How Angel Bought a 72-Unit Apartment Complex with Only $10K Down

And and I locked this deal, bro. I got it up. I got it locked up under contract So we started like 3.7 million. Did you have to put any internet's money down? We did we put 10 grand down Josh and I That's it. Yeah, bro. Just 10 grand. 10 grand. Crazy. Did it go hard from day one or was it was not hard? And we had a 90-day option period, bro Yeah, this guy was So I

would literally dissect my bank statements to see where I could save bro I'm to the point where I would not I wouldn't I would need out at restaurants very often and I was just saving everything, bro So the first move I ever made my first real estate play was You're making about six figures a year. So you were 20 years old when you bought 21. I was 21. I bought the pork licks You're 20 when you

bought the pork licks. Okay, so we're young. I was young, bro. Yeah And I caught on quickly that there's you'd rotors have a bad stigma, you know, everybody in their mom is a rotary Nobody likes rotaries. Yeah, it is what it is, you know And every place that I've worked at I've always been I guess just I've always tried to be a leader. I've always tried to do more than what's expected of me You know, you

do more than what the job description, you know says, right? I've always just been a go-getter. I guess you can say Welcome to another episode of pick up the phone podcasts. I am your host Josue Jana some the CEO of Vancom I have real estate and home services incorporate voice AI into their businesses Today's guest is angel Gonzalez angel Gonzalez. Thank you for being here, bro. No, thank you for having me brother It's a pleasure. Absolutely,

bro. So angel has a 15 million portfolio at 28 years old He owns and operates 335 units in south Texas He's building 15 homes a year and he's got a brokerage with 15 agents That launch went just last October. Yeah. Yeah, I went through a couple of months ago Yeah, I exited another company that I co-founded and and I just launched dollar equity real estate and because it was a duty You know a lot of the

people from that organization followed and I had I needed a place for them to go So I launched a brokerage also man. That's incredible. Just getting started there too. So it's stoked man I'm excited for that. Yeah, it's incredible. So you have I mean you have a serious a lot of serious accomplishments at such a young age man, so I think that You know a lot of people that are watching this or listening to this It

probably want to know how you got here, right? Yeah, what made angel Gonzalez who he is today. So yeah, man That's exactly what I want to get into Let's start at the beginning man. Where you from? Where'd you go to school everything bro? For sure bro. So I am from mission. Well, I was born in Rio Grande City Okay, so we're from from the RGB by the way. You're from the RGB team So we got that

in common shout out to the nine five six nine five six, baby Yeah, man. I was born in Rio Grande City, but I was raised most of my life in Mission, Texas So for those that don't know a mission account Edinburgh Gary is kind of like the metro area of the valley So I was raised in Mission, man. Um, yeah, bro. I mean, what can I say man from a very very young age? I had a

good upbringing. I'm not gonna say that we didn't live. Okay. I mean, you know lower middle class You could say we had a house back when everybody could buy a house 2007 2008 more or less around there before the before the big crash. I think it was right right? Um, yeah, man I mean, I was blessed it lived had a good upbringing man My parents have always instilled a lot of faith in me from a very

young age. So very very grateful for them and Hit a roof patch brother when I was about 10 11 years old more or less my dad went to prison and my dad Wasn't prison for a good while and that's when we really started to kind of Struggle you could say I really saw what it was like, you know to struggle. I watch my mom You know struggle to make ends meet bro. You know, I know what

it's like to get your light cut off your water shut off You know what I mean? I came up on welfare man food stamps At one point in time section 8. So I grew up and I'm very very grateful for all the different walks of life That you know God has you know put in my path just because I Grew up around a lot of people that I didn't want to be like man So I was

blessed in that way you could say yeah because I knew that I didn't want to you know I guess fall into the same footsteps or you know fall into the same path and then eventually you know Because it's kind of like I don't want to say but it's kind of like running the family like a lot of my sipping my older brother, bro Which is a big blessing in my life also. He helps me with our

organization with the construction side of things He did some prison time as well, man oddly enough. So when he was about 18 19 years old He went to prison for about five years. Wow. Yeah, man So he's my older brother, but at the same time, you know I give him a lot of guidance because he missed out bro in like five years of his life, but yeah very sharp guys super super smart So my dad was

in prison again whenever he came out. He went they took away his permanent residency It threw him back to Mexico and then I think before he got out my brother ended up going to prison as well So it ended up to be me and my mom. I have an older sister, bro I'm the youngest of three by the way. I didn't say that. Yeah, so I had an older sister - she's the oldest So by that

time she also went on about her way, bro You know, she was already moved out and whatnot. So for a long time, bro It's just me and my mom and again, you know that I think that lit a fire in me, bro, you know She was always there for me. She she showed me you know, she just was talking about how my parents enjoyed a lot of values in me, bro, so watching my mom, bro I

just knew you know, I saw what it was She showed me pretty much what hard work was, you know, resilience, bro Saving your money, you know, despite it being difficult to save your money living below your means delaying gratification pushing forward I mean, she she she just worked so hard, bro, you know, she worked multiple jobs at one point in time She's always been a teacher, but yeah, man I had my mom a lot, you know

because of what I saw growing up and my dad as well in different ways, right? Maybe not financially, but my dad has always been very Christ-driven and I feel like, you know, I I owe a lot of my I Guess that side of my life, you know, cuz I prioritize that a lot now very very heavily, you know My walk with God and my faith and it's because of my dad my pops, you know He's very

in tune with with scripture and he knows a lot is very wise So he gives me a lot of advice, right? So even though it was it was never really financial support It was always still you know communication and now it's a lot better than it was when I was younger We have a great relationship, you know, everybody's doing great now. My dad's obviously he's out of prison He lives in Mexico. My brother's out. He's doing

great. Everybody's crushing But yeah, man, I think that that that was a little bit about my life growing up, bro And and ever since I can tell by the I can tell by the pride in your voice like how Like how grateful you are about your you're upbringing, you know, because I feel like a lot of people angel Can easily take that story and and use it as an excuse for sure Right and to have a

victim mindset to say hey, you know, why me? Yeah, and so I think that You being able to be here today with all of your accomplishments is a story that will inspire a lot of people That's right, but more importantly, I think it, you know, it shows an opportunity Especially, you know, like I'm from down there, too, bro, man We both grew up with just not too many people who make it out not a lot of

people make it out, man And it's a it's a sad thing to see it's one of the poorest areas of the entire country So growing up I saw the same thing man And I used the same thing to motivate me as well to be able to get out of there And I think that's a testament to what can happen when there's you know when you have a will that's right man You make things happen. So I

agree amazing bro. It's amazing. So let's talk now You're upbringing when you said you had um, you know, you have a mentorship beyond blue collar I think I do man. Yeah, we'll talk about that later, but let's talk about like where where you started once you yeah You graduated college with so no man. I'm like, I'm actually a college dropout, bro. Nice. I did college for a little bit I went to a good high school, but

I was never really good at school, bro Well, it's not you go to I went to beta. It's business education and technology Academy It was like one of those schools that was like isn't a sherry or what? No, it's in Edinburgh Okay, so there's a school district in the valley that has like these different schools that are supposed to focus on specific things Right, like I've heard I don't know if you've heard of side tech or

medical academy. Oh, yeah It's that school district bro. It's called South Texas school system something like that I don't know the name right but I went to one that's called beta Which was supposed to be like a business one or something like that. Yeah, honestly I didn't really gain too much from it again I was never really you know into school, bro Not because I wasn't good at it because I've always been I mean not to

two modern horn or anything like that, right? But if I pay attention to something or if I you know set my mind as something I tend to be really good at it Or I get good at it, you know, so I was never good at school, bro I was always a C student barely making it by but because I didn't pay attention to school I was focused on other things from a very young age brother. I

think I've always been an entrepreneur I was a chip guy at school, bro, and I was in middle school. So funny enough I don't know how legal this is bro, but I would actually take my mom's food stamps She would there was a surplus because we didn't really you know I mean I was a little chubby back then right so I would eat but we didn't spend all the money we'd get, right? So my mom, you

know Just being the kind person she was she would let me her food stamps and I would buy I would go to the dollar tree Not by Gatorys and have a bunch of snacks and when I'd go flip them at school. Yeah again There's probably fucking totally illegal, but it's okay, you know, you had to do you had to do back then right of course So yeah, man, I've always always been an entrepreneur sold chips in

school My first job. I was 14 or 15 years old. I don't know if you ever do herbal life. Have you heard of herbal life? Yeah, yeah, so yeah, man, I saw their life bro So there was a way that you could you know work at a young age if your mom signed off on something or something like that So I started selling herbal life and then Started working all sorts of jobs, bro Which is again

why I'm really really blessed that I was you know that I had several different walks of life because I've worked retail Bro, I've had the shitty jobs. I've done, you know a lot of different things Yeah, so my first job after that real job was blockbuster video. Okay work the blockbuster video bro after that I think I got a gig at like lows home improvement. So I was I worked at lows in the lumber department I'm

in construction now bro. So yeah, you know the way things work full circle moment bro. It's crazy man Uh, and then I worked at pawn shops, bro So I always had again the entrepreneur background even though I kind of lost it a little bit around that range But it uh I gained that spark again when I was working in the pawn shops So um and every place that I've worked at I've always been I guess just

