Digital Social Hour - How Mid-Term Rentals Can Make You Financially Free | Jason & Jacky McClure DSH #1206

Episode Date: February 27, 2025

🔥 Jason & Jacky McClure on Mid-Term Rentals, Financial Freedom & Finding Purpose 🚀 In this episode, we sit down with Jason and Jacky McClure, real estate investors and founders of Vetted Homes, to talk about mid-term rentals, building passive income, and living a life of true freedom. They break down: ✅ How insurance-backed rentals can generate massive cash flow ✅ How they built their real estate business while homeschooling four kids ✅ Why giving back is the key to fulfillment Whether you're an investor, an entrepreneur, or looking for a better way to create wealth and impact, this episode is packed with game-changing insights! 📲 Follow Jason & Jacky & Learn More: 🔗 Website: VettedHomes.com 🔗 Instagram: @jasonandjacky ⏱ CHAPTERS ⏳ 00:00 – Meet Jason & Jacky McClure: Mid-Term Rental Experts ⏳ 03:10 – What is a Mid-Term Rental & Why It’s the Best Investment Strategy ⏳ 07:45 – How Insurance Companies Cover Mid-Term Rentals ⏳ 12:30 – Why Mid-Term Rentals Are More Profitable Than Airbnbs ⏳ 18:00 – Moving from California to Texas & Building Financial Freedom ⏳ 25:50 – Giving Back: Mission Trips & Helping Communities ⏳ 32:15 – The Reality of Wealth & Why Money Alone Won’t Make You Happy ⏳ 38:45 – Investing for Time Freedom Instead of Just More Money ⏳ 44:00 – Lessons from Adoption, Parenting & Building a Strong Family ⏳ 50:30 – The Future of Real Estate & How to Get Started in Mid-Term Rentals 🎙 Sponsored by Lumati Red Boost your health, energy, and recovery with Lumati Red – the ultimate turmeric formula for pain relief and inflammation support. No pills, no hassle – just powerful, fast-acting results! 💪 Get yours now at Lumati.com and feel the difference! 🚀 🔥 Apply to Be on the Podcast & Business Inquiries: 🎙 APPLY TO BE ON THE PODCAST: https://www.digitalsocialhour.com/application 📩 BUSINESS INQUIRIES/SPONSORS: [e-mail]

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BED-MGM operates pursuant to an operating agreement with iGaming Ontario. So fulfilling, so enjoyable. I remember this one time I was driving that Porsche and we were in like downtown LA and there was a homeless guy and I got into my car and he's like, that is an awesome car. I'm like, you want to go for my car and he's like that is an awesome car I'm like you wanna go for a ride? He's like no way and I'm like yeah hop in he goes in he's like hey can you go around the block my girlfriend's over there I want to wave to her while we're driving by I'm like absolutely that's funny but at the end of the day what's a thing to enjoy if you're just you know if you're just enjoying it for yourself and not not sharing it with anybody

if you're just you know if you're just enjoying it for yourself and not not sharing it with anybody all right guys from Dallas we got Jason and Jaclyn here we're gonna talk midterm rentals and life thanks for coming on guys come on thanks for having yeah this is a space i know nothing about so you're gonna have to start from the basics with me what exactly is a midterm rental so midterm everyone knows what a short-term rental is right that's basically 30 days or less a midterm rental? So midterm, everyone knows what a short-term rental is, right? That's basically 30 days or less. A midterm is going to be anything that falls into 30 days or more. So you get to a furnished, all the same stuff as a short-term, but 30 days or more.

And you get to avoid blocks like HOA saying, we don't allow short-term rentals, we don't allow any rentals less than 30 days, we get past that a lot of times. There's some crazy HOAs that are trying to do something like nothing less than a year now, but it's really rare. But yeah, basically we're providing housing,

and we specialize in the IMTR market, which is insurance midterm rentals. So let's say like you take off, you're in New York for the weekend, you come back, and you're like, my toilet, just all the water's on the floor, the filler just leaked or whatever it is. And you have a potential mold problem, you're like, what do I do?

You call your insurance, and they're like, okay, we're gonna move you to another place because there's mold hazard, or there's just too much construction to do you can't be living there and wherever you go to that's what we're trying to provide housing for. Got it yeah it sounds like it's less headaches right? A lot less headaches. We've done long term. That's the favorite part about it. The tenants. We've done short term. They're amazing. They're homeowners so it's like we love we love the tenants. That's our favorite thing about IMTR, more than the money. Right, because their homeowners are looking for an in-between spot to stay while their new home's done, basically.

They are. And they're people that are nearby. They generally want to stay someplace that's near their kid's school, near their work, whatever. And they just want to stay there until their home's done. So they're not trying to squat. No one's squatting. They're not even paying out of pocket,

because it's coming out of their insurance. Oh, wow. So they're just happy to be someplace. And we try to provide the nicest place possible. Yeah, that's legit. I didn't know insurance companies were covering this. Yeah, absolutely. So we call it a win-win-win.

The insurance company wants to get them taken care of and get them out of the house while repairs are done. And then they themselves, they just want a nice place to land in while their home gets fixed up. They want convenience. We want them to walk in and be like, yeah, I'd love to stay here. And then us, we love taking care of them.

And then we make great money doing it. Yeah, that's cool. You guys do this in Dallas? We do. Yeah, we've done it in, I think, five or six states. We pulled back this last year and consolidated a little bit. We've done it in Florida, Indiana, Ohio, Tennessee, California. California is where we started from kind of- I don't get LA vibes from you guys at all. That's why we're not there anymore. It's down there and we got roots, but yeah, we've been in Fort Worth.

Let's get Grant Cardone in there and turn it around and we might just get by a place there again in half a year. I was there during COVID and I hated it. Oh, that's when I moved there. We moved in January, 2020. So right when it started? Just before. Just before it it. Oh, we moved in January 2020. So right when it started? Just before.

