Digital Social Hour - Working with Boosie, Building a House from Scratch and Surviving Prison | Andy Williams DSH #310

Episode Date: February 22, 2024

Andy Williams comes on the podcast to talk about his real estate success, what it was like surviving prison and how he plans on scaling his real estate empire. APPLY TO BE ON THE PODCAST: https://forms.gle/qXvENTeurx7Xn8Ci9 BUSINESS INQUIRIES/SPONSORS: [e-mail] SPONSORS: Opus Pro: https://www.opus.pro/?via=DSH Deposyt Payment Processing: https://www.deposyt.com/seankelly Factor: Use code "DSH50" for 50% off your order at https://www.factormeals.com/dsh50 Digital Social Hour works with participants in sponsored media and stays compliant with Federal Communications Commission (FCC) regulations regarding sponsored media. #ad LISTEN ON: Apple Podcasts: https://podcasts.apple.com/us/podcast/digital-social-hour/id1676846015 Spotify: https://open.spotify.com/show/5Jn7LXarRlI8Hc0GtTn759 Sean Kelly Instagram: https://www.instagram.com/seanmikekelly/ Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit podcastchoices.com/adchoices

Did you know a 2018 study showed half of prenatal vitamins tested had unacceptable levels of heavy metals? I'm Kat, mother of three and founder of Ritual. When I was four months pregnant, I couldn't find a prenatal I could trust, so I created my own. Ours is matricable, third-party tested for heavy metals, and recently earned the Purity Award from the Clean Label Project. But don't just take my word for it. Get 25% off at ritual.com slash prenatal. What were you doing before this? Painting cars, before painting cars in prison.

Damn. Speechless, I mean. I don't even know what to say to that. You can't get enough. Did it take a while to transition into who you are right now? Yeah, it took a while. Like, everybody was in there doing the prison thing, like working out, you know, I was in prison, like taking classes. I was just doing anything I do to occupy my time. So I kind of used it as like I was in college.

Wherever you guys are watching this show, I would truly appreciate it if you follow or subscribe. It helps a lot with the algorithm. It helps us get bigger and better guests and it helps us grow the team. Truly means a lot. Thank you guys for supporting. And here's the episode. Yo, yo, we are back on the digital social hour. Wayne and I are here today with Andy Williams. What's going on? Talking real estate today. How you doing? Good, man. Mr. Real Estate himself. Yes, sir. You still building? That's all I do. Yeah? Nothing else. Even with the crazy interest rates right now, you're still building? That's all I do. Nothing else. Even with the crazy interest rates right now, you're still building? That's it. We're doing it with credit cards and hard money lenders.

We ain't doing it with no banks. Oh, okay. So, yeah, we're doing it a different way. It was hard for us to get money from the banks. Yeah. So we just did it with hard money lenders and credit cards. So how did you come up with that whole concept of doing it with credit cards and hard money lenders? How did that come about? It came about of doing it with credit cards and hard money lenders?

How did that come about? It came about because, you know, I got a record. I got all kinds of stuff on my background. And then, you know, when you go to a bank, it's going to be hard for them to give us anything. So I know if I can make my profile look good, get a 720, over seven positive accounts. And under two inquiries, I could get money from credit cards up to $150,000 to $300,000. Wow. So basically, that's how we ran it.

We ran it like that. And then once you get up to the foundation or the walls of the house, no hard money lender will give you the rest of the money because now you got skin in the game. Right. So yeah, it'd be easy. He got something to lend against. He'll give you the rest of the money to go ahead and give you what you need to finish it nice how long does your record stay with the banks does it ever go away it ain't just with the banks it's just with you forever

right i thought it goes away though criminal record right yeah yeah yeah yeah wait but i thought it went away after a certain amount of time i mean if you get it expunged you can it's a lot of work it ain't really worth it i got it expunged. You can. It's a lot of work. It ain't really worth it. I got it expunged. Yeah. Yeah, I got arrested in high school. Expunged or sealed or whatever, right? I mean, they said they did it, but who knows, you know?

