Key Takeaways
- You don’t need banks to build a real estate empire—creative financing opens doors.
- Partnerships accelerate success by leveraging other people’s experience and resources.
- Real estate investing is about solving problems, not just buying houses.
The REI Agent with Kris Haskins
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When Fortune Fades, What Do You Do Next?
Kris Haskins had it all—music industry success, big checks, and a lifestyle many dream about.
But within months, he went from rolling in cash to sleeping on a friend’s couch with just $80 to his name.
His story is a cautionary tale and an inspiring roadmap for anyone seeking financial independence.
“I was living the dream… until I woke up broke.”
Instead of wallowing in regret, Kris took action.
He recognized that money alone doesn’t create wealth—strategy does. That realization ignited his journey into real estate investing. He immersed himself in learning the fundamentals of property acquisition, market trends, and cash flow management. Through experience and mentorship, he gained real estate power insights that allowed him to identify lucrative opportunities and mitigate risks. With each investment, he refined his strategy, turning knowledge into long-term financial success.
The 2008 Crash: A Brutal Wake-Up Call
Like many investors riding the real estate boom of the early 2000s, Kris thought the good times would never end.
He was buying properties at full market value, believing appreciation alone would make him rich.
But when the market collapsed, so did his fortune.
“I thought I was investing, but I was really just gambling.”
With multiple foreclosures and negative cash flow, Kris had to rebuild.
The banks turned their backs on him, forcing him to find new ways to acquire properties. That’s when he discovered creative financing.
Buying Real Estate Without Banks: The Power of “Subject To” Deals
Traditional real estate says you need credit, a loan, and a down payment.
Kris disagrees. Instead of relying on banks, he mastered subject-to financing—a strategy where investors take over a seller’s existing mortgage without needing their own financing.
“Banks didn’t want to deal with me. So I learned how to buy houses without begging for a bank loan.”
By focusing on motivated sellers—people facing foreclosure, divorce, or financial hardship—he built a portfolio of income-producing properties using little to no money of his own.
Partnerships: The Key to Scaling in Real Estate
One of the biggest mistakes new investors make is trying to do everything alone.
Kris learned early that teamwork accelerates success. Whether it’s raising private capital, finding deals, or managing renovations, having the right people in place makes all the difference.
RELATED CONTENT
“I don’t do it all myself. I partner with people who are better than me at certain things.”
His secret?
Giving investors security. By leveraging private money and structuring no-payment loans, he attracts investors who trust his ability to multiply their capital.
Real Estate Isn’t About Houses—It’s About People
Kris doesn’t just buy houses; he solves problems.
He emphasizes that real estate success isn’t about market conditions—it’s about human conditions.
“We buy based on social issues, not market trends.”
By helping people who need a fast, hassle-free sale, he creates win-win deals. Sellers get relief, and he acquires properties at favorable terms.
Lessons from Kris: Your Roadmap to Financial Freedom
If you’re struggling to get started in real estate, Kris offers one simple piece of advice: stop waiting.
- Learn creative financing – You don’t need banks to buy property.
- Find a mentor or partner – Leverage others’ experience to fast-track success.
- Raise private capital – There’s more money available than you think.
“Money doesn’t go to people who need it. It goes to people who know what to do with it.”
Where to Follow Kris and Keep Learning
Kris shares his expertise daily on YouTube, where he educates aspiring investors on creative financing, deal structuring, and raising private money.
If you’re serious about real estate, he’s someone you need to follow.
Want to connect?
Find him on YouTube and grab his book, The Real Estate Negotiating Bible.
Final Thoughts: Build Your Empire Without Banks
Kris Haskins’ journey proves that no matter where you start, financial freedom is within reach.
It’s not about luck—it’s about learning the game, adapting, and taking action.
“You can write your own ticket if you understand creative financing.”
The question is: Are you ready to make your move?
Stay tuned for more inspiring stories on The REI Agent podcast, your go-to source for insights, inspiration, and strategies from top agents and investors who are living their best lives through real estate.
For more content and episodes, visit reiagent.com.
Contact Kris Haskins
Transcript
[Mattias]
Welcome to the REI Agent, a holistic approach to life through real estate. I’m Mattias, an agent and investor.
[Erica]
And I’m Erica, a licensed therapist.
[Mattias]
Join us as we interview guests that also strive to live bold and fulfilled lives through business and real estate investing.
[Erica]
Tune in every week for interviews with real estate agents and investors.
[Mattias]
Ready to level up?
[Erica]
Let’s do it.
[Mattias]
Welcome back to the REI Agent. We have Erica here today. Erica, thanks for joining us.
[Erica]
Thank you. Happy to be here.
[Mattias]
As a co-host. Yeah, no, we had a fun weekend. We’ve, you know what?
One of the goals I’ve had for our relationship really the past full year. It has been a whole year now of me doing this, right? This like goal setting and tracking and whatnot.
Yeah, what has been, you know, to do things to help our relationship. I think I talked about this in other episodes where, you know, I kind of saw it as a trickle down economics where, you know, our relationship is good. The kids would follow and things like that.
And this time I’m kind of hybriding, you know, making sure I spend quality time with the kids as well as you. And that seems to be better. But anyway, so one of the things we’ve been tracking and trying to do is a different amount of dates per month or per quarter.
And I think at one point we got really brave and crazy and thought we could try what, two dates in a month? That was the goal. And that could include like an at-home date.
Like one time we built a fort and watched a movie. That was a lot of fun. But somehow two a month is just hard to do.
[Erica]
Yeah, it is. And you had the idea, which is a good idea to try and do something once a week at home so we didn’t have to go out anywhere. But after the kids are in bed doing something intentional.
And then we ended up having a conversation about what that would be because we had to figure out how much energy we’d have after the kids go to bed and what we’d be up for doing. Something that we could realistically keep consistent. And we decided TV.
[Mattias]
Yeah.
[Erica]
We’re going to find a TV show.
[Mattias]
That’s really brainless. Either it has to be really good or just trash.
[Erica]
And we decided to go with trash.
[Mattias]
Unless somebody has a really good one they can recommend. We did The Penguin. That one you got to focus on.
And it was so good that we were hooked immediately. But yeah, I think otherwise it just needs to be something that’s easy to do. The TikTok of TV maybe where it’s brainless and just can turn it on for.
Because I mean we really only have like 30 minutes before we need to start sleeping. There’s not much time. We’ve had these ideas of maybe doing a puzzle or playing chess or something.
