Digital Social Hour - Zasha Smith On Making Millions With Real Estate in Hawaii | Digital Social Hour #101

Episode Date: September 11, 2023

On today's episode of Digital Social Hour, Zasha Smith reveals her plan for making millions in the current real estate downturn, starting a fund and how Hawaiians view American tourists. BUSINESS INQUIRIES: [e-mail] APPLY TO BE ON THE POD: https://forms.gle/qXvENTeurx7Xn8Ci9 SPONSORS: HelloFresh: https://www.hellofresh.com/50dsh AG1: https://www.drinkAG1.com/DSH Hostage Tape: https://hostagetape.com/DSH --- Support this podcast: https://podcasters.spotify.com/pod/show/digitalsocialhour/support Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit podcastchoices.com/adchoices

Is it true Hawaiians hate American tourists? I wouldn't say hate. I would say that it is disturbing sometimes. It's like if you're driving on the highway and you kind of deal with those kind of a-holes that are on the highway. It's kind of the same feeling. So the first property I went in on was a condo.

We ended up buying a condo for $300,000. We put about $30,000 into it. In 30 days, the renovation was quick. We sold it in 15 days to Cashfire and I netted $103,000. Wow. Sign me up. All right, welcome back to the Digital Social Hour, guys. I'm your host, Sean Kelly.

Here with my co-host, Charlie Cavalier. And our guest today, real estate expert, Zasha. How's it going? Aloha, everybody. Man, real estate's been something I've been slacking on, so I'm excited to talk to you about it. Me too. How did you get started?

Well, I started working as a simple engineer for 10 years and then was one of those typical people who were working 60 to 70-hour weeks and looking for an alternative of I wanted to quit my job. It wasn't something that I was passionate about and started like any millennial, startedling you know how to quit your job and get rich and found real estate it paid off yeah came a millionaire off real estate civil engineer what were you what were you making i was making 60 000 a year no no no i mean like what were you designing oh so i did underground utilities for hotels subdivision shopping centers and it was a real strenuous job. That sounds like a lot of work for 60 a year.

I know. And that's pre-tax, right? So that's like 40. Yeah. I mean, that's a very degree-heavy job. Neither one of us can do that job. Let's put it that way. Yeah.

No, I couldn't. Engineers. I mean, you got to respect engineers, though. Immensely. They're really smart. They keep us alive. Roadways and stuff. So i focus mostly on transportation so traffic signal design highway design okay and i mean i grew up on an island so surprisingly i mean we still have some of those bigger roadways which i work on too

on maui oh in hawaii now i've the U.S. transportation system isn't the best compared to other countries. Is that true? No. Like, efficiency-wise. Well, Maui is in the U.S.A. Yeah. No, I'm saying, like, the U.S. as a country. Like, the railroad system is outdated.

Yeah. And they've been working on, like, a $10 million rail system forever. $10 million? Yeah. That doesn't sound like a lot for the whole country. Well, on a small island, it's a lot okay yeah yeah i mean california's been talking about building the train to go north south for what 25 years now yeah now they're building a hyperloop right i believe so yeah i feel like that's efficient and then i'm in nashville where they literally

do not have public transit because the property values all got too high downtown. Nobody wants to give up their commercial real estate location to build a bus station or a rail transit or something like that. Isn't there one in Asia that's super fast? Train? Oh, like a bullet train. A bullet train, yeah. Yeah, I wish we had one of those, man. So where do you see or how did you go from civil engineering to real estate? And did the civil engineering aspect of all of your knowledge start like influencing how you invested in real estate? Definitely. I think for me, being able to run by a schedule and being able to budget for these big, you know, 17 million dollar projects helped me with the smaller projects

and the aspects of running a team or managing contractors because we were doing it on such a high level that when I took on these projects myself, it was a little bit easier. And what was the first property you went in on and was it alone or were you with a group of people? So the first property I went in on was a condo and because I didn't want to worry about the structural components of the roof and the flooring and things like that. So whenever you buy a condo, the HOA, the Homeowners Association, is in charge of maintaining the exterior. So essentially it's just like an interior renovation, but we removed all the cabinets,