Yeah. Right. It ain't just that. It's just the bank. They want all the documents, all kind of documents. They want tax returns and all that. You know, back then,

we didn't really have all that. Yeah, the returns are so annoying because you try to pay yourself as little as possible, obviously. So, like, when they ask for returns, it's like, you know what I mean? Yeah. It don't make sense to them.

Right. So, yeah. So, you know, it was easier to do the credit cards. You ain't got to show all the documents that they need. Yeah. But, like, so what? You were just at home one day and was like, I wonder, could I just start getting money from the credit card company? No, I was already in real estate.

I started real estate in 2011 like i used to paint cars before that i had a paint shop like nine years i was painting cars nice then i seen my cousin boyfriend you know he was a dealer and i seen that he had 10 properties and he had making 10 000 a month off rent wow i was like dang if he could do that i know i could do it right right so i ended up buying my first property. And then that was a duplex. I bought it for like $11,000. Wow.

Put like $60,000 in it. And I just had it. I ain't really, I wasn't even having no attention. I just had it. You know, everybody wanted to have a property so they could rent out. That's all it was. It wasn't about no business or nothing. Right.

But then in 2016, I decided, you know, I wanted to just start taking this serious. So I started wholesaling. I did that for a couple years. And after that, I started hoteling. So the stuff I didn't close on, I ended up closing on it myself, put a little makeup on it, and just sell it to all the investors. So I did that. When I was wholesaling, I was making anywhere from $5,000 to $20,000. When I was hoteling, I was making anywhere from 30 to 50 grand per transaction

right right and then after that like in two thousand but how how are those margins so high so well like the margins as far as you making you know 30 to 20 20 grand but i'm closing it myself oh and then i'm putting a little makeup so i might go in and do the towel put the kitchen in how much you get in the house for though back then we was getting them for like 60 80. damn for a house where in florida wow different like 2015. that wasn't too long ago years ago yeah that's cheap but now i'm saying houses right now they're in the tools damn wow stuff that need to be rehabbed so they tripled stuff that need to be rehabbed still right still in the so stuff that need to be rehabbed still in the tools back then it was

in the 60s right 60s 80s wow so have you ever did you hold on to any of your properties until now they're saying

the first duplex I ever bought shout out to the Science of Scaling podcast hosted by Mark Roberge it's brought to you by the HubSpot Podcast Network the audio destination

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I still got it. How much does it work now? About close to three something. And what did you get it for? 11. 11,000? Yo, that's crazy. I refired it probably like...

Three times? I only did it one time. I did it probably like in 2015, 16. No, like 2016. I took out like 150. So you could buy a duplex for 10 Gs back then? Back then. That's crazy.

They used to be cheaper than that? You could have got stuff, everything was dirt cheap. Damn. Where is this in Florida? It was Tampa Bay area. Tampa Bay? Tampa's popping right now. Yeah.

Oh, this was before Brady Yeah. Oh, this was before Brady came. Yeah, this was after the market crashed, before everybody started jumping back into real estate. Everybody was still skeptical, scared. Got it. So you took that leap of faith. You had confidence it would bounce back. Yeah. So how do you

adjust through all the adversities when it comes to market, interest rates, changes in, you know, presidential candidates and, you know, all the campaigns and stuff. The way we're doing it, we're building, like, from the ground up. So we're buying land now, and we're actually building the houses up ourselves. So we're doing it so cheap to where, like, we don't get affected by that. Wow. Let's take, for instance, like, we got, like, I got a lot.

I just finished a house. I bought that lot for, like, $45,000 in like 2020. Now I just built the house on it for like $150,000. So I'm all in, like $200,000. Right. I just got it appraised. It appraised at $481,000. Damn.

So you made $300,000 off that property. Right. Roughly. And it only took a year? Yeah, to build. And that's just one home? Yeah, that's just one of the ones I'm building. I'm doing like six homes right now.

Damn. He's printing money. So are you selling them all or are you renting them off? I'm selling them off. My first house I sold, I realized like in 2020, that's when I finished my first house.