I don’t know. There’s things that we think would be really cool to take on. But when it actually comes down to it, it’s just too hard.
[Erica]
I know. I had that puzzle set up the whole month of December. And what ended up happening was your sister and your mom and your dad put most of it together.
And you and I haven’t touched it at all.
[Mattias]
I don’t even know what that puzzle was of. So dates are a struggle.
[Erica]
Yeah, but we had one this weekend and we used it to plan our future dates.
[Mattias]
Yeah, a date to plan dates. We had an opportunity to drop the girls off. There was two young 14-ish-year-old girls that were brave and invited 30 kids to their house.
I think their parents were there watching too. But they had a cool suggested donation of $5 an hour or something like that. It was very reasonable.
But when you have a lot of kids there, it does become a pretty good paycheck for them. And so we dropped the girls off there. Took our son to my parents’ house so we could go.
And we got some food and went to a brewery. And we, yeah, brought our planners and things like that. And started diving into what dates would look like for us or what our trips were going to be.
[Erica]
Yeah, spent a little time planning the summer.
[Mattias]
And I think that’s been probably the point that we fail at usually with this date stuff is that we just can’t get together to actually plan it. It just seems to be there’s just that barrier there. I think if we had a date to plan the dates for the whole year, for example, we could almost do it.
It’d be funny to text January 1st, text a babysitter, these are the dates we’re looking at for all of 2025. Are you available?
[Erica]
Yeah.
[Mattias]
But it’s almost what we need.
[Erica]
But in February, we have this planned out. This is sort of a date. We have a gala we’re going to.
We’re going to a concert.
[Mattias]
Yeah.
[Erica]
And those, I guess, are kind of our two.
[Mattias]
And we already had one. That was on the 1st.
[Erica]
That’s true. Oh, that’s right. That’s right.
That was on the 1st.
[Mattias]
Yeah, so I mean, we’re going to be knocking out the park this time. But yeah, no, I think we also have talked about, I mean, I think just being able to communicate in general. I’m sure a lot of parents with young kids can relate to this.
But just having the time to be able to plan things is just really, really hard. And it’s definitely not my natural inclination either. So that adds another barrier.
But we’re kind of thinking that maybe on Sunday mornings around coffee time, maybe when the kids have eaten, it’s less chaotic that maybe we can kind of look at the week and do like kind of a mini planning session. And then maybe coffee time in the mornings would be good kind of refreshers as well to kind of make sure that I’m aware of what’s happening. And then maybe we can try to make that a little bit longer around the 1st of the month or something to plan.
[Erica]
Yeah, so when we talk about the scheduling piece between us, just scheduling dates and knowing what’s coming, I’m just sitting here thinking about how many calendars we have between the two of us. Because I have the wall calendar. I have my spiral bound paper calendar.
And I have my digital calendar that we share, like invites back and forth to each other. How many do you have?
[Mattias]
Well, I just got a digital planner trying to get more intentional about being aware of what’s happening. Because I just use my calendar that’s on my iCal or whatever on iOS. And that’s on all my devices that are with me all the time.
That is usually what I put in like work stuff. But I think trying to have this intentional time where I’m looking at the week and writing it down in this digital calendar that also can go with me wherever I go. I think I’m hoping that gives another element, gives a ritual maybe like a routine of some sort that kind of raises the awareness and yeah, something I could hopefully build in and yeah, be more aware of like, oh yeah, there’s this thing that our kids are doing this week or you know, what that’s the me and you piece or just even remembering what’s on my calendar for the week and trying to fit in all the million things I’m trying to do. So like, you know, I’d try to get a four hour or five hour book writing session in and trying to find that amongst a busy schedule can be hard.
And if you don’t actually plan it out, then it’s just going to get filled.
[Erica]
So yeah, yeah, that’s true. I guess it’s the difference of sometimes it feels like life just sort of happens to us. And when we can get ahead of it and plan, I feel like we can be more intentional about how we live the days that we have together.
That did not mean that it’s not as morbid as it did.
[Mattias]
Agreed. It was very stoic of you.
[Erica]
Thank you.
[Mattias]
What were you going to say before I left? No, we don’t know.
[Erica]
I don’t know. I think, oh, I also have a magnetic weekly calendar on the fridge.
[Mattias]
Oh, yeah. Yeah. I noticed that it seemed that definitely the targeting for all these calendar products are women.
Like in the marketing of like the digital calendars that you can write with your Apple pen or whatever. And I think a lot of the planners that you can find are mostly targeted for women. And I feel like, is that more common to have like four different things you write and do on?
[Erica]
I think so. Because I think, I mean, this is probably just speaking for me, but I feel like friends have had similar experiences. Because I think women often think there’s something on the calendar, like the actual event.
And then women tend to be more adept at thinking about all of the things that have to happen in order to be prepared for that particular event. Like all the coordination that needs to happen, the laundry that has to be done for the clothes that need to be worn for the event. Like all of the small tasks.
This is like the mental load, you know, that women often carry. That’s probably why. Because a lot of these planners have all of those things, like goals and individual goals meet bigger goals and important dates to remember.
And women tend to be tasked with more of that stuff. Aren’t you glad you asked?
[Mattias]
Yeah, that’s also probably a generalization. Because we definitely know people that, yeah, that the guy is much more of a planner. But anyway, let’s steer away from these dangerous waters.
And introduce our guest today. Chris Haskins is actually another Virginian. He’s coming out of the Hampton Roads, Virginia Beach area.
So it was cool to have another Virginian on the podcast. He is a good example of how you can really recreate or think outside of the box. And how much there is the standard real estate practices where you get a preapproval letter and you get the house on the MLS and you buy it, et cetera.
And then he’s kind of completely different. He is thinking through all sorts of different creative ways of getting property. And that’s through financing, through finding the deals, all that kind of stuff.
So if you are not familiar with that side of the world at all, that side of real estate, I would definitely suggest listening to this episode and checking him out more. But without further ado, Chris Haskins. Welcome back to the REI Agent.
We have Chris Haskins here. Chris, thanks so much for joining us. You are another Virginia native.
That’s awesome to have. We don’t get many of those. Yeah, I’m glad to be here.
It is an honor. A lot of California. That’s probably number one.
Our guests come from California and then maybe Texas is next. So yeah, no, it’s great. Thanks for being here.
[Kris Haskins]
I just said that. We don’t know Virginia people. We got to get more of us on the camera.