Just before it started. Oh, before it started. Literally two months before. Wow. Because lockdowns dropped in March. Yeah, talk about good timing. Oh, best timing. Because you would have been screwed

if you waited two months. Done. And I traveled there a number of times just because we still had family there, we still had business there, and it was the worst. I mean, couldn't even do anything without it. I moved there at the worst time and I lasted five months and then I came to

Vegas. It wasn't planned. I drove here, stayed at the MGM for a month, looking for a house because everyone was leaving LA to move to everywhere. So it's hard to find a house around that time. Super hard. I remember my best friend visited from California to Texas in 2021 and she brought her new baby that was born in 2020 and she's like, oh my gosh, he has never seen people. He's never been out. Like we went to a restaurant.

It was like, it's his first time at church. It's his first time here. I'm like, dude, he's almost a year old. But it was, it was such a paradigm shift because Texas, we were like living pretty much normal. Yeah. Texas and Florida handled it well. Yeah.

You guys could do whatever you wanted, right? I mean, I was honestly, I was a bit surprised on that they still had restrictions that were as strong as they were. I was expecting Texas to be totally free. Yeah. And there was legit like quarantine recommendations. I would say when the uncertainty was there,

which I mean, we all were like, what's going on? It was a couple of months. The first few months, yeah. Yeah. It was a couple of months. Yeah, yeah. It was a couple of months. It was reasonable. And I was kinda thinking, this kinda feels like California.

But when I went back to California, I was like, okay, that is not California. Yeah. This is California. Yeah, kind of. I remember her brother came out to visit in the middle, it was like a year and a half in or something. Yeah.

And he came to visit from California. And he's like, we took him to a restaurant, the barbecue spot. Barbecue. And it's filled with people, no one's masked up. Band is playing. Employees aren't masked up, nobody. And he's like, I just, I don't know what to do right now. Like this feels crazy.

And then he moved shortly thereafter. Oh, he moved there? A lot of people moved to Texas. Never thought he would, but my whole family moved slowly, but surely, and his mom just moved last weekend. Wow, real estate went up a lot, right, in Dallas? Too much. Too much? Yeah. Well, you got in Wow. Real estate went up a lot, right? In Dallas? Too much. Too much?

Yeah. Well, you got in at 2020, so you're probably chilling, right? But we keep buying, so. Oh. We're buying. Yeah. Plus the interest rates.

Yeah. Yeah. What is it, 7% now? Yeah, it's around there. We do some sub 2 stuff to kind of avoid that, but. Shout out to Pace. Yes. Yeah.

That stuff is crazy. Yeah, it's amazing. Sub 2? It's great right now. So you were able to- Not know what's possible. Yeah, you guys were actually able to get a house using that strategy? We got two last year.

Wow. Yeah. Because I tried out here and I couldn't do it. What? Man, you got to stay on top. Well, my price range is too high, I think. Oh, you're trying to get it for your homestead. For my home.

Gotcha. Yeah. So when they're over a million, I feel like it's harder. Yeah, it's harder to cherry pick. That's what I told him. I'm like, well, we'll just take what we can, find the good stuff for rentals. And then when we want to find whatever we're looking for,

we're going to have to just find it on MLS. Yeah. Because it's too, you'll wait forever to find the right. And if something does pop in, you've got to be in the first thing. Be quick, right? Yeah, you've got to be on top of it. Yeah, because it's probably competitive now,

because Pace taught thousands of people that strategy. There's so many people. I mean, she posts something in the group group and like five of our friends are like, I saw you posted something. I know, like right away. Oh the Facebook group? You guys got a group? Oh, um... Pace's free group. Oh, and Pace's group, yeah. I don't know if you follow that one.

I think I'm in there, yeah. Real estate with Pace Morby. Yeah. Amazing group. I'm actually going to his event next month in Dallas. Oh nice. We might be Morby. Yeah. Amazing group. I'm actually going to his event next month in Dallas. Really? Yeah.

We might be there too. Yeah. March 28th, Jordan Peterson. Oh, that's right. We're not going to be there because we're going to Turkey on that actual day. Turkey? Flying out.

Whoa. Why are you going to Turkey? We're leading a missional trip to Turkey. So we're taking all of our crew, our family. So six of us. We have four kids, one on the way. Congrats. And then thank you.

And then we're leading the team, some of them coming over from our church, some just, someone coming over from Australia, we got a team over from like North Carolina, California, just kind of a nice spread, Louisiana, and we're just gonna hit the ground out there, we're gonna land in Istanbul, we're gonna be out there about two weeks,

something like that, maybe just under, we're gonna hit Cyprus and just pour into the local community, bless them as much as we can, bring goods, and just bring love, and then we're gonna ultimately spend our last week in Hatay region, the southern region. Where the earthquake was, if you remember, a couple years ago. Yeah, Ruggi.

Syria. And there's still a ton of refugees and still a lot of rebuilding, even from two years ago. Wow. And we're just going to help build tiny homes and just love on the people there. You guys really give back. It's impressive.

You don't have to do that. I think that's what life's about, you know? Part of our calling for sure. Yeah, but I think it's everybody because you see, you talk to enough people that are, that are really wealthy. Yeah. And at some point nothing brings fulfillment anymore. And you see the only thing that they have left to turn to is like philanthropic, you know, the only thing that they have left to turn to is like philanthropic exercises. And so they're trying to find some way to give back.

And I think that's just because you're not really gonna find fulfillment in finite items. You can be a car guy, I love driving, I love cars. But I mean, let me give you an example. When we were first married, we were not well off at all. And we were looking for a car, I thought we were gonna get a Volkswagen. And we found this car, it was this special Porsche Boxster,

it was on eBay, it was way like, it was like a dream car. But it was like an hour drive away, and she's like, we should go drive out and check it out. And it was the same price as like, yeah. He was listening at the same price as the Volkswagen we were looking at, right? So I'm like, let's go check it out. So we go out there and the guy's like,

do you wanna test drive it? He's like a boutique dealer. I'm like, yes, please. So I jump in, I'm like, this thing's wild. So he tells me about it. He's like, I don't know where this thing came from. I got it on auction. Nobody knows where it came from. I pulled some part numbers and they're like German part numbers.

I don't know if it was just some rich guy that sent the car over to there and brought it back after all the work was done or what. But you know, it is what it is and nobody was bidding on eBay. And it was like pristine condition. So we did a handshake deal. We didn't have funding, nothing. I didn't even know how we were gonna pay for it. Handshake deal, 23,000, right?