Right. So I ended up selling that house. I sold it for like, well, when I thought, when I finished it, I said, before I got done, I said I'm going to probably get like $260 for it. But when I finished it, the market, before I got done, I said, I'm going to probably get like $260,000 for it.

But when I finished it, the market hadn't went up. So I listed it for like $300,000. So I thought I was winning because I was getting more than I anticipated. So I ended up selling it for like $292,000. But when I got the appraisal back, the lady that got the appraisal, she said it came appraised at $320,000. So you lost some money on it a little bit. That ain't it. But right now, it paid that $320,000. So you lost some money on it a little bit. That ain't it. But right now, that house worth $460,000.

No. So you just hold some money. I lost more than what I made. I profited $127,000, but I lost over $150,000. Wow. Because I'm thinking the market is going to crash. I'm trying to hurry up and sell for the market crash.

Right. But the market went the opposite way. Right. It's hard to predict that. Now, after that, I'm not even selling nothing else. I'm keeping everything. So you're just going to hold and then refinance?

I hold, refinance, then Airbnb. Wow. Oh, so everything is Airbnb right now? Yeah. The cash flow. So I catch all my appreciation and equity. I ain't letting it go no more. Wow.

Dude, that's so smart. That's a whole, another unique way of doing it. Especially you're building them from the ground up. I've never heard someone doing that. So what made you get into the building from ground up versus just buying a shell? No, because you're going to pay way more. What's the benefit? We build it like half the price it's worth.

And how? Because we build it like $100 a square foot. And they're selling around $250 to $300 a square foot. Wow. So how were you able to do that? Like, how were you able to do that? Just because the connections or the labor costs? Are you getting the labor costs cheaper?

Yeah, basically we're getting everything at cost. Because we cut out the GC. Basically, instead of having the GC. You guys are the general contractors. Yeah, we don't have the GC bill for us. We just had them put a permit. And then we find our own subcontractors to do the work. Wow.

So those GCs are making hella money. Right. Taxing. Yeah, they taxing. Because you need them. Most people need general contractors. Wow. They have all the permits.

They know what they're doing. Yeah, because some guys charge millions for new builds. Yeah, for sure. So they're making them. So basically, if we be building at 100 square foot, if you use the GC, he's going to charge you anywhere between $150 to $200 a square foot. Damn. So it's like you're going to be paying right under market value for the property.

Just say, for instance, it's worth $450, you may get it at $350, $375. It looked like you got a deal, but you really didn't. But you're going to say you're going to have instant equity because it's worth $450, but you got it for $ you're gonna say you're gonna have instant equity because you know it's worth 450 but you got it for 375 yeah 75 equity but it really cost him like he probably really in half of that dang but so you don't you don't know that as a you know as a in buyer yeah you have no okay so let's let's say sean he's in process looking for a house right now but he wants to build from scratch what's the whole process right now, but he wants to build from scratch. What's the whole process that Sean sits down and he wants to build from scratch?

How does that whole process go? It's what we do. I teach it too. I got a program where I teach people how to build. So basically we get a hard money lender. We find the lot that we want. So just say, for instance, our lot's going like $100,000. Okay, so wait, the hard money lender, what is the interest on that and how much are you getting from it?

Like 15%. 15% on what? On whatever you get. Okay, so let's say, Sean, how big do you want the house? Let's just say a million dollars for whole numbers. Okay. He wants a million-dollar crib worth it or like- Yeah, a million-dollar house.

Is that something you want to live in or are you trying to- To live in, yeah. Yeah, we don't do that for stuff we live in. We do it on investment properties. It don't make sense if you're trying to live in? To live in, yeah. Yeah, we don't do that for stuff we live in. We do it on investment properties. It don't make sense if you're trying to live in it because now you're stuck with paying high rates. Oh, okay. So for investment property.

Yeah, it's for investment. It's paying for itself. You're not paying for it. Okay, so for an investment property, let's say you wanted an investment property, $500,000. What is that process? Right, okay.