Cali, Texas, we just said that.
[Mattias]
Exactly. Yeah. Yeah, so you’re in the Virginia Beach area in general.
Tell us a little bit about how you got into real estate investing. I’m curious about where you’re investing and all that kind of stuff.
[Kris Haskins]
First of all, thank you for doing this, bringing this awareness to the community. We need more of your images on here. Husband, wife.
Thank you guys for bringing that to the screen. You’re welcome.
[Mattias]
Thank you.
[Kris Haskins]
Yeah, so I had a publishing deal back in 2002. I got tons of money from working with Jay Praise and having a song with 50 Cent. We did his first single on a B side in the club.
It was called Wanksta. So I got a chance to hang out with Jay Praise. Shout out to Jay.
He had hundreds of thousands of dollars in my pocket. And then in a few months, I was completely broke with $80 in my pocket. Living on my friend’s couch.
And that’s where I realized, like, you know what? I’m a dummy. I’m a dummy.
So that’s when my whole light bulb turned on. And I realized that you can make money and earn all you want. But if you don’t have no strategy, you’re going to always by default, you know, the default switch ends up to being broke.
So that’s what my quest for financial literacy, literacy kicked in in 2004. I’m like, I got it. I got to do something different.
[Erica]
Of all the interest stories, I don’t think I expected that one.
[Mattias]
That’s amazing. No, that’s so awesome. And you hear that a lot about, I mean, like, isn’t, I think Shaq has a really famous story about, you know, meeting with an accountant or a financial planner or something.
And you’re like, you’re going to be another broke person and just another broke athlete in a couple. If you keep doing this, and then, yeah, now he’s like, insanely got his like PhD, honorary PhD. That’s awesome.
Yeah. What a great, great story. And that’s so true.
I mean, you hear about the, also the people who win the lottery, right? They win the lottery and they spend it all. And because they just don’t know what to do with it.
But yeah, it’s such a muscle. It’s such a skill to learn. So yeah.
[Kris Haskins]
It is a skill. The problem is, it’s such a young industry. You know, it’s not like the automotive industry or the housing industry.
It’s been around for a hundred, you know, the financial education industry is only, you know, 30 years. I mean, it’s only been around for a few decades. So you got to figure it out.
Yeah.
[Erica]
So how did you figure that out? 80 bucks in your pocket. Where’d you go from there?
[Kris Haskins]
Thank God. Thank God. I had a who, not a how, you know?
So I had dudes around me doing real estate, you know? And I’m like, I had these huge publishing checks, you know, we come in 60,000, you know, I was just so fortunate. But I was the stupid lifestyle that my culture community is served on the internet, on the TV, drinking, drugging, partying, sexing and traveling.
I bit into that lifestyle. And I thought that’s what being successful was about. You know, $1,000 a night, homies around, bottles, you know, plate with the powder.
I’m just like, you know, just passing around plates with powder on a dude. It’s just, it’s just insane. And to think about this, I’m so embarrassed.
But I have to get it out. I don’t want my daughters to fall prey to this stuff. I’m like, you know, so when I went broke, I had another publishing check coming in and the who’s around me were getting in real estate.
So I just kind of started blending in or amalgamating into them, if you will, to what they were doing. So my first real estate deal was 2003 or 4. And they used my credit and I helped with the down payment and we made 50 grand and I did nothing.
I’m like, damn, I wonder if I actually do something, you know, could I make more money when I did nothing back then?
[Mattias]
You how long y’all been in the game? So I got licensed in 2014. Oh, wow.
Yeah. Holy cow. You ain’t seen nothing yet, bro.
You had all good times. Yeah, I know. Well, it was slower when I started, but it was kind of recovering from what you’re probably talking about.
[Kris Haskins]
2005, six, seven, eight, nine. I’m sorry. 2004, five, six, everything was going up, right?
You could buy, you could actually buy and have a house vacant and then sell it and make 20 grand, you know, you could do that. That was possible.
[Mattias]
And is that what you did? Did you all fix anything up or when you made that $50,000 or?
[Kris Haskins]
That first 50K, it was in New Jersey. We did fix it up. It was one of those, they call them, it’s not an apartment, a co-op or something like in a building.
[Mattias]
Oh, yeah, yeah.
[Kris Haskins]
The co-op, I don’t really understand.
[Mattias]
It’s like a nuance between a condo and a co-op. It’s just kind of how they run things.
[Kris Haskins]
But yeah, that’s one of those buildings. So we fixed it up and then the guy came in and bought it from us. I’m like, damn, it’s worth 50 grand more than we bought it for a year ago.
So that was cool. I thought that was real estate at the time. Yeah.
[Mattias]
So then reality hit at some point and how many deals had you done and were you caught holding anything when everything kind of fell?
[Kris Haskins]
Was I caught holding anything in 2008? Yeah. Who wasn’t?
Right. But I did a few of those big deals where we bought them. Didn’t do a little bit of work and made $20,000, $30,000.
I thought I was doing it right. Paying fair market value and then the appreciation would save me. I thought that was investing.
I didn’t know that you had to actually have the skill to buy below market. I didn’t know that was a thing. How do you buy a house that’s worth $150,000?
How do you buy it at $80,000? How is that even possible? And I think a lot of probably your listeners and my listeners don’t even know that that’s a thing.
Yeah. Below market value. So that’s when I learned you can’t buy at fair market value and then sell a year later.
I just got caught holding all these houses and the market just dropped out. So I was done.
[Mattias]
Yeah. Well, I think one of the things you’re talking about is one of the two worlds I described, the wholesale versus the resale and being an agent and investor, I can kind of see both. And yeah.
So that makes a lot of sense. What happened when everything fell? I mean, you were caught holding stuff.
Did you have to liquidate? Did you hold onto it? What happened there?
[Kris Haskins]
I like the way you say that. Did I liquidate it? Is forced liquidation a thing?
I don’t know. Is that a word? They took it, dog.
What do you mean? Shit, I didn’t think about this stuff. It wasn’t like, I mean, it was just sitting there.
I remember I bought it at 120. These prices are so low, 120. It was maybe worth 50.
I mean, what am I going to do? It’s nothing to do.
[Mattias]
Yeah.
[Kris Haskins]
I should have never bought those products. They were horrible products. Two bedrooms needed work.
I mean, I remember one of the floors was off, but at the time it didn’t matter. You could buy anything and sell anything. It was the wild, wild west.