I've always tried to be a leader I've always tried to do more than what's expected of me. Yeah, um, you know do more than what the job description, you know says Right. I've always just been a go-getter. I guess you could say Um and we'll probably get into that when I get into a little bit of the blue car background Um, but yeah, man. I had manager positions eventually in every job that I've worked except for

lows actually But uh just because seniority there's people that have worked there for like 20 30 years. When was their first Blue collar job. Yeah, so I'm getting into that right now. So I worked at Uh at the pawn shop. I want to talk about this briefly. Yeah, so at the pawn shop, bro I was a manager. I had my own, you know key and everything. I opened my store and whatnot I had people that were

a lot older than me that worked that you know that I had to kind of it was kind of awkward telling people what to do At that point. Yeah, but anyways, uh what I started doing is flipping gold, bro So yeah, and the pawn shops man. What what happens is obviously people go and they pawn their jewelry And uh after a certain time of it being on the sales floor. It doesn't sell we got to scrap

it bro So we got to sell it to these people that we sell it to for pennies on a dollar like they sell it very very cheap 17 bucks a gram back then now gold is extremely expensive, but i'm talking you know 25 2015 2016 around right right and So I would get the gold bro that was on the sales floor that we were about to scrap And I'd sell it to myself even though i wasn't

supposed to I'd get permission though I'd have someone come in and buy the gold because these are fabricated pieces of jewelry Yeah, excuse me like nice jewelry chains necklaces big chains Rings or whatever it was so instead of scrapping it For the 17 dollars a gram that we would get it that we would that we were getting for when we saw it with the company I'd sell it to myself for 1750 18 bucks even though we

were taking a loss on it The company would rather you know make a little bit more than to scrap it So I'd get permission from like the regional manager And he would approve it and I would buy a bunch of gold, bro And I would turn around and go side at the pawn shop across the street for like 1850 19 bucks a gram So I was making like you know a little spread there. I was making

like a dollar 50 a gram a dollar a gram Even though it wasn't much across a couple thousand grams. I was making a little bit of money So ever since then bro, I started I was always wheeling and dealing bro trying to see what I could do to make a little bit of money You know a little bit of extra money Eventually I started flipping cars Well after the pawn shop, um, I noticed I realized because

I would see a lot of the guys, bro After when they'd get laid off and whatnot and the big-ass trucks I'd see them come in with big chains and and they were broke because they were blowing all their cash or blowing all their money Yeah, so I was always, you know, very mindful and I saw that but at the same time I would see man these guys have to be killing it and crushing it at least

for a couple months out of the year for them to be Have this livestock because I mean I was you know, homo beginnings. I had a little jetta I think it was at the time. I didn't have a lot of money, bro And I saw these guys and I knew they had money I knew they were gonna buy him because they were blowing all their money But I knew they were making money somehow. Yeah, so Something

clicked bro. My brother was getting out of prison at this time He didn't know what he was gonna do his life. I didn't know what I was gonna do and I'm very grateful for my dad also, man Because he was always even though again, I was saying if you're a real estate investor in Houston, Texas You need to listen up Andrew fought with renovo is the number one lender with ds er 30 year fixed loans He

can do one of four family Um, he can do five units plus he can do commercial anything you need Andrew fought is your number one source for long-term financing Right now his current rates are high fives to low sixes He's got a one to two points in origination and he can fund up to 75 Loan to value so he can refinance you cash you out Right out of that hard money loan that you have no problems

And he's a direct lender, which means that you don't have to go through any AMC bs right so what that means is they have an in-house appraiser No need to chase an appraiser to figure out how they do business Renovo has it all in house. They also have a in-house servicing company So anytime you need any help with tax forms Any help with servicing your loan? Andrew is one phone call or email way to help you

out. I'm a testament of this He has one of my long-term notes and it's always Smoothest pie to getting sort of documents that I need So Andrew's a relationship based lender meaning that if you're trying to figure out something with your loan He can help you through it guide you through it and set you up for success So if you're interested in a 30-year fix rate loan hit up my boy Andrew fought with Renovo His phone

number is two one. Oh four two five two one. I know if you're a wholesaler in Houston, Texas Case in Sullivan is the number one guy to get in your deal sold in as little as three days So case in Sullivan works for the number one buyer in all of Houston. Um, this is called new western It's a massive operation Um, they have 20 to 30 Dispo agents working around the clock to sell your deal as

soon as you get it All you need to do is if you have your deal call up case in Um, if you give him just two to three days if you give him property access he can get you any number on any deal Um, they have a full closing team. So you don't have to worry about escrow transaction coordination and illegal Uh, and that gives you less time selling the property and more time to source your

own deals And that's how you that's how you scale your company Um, case in Sullivan close 72 deals last year. So you know that this guy is the real deal and an actual operator Um, you can reach out to case in that 409 527 1115 shot some technical difficulties. Oh good all good So yeah, bro saying man, my dad got me my first gig My brother and I because we weren't really making it. I knew that

that wasn't gonna be the way because it's you know 3040 grand the year wasn't gonna make a dent even though I was you know doing a little bit of stuff on the side So I got my first job as a blue claw worker, bro out working in the pipeline and for those of you don't know what pipeline is It's pretty heavy work. Uh, we were laborers out there. We were making like 16 bucks an hour No

per diem and eventually we just worked our way up the ladder, you know through being in the industry We ended up getting uh, you know, uh networking or I guess um linking up with some guys that were electricians That got us another, you know a better gig as electricians where we were making a little bit more money in a refinery And then from there bro, I got into the wind industry somehow I don't remember exactly how

I think the same guy that got us as in as electricians at a refinery Uh, got us in in the wind turbines, bro So the renewable space and that's what i'm really, you know passionate about so I became an iron worker by trade Uh iron worker all that means is we were hanging iron man. We were building these turbines from the ground up, bro From the foundation and we were stacking and building these major components and

making the big wind turbines that you see off the expressway Yeah, so I started doing that man. I was crushing it. Uh, not once in my five-year journey Was I ever laid off? Yeah, and I think it's a testament to uh, you know I was sticking to my roots and and always doing more than what was expected of me and always just being a go-getter And a lot of people in the blue car space, bro, even

though they feel like people aren't watching people are watching man, so It's always good to just go, uh, um, you know Not above me. I guess you could say above and beyond. Right. Yeah, but anyways, bro Um, I did it strategically though. I spent five years of my life, you know traveling the country going all over the United States building these wind turbines And I saved all of my money, bro I was making already like six

figures a year and that's where you know everything that I have now Was born because I had a really really good foundation. So, um saving all my money, bro, making six figures a year Uh, everything's good. Yeah. Yeah. Okay. Cool. Saving all my money, bro, making six figures a year Um saving saving saving living below my means delaying gratification Even though and I I preach this all the time, bro, because people my age at the time

They're too concerned about what's the social media stuff, man? You know, uh validation trying to impress other people, you know, keeping up with the geniuses, you know, getting a new car right away Yeah, uh, you know, they want the nicest things and that's what people that's what sets people back And they don't even realize it, man, because a lot of this stuff adds up, right? So I would literally dissect my bank statements to see where I

could save, bro I mean to the point where I would not I wouldn't I would need out at restaurants very often And I was just saving everything, bro So the first move I ever made my first real estate play was I saw a youtube video, bro of house hacking So I don't know if people know how sacking is your house hacking is where you pretty much buy a property You live in one unit you rent the

others out and you live for free, right? That's kind of the concept behind house hacking you could say yeah So I bought a four plex back when they were affordable when they were 200 I bought it for 293,000 Uh now they're like half a million bucks and it's a rich man's game They don't make sense unless you you know buy them cash or give a fat down payment But I bought a four plex man, um, and

I was cash flowing from day one like a thousand dollars a month So, uh, you know after my debt service after my principal interest taxes and insurance I was making a little bit of extra money by running out the other units So I was an FHA loan so I had three and a half percent down I remember it was like $20,000 down that I gave up my savings and yeah, bro I never lived in the unit

oddly enough I was supposed to because it's FHA law but I had a roommate had a buddy live in it and he would kind of you know Just rent it from me. Yeah, uh and after that bro through the rest of my career in blue in the trades I was building a small portfolio along the way So this is when prices kind of started to skyrocket a little bit and four plexes to me didn't make any

more sense So I started picking up some single family houses, bro I bought three single family houses throughout my you know my journey like the last two or three years or so on the trades So I had a small little portfolio, bro seven doors Uh, and I was cash flowing a little bit Excuse me I was cash flowing a good amount of money just enough to where I could sustain myself and my personal lifestyle Yeah, my

mortgage was like a thousand bucks at this time. I already had a house My truck payment it was very minimal and I was making like 2,700 bucks a month And I had also some savings about six figures and savings. Yeah, and I knew real estate was what I wanted to do Let's uh, let's let's slow down or backtrack a little bit. Now we're going too fast So You are working in as a wind turbine guy, right?