So let me just give you an audience. For instance, I always shuffle $450,000. Okay. So this? Right. Okay. So let me just give you our answer. For instance, I would shuffle $450,000. Okay. So this is kind of similar to what you said. So basically, we get a lot for $100,000. Okay. And the hard money lender, he'll go half on the land with you if you put 50%. So basically, you come up with $50,000.

The hard money lender gives you the other $50,000. But you owe him $65,000, correct? Yeah. Because it's 15% interest. With the payments and all that. Yeah, yeah, yeah. Okay. Okay. So basically, when you get the land,000, correct? Yeah. Because it's 15% interest. With the payments and all that, yeah. Okay. Okay, so basically when you get the land,

you're going to do what we do. We get our money off the credit card. Like we don't put no cash down. Our 50 coming off a credit card. That's crazy. So we take the money off the credit card, wire that straight to the title company, and that's our portion of it. Then we use another $35,000 off those cards,

and that get us to the block walls, the walls up, the foundation done, walls up. Now the hard money lender got something to lend against, so he give us the rest of the money to finish the project. And now what is that? So basically all in, we'll be in with the lot around like $250,000. And that's fully built kitchen, toilets, tile, everything? Yes.

Wow. How many acres? 3,200, 1,500 square feet. Wow. How many printers? Three, two, 1,500 square feet. Wow. And a house would appraise at what? Anywhere from $450 to $435. Dude, it's literally a money printer. Yeah, that's crazy.

You could do that in any state, any city. You just got to find the areas. Okay, basically what you want to do is find the area in your city. Like, you're in Vegas now, so you'll go to Vegas, you're going to find somewhere that the houses sell for like $4,000 or $4,500. And if it sells for that, and then you can buy a lot under $100,000, it'll work in that area. Wow.

Where do you buy the lots at? You get them from different places. I got wholesalers that bring me lots. I find some on market, and then we do like driving for dollars for them too. And then, you know, if we see some on market, we're not going to pay market price we're going to throw in like a take them 10 or 20 percent off the price and offer that dude i love this business model because he's risking no capital at all at all bro everything is coming off a credit card yeah zero percent interest card right yeah

business business credit i just got a few of those we should should look into this. Yeah, no, for sure. For sure. So, okay, so what do you actually teach your students and what are some success stories that you've had from your students? Basically, I teach them the whole process. So basically, we teach them how to get the cars, how to take the money off the cars, the 40 steps to build, what every step costs. We also get them a GC, architect, engineer, and hard money lender. So we get them

all those people. The resources. So it's basically really no reason for you to fail because you got everything you need. Right. If you fail, it's just you don't have the drive. Yeah, that's on you at that point. No excuse. And what do your classes cost? What's the price? My class costs like $9,500. Okay.

But from that investment, they're going to potentially make $200,000 every single time. do your classes cost like what's the price my class costs like 9500 okay and they and but from that investment they're going to potentially make over 200 000 every single time it's called 100k play because that's the minimum we make we don't make nothing less than 100 wow so minimum you making 100k off every sale yes that's dope that's insane but you're not selling let's talk about them oh them yeah like you know some people we sell our first one or two properties just to get income. Right. Like, if it's your first one, you know, you ain't going to just keep your first one because

you ain't really got money like that. Right. So you're usually going to sell that first one or two, get your money up. And as you get your money up, now you're looking for wealth and now you're looking for building a legacy. So, you know, you got to have your money right before you do that. Yeah. That's why you sell the first one or two.

That's dope. That's such a smart concept. I love this. And after that you just start building your portfolio. I love this. Yeah. Go ahead. You worked with Boosie, right? I don't work with him. I was over at his house.

Yeah, you've done some business with him? Yeah, he do his own thing. I do mine. Oh, okay. Yeah, I saw the IG. He was on your IG, right? Yeah. That's dope.

How'd you link with him? Through somebody that I knew. What is his name? The Trap landlord from New York. He knew him, he was link with him? Through somebody that I knew. What is his name? Trap Landlord from New York. He knew him. He was connected with him. So we just went over there.

That's sick. I saw you on Million Dollars a Game, too. What was that like? That was good. Sitting with Gilly. Yeah, Gilly and Wallo. That was cool. Yeah.