So I lost a bunch of houses to foreclosure. My rents were $1,000. My mortgage payments were $1,200.
So I was losing $200 a month on a bunch of houses. So all that stuff. Eventually, it just had to get cleaned up.
It just wasn’t sustainable. And the strategy was you could buy a house, negative cash flow for a year, and then make 20 grand. I’m telling you, this was the strategy.
Negative $200 times 12, $2,400 you would lose. But you’d sell it for 20 grand more, right? So your system was, all right, I’ll lose 2,400, make 20 grand.
But I had to take, I would still, I’d make 18, 17. Okay, that ain’t bad. I did a ton of those.
Ton of those. Sounds insane, doesn’t it?
[Mattias]
Hindsight’s 20, 20, right? I mean, we flipped some properties. We had some sales throughout the 2021 run up with all the cash coming in, low interest rates.
And it definitely felt that way too. I mean, that sounds exactly very similar to that situation. It’s gotten a lot harder now, for sure.
[Erica]
So I was just thinking, the way my mind often works is thinking through what this has been like for you. I don’t even know how you ended up getting involved in the music industry, but getting into that and then trying to find a different way out of it and into something new, and then it being pretty easy for a while, and then all of a sudden just crashing. I’m just kind of curious what your experience on the human side was of that, just trying to make it and feeling like things are working out, and then they’re not, and then they’re working out, and then all of a sudden they’re not again.
[Kris Haskins]
Well, I came to the realization, Erica, that in every market, somebody’s winning. If you’re losing, somebody else is winning. Because when we had our publishing deal in 2002, 2004, that’s when 9-11 hit, and so many people were just getting wiped out of whatever, the Twin Towers.
And we were just getting influxes of cash. I’m like, the shit was everywhere, right around me and my crew. And people were complaining.
I didn’t comprehend. I didn’t even understand that you could be… I’m like, hold on, we just got a check for $200,000 last week.
What do you mean this is a bad market? So I know for 100% sure, I’m certain of it, that whenever you got somebody down, somebody’s way up. And it was the same proof during COVID.
I know guys that got wiped out. And we just did extremely well. I’ve seen both sides.
I’m sure you probably have too. So I had to figure out, going back to that, when all my stuff went away in 08, disappeared, not all of it, a lot of it. I learned the skill of raising money.
That’s when I’m like, you know what? I need to understand how to raise money. Once you learn the financing game, you can pretty much write your own ticket.
We can finance any piece of real estate you want.
[Mattias]
So you were into more or less single unit deals prior. You were doing it. So when you set your targets on raising capital, you stuck with the single family kind of property purchases.
Yeah, what other strategies? What were you getting into after with the raising capital and investing strategies after that?
[Kris Haskins]
So after the crash, I had to learn creative financing how to buy without using a bank. That’s my tagline. How to buy a house without begging for a bank loan.
That just swirls around in my head. That’s every day. I’m like, I don’t know how I’m going to do this without dealing with the banks.
Because the banks hated my guts after I got all those foreclosures on my record. I had to learn how to raise money. I had to learn how to buy creatively, taking over debt, lease options, subject to stuff, creative stuff.
What’s the other one? Contract for deed, land contracts, how to buy a trust. All this stuff.
You got to learn this stuff if you want to have. I remember 2010, people were looking at me coming and going. They were like, this dude is still in the game.
Because most people had just scattered to other industries. They were gone. They were just out of it.
People would bring me to the side. I’d just be walking. They were like, are you still?
Can you really make money in real estate? You know, it’s like real estate is popping now. Everybody knows.
But in 2010, if you say you were an investor, people would think you broke. They would look at you like, are you crazy? I mean, everybody’s losing houses.
The market’s in the trash.
[Mattias]
Yeah. No, I remember coming into the tail end of that. So we were, we bought in 2013, our first house.
And that’s kind of what inspired me to get licensed, et cetera. And I remember one of the guys in my office was focused on short sales, for example. Like he did a ton of short sales at that time.
And just a totally different. And I mean, this was, again, that was kind of phasing out probably then, but he had done a time before it was. So there’s just, you’re right.
I mean, you have to really adapt to the market conditions. One of the things you just mentioned, subject to is a popular strategy now with how many people have the low interest rates here, recent, you know, from the recent low interest rate season that we had through the pandemic. So yeah.
Tell me, tell me about some of these strategies. Some of them I’m not as familiar with. So subject to, you can start there if you want.
[Kris Haskins]
Well, that’s just where we just take over debt. You know, we can buy real estate. I just wish everybody would just take a big gulp of humility and understand that when you see everybody going this way, traditional real estate, I’m not hating on the realtors, but realtor, lender, mortgage company, home appraise, all that stuff is cool for some people, but not everybody’s going to fit in that box.
We had to go to the left. We just take over debt from people that have already acquired the debt that can’t either afford it or they don’t want the debt anymore. So we make the payments for them.
That’s just true. That’s how I built my empire. I said, that’s where I, how I bought the house for my family to live in.
I mean, that’s the only way I could buy. I didn’t have any other option.
[Mattias]
Yeah. So how are you finding these people? Are you doing cold calling?
What are you, how are you reaching out to people?
[Kris Haskins]
Well, I always say, as Larry going says, it’s better to have 10 ways to find one deal than one way to find 10 deals, right? Because one can cut off social media is big for us. You know, we’ve got 150 something thousand subs on YouTube.
People just come in. That’s a big way to raise money to where people want to sell us houses in the area. We only buy in the Hampton Roads area of Virginia though.
That’s big. We run ads, PPC, SEO, search engine optimization. I do a little, very little bit of cold calling and a little bit of direct mail, but this internet dude, man, internet is the only place I know you can turn that on.
I’ll never forget. Just, this has been like, this month has been a crazy month. People call it on Saturday and they want to close Friday.
I’m like, I don’t know any other vehicle that you can do that with.
[Mattias]
It’s true. Yeah. And that’s a really good point.
So yeah, well tell me some of those other strategies though. So, so subject to taking over somebody’s debt, if somebody has, you know, a 3% interest rate, that sounds amazing, but let’s say they really can’t afford to sell it. Maybe the market shifted a little bit and the, and they’re, they’re just not able to sell or they want to get out fast or something like that.
This is a good option for them to, you might pay him a little bit of a fee to move or something to kind of make it worth their while, but probably not a full down payment type situation. And you’re going to take over the, the, the mortgage payment and take over the house.
