing expert Robin Seib to break down one of the most overlooked and scalable strategies in real estate today: land flipping. Robin went from burnout and running a construction company in Germany to building a U.S.-based land investing business that’s done over 1,300 deals and raised more than $12M in capital—all while operating virtually across the world. We dive into why land is a simpler, more scalable model than traditional real estate, how to evaluate deals, and how you can turn leads you’d normally pass on into serious profit. If you’re tired of dealing with contractors, tenants, and unpredictable timelines… this episode will change how you look at real estate. In this episode, we cover: - Why land investing is simpler (but not easy) - How to evaluate land deals (road access, flood zones, slope) - Turning “dead leads” into high-profit opportunities - How to structure deals with multiple lots - Creative strategies like owner financing - Why most investors overlook land (and why that’s an advantage) - How to build a remote real estate business --- Connect with Robin Seib: Bio: Robin Seib is a land investing expert and entrepreneur with over 14 years of experience. Originally from Germany, he built a virtual U.S.-based real estate business focused on land acquisitions and dispositions. After experiencing burnout in construction and house flipping, Robin shifted to land investing and has since completed over 1,300 deals and raised more than $12 million in capital. He specializes in rural acreage, infill lots, and helping investors unlock hidden opportunities in land. Website: https://thelandpilot.com Email: robinS@thelandpilot.com Facebook Group: Search “Land Pilot” on Facebook Want help turning your leads into deals? Check out Robin’s platform https://thelandpilot.com --- About Justin: Justin Colby is the host of The Entrepreneur DNA and The Science of Flipping podcasts and a best-selling author. He is a serial entrepreneur with over and a seasoned real estate investor with over 20 years of experience. Driven by a passion to help entrepreneurs thrive, Justin created the Entrepreneur DNA community to support business owners in building wealth, systems, and long-term freedom. Through his podcasts, books, education platforms, and hands-on mentorship, he continues to help entrepreneurs scale with clarity and confidence. Connect with Justin: * Instagram: @thejustincolby * YouTube: Justin Colby * TikTok: @justincolbytsof * LinkedIn: Justin Colby Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, I sit down with Mark Vincent Fansler, who went from carpenter to senior corporate executive, walked away from burnout, and built a vertically integrated commercial real estate empire operating across multiple states. We talk about the power of elite rooms, the vision he had at 17 that shaped his future, how one intentional conversation turned into a $120M opportunity, and why thinking bigger is the only way to win in business. This is a masterclass in community, commercial scale, and betting on yourself when no one else believes you deserve it. About Mark: Mark Vincent Fansler is a commercial mixed-use real estate developer and founder of the M Vincent Family of Companies, a vertically integrated real estate platform operating across multiple states. With over 40 years of experience, he specializes in large-scale mixed-use developments, creative capital structuring, and building real estate ecosystems that generate long-term wealth. Starting as a carpenter and rising to senior corporate leadership, Mark now leads multi-million-dollar commercial projects nationwide. Connect with Mark Vincent Fansler Website: https://mvincentassets.com LinkedIn: https://www.linkedin.com/in/markvincentfansler/ Facebook: https://www.facebook.com/mark.fansler.1/ About Justin: Justin Colby is the host of The Entrepreneur DNA and The Science of Flipping podcasts and a best-selling author. He is a serial entrepreneur with over and a seasoned real estate investor with over 20 years of experience. Driven by a passion to help entrepreneurs thrive, Justin created the Entrepreneur DNA community to support business owners in building wealth, systems, and long-term freedom. Through his podcasts, books, education platforms, and hands-on mentorship, he continues to help entrepreneurs scale with clarity and confidence. Connect with Justin: Instagram: @thejustincolby YouTube: Justin Colby TikTok: @justincolbytsof LinkedIn: Justin Colby Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, I sat down with Bobby Kough, a West Point grad, former Army football player, and real estate operator who’s done over a thousand deals and is now running a direct-to-seller business pushing 300 deals a year. We broke down the “clear and reload” mindset he learned through sports psychology at West Point and how that reset tool translates perfectly to real estate when you’re getting rejected nonstop or taking hits on deals. Bobby shared how he started during COVID, how a quick early win gave him confidence, how one ugly “dumpster fire” house taught him the hard way to build a tight buy box, and why going to work for a proven operator helped him shave years off his learning curve. We also got into what it really takes to scale across multiple markets, the marketing channels they’re using, why direct mail still works, and why leadership and people are the hardest part of building a real company. About Bobby: Bobby Kough is a real estate entrepreneur and operator who helps build and scale direct-to-seller home buying organizations in St. Louis, Little Rock, and Wichita. He played football at West Point, graduated in 2015, and commissioned as a Second Lieutenant in the U.S. Army. While serving, Bobby discovered BiggerPockets and began studying real estate in his spare time. He purchased his first property in 2018, saw early success, and used that momentum to start buying distressed homes. After completing several deals, Bobby made a major career pivot — walking away from an engineering path to become an acquisitions representative, where he learned the business from the ground up by sitting at kitchen tables with sellers. Since then, Bobby has partnered with operators to build full-scale organizations focused on sales, operations, and culture. Last year, his teams completed over 300 deals across multiple markets. Bobby is passionate about creating systems that serve sellers with integrity, developing strong leaders, and helping real estate teams grow sustainably while keeping people at the center of every transaction. Connect with BobbyInstagram: @bobbykough99 Podcast: The Knock Podcast About Justin: Justin Colby is the host of The Entrepreneur DNA and The Science of Flipping podcasts and a best-selling author. He is a serial entrepreneur with over and a seasoned real estate investor with over 20 years of experience. Driven by a passion to help entrepreneurs thrive, Justin created the Entrepreneur DNA community to support business owners in building wealth, systems, and long-term freedom. Through his podcasts, books, education platforms, and hands-on mentorship, he continues to help entrepreneurs scale with clarity and confidence. Connect with Justin: Instagram: @thejustincolby YouTube: Justin Colby TikTok: @justincolbytsof LinkedIn: Justin Colby Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.