They film here now, right? That's Cam and Mace. Oh, yeah, yeah, yeah. Cam and Mace. Oh, they down here now? Yeah, they out here. They're filming now. Damn. So basically,, yeah, yeah. Cam and Mace. Oh, they down here now? Yeah, they out here. They're family. Damn. So basically builders make more than flippers and real estate agents. Builders, it's like, it's levels.

You start out wholesaling. After that, the fix and flip. And if you ask any one of them, a wholesaler or somebody that do fix and flips, they're going to tell you they want to learn how to develop. Develop is like the top level. And the only thing higher than that is doing multifamily, townhomes, and all that. And that's what I'm going into next year.

Oh, so you're going to build those? Yeah, I'm going into townhomes next. I already bought an acre and a half. Damn. Because there's more units, so you can make more? Yeah, I'm trying to put 12 townhomes. Wow. 12 townhomes.

You know, I sell them now. You rent those out. Yeah. I sold all my old properties and got everything new and built up my whole portfolio brand new. So how do you do

with the design? Are you designing them yourself or do you go with like the last designs of the blocks or do you kind of think of anything yourself? Basically,

you could just like go to anywhere they're building at. If you look around here, you're going to see they're building everywhere. So you're going to look at the model house.

After you see that model house, you go inside that model house and take the things that you want out of that. So basically you may go in one day, I like what his kitchen and I like what his bathroom, or I don't like the stairs, I like this. And then you just go to the architect and tell him what you like, what you don't like.

And he'll put it all together for you. Doesn't sound too hard at all actually. No. So how much does the architect play cost to get the 3D render in sort of get that? What does that cost? We don't actually have to get a 3D render. We just need the blueprint.

Damn. That's costing us anywhere from $2,500. Some people pay $5,000, $10,000, $15,000, depending on who you go to. $15,000? Yeah. Yeah, see, I never heard $2,500. We pay $2,500. Wow.

That's cheap, right? Yeah, bro, they charge, like you said, $15,000, $20,000 for it. So they're just keeping all that oh my god yeah he's getting everything that's when we go to the bigger companies yeah yeah they're gonna want more money so Toll Brothers is just making

tens of millions oh my goodness yeah cause they own the land too right right they own the land they're charging a million for certain lots dude

just a million are you interested in coming on the Digital Social Hour podcast as a guest well click the application link below in the description of this video we are are always looking for cool stories, cool entrepreneurs to talk to about business and life. Click the application link below and here's the episode, guys. So when you actually buy the home, like from Toll Brothers, as a buyer, do you actually

own the house and land or are you just buying the home itself? I think they usually sell it together. Okay. When we sell out, we sell everything together. Wow. What were you doing before this? Painting cars, before painting cars, in prison. How long were you in prison? Four years. Damn. I went when I was 18,

got out when I was 22. Wow. Damn. I'm speechless. I mean, I don't even know what to say to that. No, because it's hard to get out from doing, especially going to prison and just, you know, be where you are right now as far as level-wise. Like, what inspired you, like, when you were in prison? Or did it take a while to transition into who you are right now? Yeah, it took a while.

Like, when I was in prison, you know, everybody was in there doing the prison thing, like working out, you know, playing sports and just, you know, chilling, just talking and reminiscing about what they used to do. I was in prison, like, taking classes. Oh, wow. Like, I was following stocks. I had, like, a list of 30 stocks I watched every day

while I was in there and just checking and see where it closed at each day so basically i'm tracking it right i was you know taking spanish class and reading real estate books i was just doing anything i do to occupy my time so i kind of used it as like i was in college yeah wow you did four years of prison college yeah that's dope i didn't know they had classes in there what's that like yeah yeah it's just like? Yeah, it's just like anything. It's just like this. You have a room over here.

They got teachers, and sometimes the inmates be teaching. Oh, s***. Dude, I didn't know that. So do you ever go back and teach, or do you want to do something like that? I wasn't even a people person. Like, I wasn't even starting a boot camp. Like, this boot camp kind of created because I was supposed to do it with some people, but they backed out on me. So I got stuck with having to figure it out on my own.