You're doing, uh, you know, you're an iron man as straight iron worker Iron worker iron worker. Okay, so you're an iron worker At one point in your blue collar journey Did you start saving did you start? Stacking up the cash to be able to buy your first workplace. So day one, bro I I've always had a vision and I've always had you know that end goal and even though at the time I was sold on a

different vision the vision that I was sold on was Um having a magical cash flowing portfolio that would allow me to retire somewhere to do learn about it Uh youtube bro youtube and then eventually when I when I um, uh, bigger pockets Yeah, I was watching man. What's I forgot that guy's name? Um, but youtube bro to be to be yeah, it just was worried at the time. Um, I was like 18 19 at the time.

Uh, more or less. Yeah Cool We're live. Yeah, so you were talking about um, how you got into real estate. Yeah, man And so you were 18 19 years old at the time Yeah, and I watched bigger pockets and a few other youtube channels. I don't recall exactly the names, bro But that's where I discovered the art of you know house hacking and you know how you could Bank on the appreciation yada yada, but again bro

at this time I was sold on the idea of like building a magical cash flowing portfolio Right. Yeah, and and I had it all wrong bro. Yeah. What what do you say magical cash flowing portfolio? Because you always you always see on like instagram or facebook or whatever how like the idea is to buy rentals buy rentals So you can retire someday and yeah, and it works bro, but it's a long-term game Very long and what

I realized, you know through through this time that I was making these investments bro And I was getting literally dumping all my hard-earned money that would take me, you know It took me years to save Uh into these down payments brought to cash flow a couple hundred bucks a month. It's not life changing money, you know what I mean? So I yeah, I had all this property and I was asset rich not even rich But I

was I had a good a good amount of assets for my age But I was cash poor not not as realistically cash poor, right? But my lifestyle didn't change and it really wasn't making a dent. All right. It wasn't really doing much for me So when did you um How long did it take you to save up your capital to be able to buy your first steal your first property? Uh probably a good six months a

year something like that Because I mean I was also enjoying the fruits of my labor and I had my nice truck and whatnot But I wouldn't blow it. I was very intentional about all of my savings Yeah, so you're making about six figures a year. So you were 20 years old when you bought 21 How was 20 when I bought the foreplex? You were 20 when you bought the foreplex. Okay, so you were still young I

was young bro. Yeah, very good. Good. Good for you. Okay. So When did you buy your second property? Uh probably 21 something like that Maybe even a little bit maybe even while I was 20. Yeah, yeah, okay So when people don't I mean people probably do know this you know this since you're savvy, right is They they people were wondering how was that buying all this real estate? I'm getting loans and you're getting you're you're in

so much debt and this and that Well, people don't know is that if you get alone And you can prove to the bank that you're not paying for it and that your tenants paying for it It won't count against you and something that's called your debt-to-income ratio Yeah, and you can just go and replicate and qualify for another one and repeat. So that's what I was doing. Nice. Yeah, man So you got your first loan FHA

loan FHA and the rest were conventional just regular conventional 10 15 percent down Okay, never had to put 20 I did at one point actually. Yes. Okay. I had to put 20 percent down for one of them So your second property was what a foreplex also? No, no, they were single family houses a little houses, bro Little cookie carol. Oh, I see. Okay. Oh, I thought you bought your like a foreplex when you were about a

foreplex first That was my first investment. Okay, then after the foreplex. I bought three single family houses Why not in a portfolio? Why not go into more because foreplexes were already expensive and it wasn't penciling out And I didn't want to you know, I wasn't really like very wealthy or anything at the time So I didn't want to you know fork up these fat down payments because it wasn't the first time it made sense, bro Because

I you know three and a half percent down FHA of course, you know, I didn't need a lot of money I did need some very smart play I needed about 20 grand, right? But it's something compared to like a 20 percent down payment, right? You'd have to bring a hundred grams of the table exactly or 15 or whatever it was, right? Right. So yeah, man And then I took that leap of faith, bro I knew I

wanted to do real estate full time. I had a really good buddy of mine Who's been a big blessing in my life as well my ex-business partner Josh. I don't know if you've ever met Josh Josh Brown. Yeah, of course. Okay. There you go. Cool. Uh, yeah, man. He was doing this He comes from a really good upbringing His family, you know, has had a construction company for a long time So I've always knew of him

and we had friends in common We were more like acquaintances But when I was I told him about the investments that I had made because we would see each other every now and then And I knew that he had a real estate team and he was a realtor and he was he wasn't really too focused on the realtor So how did things he was more more so focused on the construction? But I became an agent and

I joined his team So I became a real estate agent funny story, bro I became an agent like in like in three weeks or like less or something like that really it was Yeah, I got my license and I was just laser focused and I was dedicating two hours a day Two hours in the morning and two hours at night. Right. So, um Towards the end of my blue color days. I was working in Corpus Christi.

I had a really good position Um, I had a company truck. I mean everything that you could ask for I was getting per diem and I was still driving home Um, so I lived I was working in Corpus Christi. I lived in a city called Kal Allen. Um lived there for about a year Now I was commuting bro every day back in four two hours and a half of there and two hours and a half back

Yeah, so I would literally wake up extra early to do my courses and whatnot And I would drive two and a half hours and then I'd work and I worked till about two three p.m Because I already had a good gig. I already had everything, you know Situated and whatnot and I'd drive back home and get home like at five six and then another two hours And I did that up until I had my license and

so I didn't just leave my nine and five Right like I did it strategically. So how do I really my real estate license? I started building up a pipeline You know through these different marketing channels. Oh, you know Uh at this point like 23, maybe 23 24 24 So I was 24. I was 24 and at this point now you have a quaplex and three single families. Correct. Yeah, man and then So I was I was

a realtor And I was I don't know exactly where because there was a lot of different marketing channels Like you know standard marketing channels that rotors use. Yeah, and I I caught on quickly that there's a realtor to have a bad stigma You know everybody and their mom is a realtor and nobody likes rotors. Yeah, it is what it is. You know, I'm a realtor right now Right. I mean, I don't practice real. You know a

real estate. I don't practice being a realtor full-time Um, but I have my license so and I recognize that hey, this is a bad stigma like people don't like rotors You know like agents. They feel like, you know, I don't know why right? I don't know what the reason reason behind this But I realized early on that that wasn't gonna be the way So I think we went to like a networking event bro in the valley

We went to like a little investor meetup or something like that because I was an investor I was an investor first before becoming a real estate agent Yeah, so I've always had that investor mindset and I went to this event bro and funny enough. He saw you Prieto It's a good buddy of ours. Yeah. Yeah, he was at the event bro And you know, you know, you know, he saw you bro. He's got like, you know

some swag Kind of a gangster you could say like cool cool guy bro You know shout out to him if he sees this and he I remember we were doing what we were doing bro We were kind of, you know, just trying to you know get deals slang and deals and just kind of make it work You know and we were making good money Um, but he said he comes up to us and you know, we

start, you know, networking with him And he's like I just made a hundred grand on this on this wholesale, you know that I just did It was an apartment complex this and that and then something dude I was like bro. What like what do you mean? Like, you know, my eyes lit up and I was like, what is this bro? What are you talking about? Yeah, and that's where I guess, you know, we started really really

diving deep into You know marketing bro and gorilla marketing, you know, we we tapped we learned the game of cold call We learned the game of bandit signs. We learned the game of PPC and this was a journey, bro This was like a four-year journey of course through my partnership with josh. Yeah, we grew a big company You know, one year we did like 1.2 gross million Uh, we had a team of like 18 people. I

was doing a lot of flips with josh We were taking on a bunch of flips because at this point we were cherry picking deals, right? We were just hey, we had a marketing if a deal made sense. We'd buy it ourselves. We take on it. Right. Um, so I'm gonna talk about something here too as well. Um, this is when I when something clicked in me And I was like man like this rental game that I've

been focusing on through these past five years Like the you know, I need to focus on active income strategies, which is what I teach now Maybe we'll get into if we've got time But I was super super focused on this this magical cast one portfolio when what I should have been focused on Is active income strategies, you know what I mean? Like fixing flips new construction, you know whole sale Like where you that would actually make

some good amount of money, you know what I mean And I started doing that bro and and I was an agent too So I had somewhat of an extra edge and advantage because I was doing a lot of net listings And I just became obsessed bro. I mean, I was you know, pick up the phone man I was that's it for I was banging the phones like I'm talking 10 12 hours a day. I'd lock myself

in the little room I think this was like the office that we had yeah something like this and I would just you know Lock in and dial away, bro. I got so good on the phone I was just refining my skill set sharpening that axe and just you know banging the phones bro all day every day I think in like six months, bro. I got like a hundred listings And I was just crushing under listings. Yeah.