[Kris Haskins]
Yeah. You should hold classes for your realtor friends to help them fools understand this stuff, dog. Cause you know, they don’t be, why don’t realtors, what’s going on, man?
Why can’t we educate our realtors? So they will get this stuff and help the hope, help these homeowners.
[Mattias]
And that’s, that’s, that’s one of the goals here. Cause I have come across in, in my, you know, in the day to day where that definitely was the only way out for somebody. And it is, it is definitely, you know, the more tools you have in your toolbox, right?
The better you get, the more effective you can be in investing and in sales, right?
[Kris Haskins]
Yeah. With the realtors, we need guys like you to get the word out. Cause most realtors, they’re scared, they’re scared.
They’re not going to get paid. And that’s not true. We pay your fee.
I’m like, we are going to pay it there. If there’s no equity, you still get your realtor fee. We’re going to pay you the 3% or let’s say we pay 2% or whatever.
Right. So it’s not like we’re cutting out realtors, but we need y’all to get the word out, man. Cause this is where over the next few years, dude, if you understand creative financing, you can just write your own ticket.
Cause there ain’t no equity. I mean, people, you know, if you bought in 21, 22, 23, you ain’t got no equity, you know? So that’s how we help people to get out.
[Erica]
Chris, are you working on your own? Do you have a team that you work with or kind of like a mentorship group that you work with or are you kind of out there on your own?
[Kris Haskins]
Oh God. Yes. My team really does a lot of the lead gen and managing construction.
Like I’m a horrible with dealing with the contractors. Those dudes, they would, they just ripped me alive. But my guy, Ron, Ron is the, like I’m the, if you’re familiar with the disc analysis, like the D I S C.
I’m a high I. But Ron’s a D. No talking.
No. This dude. All right.
What are we doing straight to the subway? I’m in the front and then he’s just in the back. So yes, my team, Ron, I gotta have a team.
In fact, if you don’t have a team, as you know, real estate is a people business. You can’t do it all. You can’t generate leads, go to see all the houses, manage all the contractors, go raise all the money, do all the sales.
It’s just virtually impossible if you want to scale to something that’s bigger than a few hundred thousand dollars a year, you know? Totally.
[Erica]
Yeah. You mentioned the desk. Did you have your team take that before you chose or hired them?
[Kris Haskins]
Well, luckily I’ve been with these dudes so long that they didn’t even know what it was at the time, but they took it over time. But I didn’t. I would now though.
I would. Absolutely. You want to know exactly who you’re dealing with because the personalities, you don’t need two eyes.
They, they, they, they get nothing done.
[Erica]
And for listeners who don’t know the disc or aren’t familiar with it, can you talk about what an eye is or how that, how that is for you?
[Kris Haskins]
Yeah. Driver, influencer. I can’t remember the other two, but they can go to Chris disc if they want to get their own test.
I think it’s a hundred bucks or something, but yeah, you need to know that influencer, like obviously being an influencer, I’m on camera and talking and creating content all the time, just like you guys. So we need somebody to say, hold up. Boom, boom, boom, boom.
So I look at it like I’m the, I’m the cruise ship moving around 3,000 people, 5,000 people. I feel like I’m, I’m the shit, right? I’m the crew I’m carnival, whatever.
But then if I don’t have an anchor, I am literally nothing. I’m just out in the ocean forever. Right.
I can never, I can never go to port. I can, you know, I need that anchor to say, look, this is not, this is what we doing. Boom.
So yes, you big and bad, but my wife, my anchor too. So the people around me, they’re just all anchors. They’re like, all right, let’s slow down.
And so you say, is that you think?
[Erica]
Yeah. Sounding very familiar.
[Mattias]
Absolutely.
[Erica]
Mattias would also be floating around the ocean with you forever.
[Mattias]
Yeah. I also call it a rudder, you know, needing a rudder. Yeah.
[Erica]
Yeah, I was, well, I’m glad you mentioned your wife. Cause that was my next question. I was curious if she’s somebody that would anchor you and, and can you talk about what that looks like for you guys while you’re kind of working around with the investment side of things?
[Kris Haskins]
Yeah. My wife, she’s got, uh, thank God she’s got great credit so that we use it as a team. She has, she does borrow some money for us from time to time for me to go flips.
We’ve got a huge line of credit on the house here that she helps a lot with that, with the traditional financing. And my wife keeps me like after five, cause you know, being an entrepreneur is 25 hours around the clock. She’s like, look for his five o’clock.
We’re done dinner. Six o’clock. I need, I need structure.
Cause if not, uh, you know, there’ll just be, it would be, in fact, when we met, I was the party house. People were coming over 10 people. I would have parties every day.
So when I met her, she’s like, we’re done dinner at six, you know, get this stuff, some type of structure. So, you know, we think we all big and bad, man. But when you look back, it’s like, you, you know, you need somebody to keep you in line.
[Mattias]
So yeah, I feel like my, my serious life really started when, when I got married. That’s good. Me too.
Yeah. We can take stuff seriously. It’s tough.
Serious. Um, yeah, no, I was that. That’s awesome.
I mean, that’s, that’s such a good thing to know yourself. And I think that’s really where I writing a book, teaching some, uh, agents, you know, if they want to get started in the business sales, but also encourage them to invest while they go. And one of the things I talk about is, yeah, that self-awareness and understanding yourself to help set goals and to know what you need to get things done, et cetera.
But I’m also kind of encouraging people to invest when they’re starting. And if they were to go first, you know, full on into real estate sales, they could be making a killing in theory, right? If they had no other job and they’d somehow struck some kind of vein and they were able to sell a ton of money, like sell a ton of houses, really good income, but they’re not going to be bankable cause they haven’t been doing it for two years.
Right. So, so you’re kind of an expert in this realm. Um, what could that person do to try to find a house to, you know, start house hacking or whatever?
How could they get into a place to live in or to, to invest in, in a different way?
[Kris Haskins]
Yeah. You know, I spent a lot of time trying to think about this as I’ve been doing this since 2004, things have changed a lot, you know, and I would do so much different if I had to do it over again. This traditional financing is just, if we have the mindset that this, that’s just one way to buy a house, you know, it’s like, everybody thinks that that’s just the only way.
And I’m just, I have to break people’s arms and twist next just to kind of, and people pay me. I’m like, you paid me to teach you this stuff and you still want to go do this the same traditional way, which I’m not mad at it. Well, uh, when you talk to you, you must get skilled, you’re going to have to learn a skill.