we ripped everything out and then basically put it back in all new. And for me, because I was still working full time, I didn't want to go and buy like a huge fixer upper. I said, OK, maybe I'll try this real estate investing thing, see how it turns out. And because condos are a little bit cheaper than regular homes, it was less of a risk in my mind. And so we bought we ended up buying a condo for three hundred thousand. We put about thirty,000 into it. In 30 days, the renovation was quick. We sold it in 15 days to cash buyer and I netted $103,000. Wow.

Sign me up. Yeah. Well, that's what, where the light bulb was because I was only making 60,000 as civil engineer working like hundreds of hours. Yeah. So my husband told me like, why don't you just do that? as a civil engineer working like hundreds of hours. You need to double that in one month. Yeah. You need $100,000. My husband told me like, why don't you just do that? I was like, yeah, that's true.

Wow. Yeah, so fix and flips. Those I've heard are risky though. They are, yeah, depending what market you're in. So if you're in an appreciating market like California, Hawaii, some parts of Florida or or New York you know those expensive markets the potential to make more profit is a lot higher yeah because I've seen times on TV shows where they buy a house and then it's like infested or something like all this crazy stuff can happen so you never know well that's

why I started with condos even my first rental was a condo because I didn't want to really deal with any of that it's that much more of a headache to deal with a house than a condo. Definitely. Because it's just more money, so you're risking more, I think. Well, and a lot of times, depending on what state you're in, there's a lot of issues with permitting. So I bought a house that I'm sitting on, and this is like one of the nightmare stories that nobody likes to talk about. But I've had to hold on to this house for two years paid holding costs a mortgage and everything that's a fixer-upper that needs to be demoed and then you have to demo the whole thing yeah why

because it's in a uh well first of all the issue we ran into was it's in a historic area even though it's in the middle of a residential area it's in wailuku which is considered historic so it has to go through the State Historic Preservation Division. So that's what's holding it up right now. And they're just taking their time. Wow. Two years later. Whenever you have to deal with the state or county offices, there's no limit. They'll set projected dates where they have to review, but they just keep extending. So that's why it's really important to know the permitting how the permitting flow goes in whatever county city state that you're investing in that seems so inefficient like there

has to be a better way like online or something yeah is it is most everything you do in maui or in in hawaii in general majority so i started uh fixing and flipping in 2019 and then just last year i ventured into out of state so i do have a couple flips here out in Vegas we just opened our first midterm rental so that's where I'm staying now which is nice kind of exciting now I know why people have multiple properties you know second homes because it's kind of nice to just go into a home and it's yours they can do whatever you want so you were in Hawaii your whole life? Yeah, I was born and raised in Maui. Hawaiian food's good, bro.

I used to go to Maui every December for the Pacific Rim Conference with my family, so it's beautiful. I'm super jealous, it is the most beautiful place in the country. I just got asked a few times to move out to, not move back, I got asked a few times to move out to Vegas for some opportunities to take over some businesses. And I was like, well, I'm already where I want to be.

Nice. You're already where most people want to be. Right. And making a good living. Yeah. Can't complain. On the beach, sipping a pina colada. That's not actually what I do.

Is it true Hawaiians hate American tourists? I wouldn't say hate. I would say that it is disturbing sometimes because they don't understand a lot of the cultural aspects. You know, we are very, the spirit of aloha is very eminent throughout the islands and respect and just taking care of the land, not littering, those types of things,

and just being courteous. You know, have you ever tried to... Common sense. Yeah. It's like if you're driving on the highway and you kind of deal with those kind of a-holes that are on the highway, it's kind of the same feeling sometimes.

Interesting. Well, and the history isn't as pleasant as we all want to pretend like it was. Like, we essentially colonized Hawaii for sugar plantations, or there were certain plantations that were in Hawaii. I think it was sugar plantations. Right.