Yeah, bro. I was just crushing bro and we were making good money, bro That was the way I also made a good amount of money. Yeah, but What what allowed me to have exponential growth is the same foreplex that I bought, bro Yeah, and I was 20 years old the market peaked. I don't know if you remember like pre-COVID-19 or something something like that. Yeah um the market peaked And everything was selling like really expensive. Yeah,

so had a decision to make I was kind of you know stuck in a predicament I was like man should I should I keep this long-term wealth cash flow appreciation yada yada or This is probably or realizing which I did realize that hey markets peaked This foreplex is is worth right now the most that it's ever going to be worth Yeah, and I was right and I thank god and I was very blessed that I made

the right decision and I sold that property Yeah, how did you see that bro? How'd you have that insight? Dude? I just I don't know bro something told me like hey This is not right. You know, there's like, you know, like bid words going on everywhere like this is gonna It didn't crash right. I mean people would consider it a crash. It just stabilized right but I knew that it was a peak And you know funny

enough bro. I went to an event. Yeah Um Space city or something like that some some event like some wholesaling event here or something like that And there was a big player there bro like big big player and at this time Which we'll get into had already gotten into the multi-family stuff and we had through my prospecting and I came across a fat deal Which I'll you know would change my life bro. Um, but um Lost

my turn it off for a second, but what I was saying is yeah I bumped into this some some big player. Mm-hmm. And this guy bro. He told me sell like he's like his markets peak like, you know So sell sell sell. I don't remember who it was bro But I knew he was a big player. I think he was like with Nick Perry or something like that Um, but he told me to sell and I

I listened bro. I sold and I bought it for 293 At that point in time. I had I wanted for four years. So I paid it down very aggressively So I owed like 240 or something like that. It's by you know by the time I was 24 years old And I sold it bro. I sold it for half a mill Wow, nice. And I cashed out, you know, I cashed out about a quarter million bucks Yeah

And I was still young bros like 24 years old or something like that Yeah And that allowed me to have a lot of growth because I was able to deploy capital that along with another about six figures that I had in savings And from the wheeling that the the dealing that I was doing on the other, you know, on everything else. It's a catalyst now Exactly. You have the recipe for success. Right. Exactly. Now you're liquid.

You have the equations Key you have the you have the capacity to be able to source deals deals that are attractive that are sexy That you're gonna be able to make a lot of money on that's right And then you're able to have the liquidity to go and do those deals. So that's right man You were in a great position. How old were you at the time 24 24 years old. I'm four years ago Must have

been life-changing there it was bro and and through my prospecting and what we were doing We came across a big deal 72 unit apartment complex. Yeah, talk to this old old cat bro probably on his way out Maybe he's still alive right now. I don't know. He was in his night. He's uh, mr. Grainer Wallace grainer I remember his name bro very, you know, of course. Yeah, of course Forget bro. Yeah first big multi-family deal. Yeah,

man. Dude me being the small fish that I was I had a couple of doors You know, I didn't I wasn't really you know doing anything big big at this I mean, maybe I guess I don't want to downplay what I was doing but Um, yeah, bro. Somehow bro. I started negotiating with this guy that just you know send him sent a millionaire easily Like this guy was just he was from Austin. He owned like a

bunch of strip centers a bunch of apartment complexes He used to have an airline at one point in time. This guy was just a big deal and wow He was talking to me, you know a little mexican kid from the valley bro somehow I was able to negotiate with him over the phone And and I locked this deal bro. I got it up. I got it locked up under contract So we started like 3.7 million Did

you have to put any interest money down? Dude, we did we put 10 grand down josh and I but so are yeah, bro Just 10 grand crazy that it go hard from day one or it was still was not hard and we had a 90 day option period bro Yeah, this guy was old I think he just read over it or something and it was one of those old school guys too, bro Because if it was

anybody else in the modern world Yeah, and they realized you know, they'd probably say fuck off and they'd probably keep our 10 grand and that's it But this guy bro was just like buy the book like you know One of those guys that if he put his you know pen to paper That's what it's gonna be and and he did he printed the contract he signed it You know with the signature and he scanned it sent

it back to us. Yeah, and he didn't back out He said hey, I just realized what I signed but I'm a man of my word and we're gonna do this like just old school bro Like straight like you know, it was it was crazy. Wow and dude I didn't not know how I was gonna buy this deal, bro By the way, which is something that I want to emphasize here is like you never want to play

small Um because like dude, I did not have three million dollars to buy this deal like that You know, I didn't know what I was gonna do I didn't know what but I knew at this point that I had a deal and then I figured out You know whether I'd wholesale it or something. Oh, it's a price per unit. Oh, uh, sorry 39,000 adore 39 39 day 39,000. What would you say the property was the class

B? I see BC BC. Yeah, but it was bones are healthy one story. Yeah Little foreplex buildings right in front of section 8 housing. It was a section 8 housing Piece of real estate. So it was like recession proof. You could say yeah occupancy was great Like the property was operating, bro. The only thing is this guy since he was so wealthy he Hadn't raised rents like in 20 years or some shit. Yeah, so he there's

people in that row paying like 100 bucks a month 150 bucks I swear, bro. I'm not lying and yeah, they had copay because of section 8 and whatnot But no literally some of these leases, bro I think one of them was like a hundred and sixty dollars a month. Wow So when the market called for 700 bucks having 50 800 and it's kind of like Uh, it's a shitty thing to do right because you just like

you could you could relate it to like gentrification or whatever it was But believe it or not, bro, these people are already getting assistance and inflation and everything else has already caught up So these people were just milking this guy like he didn't care. He and his eyes. He was giving back to the community Of course, which is cool. It's amazing. But also like these guys could definitely afford, you know These people even though they were

old people and whatnot. Yeah, like they could afford it, you know what I mean? It's not like we're gonna like we weren't increasing it like to two grand a month or something, you know, I'm running these people out And I say this because 90 percent of them stayed everybody stayed. Yeah, because they we give them a better sense of pride in their living space You know, we we made improvements for it. Yeah, we paid attention to

them. Yeah, we One of my, you know partners Adrian saw a star. I don't know if you know Adrian. Yeah, Adrian's a killer. He's a beast, bro So he had dinner together. Yes, right. Yeah, I'm tripping So he had uh, he has a management company Uh, and his management company was able to step in and do just uh, I command them for everything they do We turn the property around the properties worth like six million bucks,

bro Wow, and we hold it. We still have it. We have investors. So you bought it for three. Yeah, man How much you put into it? Uh, we put about 400 grand 500 grand. Okay, so we bought it for 2.825 2.825 mill so you're at put it for 50. Yeah, three point I think we have we we we reified and we got into some actual fixed terms long long-term note with uh, Freddie Mac I think so.