Figure out all these people. Yeah, yeah. Right. So, you know, I was supposed to just be kind of like getting interviewed, but teaching as an interview. But now I got to just get up and teach the whole thing. Wow. It all started.

Dang, that's crazy. Like, I wasn't a people person. I was just like doing my thing. You were in there solo. Yeah. So you didn't talk to anyone in there? No, not just Chris. I'm talking about on the streets, too's crazy. I was in the people's person. I was just doing my thing. You were in there solo? Yeah. So you didn't talk to anyone in there? No, not just prison. I'm talking about on the streets.

Oh. No, in prison, you team up with who in your area. Okay. It's like, I was up in Mariana, then I was up in Coleman. In Coleman, we was divided by cities. Really? But when I got to Mariana, Mariana close to Louisiana, Alabama, and all that. So we was like Florida.

Florida stuck together in that. So it's not by race? Some of them by race. It can be. It could be by neighborhoods too. Wow. That's interesting. Damn.

So what do you think we actually lack in the black community as a culture when it comes to real estate knowledge? And how can we improve on that? A lot of people think it's hard. And a lot of people— I mean, is it hard? Be honest. If you don't know it, yeah. I mean, I feel like even if you know it, it's still some obstacles.

It ain't really hard. It's just, are you doing the repeating the process? Like, I build the same house. Why would I change it? Why would I try to build a house of 10 different designs if I could build the same one and get the same amount of money for it? You're making it hard on yourself. Right.

Yeah. Well, you had that mentor, too. You said your cousin had 10 places. There wasn't no mentor. He just had it. He didn't show me how to do nothing. I just had to be like, I want that too. He said, I want that too.

He's hitting you up now, I bet. Yeah, for sure. Everybody, like, people coming out of the woodwork. But basically, we just gotta, we don't work together. Oh, okay. You always say that, bro. Yeah, I tell you all the time. Yeah, we never do it.

Like, everybody think, if somebody's doing good, they either you all the time. Yeah, we never do it. Like, everybody thinks if somebody's doing good, they're either scamming or, you know, something ain't right. Ain't no more money left. Since he got a million, ain't no more millions left. They don't know how to do it, then he had to do something wrong. Yeah. I wonder why your culture's like that. Well, it's the crabs in a burrow mentality.

It's just that, like you said, we don't work together. You know, it's just that, like you said, we don't work together. It's just the competitive nature. I think it's the self-hatred, too, because they hate to see them doing well when they're not doing well. It's a lot of things that go into it, bro. It's a multitude of things where we lack. I'm sure he's had students that he's tried to help. I'm sure he gets called a scam all the time online and he's proven his

concept but everything's a scam everything's a scam except the job. Crazy thing is I don't even take your money all you do is pay me to show you you buying your own stuff you getting your own credit card doing that I don't see none of your money I don't see none of your property no nothing all you do is pay me that one time

to get in and everything else I show you what to do and you do everything with your money. So how could that be a scam? How am I scamming? You doing everything for yourself. I'm just showing you what and how to do it. They're just skeptical, I guess. Well, no, I mean of everything, though. So it's an uphill battle. And I know you be like, bro, I'm sick of teaching these problems. It's a lot. It ain't going to last too much longer. That must be annoying. He said it ain't going to last too much longer.

It ain't. Because, you know, once I get to do the townhome and all that, it's like it's going to be a whole different level. They can't deny it at that point. Well, no, he's saying he basically going to stop teaching. Yeah. It's just like, they can't deny it. It's just be like, the people that see what I'm doing, I don't have to explain to those people.

Those people are going to already know what time it is. So right now I got to sell to try to get other people to try to get in. Not really sell, but I got to kind of prove to them what I'm doing. But when you get to a certain level, you ain't got to prove it no more. Everybody see it. For sure. Did you have your support of friends and family, or were you solo? No, I did everything by myself.