And we go back and I'm like, okay, we gotta find some sort of funding for this, some way to like pay for it. And sure enough, we got funding, but one night I was up late and I'm like, if this car is something, like, it's someone in the community's gotta know something. So I'm like pulling if this car is something, someone in the community has got to know something. So I'm pulling up Google Search, looking for black Porsche

boxsters. And I see a picture in Google Images. And I'm like, this is it. Click on it. Sure enough, it's it. It was the cover car for European Car Magazine, June 2002, or something like that. And it said everything that was done to it.

It was built by this guy who raced for Porsche in Le Mans one year and it was his kind of fun track car. Court Wagner, shout out. Shout out, yeah, never met him but shout out to she built this great car. It was a 911 engine transplant, GT3 suspension all around. We're talking about like 75 or $100,000 in upgrades. And we did a handshake deal for 23,000.

What? And so the guy calls me the next day, and he's like, hey, I found the car. I know where it's from. I'm like, really? He's like, yep. There's an article on it. I'm like, kidding me.

He's like, European Car Magazine. He's like, but because we made the deal, I'm an article on it. I'm like, kidding me. He's like, European Car Magazine. He's like, but because we made the deal, I'm going to honor it. And that's how we got it. But all I have to say, I ended up with this car that I didn't deserve. Shout out to my wife, who encouraged it. She's crazy like that, and I love her. But I used to drive.

I was a trainer at this point. I was working at an upscale gym in North LA County. And I would drive that car once or twice a week. But if I drove it like four or five times a week, like it was just, it felt like overindulgence. I just didn't enjoy it the same amount. And I think that's what it's like when you're just constantly trying to find fulfillment in things,

because you get to the, it's like, it's like you're climbing this ladder, you get to the top and like, what's there? Like nothing, so you gotta find something else. And you're continually climbing ladders. But you know, I think there's like this longing in our heart or you can say like a hole in our heart, something that's lacking.

And we're continually trying to fill it with finite items But we never reach the the true fulfillment. There's a temporal happiness, but not a long-term Yeah, and I think you only get that in relationships I think horizontal relationships and then vertical especially and then and then pouring out and using these things just a lot of people they think that These finite items that they're chasing after are like the end. But in reality, it's a terrible end.

It's like they make terrible master, but great servant. And so if you can use these things to build into other people, bless other people, then man, it's so, so fulfilling, so enjoyable. I remember this one time I was driving that Porsche and we were in like downtown LA and there was a homeless guy and I got into my car and he's like,

that is an awesome car. I'm like, you wanna go for a ride? He's like, no way. And I'm like, yeah, hop in. He goes in, he's like, hey, can you go around the block? My girlfriend's over there, I wanna wave to her while we're driving by. I'm like, hey, can you go around the block? My girlfriend's over there, I wanna wave to her while we're driving by. I'm like, absolutely.

That's funny. But at the end of the day, what's a thing to enjoy if you're just enjoying it for yourself and not sharing it with anybody? I think it just leads nowhere. I love that. Yeah, I used to have a phase of buying material goods, but I'm over it now.

It's not like sustainable. It's not, it's not. Yeah, I bought watches, cars, and yeah, it didn't bring any long-term happiness. That's the thing. It's like, you never arrive at a, whether it's a car guy or a real estate guy or whatever, you never arrive at a point where you're just like,

I have enough now. Yeah, it never ends. It keeps going on and on and on. And then at some point you just gotta realize, the purpose is not found here. Yeah. It's just a means. That's why I'd rather spend money on experiences.

Absolutely. Over physical items. 100%, us too. Yeah, yeah. Nice little vacation or something out of town, you know? Yeah. Little staycations sometimes in Vegas. Yeah.

Those are much better ROI's. I'm an introvert too. Oh yeah? Social introvert, but nonetheless, I need that personal time. But I think with- Also getting married, like you're about to get married.

Having kids, like that's deeply meaningful. For sure. And I think our society, our culture is coming back around to realizing that. Because probably for the last like 50 years, it's been like, pursue your dreams and kids get in the way of that and all that. And we're kind of realizing like,

oh wait, there actually is something deeply spiritual and meaningful in doing these traditional things. Yeah, I saw that a lot with my generation. A lot of guys I grew up with didn't want kids, but now I'm messaging them and they want kids. But in their young 20s, they definitely didn't. And it's wild, right? Because now they're older and now, you know, there could be complications or it could be hindrances or it's not as

easy. Right. Yeah. They waited too long. Some of them, because some of these women now at 35, 40, they can't really have kids as easy. Right. Right. Totally. When I met her, she didn't want kids. Oh, really? What made you change your mind? I was in that same category because I was also very like already entrepreneur and Totally. When I met her, she didn't want kids. Oh, really? For sure. What made you change your mind? I was in that same category, because I was also very already entrepreneur, and I want to start my own business,

and I want to do this and that. And I just, I don't know, I kind of bought into the whole thing. The Earth's overpopulated anyway. If we're going to have a kid, we should just adopt one that's already in existence. Why do we need to make more? Probably a little bit of the, like,

I don't want to get pregnant and get big and, like, birth a baby and all that. Probably a little. But yeah, I just had a shift. I think one day a friend of mine, when we were living abroad, we lived in Shanghai six years, and just on a walk with one of my girlfriends. And she's like, so when are you guys going to have kids?

And this and that. And I said, oh, I don't think we really want kids we're just really content we travel so much we have so much fun together and she said like wow have you prayed about that have you asked God about that and I was just like I'm a strong believer I asked God about all kinds of things I'm not asking him about this I was like I've already made up my mind what do I need his opinion for and then so it kind of just led me to think journal about it think about it more pray about it and boom heart shift and then we adopted our son oh wow after so you adopted the first

one yeah from China from China well I have an adopted cousin from China yeah you look like you could be like one quarter. I'm half. Half Chinese? Yeah. Wish I was only one. I wish I could speak it. Aw. My mom's biggest regret is not teaching me Mandarin,

actually. Yeah, but she was born there. And she came here with $20 and worked her way to become a self-made millionaire. American dream. Come on. Yeah. $20.