How did you buy it? Let's talk about this deal real quick. Sure. Yeah, man So did you buy it with um, hard money? Did you go? We bought it with hardly a bridge to fix loan, but it was hard money bridge loan. Yeah, what were your terms on it? Oh, I don't remember exactly, but we probably had like 10-11 percent interest rate or something like that. Um, How much did you have to bring to the table

to be able to buy it? We had a lot of equity, bro. So I don't even think we had to bring any money in but we had to raise capital I think the raise was like a million bucks and excuse my ignorance, but I was so green at the time I didn't know what was going on. So this is what I want to emphasize about this to roise I did not know what I was going to

do. Yeah, so what I did was I reached out to the right people to the people that we're doing things You know what I mean, which we broke bread. David tubing. Okay. Yeah, I didn't know of Adrian at the time I mean, but uh, because I just didn't even though despite we lived in the same area. I didn't know him Yeah, so I knew this guy named David tubing who's crushing it the guys bought in thousands

of units Uh, you know deck a millionaire extremely successful dude. I admire him a lot. He's one of my mentors Even though he doesn't know it. Yeah, but uh, so I reached out to David bro Uh on a cold DM instagram reached out to the guy And he I told him about the deal. I didn't know what I was even saying. I think I told him. I was like, yeah, man This deal. It's a 16 percent

cap rate. It's yada. Yada. And I didn't know what I was even saying Right. I just kind of like crunch numbers on like a google calculator or something like that And David underwrote the deal. He's like sounds like a sweet deal and then he left me like on red because I don't blame him He's really busy. I'm actually encountering a little bit of that myself to where I'm overwhelmed And I can't reach out to everybody that

dms me. Yeah, I have a setter and everything half the time It's not even me on there. Yeah, but um, so David man a big blessing in my life He was the reason that we were able to buy that deal So I was very persistent because even though he left me on red I knew that he had a community. So this is why it's important that sometimes you got to you know pay to play Yeah, buy

your sheet at the table And and I did you know we bought into his mentorship We hopped on a call with him on a zoom one of his weekly calls. We pitched the deal He fell in love with the deal. He brought all the money He brought the debt because he has the track record. He he PG'd the loan Uh, he still brought us on as we were all you know, even third partners in the deal

josh him and I And he yeah, bro. He brought investors to raise the capital. We closed the deal. We're riding it right now It's cash flowing investors are happy everybody's happy. We might be exiting here soon We've had it for about four years now. Yeah, so maybe you know here in the next year or so We might be if we can we'll probably sell it. Yeah, it's amazing, bro Yeah, what a great story. I think what's

really impactful about that is How you figure things out right and so like more importantly, I think that you just You didn't know what you were gonna do, right? But you decided to take a chance on yourself and say hey, you know what? I don't know what's gonna happen, but I'm gonna figure it out 100% right. I'm gonna get the money I'm gonna get the people. I'm gonna get the financing balls Well, I'm gonna figure it

out right and so you made it happen and it's always about finding the right people right That's right. I don't think you know in business especially. I think this is especially true in business Um, I don't think you should ever try to figure everything out, right? It's not about like let me figure it out It's about who can help me but who not how I don't know if you've read. Yeah. Yeah, who not? Yeah, of course

so so impactful because Any about just about any problem that you have in business can be solved by calling the right person Right, right. You got to do is pick up the phone 100% Funny funny story. I saw this on a on a picture I don't know if I zoomed you one time or maybe I went to your office or something But I saw this and I copied it and I ordered the same one on Amazon

It's a little smaller than it's blue. It's what's I got up on behind my desk, bro. I love it, bro I love it. I'm glad I was able to make an impact at some point and that yeah 100% bro And we have a we had a little quote up in our on our board at one point for a long time And that quote was one phone call can change your life beautiful and and dude I mean

where the directors are that yeah, bro that that deal made me a millionaire right on paper Right, but yeah, man 25 years old. Yeah kid like It's crazy, man. It's crazy to look back and think right right all glory to god No, absolutely bro. Absolutely. So what happens what happens next man? You buy this deal You're probably your time is consumed by this deal. You're still wheeling and dealing Yeah, we were having snacks. We were boots

on the ground you could say so we started renovations We were you know and what happens next is I still had a lot of work in capital Uh set aside because you know the foreplex that I sold and deals that I was doing so Uh, I started doing like a little bit of my own ventures because I had capital advisors and associates I co-founded that company with my business partner josh. We started to scale that business,

man Uh, we we paid to this point bro in my career. I've probably spent over six figures in mentorships I want to emphasize that yeah, you know josh tiffany. Hi carlos rayas and sau Um, austin ro the you know people that are you know doing it. Yeah, nick perry Yeah, we've paid you know to learn because you you know, we've Seaked all of the answer. Sorry. We've seek. Yeah, we've seek the answers to all of the

questions that we had and we found the answers So we scaled capital advisors, bro. We were flipping heavily. So I think I had built my first house already at this point So I had already tapped into new construction, but then we started focusing heavily on the flips, bro We flipped a lot of real estate. We flipped a lot of houses man. We were just doing deals bro. Just uh, and yeah, just doing deals and I guess

i'll jump into like how I kind of transition out of you if you if you'd like i don't know out of capital or whatnot or Yeah, whatever. This is totally your story man. So I mean, yeah, whatever you feel comfortable sharing Yeah, 100 percent man. So we we scaled capitalizing associates very successful company To date by the way, even though i'm not part of it anymore Um, and we did big things bro, you know, we we

showed that it was possible to you know, we could build something out of nothing and You know two guys in a vision, you know, we could do big things And at one point we had like 18 people on our team I mentioned that you know, we made like one of our biggest years. We did like 1.2 Which maybe is not very impressive to other people but a couple of 24 or 25 year old guys It's not

bad, you know, no, it's a lot of money. Yeah, man. Yeah by anyone standards. Absolutely. Yeah, I don't think you should downplay it all I know man. Yeah. Yeah, so uh, yeah, bro after this Um last year we came across an 81 unit apartment complex, which is a craziest story, man Uh, I mean, I don't know if we don't mind. I'll make it brief if anything if we do touch on it Yeah, let's talk about it.

Okay. Cool, bro. So yeah, we were doing a lot of deals I started building on my own a lot, you know, because I had my own working capital So I had my own ventures aside from being a co-founder of capital advisors um And we came across an 81 unit deal. I think I saw it like on google or something or I got an ad for it Or something that they were hosting an open house. Yeah, and

the broker was from houston I don't know what the broker's name was but uh broker was from houston. He said hey, we got this deal. It's gonna be auctioned out Um, well, if you got we're not having open house this day if you want to come see it So I scheduled it. I didn't think anything of it brought to be honest That's why i'm very grateful of the team that we had at the time. Uh, there's

a gentleman named erica strada Who's a part of my team now? Yeah, stellar equity real estate? Uh, you know, he has a vision bro big big vision. He's gonna do great things in his career And because of this erica, I mean, obviously I sourced the deal so I brought the deal to the table I said hey guys we should look into this like this is a slam dunk deal like if we could buy this somehow I

mean we already know the formula it wouldn't it'll make sense Uh, so at this point in time we were already, you know, I I didn't need Specifically a pg because I was already have a proven track record by this time. You know, I have liquidity. I understand that just the things Uh, I don't need any more handholding. I guess you could say right. Yeah, we qualify now, you know, first First and foremost, I guess, you know,

we qualify because we we have everything We have like, you know, the personal financial statement, you know, the liquidity we have the track record So I sources 81 unit deal I had a lot of my personal capital deployed because I had five builds going on at once So I had deployed I had bought this land cash for all these builds that I was doing Now i've implemented more of you know raising capital and i'm a little

more structured in that regard But um, so we obviously we couldn't this deal was bigger. It was an 81 unit apartment complex For 3.6 million bucks. There was like a platform fee. There was a Uh, I think the platform was like rei marketplace or something. I don't remember what it was called So, um, we started looking into it. We registered erica strata who works for us now He registered us to be able to buy the you

know to to bid for the deal And I think you had to have like a minimum amount in your bet you had to submit your bank account or something like that What do you mean you registered where so there's an online to bid? You have to register to bid So it was like an online auction type of purchase, right? Yeah, okay And online auction and with these platforms bro high stakes commercial deals like they don't play

Because it's large, you know big either investment firms or private equity firms that are buying these assets, you know So they don't play and um, we have to show them bank statements to be able to register for it And our operating account for capital advisors didn't really have much money in it So, uh, we photoshopped. Uh, I don't know that's that's probably a legal role But hey, it's part of the what we did brought it to

get registered for this to be able to bid on this thing man It's funny man, but uh, yeah, bro. We we it was my idea. I said, you know what we should I think just don't mention the platform I think you'll get it. I know all right. Yeah, all right. Uh, so it's my idea. We Uh, we we dropped it up that little bank statement or whatever. They approved us to be able to bid You had

to have like a minimum amount of I don't know. I think it was like a million bucks or something like that liquid Uh, so we we registered. We started bidding and I don't know if we were bidding against ourselves because I don't know I don't know when you're like on those things and like you're bidding live and stuff. It's fun to have a video bro on my phone Yeah, that says Um, I'll show it to you

after the pod and the video is like, hey guys. We're here. Wednesday. We're bidding on this in this big deal If we win this bid, um, I don't know how we're gonna do. I don't know how we're gonna buy it But we'll figure it out. Yeah, and then that's literally the video and we bought the deal Bro, we figured it out. So I need to do like a video on that like a real or something. You