Damn. And again. But right now, my sister, she helps me. Like, when I build a home, she runs all the Airbnb stuff. Okay. So she handled the backing and paperwork, all that. Wow. So you had no one believing in you.

No. No one never will believe me. Damn, that's crazy, bro. It's that thing. Same thing, I'm telling you. It's like, when we get out of prison, people are going to think we finna go right back. Right. Well, most people do, right?

Right. That's the goal for the system. Right, 85%. The goal is for him to go back. Right. Because they make more money off him when he's in jail, not out. Like him right now, they're probably pissed off. One thing I remember about when I was in there, they told me 85% of y'all would be back.

Holy crap. That kind of stuck in my head. Yeah, that's hard. I can't go back. I can to be back. Holy crap. That kind of stuck in my head. Yeah, that's hard. I can't go back. I can't be that statistic. Damn. And I see a lot of people that was in there with me went back. Damn.

All the people that I was hanging with in there, a lot of them went back. Or either got ****. Wow. So what's your ultimate goal? Where do you want to be within the next, I'll say, two years? Because real goals are to accomplish things and fast my time. You know what you're doing. So where do you want to be within the next, I'll say, two years? Because, you know, I mean, real goal setters accomplish things and, you know, fasten my time. You know what you're doing.

So where do you see yourself in, like, 24 months? Basically, what I'm going to be doing is doing townhome, teaching people how to do townhome, trying to get townhome subdivisions. I don't want to do nothing like – it's the things where if you're doing under four units, like, gonna do my town gonna be like in splits of four it's gonna be four eight twelve so if i do twelve it's gonna be in four it ain't gonna be like no one row yeah but if you do over four it ain't really commercial it's still um residential instead of commercial i didn't know that wow yeah so when you do when you do anything

more than four it's more of a commercial yeah so now you got fire sprink sprinklers, all different type of stuff you got to get when you got, when you're doing it that way. So I'm going to break mine up. Okay. And then basically I just see myself like what I'm doing is building properties. Now all my single family homes, I'm giving those building one each for my kids. Therefore they get an option.

Like when they grow up, you know, we never got left nothing. Absolutely not. My goal is to leave. Absolutely not. Man. My goal is to leave them 100,000, each one 100, and each one a house, and basically now you got somewhere to start. You figure it out from there.

You can do what I want to do, you can do what you want to do, but now you ahead of a lot of people that was left nothing. So there really ain't no excuse. It's on you to make it happen. Gotcha. So that's my goal with the houses. And then all my multifamily, subdivisions and townhomes,

that's going to be my investments. The house is going to be theirs. Where do you see affordable housing going? Do you think that's going to be the major thing in the future simply because of how things are going now? I seen something yesterday. J.P. Morgan is up like 44% and bought single-family homes.

Wow. They bought 44% of the single-family homes. They own that much? Already. Yeah, that's going to be the new thing because, I mean, you think, the interest rates are going to drop, but the prices of the house are going to shoot right back up. So it's going to be hard for people to afford houses.

Again. So that's why affordable housing is going to be where it's at. And then probably a lot of people that's – a lot of people don't want to own no more. A lot of people are going to want to be where it's at and then probably a lot of people that's a lot of people don't want to own them or a lot of people don't want to rent cause it's cheaper to rent they don't want to keep up with um the cost of owning a home but how long can you rent like I mean you got to make money then your forever eventually you want to just be paying taxes on the home right if you think about it a lot of people that first-time homebuyers they got homes now which they would've never

gotten them home. Wow. Because they can't afford to maintain them. Damn. If anything breaks, they can't fix nothing. Think about it. If you got affordable housing, or AC go out on you, that's five grand. Holy s***. You can't fix that. It is. That's five G's for me. Yeah, five G's for me. You're in the affordable housing.

If a roof go bad, you need a new roof. Yeah. Six, seven thousand. My water softener broke. That's like four G's. Right. So if you think all these people get in the affordable housing, them fees coming up like that when stuff start breaking. First thing they're looking for is what? Let me sell this house.