Have you interviewed her? We need to watch that. She's coming on. Yeah. She'll be my 1,500th episode. Oh, yeah. Dude, 20 bucks. She's coming on, yeah. She'll be my 1500th episode. Talk about how she raised me and why I am the way I am. Cause she was a single parent household actually. So she did well I think.

Oh yeah, you too? Yeah, my mom, well when I was, I was conceived non-consensually. Damn. Yeah. Holy crap. And my mom was 17 years old when she had me. Geez. And she's first generation.

So her mom was from Argentina, Buenos Aires, and her father was from Italy. And she was dating somebody kind of short term, not for very long. And one night this thing went down. It was not consensual, not necessarily violent, but it was a no. And then that was her first time having any sort of

sexual experience whatsoever. Holy crap. And all of a sudden she got pregnant. That was her first time having any sort of, you know, sexual experience whatsoever. Holy crap. And all of a sudden she got pregnant. And when she found out, her dad was pretty livid with her. With her? She was like the black sheep at that point. Wow. Even though obviously it wasn't her choice,

but they were kind of a traditional Catholic family, and she was kind of looked at as like the outcast. And so she would go to school, come home, and then she'd be relegated to her room after school. And so she was thinking, you know, there's no way I can have this baby because if I don't have support, you know, from my own father, then what am I going to do? And she was never, she told me she was never thinking abortion, but she was definitely thinking adoption

is probably gonna be the answer. And then she said one day she was sitting in her room and she heard the audible voice of God and she wasn't religious. And he said, I love your baby, and if you keep it, I'll take care of it. And so at that point she decided, all right, I'm keeping this baby. Holy crap. And she was a great mom and then you know

he did he's he's taking care of me he takes care of me I mean he I've been blessed beyond belief I think he takes care of everybody but you know there's special themes on people's lives and and looking back in hindsight like I see it I see times where I you where things should have been different, but I was spared. And she met my dad that raised me when I was about three. And that's who I called Dad. He ultimately adopted me.

And I carry his name. And I love him. And he taught me discipline, hard work, lots of things that I didn't have. And then I ended up meeting taught me discipline, hard work, lots of things that I didn't have. And then I ended up meeting. Working on cars. Yeah, lots of things. That's a good skill.

Hey, I can't replace that one. Bro, it's true. Seriously. That was true. And then I ended up meeting my biological father when I was 30. Oh, you met him? Yeah, I did.

And then I found out that I have another brother and sister. Wow. That's the brother and sister that I was raised with. So you made amends with him? Or how was that? I did. I never had enmity in my heart towards him. And I also don't have father problems.

I don't feel like, I never felt like, oh, man, who's my biological dad? I need to find him and fix something, or heal these wounds. I think, and it goes back to that promise that was spoken over me, I have always been taken care of, and I have so many people that have been spiritual fathers to me,

and functionally fathers to me, and they've even, so many people have called me like a son. They call me their son or like a son. I mean, I'm talking about more than a handful of prominent people in my life over the years, in addition to my own dad that raised me. So I think it wasn't hard for me to meet him. It's not hard for me to maintain a relationship with him.

We're very different, but we're alike in some ways too, which is kind of crazy. But yeah, I mean, I think, you know, it's tough walking around with bitterness and I don't think there's any way to live. Some people say, like I've heard said, being bitter towards someone is like pouring a glass of poison for the person that you're bitter towards and then drinking it yourself. And expecting them to die. Expecting them to die.

No, I see that. That happened with my dad. You with your dad, yeah. Yeah, so divorced at 10, but we were close. But his problem was with his parents. He got physically abused. He grew up on a farm and he never forgave. So this bitterness you're talking about,

I saw it every day in him. He never forgave his parents. And the night his mother passed, she came to me in my dreams. Yeah, she's never been in my dream before that. And I was holding her hand trying to find my father. She wanted to say goodbye. But because he was so closed off and never forgave them,

they didn't get a proper goodbye, which is super sad. So like, he passed away now. Yeah, but I saw, I know, he was 64, but man, he had a lot of damage from that childhood. Some people just never recover, I think. Has that shifted something in you, that experience? Made me want to become a really good parent, hands on,

and just a better partner with my fiancee honestly because I saw the trauma they fought a lot my mom and my dad so I had memories of them just screaming at each other I got one vivid memory of them pulling on each arm of yours yeah and making me pick who to hang out with that weekend so that's a big one I have so just being around that environment definitely stuck with me because that stuff doesn't leave you you know when your child yeah yeah it's tough wow but I learned a lot from it yeah yeah divorce is tough well I know it's a full-time job being a parent so I'm gonna definitely be prepared for that when the time comes. It depends how you want to do it but

like with him I was like if you're gonna be at a nine to five all day every day I do not want to have like kids I just can't do all the things by myself. Yeah it's tough and you guys have five right four? Four? Yeah. Four kids. One on the way. Wow. How many were adopted? Just the first one. As a matter of fact, how long after we committed to adopting him?

Five days later. Five days later. Whoa. So we said yes to adopting him, and he moved in. And then five days later, found out I was pregnant. Wow. So nine months later. Holy crap.

In China. Wow. You guys were there for six years, huh? What were you doing out there? You know, it was just the answer to a prayer a simple prayer we got married in 2010 in Malibu, California and When I proposed to her she was living in China. She graduated Pepperdine flew out there was living out there. She's crazy She knew a person and she was just living And we came off this crazy hard breakup, and then we started talking again,

we thought we'd never talk again, and then all of a sudden things were healing up, and then I flew out there, and I surprised, proposed to her, and she said yes. Oh wow. Yeah. Right after a breakup? Not right after a breakup, no.

It was like six months or seven. We had five months we didn't speak a word to each other. Damn. And I thought we would never speak again. It was heartbreaking for me. Because she was actually my first real only girlfriend. Yeah. I mean, I just had extremely high standards

and like never dated, I got close to dating two people in my entire life before that. And so when we broke up, I thought she was the one for sure. And then I was just, every morning I woke up, I'm like, oh. Like, oh. But God was good. He was nearby.

I think he's near the brokenhearted. It's a promise in Scripture. And so anyway, things happened on both of our ends. And then right before she moved to China, she reached out to have a in-person meeting. And at first I said no, and then I recanted. I said yes. And then at the end of that meeting,

I remember it was supposed to be like a pretty short meeting, half an hour or something, an hour. We talked for like three or four hours. Dang. This place, Alcove Cafe, right? And we had cheesecake. I love cheesecake. Oh, cheesecake, And we had cheesecake. I love cheesecake. Oh, cheesecake, sorry.