guys ended up buying it We bought the deal bro. Um I want to give a shout out to Adrian saw sorry. We brought him on board as a partner Yeah, he's the one that sourced the capital that we needed to deploy because with those again high stakes commercial deals We had to wire half a million dollars bro. Wow and non refundable earnest money hard. They won. They want to think about that man That's it's crazy, you

know Um, and yeah, bro. We did it. We figured out we raised the money. Oh, bro. I think that uh I was down there in the valley when we had so we had dinner And I think you you mentioned it and then I was hanging out with Adrian afterwards And I think we were talking about that about yes, maybe like like 400 grand or something probably Yeah, you guys needed like all the liquid yeah cash and

fast and yes, you guys figured it out We figured it out bro. I think at last minute. I was I had to fork a little bit of it myself cash You know, and it's okay. Whatever whatever happened. We figured it out bro. So so What were the terms of the deal? How did you what was the world of numbers talking about the deal? Yeah, man So we bought it for um 3.7 million you could say all

in because there was a platform fee and whatnot So we bought it at about 46,000 per door because you're two bedroom two bathrooms unit. Yeah, uh, we're the big units They're on on fern off of a 10th street. Okay. Nice. Uh, and we're gonna dump a lot of money into the deal Um, you bought it hard money. We bought a hard money, bro We still have our money not so we're stabilizing now. We're undergoing stabilization We've

just about hit full cycle. We're almost good enough full full cycle. Sorry, but we're gonna refie into a long-term note How many parts you have on that deal just me josh and and adrian bro just us three Yeah, just us three and then we have investors that have some stake and erica strata ended up coming in on small stakeholder as well Yeah, uh, but yeah, man, just us three man That's incredible. We've got majority stake because

we raised it as debt which is also something I learned There's we won't get into the logistics of everything right but syndic indications, you know syndications. There's there's lp's there's gps there's um Um I mean, there's equity. I think a lot of people probably want to hear about all of this right here And what it all means. I think this is where it's important to to go deep in it. Okay, you know what I mean? Because

I think these are the this is the information that's not typically out there 100 So can we can we talk a little bit about all the structure and everything? That's right. We had set up a fund for that specific deal. So we had to reach out to an SEC attorney Uh, who's a joe rateser. He's our attorney from new york Uh, you had to pay somewhat of a five-figure fee to get your what's called a ppm

in place Your private placement memorandum and it's a disclosure for this fund that you're going to be structuring and it has all the specifications about the deal And you can either raise capital through through equity. So you can offer these investors that are contributing capital Uh, equity stake depending on how much capital they contribute and you can offer them like a preferred return until you know The the we hit, you know the refi and pay them

back out or the full cycle of the actual Good, sorry, but yeah until they actually hit the full cycle of the investment, right? So from acquisition to disposition and everything in between Right stabilizing it Raising the rans whatever we're going to do Um giving it a brand new face value Giving it a brand new face value. You're good. Um, and then exiting right? Right. So, uh, yeah We raised this capital as debt. So we got debt

partners involved and so not equity The difference correct. We didn't give up any equity. So that's very the only difference is like People are just contributing capital to get like a monthly return and that's what we did We got we gave it. We're giving monthly distributions So what does that look like like you contribute? Let's just say a hundred grand or 50 grand and we offer you a 10 percent, you know, cash on cash return Get

out and monthly distributions. So, I mean, I don't know what that pencils out to but let's just say it's um 120 grand Exactly 1,200 bucks. Oh, yeah, 1,000 bucks across 12 months. Sorry. Yeah, 1,000 bucks a month Right. So that's what we structured right now And the good thing is we bought this deal and it was sitting at like, um I mean shoot maybe 60 70 percent occupancy at the time So it was making money Just

enough to like sustain itself, but we've been having to get creative, bro I mean we were doing a lot of different things to be able to keep a flow and we've been making it happen, bro You know, we're operating man And I'm learning a lot, you know from Adrian my business partner because I got my I'm very diversified I guess you could say where I got construction going on and you know building homes And I'm doing

multifamily as a passive investment So I can write off some of this, you know, these capital gains. Yeah, so learning a lot man for my partner Um, but yeah, man, the deal is almost we had 17 units that were down So we're stepping in and we're remodeling the entire units the 17 units from the from everything But these got these units were like literally down to the stud. Wow. So, you know, brand E sheet rock, you

know Texture tape and flow kitchen cabinets, uh paint, you know trim everything doors, you know, everything So what were the numbers of the actual deal? How much did you buy it for 3.7 million? We're probably gonna be dumping about I'd say maybe about half a million bucks also into the deal Okay, and it's gonna 3.7 plus 5 4.2 more or less. Yeah, okay, so 3.7 you're uh you're having to Put 500k day one you raise the

capital for that right away. Well, how did you structure that just debt debt? Okay All right, and then when you buy it you buy it hard money. Did you have to raise any capital for that? Um, I believe we still had to raise Trying to think I don't recall precisely bro. Yeah, and then the fund. How did that work? Did you we structured the fund? With the SEC attorney joe rayter. We paid, you know, whatever we

had to pay 15 grand Through our personal sphere. It was a 506 B. I think fund Um, so through our personal sphere investors that we had that wanted to you know, we're looking for a good investment And that's pretty much it man a personal sphere of influence but people that we knew how much did you raise? Uh, the raise was also about um This is 250 255 it was also about a million bucks you could say

about a million bucks. Okay, and then with a million bucks you use it to basically pay for the Maybe any down payment correct. You've used that to pay for repairs. We already had you know the half a million that was You know what I mean in at the title company, right? So you did another half million pretty much Right. Yeah, and then what do you so what do you use that money for to be able to

like repair it? Correct. So one. No, no. No, so these loans that we get bro. It's uh rehab is included So you finance the acquisition and rehab construction cost so it's a draw process So as you make progress on construction you judge just like a construction loan you draw and as you're progressing they release funds Yeah, yeah, that's how it works. And it's an interest only Um loan, I believe so yeah, man. Got it. That's where

we're at. Got it. Got it. Cool. Cool. I um, I think that's a very interesting deal, man Dude, yeah, man. It's a whole world in and of itself. Yeah, I wish I was hyper focused on just that alone Um, right now. I'm just having you know my feet and little different things. I guess we're looking at another deal right now That one 35 unit I was telling you about so I want to the 200 units that

we own and operate down south Have you know, I'm not majority stakeholder, but I have a good chunk. Yeah, you just said that you bought another So yeah, man, somebody's from Mexico City Let's uh, let's talk about that. We're just gonna take a quick commercial break here from sponsors Guys if you're doing business in houston And you don't have a great title company. I highly recommend you guys to use natalie mario with black label title They

were awarded the best title company in 2026 by houston latino magazine Um, but I think what's truly impactful of working with natalie is that her title company can do pass through funding for a to b closings If you're an investor, this is very important to you because It means that you don't you don't need to have your own funds to be able to Finance and a to be closing on a double close you can use the

funds from the c to b to fund a to b transaction You don't understand what that means reach out to natalie. She can explain it all to you more importantly You can make a very big assignment fee without your buyer or your seller finding out what that fee is So it's a great opportunity to get with a Investor friendly to our company. They also do blind huts assignments, novations subject to wraps um and so they close

in all texas counties, right? So they they can do e-signing, you know that you don't even have to have a closing in the title company, right? They do ce classes Um, listen guys if you're wholesaling or you're investing in texas, you need to call natalie mario with black label title and The link for natalie is going to be in the show notes. So the number for natalie mario is 936 442-8486 make sure you mentioned hoshoyanas with

pick up the phone podcast If you're a real estate investor and you were in the united states and you're listening up Gethardmoney.com is a free platform for real estate investors. You can find local hard money Connect with the lender directly request term sheets and chat all in one single place What i really like about the website is that they have free tools. They have built-in a i-comping They can they have flip property calculators. They have cash-to-close

calculators Everything's 100 free. You don't even need to sign up to be able to use their calculators Which i find extremely useful whenever i'm running numbers on a property Um, so it's going to be free all the time no cost ever So if you're investing and you need a lender connections or you need deal analysis tools, it's uh, it's a no-brainer, right? It's a no-brainer sign up. So the way to sign up is you go to

gethardmoney.com and the link is going to be in the show notes And we're back. So, um, you had some this deal 135 units 135 units man. Um adrian also Um, very good for adrian as well. He brought this deal to the table to me Some guys from mexico city needed a spawn. They needed somebody to PG alone because they're not citizens So I stepped in listening to this. What does PG mean personally guarantee? So you put

your name on the loan pretty much So some go south something happens. They're gonna come after you. I guess i could say, you know, right depending on on what kind of loan you have if it's like Uh, there's a term that's called the recourse or non-recourse. Yeah, and depending on what it is It dictates if whatever they can come after you and your assets or whatever, right? I won't get too deep into that, but you just

personally guarantee it. Yeah, so you have to have, you know, the net worth They they look into your credit your history your track record And they needed somebody that was qualified to be able to sign off on their loan because they're from mexico city and they needed a citizen Yeah, so they gave me an acquisition fee. They gave me some stake. So now I technically own another 135 units down south bro So that brought my portfolio

up to about 335. That's incredible. Very blessed bro. Yeah, man very grateful And it's huge, you know, it's a blessing. Yeah your first So you went from just to kind of backtrack a little bit. Yeah, man. You went from owning a quop licks to buying three units Yep to buying 72. Yeah, right. So you're at 72 plus 4 About 80 whatever. Yeah, all right. You're at 80 and then you buy And so you're sitting at 80