And so it's not exactly like it was like a peaceful kumbaya. Let's all come together and be one country. It was like you're a strategically located island six hours off our mainland. Let's put a military base there. And by the way, we own you now. Right. And there was a bunch of like bombings on the islands as well. Really?

That happened with the military. And so before Hawaii was a bunch of like bombings on the islands as well that happened with the military and so before hawaii was a sovereign country and then they we were overthrown they put our queen locked her up in the their uh her home and then forced her to sign the treaty in order for us to become wow there was a queen there at one point i didn't know that a kingdom kingdom really just took all that away yeah uh we wanted poor harbor really i mean amongst other things it's a military base because that was closer to asia well it's the furthest i mean unless you're going to go all the way to midway hawaii is the furthest main island in the pacific that's at all reachable and with one tank of gas and an airplane from mainland

united states wow so back to the real estate stuff. A lot of people don't know where to start, like including us. I mean, I just feel like did you have a mentor or anything when you got started? You just did it on your own. Yeah. So I bought my first flip and rental. And once I seen the cash flow and the profits, I was like, OK, I got to figure out a way to do this full time. And so when I had done my first couple of projects, I was working full time. I was running to Lowe's on my lunch break, Home Depot. I was meeting the contractors after work on the weekends. I was doing dump runs, like driving the loading truck. I was like, what am I doing? I just created another job and that's not what I wanted. And so I had found out

about Ryan Pineda, who lives here in Vegas. I had joined his mentorship. He was just starting off one. So I was one of the first students in his mentorship. I'm actually here this week for his mastermind. I'm going to be speaking at it on Wednesday. But the first mastermind he ever had was on his couch. There was about like eight of us in the room and we all kind of did a hot seat type of thing. Now it's like thousands of people go there.

And Brandon Turner is going to be on at this one as well so it's turned out to be a pretty big thing and proud of him and also he takes care of the people who've been in with him you know yeah so you just attributed the success to being part of the right group of people yes definitely a network and then through being surrounded by people that are already doing it gave me the confidence to know because i was still hanging on to my job even though i made like more than i did at my job in 45 days i was still like oh what about my health insurance and what if this what if i just got lucky you know what if the market tanks and had all these worries and fears but once i seen other people doing it at the scale they were i was like okay i could do that too so from that first flip you reinvested that money into more flips and just kept it going and now do you take out loans from banks and stuff and just use other people's money

yes so I mostly use private money which is from everyday people that have a savings there's no qualifications that you need you just need to money and then you sign a note and lend it on other people's projects. But I found that to be helpful because it's more flexible. If you work directly with a bank or say even a hard money lender, which we still use, we do various things, but they have a lot of terms like you have to meet certain DTI qualifications. You have to have a certain credit score, whereas private money is just based on your relationship with that person and i've been able to raise like over a million dollars just off social media in the last year that's very yeah that's been helpful too it's a lot of money you could buy a few houses with that right yeah do you do the 20 down payment model or do you do less uh less yeah i was actually gonna ask what is the least amount you have ever put down for Sarah's to buy zero

Yeah, you gotta tell us how you wait. Yeah, I use all private money So well, no, but you use over there. So like what is the least amount like so if the house was worth a million? Right, just I like round numbers. What is the least amount of dollars you ever put down to buy a house? Okay, so you're talking about like getting creative with this. Yeah, like maybe only put 3% of the total value, right? Yeah, so it's starting off, it was about 3%. Okay, how? Because I would buy for my own home, and then move, sell that. Almost like live in flip style.

Yeah, your first home is 3%, right? Yeah. There's a law? Okay. Yeah, I'm going to use that. But isn't there a limit on that? If you want a $3 million house, I don't think that would work. I think it depends on where you're at and then what your income is.