Our wedding cake was the cheesecake. Oh, you got me. Thinking about my wedding cake now. Come on, bro. Oh, you have to do it. I love cheesecake. Oh, yeah, yeah. It was the best.

Nobody knew it, too, because it was... I'm gonna tell my fiance after this. Bro. So, at the end, man, we were talking, like I said, three, four hours, and then she's like, so, can I stay in touch with you? And like my mind's going no, no more heartbreak. And then I just, I watched it come out of my mouth.

Sure. I'm like, what did I just say? But that's how we started talking again. And then so after she moved out there, we talked for a good couple of months. And then after that, I was like, okay, she's the one. Like we both kind of know that this is what's gonna go down. So I flew out there, no notice,

didn't tell anybody except for our families. I asked her dad and her mom for her hand in marriage. Wow. Yeah, they both, gay mates, and her brother and sister. Wow, you asked four of her hand in marriage. Wow. Yeah, they both, gay mates said yes. And her brother and sister. Wow, you have four of her family. Yeah, and then I told my parents, and then I flew out there.

My clients were like, they showed up, and I wasn't there, I had a replacement trainer working, training them those days. And I had this whole day planned out for her, and it was being filmed by a friend of ours. She thought it was a production for something in China. Smooth. Yeah, so the whole day I sent her things to do,

this roadmap to follow and money in envelopes for her to spend at these places and then it ended at this restaurant. Overlooking the Bund. Three on the Bund. Three on the Bund. And she's there and she's text messaging me and she's like, man, this is so nice. I just, it's kind of sad because it's the food they're starting to serve

me now. Food. It looks so good, but it's, I just wish you were here. And I'm like, oh man, I wish I could be there. He walked in and then I was, Oh my God. You were singing. I was, and I'm not a singer. Wow. Ever, ever sang to me, that was the first time. So she said yes, we moved back to LA and then we just, we moved into my condo. That's kind of what started us on the IMTR gig ultimately. But we moved in there, we were working a job. She was teaching Mandarin Chinese at a private school.

I was training and teaching PE. I had a really cush job set up with the best clients ever. And then she's like, all of a sudden one day, she's tugging on my sleeve. She's like, I don't think our time in China is done. Like, I really don't. That started like even like before we got married. Oh, hinting at it.

Well. And I'm like, oh babe, that's, this is not something we can just try. Like I got eight years worth of clients that I'm still with, and this really good set up. And so I'm like, well, if we're gonna do this, let's pray about it.

We gotta pray about this and let's just give it to God. So we just said simple prayer, Father, we'd like to go back to China. And we asked that if it would please you, you'd open up a door for us. And if not, then we'll stay in LA. And that was it, that was the prayer. And we didn't have too much money back then.

We put aside $500 a month just in case to be able to fund us to get out there if it were to go down, but we didn't know. And I don't know if it was three months or four months or five months. It was pretty shortly thereafter. Friends of ours from Shanghai reached out. The husband was Taiwanese,

the wife was Indonesian Chinese, but from Toronto. And they're like, hey, we're gonna go back to Toronto because we're pregnant, we're gonna have our first child there. And we're just thinking about you guys and wondering if you guys wanna house it for the summer. Like, you just stayed at our house. And they didn't know what our prayer was.

We didn't tell anybody. They didn't have a clue. And I'm like, it's so obvious. People were like, were you scared? Like, how could you just leave everything? But like, we asked for it. A door opened wide up. Literally a door.

They have tons of... They could ask anybody in Shanghai to house it for them, but they asked us in LA. Wow. And so we just dropped everything and moved out there. And we thought it would be indefinitely, but we ended up staying there for six years. And then we came back with our son,

our daughter who was born there, our first daughter, and then two dogs, two whippets. Oh, what caused you guys to come back? Was it another prayer? It was actually- The adoption. It was the adoption. Yeah, it was a pretty tricky adoption that we had to do.

The one in China, the first one? Yeah, yeah, the adoption of our son. So we were disqualified from adoption on two counts. And so we had to like finagle the system. China's now closed adoptions, international adoptions now. Oh wow. Such a bummer. I wonder why they did that.

I don't know, but I'll tell you what, adoption is just a laundering scheme. It's crazy. No way. Oh yeah. It's so much is just a laundering scheme. It's crazy. No way. Oh yeah. So much money. It's an industry. It's terrible.

They would tell us, and I'm sure it's everywhere, if it's this way across the globe, but they would tell us like, okay, so here are the steps that you're gonna do. You're gonna go to this place, make sure you bring crisp $100 bills and this amount of them to give to this person. What the heck?

That's weird. That was like 30 or $40,000 at the end of it. What the heck? That's weird. I was like 30 or 40 thousand dollars at the end. What for one kid? And you're taking you're taking a kid off their payroll right? Exactly. I mean holy crap. And he was special needs, brain injured, severe, hypocephalus. Oh did you know that? Yeah yeah we knew we met him before we yeah. Yeah we knew him beforehand. Yeah the one my my cousin was brain injured too, but they didn't tell my aunt. Yeah, they hid it. That's the worst.

I don't know if they knew, but yeah, she had a bunch of mental disorders and stuff. But another little fun financial aspect of it was literally we got Mateo, that's our son, we got him into our house in December. We were watching him in December, fostering like we hadn't decided to adopt him yet because we thought he was being adopted by somebody else. And it was January 1st that we got our first IMTR client.

So we went from renting long-term, getting like 1500 or maybe 2000 a month. Negative cash flow. Oh, it was negative cash flow. Yeah, because we were upside down. It was right after the crash. I had refinanced at the height of the market. Oh, a crash?

Uh-huh, exactly. In North LA County, a condo, less than a thousand square foot. And then I refinanced at 330, 330,000. And then it dumped and I was super underwater. Damn. The estimate was like 150 or something. Holy crap. It was so bad.