Did you start buying more where you like we're doing a lot of flips bros? We had like 10 flips going on at a time or something like that So I was like other like 10 doors you could say yeah, and then and then you add on the 80 unit apartment complex 81 unit. Yeah, that brings you up to around 160 And then you try how did you get to once from 160 to 220 or something or

yeah? Yeah, so So we got the 72 unit and we had like about 10 flips And then I own some other houses and a little bit more real estate right now Yeah, and then the 81 unit and then amongst everything like the totality of everything I guess you could say So I also have eight houses on the ground that i'm building Well, nine now. Sorry nine houses on the ground that i'm building and then this 135

So that's what was able to get us up to around that ballpark 335. Yeah, it's incredible. That's you're doing a lot, man Thank you, bro. Yeah, it must be very busy. Dude. Yeah, it's a little bit overwhelming bro But I think I operate well under pressure. Yeah, um and I tried to not worry too too much about things that I can't control Yeah more so focused on things that I can control And yeah, man I think

I just you know that that's how i'm able to operate man because it is a little bit overwhelming Yeah, and don't get me wrong bro. There's not no perfection whatsoever, man Right people have this, you know idea that, you know, you got to have it all figured out And that's where analysis process comes into play right because a lot of people you know They think that they have to have everything figured out before they actually get

started right but I mean It's not at all how it goes. It's more so like hey, you take action you execute and you figure it out along the way And even then nobody has it all figured out. I don't have it fucking all figured out at all Right despite where people might think I am like, you know, bro. Not at all. Yeah Um, but yeah, man shoot. Yeah, well, what else brother would you that's incredible man.

That's incredible congrats. That's off to you, bro Thank you, man. So you're um You're also doing in in how you operate everything. I'm sure you have people in place I do to be able to get it all done right because there's only so much that you can do in any sort of venture That's right. Yeah, without having just I mean you only have so much time of the day Right, so you gotta have like the right

leaders and in every position. I'm sure you have a leader in your brokerage now, right? Correct. Yeah. Well, I'm barely so I just launched in october So we had everything structured and situated in capital advisors and associates, right? I exited that company. So I'm starting from square one. I'm starting fresh But I'm already, you know, structuring everything to where it's effective and it's efficient, right? Have an older brother. We launched a home improvement division to our

construction company So my older brothers, you know taking care of that and so you just partnered are you partners up in like every rev share? You could say yeah, no, not equity yet. I mean, I got to see where things how things play out But it's rev share there where he's and I'm not even Like we're not it's like a 50/50 rev share type situation Then I have a project manager for my new construction stuff just

one project manager. That's it. Yeah, and it's me. How do you pay him? Uh, we structure he gets a certain percentage of the construction budget and then he gets bonuses depending on the the time frame. So we finish, you know earlier if he hits a good Threshold as far as if we're able to excuse me if we're able to save some money on the construction So he gets paid that way and he gets paid in phases

of construction. So Cross eight nine projects. He makes good money. Yeah, I mean, yeah, yeah, yeah, yeah, man But that's how I pay him and then he also has a base salary every month that I pay him Correct man. Then eric style is helping me a lot on the brokerage side of things Which I'm still developing broke is I just you can have some sort of rough share with him too Exactly man. And then beyond the

blue color, bro. We haven't even touched on that. So we'll touch that here in the base in a little bit so what about in the In the multifamily who yeah, so I'm sure you don't have to be there correct because we outsourced the management So we don't have to worry about nothing. So yeah We have a management company that gets a percentage of our revenue every month Yeah, and they take care of everything bro. Like everything

you have to worry about a dime So I think I think what's really important right here to just like stop by and and uh point something out is the importance of delegating Right. Yeah, and understanding that you know while angel is doing a lot of stuff, right? He's doing a shit ton of work, right? He's not doing it by himself and he's got the right people in the right seat So I think it's truly important to

be able to Ask your scaling and as you're growing to deploy people in the right seats that are going to take care of certain activities So you don't have to worry about those things right? You can focus on growing right your your job as a CEO is to always focus on growth Right. Yeah, how do I make this thing grow right? That's that's what's your that's your primary role And I think you're doing a great job

of it. Thank you man and and having the right people will Set you free so you can go venture into not I mean you're even thinking about doing uh homes in houston now too, right? Yeah, man. I tapped into this market. I came here for a week because my wife was in town Um, we had to come to town. Sorry because of my wife. She's gonna be launching a meds ball Yeah, so that's gonna be another

I mean I'm the business. I guess savvy guy behind everything So, uh, of course, she's gonna take on most of the the day-to-day the day-to-day you could say but yeah I'm still gonna be here for support, you know So because if she came here to do a direct mentorship with someone that's very successful in that space Uh, you know, I was here for a week and I I was here with a another, you know Guy that's

in my circle in south texas, which is raul Uh, very successful builder down there also young guy Uh, I bumped into him here. We connected with some contractors and man There's a lot of opportunity bro. So I might be something to consider man I want to highlight something though bro. Uh, I don't know if you remember this bro But a long time ago, um, I was with you. I think we were here in houston Yeah, and

we were in your tesla and I was showing you Uh, a little bit of the ops that I had going on, right? And it was nothing near to like everything that you that you had because you already had your own podium build out You had everything like it was badass, but when I saw it, I was like, man This is insane. Like this is so cool. Like everything's automated Like you have all the right people in

play and we were like barely even I was nowhere near where you were at the level and and and and I want to you know Just highlight that bro because at that point in time I really admired that and how you had everything, you know, structured. Yeah, and I was like this is what we need to be doing This is what I need to be doing like, you know, I'm learning from this guy And so I

learned a lot from you back then bro and in that regard and and yeah, I always remember that you showed me I think I had like a cheap REI reply like a white white label of go-high level or something like that And then you showed me yours and it was like a monster bro and I was like, damn Everything's automated. Like, you know, and I was like, wow, this is amazing. But yeah, man I forgot about

those good times, man. Thank you for reminding me. Yes, sir Yeah, and I'm glad that I was able to you know, at least share share some something that made an impact for you 100% man. Yeah, I think that's what lies about right, you know, iron sharpened iron So, you know, I think that now you've reached another level of real estate You know that is commendable and so that's absolutely incredible whenever I started doing real estate I

was like, man, this is not how I want to you know operate. I did not fall in love with it You know, I think I was sold on this dream and so I'm like You know, I think what's gonna be it for me is gonna be a different business that provides services for real estate investors I know the business now, so now I know how to be able to Offer a ton of value, you know, and

now have this voice AI. It's amazing, bro. This is insane. You heard it I think it's going to really Free up a lot of time for for the person that doesn't have The capacity to pick up the phone whenever 100% I need it, bro I mean I got a crm with like 12,000 leads right now and I don't have any ops behind it So and so we'll be able to follow up with these automatically using artificial

intelligence, man Yeah, it's right. We just got to pick the right voice for for the rally. Yeah, that's that's the only little contempt No other than that wrong. I mean you got it, bro. It's amazing, bro. It's really cool to see. Yeah, absolutely, bro. Absolutely Let's finally talk about beyond blue collar, bro I think that you're you're having a great mentorship. You just launched it. I just launched it, bro Yeah, I want to shout out to

my my partner Dominic. Yeah, he's from Canada Young guy. He's just a killer, bro Uh, very savvy when it comes to all of the back end, you know infrastructure software systems ops Um, he actually did a code outreach to me about this and he saw the potential and I had never recognized the potential Um, and even though I've only been doing social media for about a year and a half sharing my journey consistently Um, I've had

a little bit of growth, you know, I have a little bit of a following you could say, you know a little bit of a brand that I've built And um, yeah, man So many people reached out to me throughout these, you know, these this year and a half that I've been sharing, you know, my journey Uh, it's a little overwhelming to where I can't get back to everybody that reaches out. I try sometimes I tried at

one point and I just gave up So, um, there was definitely some opportunity there because we have to respect each other's time time is very valuable And the only way to justify me investing time, energy and effort into helping other people was to, you know Create this new platform that I have now. It's called beyond the blue collar And it's an educational platform where we help tradesmen and you know, nine or five hours escape the rat

race and tap into the world of real estate, bro That's amazing And I come from the background, you know, I know what it's like, you know breaking my back busting my ass Um And just, you know, taking it to all my body, bro sacrificing time with my family, bro I was away for six six months at a time, but one time I was in Washington state, I spent six months away from family And the reason I

launched this pro is because I have um I just have a vision, bro, and I and I feel like it's my duty to be able to provide value to these guys and help them and let just Pretty much, um, allow them to realize that there's a lot more out there and to who we can become. What would you say? Makes your mentorship different than every other mentorship out there right now Yeah, man. So besides, I mean,

not everything that you just mentioned, which I think is great. You know, you're back But what do you think is something that you're teaching that's different from everyone else out there? Yeah, so we've got three different avenues Uh, we've got, um, fix and flips, which I heavily did for a while. You know, I've done probably over 60 flips at this point Um, we teach a wholesaling, which I did for a long time as well You know,