And I believe that’s the, the, the big disconnect because you don’t really have to have a skill to go pay full market value for a property. I mean, anyone can do that. Anyone can do that, you know, but the real skill comes in.
You got to take some time to learn motivators. If I were starting out for the freeway is just with pre foreclosures. I mean, people, um, I tell people all the time, uh, we don’t buy based on market conditions.
We buy based on social issues. So if you can just remember that in your mind, I don’t care if the market’s going up, down, left, right, forwards, backwards, or sideways, you can still get a house. If you know how to buy on social issues, death, divorce, drug abuse, loss of job, job transfer, sickness, all those things where we go in and help somebody, not just go try to get a house.
We want to help the community, you know?
[Mattias]
Yeah, that’s, that’s really good point. I mean, I think people often will hear about getting something under market value and automatically assume that somebody is getting taken advantage of, or, you know, like an investor or wholesaler or whoever is, is screwing somebody over. But often not that case.
I mean, often there is, I mean, as an investor, sometimes you’re taking on a property with a lot of risk. You’re taking on the risk of fixing it up. You need to get paid to do the work to fix it up, right?
If you’re looking at a flip kind of situation. And there are people that just in a situation need to get out of a house so fast and really have limited options. So yeah, it’s, it’s not, you know, certainly there are people that probably have taken advantage of people.
Like I’m sure that happens everywhere, but, but it doesn’t have to be that at all.
[Kris Haskins]
Well, I think just, we got to just make our, we have to educate the community so they understand and we educate them always. If you deal with us, we can’t pay fair market value, but I can close Friday and whatever time you want to close and you don’t have to do nothing but walk in and get a check. And so far, I’ve never held a gun to anybody so far to sell me a house.
I pride myself on that one. They don’t have to do it. And a lot of times I encourage people, look, I’m not your guy.
I mean, we will do the deal, but I’m like, well, why don’t you go listed with a realtor and then you can get the top dollar. Cause some people do in fact need to get as much money out of it as they can. Well, most of the people we deal with, it’s funny how money is way down on the totem pole, my brother, way down.
Like they need peace of mind. They want the soft pillow. They need to relocate this day.
How many times, how many buyers, you know, can close on the exact day that you want? Yeah, only a few. Only a few guys.
Yeah, for sure.
[Erica]
Do you feel like the Hampton area, Chesapeake area is pretty like, how do I ask this? Are there a lot of investors in that area? Do you feel like you have, or is there a lot of competition around you?
[Kris Haskins]
Oh man, it’s fierce here. Really? But I don’t want to sound like everybody else.
I hear it every day. My market is the hottest market. You don’t know.
You don’t know, Chris. It’s hot here. Everybody says that, man.
We’re no hotter than the next market. We’re not like New York, LA, or Miami, you know, not that hot, but it’s fierce here. I mean, just so much money.
It’s just so much money floating around. What you can call right, Eunice, just like, I’m telling you, I’ve seen, I saw Raising Cane’s is this chicken. Have y’all familiar with that chicken, fast food chicken place?
I don’t think so.
[Erica]
No.
[Kris Haskins]
It’s called Raising Cane’s, right? So I’ve seen them just penetrate. They come in, you know, Chick-fil-A was the Mac daddy.
They’ve been owning the chicken tenders or whatever. Raising Cane’s comes in, boom. I’ve seen them and they’re in Manhattan now.
I mean, the line was out the door. I went the other day and they’re right. You know, as long as you come in and have a good product and you serve the community, I think anybody can do this business.
[Erica]
So I have a friend who lives in Newport News and has had some interest in becoming an investor. And there’s, and I’ve heard this question, not just from her, but from other friends too, who know we do this podcast and they’ve heard about lots of investors who have lots of different properties. But I often get the question, like if I’m, and for her case specifically, you know, I’m a single parent, single income, how is it possible to be a single parent?
How is it possible for me to invest in my first property?
[Kris Haskins]
Yeah.
[Erica]
And I think that, that people struggle with how do I do it for the first time? If I don’t have a lot of cash behind me, what would you, yeah, yeah. How would you encourage them to get started?
[Kris Haskins]
If I was doing it over and this is what I did. I just partnered. I still do.
I love partnering with people. So somebody might have a down payment or part of a down payment. Say the down payment is 15,000.
You can split that. Somebody might have great credit. They can go get a loan.
So I’m just a huge advocate of just partnering because I don’t want to do all the work. I’ve learned that I can do more deals and get small of a chunk. I would rather do more deals and get smaller with something, do less deals and get the whole chunk.
It just, to me, it just worked out. Partner, partner with some other people, man. That’s what we did.
That’s what I did.
[Mattias]
Yeah. Especially if they have experience, right? I mean, there’s a lot of different pieces that can be helpful, but when you’re getting started, fear is often the, one of the biggest hindrances, right?
And that’s what we did for our first flip. We partnered with somebody who knew what they were doing.
[Kris Haskins]
Okay.
[Mattias]
What’d you bring to the table? Well, so it was a coworker that had done a few and could have been kind of like, you know, Hey, we should do one sometime together. And we had set ourselves up.
We had been getting equity lines and that kind of stuff to kind of be ready for it. The perfect property came up a couple of days before you’re going to give birth. So talk about fear and not wanting to make that jump.
It was bad timing, but we did it. And it was a good one. It was one of the best flips we’ve done ever.
Yeah.
[Erica]
That particular deal seems to come up every so often in these podcasts. It’s like the perfect example for us when we got into real estate, it forced us to kind of work through some of the stuff with our relationship with even just like jumping in on investing deals and managing stress together. And it worked out really well, but it is funny.
It just keeps resurfacing because it’s such a good example.
[Kris Haskins]
Yeah. Partnership stuff works. I’m glad you did that.
I’m glad you did that. I don’t know. People when I was coming up, everybody was like, don’t do partnerships.
Do it on your own. You know, the main thing, it was in my mind. It was burned in my brain for years.
I just tried to do it. And then when I got on a partner, I’m like, I make more money. I do less work.
I don’t have to think about. Do you know you can work with partners? I learned that are actually better than you.
I’m like, you’re better than me. Come on, let’s go. So now I’m going to uplift them.
I’m like, dude, you’re better than me. It’s funny. People will see me around town with my guys and they’ll ask me, did I train them?