It was crazy. Maybe it was 200 or something. No, it was in the ones. It was in the ones. Damn. It was bad. I mean, maybe it was 200 or something. No, it was in the ones. It was in the ones. It was bad. I mean, everyone was like, bankruptcy or foreclosure, whatever. So at the same time, so then our long-term tenants after years wanted to break their lease early

and leave by January 1st. And just so happened, this crazy fluke, there was a gas leak in the Valley over and Southern California gas was paying like billions like of dollars to rehouse thousands of families in neighboring areas and so my mom found out about it was like you gotta get your condo on the list maybe one of these insurance companies will rent your house and it just so happened because his sister is one of the runnersters we left that house like half furnished when we moved to

China we were like is it cool if we just leave all the beds and you know you can rent out the rooms whatever and so at the same time we get this boy that we say yes to whose name is Matteo a gift from God but then it's like a gift that you have to pay you know $38,000 for. But then we got this IMTR contract that was supposed to be for one month, two months to start. Two months to start. Two months to start.

And it was, they gave us $7,000 a month and they ended up paying five and a half months. Holy crap. We made more money than all the years combined, you know. Wow. But like that amount also just dollar for dollar was like, oh, that covers the adoption. And I was thinking, a gift from God. And people were pouring in.

Yes, his foster family blessed us. Wow. It was really, really good. I wonder if Cali's doing that right now with the fires. Are they relocating people? They are, definitely. The tough part with some of it is when you have like, well, the North Carolina stuff in the FEMA

involvement with insurance and then with like Southern California It's hard because this section in your home insurance and you could check if you own a home It's called the additional living expense or it's the category D category D And that is how much you have to like Should something happen to your house and you need to go somewhere? That's how much you have to spend somewhere should something happen to your house and you need to go somewhere else, that's how much you have to spend somewhere else, including anything that would be outside of your lifestyle. So if you stay at a hotel, that's fine.

But then it's like, you can expense dinners there. You can expense all these things because you don't have a kitchen. You could have your laundry sent out because you don't have a laundry room or whatever. So that usually people are like, oh,, 100 grand in there? That's fine. When we first bought a house, we were like, $100,000 in ALE? Great. Sounds like a lot. Because if something's going to happen to your house,

you're thinking, I'll be out for three, maybe six months. I could find a great Airbnb for eight grand, nine grand. No problem. With the fires, not so. Because if you had 100 grand in there, now you have to make that last two years. or however long your rebuild period is right which is gonna be wild they might they're saying three to five years and you're in one of the most expensive counties so like there's no Airbnb's that you can get

for seven grand in that area so now it's yeah it's it's a little tougher of a situation wow so that's a good thing to know can you raise that or is it set up absolutely and it's not much money to do. Can you raise that, or is it set up? Oh, absolutely. And it's not much money to do it. So now that we know it, we're always like, how much is it to go to 200k? How much is it to go to 300k? And usually it's like $20 extra a month.

I need to look into that for my house. Wow. Sure. That's good to know. What's that called? ALE. ALE, OK. Inational Living Expense.

Or category D, they call it. That's good to know. Wow. Yeah, everyone that owns a home should be interested they call it. That's good to know. Wow. Yeah, everyone that owns a home should be in that. So everyone thinks it's a day right now for IMTRs in LA, but it's actually not. Oh, it's not? No, because their ALE budgets are 100,000 or 200,000

or whatever they are. I would say like 10% of people had the coverage they needed. Very, very. And then other people had second homes and third homes, so they're like, okay, well that's fine, we're gonna rebuild, we're gonna go to Florida. And then they'll just take every penny of their ALE for themselves,

like they'll pay themselves rent as much as they can. That makes sense. But you see a lot of people renting rooms and stuff because they just know their budgets can't last too long. Yeah, hotels are overbooked, yeah, it's crazy to see what's happened. What happened in North Carolina, did people have coverage there with the floods or no?

Oh, bro, it's crazy to see what's happened. What happened in North Carolina? Did people have coverage there with the floods or no? Oh, bro, it was a bad situation because so many of them didn't have flood insurance. Oh, wow. Because there was no flooding there. You're in the mountains, right? Yeah, good point, yeah. This hurricane comes through and there's mudslides

and crazy water everywhere. I mean, we went out there, I took a group out there probably a month or a month and a half after it happened. And it was bad. Trees down everywhere, onto houses, through houses, mud slides into houses. Like you're just mucking and it's nonstop. And this mud is like quicksand, it's crazy.

And people are just like, insurance isn't doing anything because we didn't have flood insurance. You would have to have like a specific, it's like, oh, we see there's like wind damage that caused this. So there would be like little loopholes. Yeah, yeah.

If your roof blew off due to the wind and that could be considered, but if it was flooding or if they consider act of God, it was like, oh no, you're in FEMA's hands and then we all know how that. FEMA gives you 700 bucks. Yeah. Yeah, exactly.

Yeah. What's his name, Matt Von Swole, that we follow on X. He's been like the X guy that talks everything about North Carolina. It is just shocking. I mean, there's some people that still haven't received their $700. Have you guys been seeing all this Doge corruption? The social security one was crazy to me.

Did you see that one? What was the specific on the social security? It came to me did you see that one came out like two days ago basically there's millions of people though it wasn't just like a couple people there was one guy that was 350 I think like I want to meet that guy we just saw a meme yesterday. It was like, meet Fran. She's having a rough time right now. She survived the Titanic. She watched her husband dump tea into the Boston Harbour.

Yeah. And now she lost her social security. She lost two sons in the Civil War. And now the administration's taking her social security away. Crazy. That's where our tax dollars. So you know, like, the dead people voting too. Yeah.

In the last, like, several elections, there's a lot of dead voters. Yeah, and no one did anything about that. I'm like, it has to be... Well-funded. Well-funded. We see that it's been well-funded. Yeah.

I think everybody kind of knew that there's stuff going on. We knew, but not this bad. And to see actual numbers now is like, we're no longer conspiracy theorists. Like there's facts and data out there now. So it kind of feels good in a way too that it's finally being exposed. Shout out to Elon though.

Trump's probably gonna help your guys real estate market out too, right? I think so. We do think so too. That's why we kind of, even though interest rates are high, we're still not scared to buy right now because I'm like, I think we'll be able to refinance in the next year or two, like, and then cost segregation I'm sure is going to come back a hundred percent. I mean, I'm sure he's going to make it more lucrative for.