I scaled and the only reason I teach wholesaling a little bit is as a stepping stone Not so much as a full blown operation, right? Which I can if I wanted to because we did have it at one point in time Uh, and then we also have a new construction, bro So it's like kind of three and one so it's uh ways of Uh, it's I call it the active income protocol because I learned that you

know, this Old method of trying to build a portfolio and trying to focus on buying rentals It wasn't doing anything So I knew that I needed to create something and just help people skip that because that could take you 15 20 20 years to be able to finally, you know, make it enough to where you could potentially retire and sure you have all this appreciation and yada yada Yeah, but people need to realize that you can

do it in like a year two three years or less You know, if you're really focused and you're really committed So I wanted to create something and we did just that Where we teach the active income strategies from day one where you can focus on actual money-making activities That will make a den your bank account where you can actually make you know, high five figure fees six figure fees Or you know flip a house or build

a house. So it's it's it's the beauty of it Is that it's three and one so depending on where you're at in your journey Because everybody's in a different, you know, uh position, right? Maybe you're younger. Maybe you're older. Maybe you have capital Maybe you don't have capital. Maybe you're just starting out. Maybe you've done a bunch of deals Maybe you're a real estate agent that's stagnant and you plateaued Yeah And that's where we come into

play and we help you structure and strategize and give you a good roadmap on to what you need To do next to get to that next level. Right. Yeah, man. It's incredible bro Thank you. So Teaching three different verticals on active income. That's right. Really. Yes, sir. It's amazing. Yeah And we go deep by the way, man I mean, there's like 11 12 hours of a footage where I just dive deep bro It's just me directly

and I break everything down bro everything so um You just launched it just launched it how many people do you have now? We've got about 20 students right now But we launched like a week and a half or two weeks ago or something like that So it's definitely going to be uh bigger than I anticipated and i'm and i'm i'm ready for it, bro I feel like it's my responsibility now that people get results and and

i'm going to do it I'm going to do my best, you know with uh, you know Most integrity and I want to make sure that a lot of these people succeed Of course a lot of it is on them Right because we can give you so you can take whatever you can bring a horse to the water But you can't make a drink or something like that. Yeah, so obviously we're going to give you the formula

We're going to you know, let you know everything that you have to do But at the end of the day, it's also on that specific individual. Yeah, but i'm super excited, bro You know, I have the dream of one day helping, you know 500 to a thousand people just maybe more, right? I mean, whatever, you know, god, you know puts in front of us You know help them and and allow them to realize that there's far

more than than ourselves into who we can become what we can do And that there's you can live a lifestyle beyond your wildest dreams, bro Like yeah, I used to think that this stuff wasn't it wasn't it was out of my reach like it was just It wasn't something that you know people from where i'm from do or whatever I just felt like it was not attainable for me to get there And you know now bro,

it's like like g you know, I make this reference gta shit, right? Like a super car and whatnot, right? That's your first McLaren. Yeah, bro. I got it. I just got a McLaren 720 s. Yes, sir I did it was one of my dream cars And yeah, bro. Just it seemed like it was it was something that I would never achieve and and i'm just very blessed Bro, very grateful that I finally, you know hit that

milestone It's crazy to think though that you know this aura or like this hype behind super cars, man It's like bro. I've only people knew the the big shit i've done before buying this stupid car Bro, it's like man I wish people would recognize that and that would be more valuable than right just getting a dumb car that I could have got When I was 21 instead of buying the fourth place, right? You know what i

mean, yeah It's crazy though, man. It's just the way society works and I mean i'm here for it. What can we do? I think that's what we have to you know, I think that's our duty now to Change the mindset of the general public, you know, I think for a long time, you know We've been taught to you know keep up with jones's and you know Just try to get try to live a lifestyle that you

don't really you can't keep up with you know, and so I think that You're doing it right by showcasing first Everything all the hard work that it takes to get there and then Delayed gratification for years. I mean, how long you been doing this for like Probably longer, right? Since you said you were like you started when you were 18 I started I was saving since I was 18 You know, I think you had this vision

in your head since you were 18 You've started this vision really 10 years ago whether you realize that or not You know what I mean? And so now you're here and now you're finally bait But so for everyone that's you know listening to this, you know, don't expect you're gonna start this and you're gonna have mclaren tomorrow No, you know, wait 10 years. Yeah, or at least set set that intention with like saying hey, you know

what? I'm gonna work my ass off I'm gonna get to work. I'm gonna do everything blah blah. I'm gonna keep going and I'm not gonna like plan on making any Of course any any, you know, like a sometimes it can be a liability, you know Depending on what car you get, right? Of course a huge liability and put it on my shoulders until until I can very be very comfortably Uh, don't worry about it. Not how

to worry about it. You know, you can buy cash pretty much. I would say, you know what? I mean, I mean, there's a rule out there that says I don't know I bet you 95 to 100 percent of people I would say don't follow this rule But it's like don't buy it if you don't have at least five times the amount of money that it costs to buy That's what I've heard, you know, I mean and

of course it's a little difficult because we get mortgages and whatnot Right? So it's probably not the case for everybody, but it's a general like, you know rule of thumb, right? It's as far as a material possession Don't buy it unless you have five times that amount in your bank account or a network or whatever you want to call it, right? Right. I think it's a good rule to to follow man, but you're right, man 100

bro and it's unfortunate that people you know, they they try really really hard to You know to give off this look and and it's they can't keep up with this lifestyle And they're doing it because they just feel like FOMO whatever it is bro if you're missing out or maybe they just want Status or you know validation and all that shit's out the window man You got to focus on yourself and make sure that you're actually

set up for success. Yeah, absolutely Well, I couldn't have said it uh better, you know, that's right, man I think um, you know, my final question for you is uh, what's next what's next for you in your journey? Yeah, man. So beyond the blue car is definitely in the in the In the next obviously we're going to be doubting on that. Um, yeah I want to develop a subdivision this year That's uh, that's an end goal

that I've had. I want to be a real developer because I can call myself a developer right now But I develop homes, which is not the same thing So I want to develop a subdivision back home as soon as I source a good piece of land um beyond the blue color And I want to get closer to God and go on more mission trips, man I do a lot of traveling with my wife. Mm-hmm. So that's

one of my goals, man right now. It's incredible. Yes, sir That's a great goal Well, I'm sure that a lot of people are listening to this and they probably want to figure out how to reach out to you whether for you Know mentorship or maybe they have a deal, you know And by the way, I think I think it's also very important is that whenever you had a deal You know, you weren't scared to go and

reach out to david got to be persistent, right? And so if someone has a deal out there they're listening to this reach out to angel Yes, sir like slot in the dms, bro, you know, you have nothing to lose if you have a great deal, you know, who knows? Maybe angel could be your next partner. That's right, man We do you have it's a good if it's a good enough deal. Definitely sponsor and see what's up,

man Yeah partner up jv, whatever. Absolutely. Absolutely. So how can people uh find out more about you? Yeah, man instagram. I'd say it's probably my biggest platform angel dot invest plural. I envy STS Again angel dot invest plural. That's my tag You could follow me on instagram. I share a lot of my journey same tag for for tiktok And all platforms Uh, but yeah, man, that's where people could find me. Yeah, sir. Absolutely. Well, thanks again

for um, coming out here, man Yeah, it's a it's a pleasure man. It really is. It was a great podcast. It's it's been a long time in the making We've been talking about it for a while and so i'm happy to have had you here finally and uh, thank you bro Yeah, thank you for everything bro. Thank you for having me brother. Absolutely. Yes, sir