I’m like, no, dude, just train them. You know, I’m like, they’re actually the ones that are running. I’m just the guy in the back.
It’s so cool to be not the main guy all the time. It feels great not to have to run everything. And you got guys that are actually better than you, man.
I remember when I found that out, I’m like, this is really cool.
[Mattias]
Yeah. So talk about that team and leaning in your strengths, right? Like we can all kind of lean towards what we’re good at.
And you know, like me and you sounds like we kind of need a detail oriented driver to kind of help get things done. Yeah. So that’s definitely critical.
I love it as well. Tell me a little bit more about your raising capital side. So you’ve got this, you know, social media, you got YouTube, you got this kind of lead magnet, if you will, right?
Like, so that could be for financing as well. Do you, how do you structure things? Is it deal by deal?
Do you have some sort of fund in place? What do you do there?
[Kris Haskins]
I haven’t done a fund yet. I’m a little nervous about it. I just, I like the security.
I like, I’m like a giver, man. So I’m known as an empath. So I hear people’s stories.
I love the security of the property. Not to say that I wouldn’t do a fund, you know, but I just haven’t done it yet. I got friends that do them, but so I like it.
If I go to bed at night and something happens to me, then my lender can actually liquidate the property and get their money back. It just makes me feel better, you know? So I know that they’re secured by the property, not necessarily little old Chris Askins, because I’m just a guy, you know, I’m vulnerable.
I’m not Superman. I could get struck by lightning, hit by a car, taken out of the equation. And I’m sure, I know funds, they can be liquidated too, but we use a promissory note and a deed of trust or mortgage, depending where you’re at.
So, and if the house burns down, they get a check. If I don’t pay, they sell the property, they get a check, you know? So it’s like, it’s less hassle regarding to get the, I’ve learned that the more you give the people with the money, like before, you know, when you think about business, you think about me, me, me, what do I need?
I need the money. I need the money. You know, I need the financing.
I need to finance it. And I’m like, no, when I turned it, when I learned to turn that around and give more security for the money, I’m like, look, here’s two houses worth 300,000. All I need is 100,000.
Money just started to just stick to me. It was, it was crazy. I’m like, I’m giving out way more security than the money that I’m getting.
It just fell out of the sky, right? So it’s like the more I give, it just seems like you get way more, you know? So yeah, we, we do the, the security based financing, if you will.
[Mattias]
Yeah, that makes sense. So like in that circumstance you’re talking about, say two properties need a hundred thousand dollars. That would be like, including like purchase a hundred thousand recover, like the purchase and like the, the rehab or whatever’s needed to, to get you to the end game.
Is that, is that accurate or?
[Kris Haskins]
Oh, well let’s take us out of acquisition and finance. Let’s take us out of, I want to take you, let’s take us out of a deal, right? Let’s just, let’s just talk about the financing itself.
Say if you, you have money or a, an IRA, say you’ve got a couple hundred thousand, I’m doing deals, right? Doing deals in and out all the time. So I’ll secure you.
We’ve got a rental portfolio of pure equity, you know? So it’s like, I don’t even think about it. Like if you want to be secured, okay, we got one, two, three, easy street.
Let’s secure them there. We’ll go do this deal over here, you know? So it’s not like it’s for the house that I’m doing per se, right?
It might be depending on how much we got out, a couple million out, but usually, usually for us, we got so much rental property that I can just say, Erica, you got a hundred thousand. Okay, we’re going to secure you over there. Boom, that’s done.
Let’s go get, I’m over here doing something completely different. So I got the rent from this property. I got the money and I got the new property that we’re buying.
So I’ve kind of structured it, not to say I’m that great, you know, but I’ve structured it. What I told myself was years ago, I’m like, dude, if I could just show the marketplace that I know how to pay down, what I did is I paid down all my rental properties, just paid them off. And I figured, dude, if I, if someone would notice what I did paying off all my rentals, they would be happy to give me money.
And this shit really worked. So I went to people with IRA money. I’m like, look, I got all these rentals with no debt.
How about I just stick you? So I literally have home equity lines of credit with people. So I’ll call up, I’ll say, hey, I need X amount of dollars.
They wire the money because they’re already secured on one, two, three, easy street. I don’t have to, I don’t have to discuss anything. So I’m buying, buying, buying, buying, buying.
They’re secure, secure, secure. They’re already secure. That makes a lot of sense.
Yeah, that’s cool. We need additional, if we need additional security, then I’ll give them on the, let’s say if I’m a new guy, I’m like, look, you can secure this property and the new one we’re buying. I mean, it’s a no brainer.
If I screw up, you get my rental property and you get the house that, I mean, this is a no brainer.
[Mattias]
Right. And, and can you do, I mean, I would imagine without like the bank regulations and stuff, you could probably have like a couple of liens on one property in theory, right? You could have a couple of people secure like a first, second, I don’t know how you’d have to structure it.
[Kris Haskins]
Like a third, as many as you want. We put maximum, max two. I mean, usually one is something I got.
Yeah. We do, we do one usually.
[Mattias]
Cause you got to still probably make it make sense with the payments and all that stuff with the rent coming in.
[Kris Haskins]
But well, we do no payment loans. All right. We don’t make payments.
I mean, hopefully we can bring your listeners over to no payment loans too. Okay. Yeah.
It’ll break that down for me. So when I learned about no payment loans, I’m like, what the heck? A no payment loan.
I don’t even make. So we borrow the money. Let’s say, man, we got so much to go over.
Let’s say we got it. We want to buy this. We want to buy property a right.
Usually what people do is they borrow the money to buy property aid and they make monthly payments. Right. Right.
So let’s say we do borrow money to buy property a, then we will say, okay, let’s say the properties were of 200. We’re buying it for a hundred. We borrow that a hundred lean data, trust mortgage, all that.
We say, Mrs. Linder from January one, when we bought it, your interest will accrue. And then when we sell it and whenever the day we sell it, we’ll just pay you the interest at that time at closing with all your principal back. Right.
We just let it accrue. I learned that the more outgo, what, how people get taken out in this business, your outgo exceeds your income. That’s how, that’s how we go down.
[Mattias]
Uh, it makes a lot of sense. So that’s, that’s primarily like a flip kind of strategy you would use for like, so you wouldn’t necessarily do that for a buy and hold unless it’s like a short term.
[Kris Haskins]
You could buy and hold. I’ve got some lenders with IRA money. We just cash them out.