Yeah. So you guys are still buying. Absolutely. Well, our margins are pretty strong. I MTRs provide as provide a pretty healthy margin. So the things, you're getting basically the margins of an STR without the constant turnover. So you don't have the headache, but you also

don't have the turnover costs. Because every time you turn over an STR, an Airbnb or whatever, you got to pay the cleaners. You got to replace things that were broken. You gotta, you know. Yeah, even sheets, towels, stains. It's a lot more work. It's a lot more work.

And you're dealing with people that are in there for just a few days. And so they might be cranking up the AC or the heater or whatever. Smoking pot in the garage. I hear horror stories from every Airbnb guy I have on the show. It can be bad, it can be bad.

I mean, not everyone. We've done it. We've done it quite a bit. It works in the right markets, right? It does. And if you have safeguards in place, it's great. Like I heard the vacation markets are good. They're great.

I was going to say, if you have a really nice home, and then if you pour luxury amenities into it, you're going to be really fine. Oh, yeah. You should see the one I'm staying at tomorrow in Sedona. It's beautiful. Is it? Yeah. Sedona's a's beautiful. Is it?

Yeah. Sedona's a great place. Yeah, I can't wait. Need some time off, man. I've been grinding. Good. You know what I'm saying? Working hard. Yeah, that's always been my issue.

I get so focused on work. It actually ruins my relationships and friendships sometimes. So I make sure to take vacations every year now. Because the first five years I worked, I didn't take a single vacation. And it destroyed all my friendships, my relationships with my parents. So now I'm like very aware of that. That's great.

That's awesome because it gives you a glimpse into what parenthood is going to be like. Because so many parents run into the same problem, but it's too late. They don't get the pre-glimpse of it. So they're making money, you're always asking, what are they sacrificing all their life for? Oh, for my family, for my kids. But in hindsight, you're losing that precious time that's irreplaceable with your kids, just grinding.

And then all of a sudden your kids are 10, 12, all of a sudden 18, 21, and you're not even close with them. You don't even know what they love. They don't know you, because you've done so much for them, or at least in name, you've done it for them. But the reality is, like- They'd rather have time than anything else. Wow, that's deep.

But it's true, you know? I mean, you ask people, one of the main regrets that people have is just not savoring those early moments of childhood with their kids. And it's crazy because again, you ask them why they're doing it, I'm doing it for my kids, for my family.

But in reality, their family are the ones that suffer the most. Damn. Yeah. I can't even say how many people come up to us, older people, they see us out and about with our kids and they come up and they go, this is so precious, cherished this this time it goes by so fast we're like so we

have to believe it you know but I think that also that generation really was like a night they mom and dad were both working and the kids were in public school and they maybe met up for dinner, if that. So they do look back and go, man, I regret it, but I'm so grateful to be in this era where we both are home. We don't even really work from home. It's like we hardly work, but we're home.

But it's just, it's so sweet. We know our kids. We're teaching them how to read. We're teaching them manners. We're teaching them. Oh Are you homeschooling them? Yeah. I'm going to do that with mine, I think. Either homeschool or private.

There's no other way to go, I think. Because what ends up happening is- Your relationship is so special. And you're farming out your kid. I mean, I don't mean to be- Offending. Offending you, buddy. Cancel culture.

But really, what's going on is you're having someone else raise your kids, right? And then all of a sudden, you're like, I can't believe my daughter did such and such to me. Can you believe the way that he spoke to me, our son? No. But the fact is, they're learning. They're taking cues from other people.

And you're expecting them to be on the same page as you, with the same standards, the same behaviors. It's just not feasible. How can you farm out your kid to be on the same page as you, you know, with the same standards, same behaviors. It's just not feasible. How can you expect, how can you farm out your kid to be mentored in life and how to act, you know, mind your fees and cues, and then, but you're not investing at all. So you're not pointing to them what your values are.

They come back with someone else's values, and then what happens? Like, you're not, you're just not on the same page. Conflict, yeah. That's a good point. Yeah. And I hope it gets revamped. I think the education is going to get revamped,

because it's so bad right now. America is like, we spend by far the most money. We're so far below all the other developed nations in our education. So I feel like it will. But it's like, imagine if we could have something like this, where we go, we feel like we know Sean, because we get to see him every day,

we know his values, we know blah, blah, blah. I would hire someone like Sean to teach my kids how to whatever, you know what I mean? Kind of like Ryan, I think Ryan Panetta's saying, he's trying to develop something for kids that are, you pick your teachers based on their values, and based on their values and based on like their success in life. You're not picking people just like pick the school and

then whatever you get for your kids. You meet your teacher on that day. Thanks for raising my kids. See you later. But it would be so cool to you know pick, wow this guy is so good at AI and all this. I want him to teach my kids. 100%. I remember ratemyprofessors.com, did you guys use that? Oh my gosh! Yeah, that was a good one. That was so good, does that still exist?

I don't know if it does, I used it for sure. Oh, I used it too. Yeah, I mean that was important, because there were some Fs and some bad grades on that site. And sometimes you use it for the wrong reason, like he's super easy, never changes. Yeah, but there should be a site like that for teachers, not just like professors in college.

And teachers should get paid more if they're really good. If they're good, yeah. Should be results driven. Totally. Yeah, because right now it's backwards thinking. All of them are on the same salaries and they get paid for longevity, but no results. Yeah.

Like, why does longevity matter if the results are the same or worse? Or worse, yes. Yeah, because we're grading the worst in math and reading that we've ever graded in. They say most eighth graders are functionally illiterate. Yeah, that's crazy. It's crazy.

Yeah. It's wild. It makes no sense. I'm impressed you guys have time to homeschool four kids and run this business. Well, you know, people have this idea of what homeschooling is. Like, oh, it's so hard. And what running a business is,

because our business is not really like that hands-on. We hired somebody to do the management. Yeah, yeah. So really you do the financials. Yeah. And what else? I mean, I do take bookings. Okay.