Let me get out of this house. I want to pay rent because they fix everything. They ain't got to cut the yard. They do the yard. They do the maintenance. So everybody's so lazy now until they're rather rent than to have their own house. But is that a sustainable way of living as far as renting and mindset? It ain't.

It's just the mindset that they have. If you're renting, you got no equity. Right. Everybody wants the easy way out. It's just like now. If you get anybody, everybody just like back in our days, we had to work. We had to do stuff physical. Not everybody now want to see how that is his way

to do it on Instagram. That's the way to make it happen. I mean, that's the goal, right? Not really. Why? Because you don't got no skills. You can't survive. How are you going to survive if you ain't got no skills?

These kids riding a bike right now, the chain come off. What are they going to do? Leave it there and charge you to get another one? Back then, we had to get off and fix that chain. That's true. Put the chain back on

so we could keep rolling. For sure. Other than that, they got to call everybody. Yeah. People can't change a tire these days. They don't know how

to change a light bulb. They don't know how to do nothing. They ain't got no skills. But they can play a game and work a computer real good. I think it's good that both. You want to have

some physical skills but also some digital. Yeah, yeah. You want to know how to work it too. But I see what you're saying. You got to have some kind of skill set. Right. Yeah. And I think it's kind of our fault because we're making it too easy for them.

For our kids because we're trying not to give them what we have. Right. Trying to make them live different but it's kind of handicapping them. Now, do you trust your kids because you said you're giving them 100K each? Do you trust them to not blow that? It's on them. You blow it, you blow it. You can't say dad ain't do nothing for you. I can do it

if there's an opportunity. Even if you didn't think they could blow it, they still may blow it. Or the person in their ear might have them blow it. So you can't really control that. Do they get the 100K when they turn you're, do they get the 100K when they turn 18? When do they get the 100K?

When I'm gone. Oh, when you gone. Yeah. Oh, so that's when they get everything. Yeah. Okay.

So why are you here? Right now, right when I'm here, like, they get whatever. Like, you know, I'm still here.

Like, I tell them what to do, how to do it. You know, they don't want to, they're not into the real estate now. They know it because I teach it to them,

but it ain't what they want. They want to do their own thing. So it's like, you just got to think of it like, kids and the people around me when I was growing up, they know me as me. They don't know me as the person I am now. So they know me as the guy that, oh, that ain't nothing but Andy, that's Andy.

You know, we used to hang together, we used to do this, we used to get in trouble all the time, we used to do this. They thinking about that. That's the old you. They ain't thinking but Andy. That's Andy. You know, we used to hang together. We used to do this. We used to get in trouble all the time. We used to do this. They think about that. That's the old you. They ain't thinking about where I'm at now and what I could do to change their life or the information that I got now.

They don't value that. Wow. Yeah. Damn. Like a stranger value more than somebody that's around you. Absolutely. Easily, yeah. Well, man, where can people find you

and learn more about your program and everything? Andy by Houses on Instagram. Andy by Houses on Instagram, TikTok, where can people find you and learn more about your program and everything? Andy by Houses on Instagram. Andy by Houses on Instagram, TikTok, and YouTube, but mostly Instagram. What about your courses and where can they sign up? Basically, all they got to do is hit me up. Hit me up on Instagram, Andy by Houses, and I can send them the links. You know, I talk to everybody. Like, everybody wants to sign up, I call them.

Like, I don't work with no VAs or no bots. I'm a call, I'm a talk to. That's a real one right there. It's like, cause when I was signing up, when I was going through these programs, I was getting stuff that you may get a nugget or two, but you don't get nothing that's going to get you nowhere. So you still got to get out and learn it.

So when I created my program, I know what everybody want cause I wanted it. So basically I give you the whole game. Like they say nine out of 10 people ain't gonna use it anyway. So it ain't no need for me to hide it from you. I get it till you just gotta put it in use. And I knew what people didn't want.

So I just give them everything that I know. And it's on you to make it happen. Absolutely. I love it. We'll link it in the video, man. Thanks so much for coming on. All right. Appreciate it. Thanks for watching guys. And I'll see you tomorrow. Peace. Yes.