You can set it up with, I have shit. You can, I’ve got some guys that I pay principal some months, some months I pay interest to, you know, it’s all there. All right.
They can’t use it anyway. It’s just sitting in an IRA account. So let’s say we’ve got a rental property.
I borrowed a hundred grand or whatever I want to pay. I just say, I send them an email or text, Hey, I’m making a, um, an ordinary payment this month or next month might be low tight. So I’m just making interest only payment.
That’s the magic of dealing with when you got two humans doing business as opposed to a human doing business with an institution. Shit gets hard then, man. So I don’t tell people to do use banking.
[Mattias]
I know you, it’s so true. I mean, there’s so many different things you can, you can structure a deal. I mean, I mean, if you’re dealing with the owner directly, that’s totally different than what you’re talking about.
Um, but yeah, I mean, there’s just, it just becomes a huge, uh, strategic puzzle if you will. Right. I mean, you can, you’re probably second nature now you’re like, Oh, this is obvious.
This is the easiest, cleanest route to do this deal. Uh, but some people are just used to the traditional models. Like it’s probably blowing their mind right now that this is, right.
[Kris Haskins]
Well, I look at it. My mentor used to say the sport of real estate acquisition and finance. Once you master it, it’s like taking the chess board and moving the board with the pieces on it.
And when he showed me that shit, I’m like, wow, dude, I really have been in a box my entire life. I’ve been in a box. Yeah.
Moving around, cross collateralization, substitution of collateral, moving debt. This is just amazing. This amazing.
[Erica]
How did you, when you, when you were growing up in your family, did they, did your parents, um, did they buy properties? Was real estate, did you, was that a part of your lifestyle?
[Kris Haskins]
They did have my parents, God bless them. They had one rental property. I remember when they put a bathroom in the house, they had to raise the guy’s rent from like $130 to like 180.
I remember. That’s a pretty big job. It goes, you know, we got to raise your rent now because he had an outhouse back in the eighties.
It was that he had an outhouse. Did y’all know what an outhouse is? Oh yeah.
People used to go to the bathroom. So I remember them putting this bathroom in the property and he’s like, you know, we got to raise your rent a little bit. I’m like, damn, this is cool.
That’s my really only experience.
[Mattias]
There are so many questions and so many things we could dive deeper into with what you’ve talked about. I’m going to throw a curve ball though. Are you still doing any music?
I mean, were you in the creative side of that, that, uh, project you talked about? Were you producing or what, what was you doing? Any music still?
[Kris Haskins]
Nah, strictly I took all my musical skills and bring them to creating content for my community because I just don’t want, we don’t have any time. Shake booty and dance and party. Like my, we have zero time.
I’m like, I don’t want to divert any of our attention to, we need to be using our creative juices, if you will. And using the muses to be making assets, you know, and not to say that a song can’t be an asset, but it’s just so much diversion with that. And I had to get out of it so much.
It’s a destructive lifestyle. I had to get away.
[Mattias]
No, that makes a lot of sense. I think I found it interesting as well for me that how much, uh, creativity I could express or, or, you know, have that side of myself be expressed when I got into like the entrepreneurship kind of, you know, real estate sales or whatever. There’s, there’s a lot of different angles for that.
And I saw something I would have thought of, you know, when I first started that I could be able to get that side, uh, because I feel like I need something, an outlet of it, you know, always. Right. And yeah, so I thought that was cool.
[Kris Haskins]
You need to do it. The universe, the universe is creation. I mean, that’s what it does.
Well, we said that stardust is inside of us, man. So we can keep growing, keep growing and making new things. You got to get it out.
[Mattias]
Yeah. Chris, when you, if you were to, you know, aside from joining your community, um, if somebody was getting started and wanting to know more, uh, do you have any fundamental books or any just mindset business books, books that you’re reading right now that you’d recommend to somebody?
[Kris Haskins]
Yeah. I’m reading atomic habits. I can’t remember who’s from James clear.
James clear. Okay. Maybe it is that, let me see.
James clear. How to quit your bad habits. Maybe he’s got that too.
That’s right. James. What?
Yep. You got it. You got it.
That was who, not how stop trying to do, learn how to do everything and just work with people that know how to do it. And that’s those two, I would say, man, if you can get those two down, I didn’t know what those habits, I had no idea how these habits are formed and all that stuff. I’m like, okay, I need to really retrain the way I’ve been thinking.
So those two, and obviously I got to put a plug in for myself. If you’re a new investor, the best negotiating book is the real, the, uh, the real estate negotiating Bible. It wasn’t, it has been number one on Amazon, but if you need to learn how to negotiate and I don’t know why it’s challenging for some people to just have a conversation with a homeowner, I’m like, they ain’t going to kill you.
I have not yet had one homeowner stabbed me, threatened me. You know, they, all they can say is no, not to sell you the house. So you open your mouth and you’d be surprised, but you wouldn’t even believe the deals that I’m sure.
Well, you’re an investor. People will give you a hundred thousand dollars worth of equity. If you know what to say to them, you know?
So those three, I would get those today.
[Mattias]
But so is that your book? Is that what you’re saying?
[Kris Haskins]
Oh, nice.
[Mattias]
Cool.
[Kris Haskins]
So the real estate negotiating Bible, it’s right there. Amazon, you can get it. If you want to get the audio, you have to email us, but you got to learn how to negotiate.
You can have the best deal in front of you, the best leads, but if you don’t know how to close them, man, you ain’t know that.
[Mattias]
Awesome. Yeah. Cool.
And if anybody else wanted to reach out to you or get more information about you where I see your websites there, what else? Social media, anything like that?
[Kris Haskins]
Yeah. The best thing is YouTube. That’s what I use.
I live on that. I’m on there all day and you comment. Most people, we just communicate on the comments on the videos.
We get a million minutes a month watched time and I just get to meet some amazing people, money people. That’s a great way to raise money too. If you need money for real estate, get your social media popping, man, money will show up.
[Mattias]
Cool.
[Erica]
Great. Thank you, Chris. This has been a pleasure.
[Kris Haskins]
It’s an honor with you guys. Thanks for what you’re doing.
[Erica]
Thanks for listening to the REI Agent.
[Mattias]
If you enjoyed this episode, hit subscribe to catch new shows every week.
[Erica]
Visit REIAgent.com for more content.
[Mattias]
Until next time, keep building the life you want.
[Erica]
All content in the show is not investment advice or mental health therapy. It is intended for entertainment purposes only.
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