So I like check my email a few times a day and stuff like that, but it's not, we're not. Hands-on. We live life, I mean, we not hands-on we live I mean we're hands-on to an extent but we have boundaries in place because what's most important to us is family time exposure to the world building into people you know pouring out resources being a blessing yeah really you know so pointing to our family and then pouring into people outside of our family is what

we're here for I love that yeah and estate is pretty, I don't like the word passive, but you know, it's almost there, right? It is. It largely is. If you compare it to any nine to five, I mean, it's very passive. Nothing's passive. Yeah, nothing's truly passive. Like we could get a text from our manager and say, Hey, this house needs this. Is it cool if I send the farmers like, yes, go ahead? To me, that's like pretty passive. I still live that long. Yeah, compared to most businesses, yeah.

You're not trading your time for money, basically. And that's it. And most people are absolutely trading their time for money. And the killer is, money comes and goes, but time only goes. I mean, you're left trading your only, your most finite resource, the most valuable resource you have, it's your money. But wouldn't you also say, like, a lot of your friends are people you know

that are like multi-millionaires. They're still always asking you, like, bro, I wanna live, you're so free, you do so much. And he's like, dude, you could be that way too. You have more money, you make more money than I do like what's the hold-up? Even real estate people it's a boundary issue. It's that people won't protect what's most important That's what it comes down to so they're just squeaky oil gets squeaky oil gets the oil. That's what's happening So whatever is pulling on them the hardest. That's what they're giving giving themselves to so work

Oh, I gotta do this for work. Deadline this, deadline that. But the fact is, your kids have a deadline every day. Or like, then you're on the brink of divorce, so then you're like, now it's like, no counseling. Yeah, exactly, shift focus. Yeah, I used to work seven days a week, but I had to give up weekends to save my relationship.

You used to work seven days a week, 15 to 18 hours a day. And yeah, the fact she stuck with me through that for five years is crazy. Yeah, I used to work seven days a week 15 to 18 hours a day and Yeah, the fact she stuck with me through that for five years is crazy. This must be a good girl Yeah, she really has my back. So Yeah It was tough for me because I love working but I had to do it to save our relationship You know, how do you view life now compared to back then? I'm happier. My health is way better back then.

I couldn't even probably run like a mile. Like I was a twig, I was super unhealthy. Mentally wasn't even healthy there too. So I'm way better overall and happier. Yeah, so I gave up making a little less money, but I think overall I'm way, way happier and healthier. I think that's what you find. We were, it's just our Uber driver this morning, right?

He went to the Philippines and he said like 80% of the people over there are poor but happy. Over here, 80% of the people here are rich and unhappy. Wow, that's deep. Yeah, because if you zoom out, even if you only make 50k a year in America, you're top 1% of the world. Absolutely. So it's pretty interesting, but we're one of the unhappiest right and I think that's that's a picture of what we're talking about earlier that Everyone's chasing after these finite things and these theoretical like points of value But once you get there, there's nothing nothing nothing and comparison is dangerous my social media makes it easy but

It's dangerous. Yeah comparisons. It's a big killer and everyone media makes it easy, but it's dangerous. Yeah, comparisons, it's a big killer and everyone's doing it. I mean, I struggled with it for a long time. I still find myself like, you know, looking over my shoulder or even subconsciously, like comparing myself to something or someone. Right. But it is killer, like you gotta break out of that.

It's just, once people can realize that they have a they have a certain Gifting that's just theirs They have you know, they have a destiny on their life I believe that I believe that God created each person Individually and with purpose with individual purpose, you know And I think when when someone can grasp that and understand that they're not their job, they're not their accolades,

they're not their car or their house or their business, whether those things are great, like whether it's a Lambo or a Pinto, whether it's a failing business or top 1% in the world, Black Rock, whatever. When you can realize that you're not that, then you can truly be free from yourself and understand like I was made for relationship and I'm special, I'm unique, there's only one of me and I don't have to compare myself. I just need to learn to be the best self that I am.

Take the gifts and stop squandering them. Because when I'm chasing after somebody else and comparing myself to them, I'm leaving my gifts and my unique offerings to the world behind. I'm neglecting them, you know? And the world needs those things. That's why I'm here, that's why you're here.

You're offering something that I can't offer, that she can't offer. And if you don't offer it, then it's why I'm here. That's why you're here. You're offering something that I can't offer that she can't offer And if you don't offer it then it's not gonna be offered right? Yeah, you can't copy your ways at the top It doesn't work on you can try but in the end, it's not gonna be for yeah long term It never works because I used to try to do that. But now I'm on my own path, you know Guys, it's been awesome. Where can people learn from you? Keep up with you figure out where to find you Yeah, so we got vetted homes calm now where we're teaching people How to do insurance midterm rentals, so we've got this course. It's our third iteration now We're working with two partners of ours Kelly and Jason. They're amazing people

They're the first person first people that we taught how to do this. Oh wow, and they came back to us About a year and a half ago. And they're like, too many people need us and want us and we don't have enough time. Do you think we can put something together to like get it out to more people? And so we're like, yeah, let's do it. So we put together this course and we got this community.

I think we got like around 80 people now in the community. Nice. We're on school and it's awesome. We're just- Very, very in depth We're just very, very in-depth. Like everything related to insurance midterm rental. Start to finish. Yeah, so we're teaching people how to do it there. So if anyone's interested in learning about insurance midterm rentals, it's vettedhomes.com. Our heart behind it is just like this is what allows us to live a free life.

It's not even money's great, but it's really, it's the freedom that it allows. And really, there's some people in our community that have just won, and it's changed their life. They left their primary house, they rented it out, insurance midterm, and say their mortgage is four grand and they're getting 12. So they're using that extra money

to travel the world, do whatever. And it's life changing. So you're going to have to do it all. Yeah, that's $8,000 a month. Yeah, that's six figures a year. Yeah. I mean, it's just like that for how we got into it with our condo.

That was life changing. And it shifted our mindset. And that's why I love vetted. I feel like that's my heart, is if we could just set people free themselves one at a time, one house or two houses it's not about being a billionaire and like buying a whole city right but just like if you have like one or two rental houses that you want to do really well take care of people really well could be a cool thing I love it like any number one in IMTR so now's the time to get in

let's go at the beginning of MTRs. It's a fun sector to get into. Beautiful. We'll link everything below. Thanks for coming on, guys. That was fun. Thank you, bro. Yeah.

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