So every state is different, So I would check the laws even for me I always leverage like key locks home equity line of credit on my investment properties But I just recently found out that some states don't allow that on investment properties So allow it on your primary residence, but not on investment So now walk us through creative financing because I've seen some guys talk about this on social media like they're able to get houses without putting up money right? Yeah. It's pretty crazy I'd like to learn more about that. Yeah so there's a few different strategies I have only used seller finance and novation but there's also subject to there's lease options there's a whole gamut of different strategies. But with seller finance, you basically if a seller owns a home outright means it's paid off.

There's no loans on it or no liens. Then they can basically become the bank. And if you say, hey, I want to buy this house for three hundred thousand and they agree. Now they put themselves as the the lien holder. So the mortgage holder, instead of paying a bank, you're going to be making monthly payments to the seller. And you can agree on whatever down payment that you want. It's up to you. So there's a lot of flexibility.

And why sellers would do that who own homes outright is because a lot of times it's either been handed down through the family and nobody wants to do anything with it and it'll just be extra money in their pocket or they have to pay capital gains tax on that income or that down payment that they receive that's why instead of 300 everybody's like oh why wouldn't they just get 300 000 cash why would they make a loan to you and it's because a lot of times they'll have to pay 50 or 40 percent tax on that money what are some fees taxes like hidden expenses that people don't think about when they're buying a house that you got hit with on your first one and you were like,

what is it? Probably when you put less than 20% down, you have to pay a PMI. So I think it's a private mortgage insurance. And so that ends up being, well, depending on the price of the home, but I think for us, it was like an extra $200 a month. Okay. So that was a pretty good chunk of money. Yeah. So if you put down under 20%, there's a monthly fee basically? Yeah.

You know that? I did not know that. Interesting. Because you bought your house. Outright. Yeah. I saw you're moving into commercial real estate now. What's the strategy there?

Well, so for me, because I started off fixing and flipping, I've done over 20 flips, made over a million dollars on that. And it's been very successful. But with the market shifting, a lot of the single family homes or the fix and flips projects aren't turning out the way that they used to. So we're making a lot less money. We're having to pivot and turn some of the flips into rentals now. And it's just not as lucrative as it used to be. So now I'm wanting to be more passive as well. Like fixing and flipping is a job. No matter how high up you get, no matter how big of a team you have,

even Ryan is still involved in that process. And he does hundreds of flips. So it depends on what you value. For me, it was like was like okay why did i get into this i had to take a step back um last year and was like why did i get into this it was to have more time and i just again created another job i quit my job created another job so i'm heavily focused on building up my rental portfolio i have 17 rentals now in maui and then out of state and became a part of a syndication, started investing in those last year.

So it's funny because the terminology changes in whatever asset class or whatever strategy you pick. So a lot of times where I'm part owner of 509 units, I think they would say you have like almost $ hundred million dollars assets under management, but it really play a small portion in that. So I think it's always good too, for beginners to realize like a lot of things that people are saying, you have to kind of dive deeper into, okay, what does that actually mean? Yeah. You can own 0.5%. Say you're right. Like my, my rentals on myself, it's a is 100% or I just bought an RV park with two other partners,

but I'm 45% equity owner and then an office building we just bought a few months ago as well. I'm half, we're 50-50 partnership. So a lot of things to take into consideration is like, okay, well, when somebody says they own something, okay, how much of it do you actually own and how much cash flow are you getting, right? Wait, you said RV park you own? Yeah. Why do you do RV park? Well, so how I make majority of or find most of my deals are through partnerships, social media.

Like I'm big on Instagram. I have over 100,000 followers, not as much as you. But people come up to me in mentorships as well. Hey, Zosia, I have this deal. It's a million dollars. And I've never bought something at this price point. And for me, I live in Hawaii. The medium home price is $1.2 million.

So I'm used to. Damn, wow. I didn't know that. I didn't know either. Wow. What does $1.2 million get you in Hawaii? A three-bedroom, two-bath house. That's it?

It might be maybe from the early to 3 000 square feet yeah no no but are you maybe like 1200 were you on the water though no way oh that's not worth it so 1200 square feet we'll call it 15 i like ground yeah not a brand new home just a regular built in the 70s three-bedroom two-bath 1.2 million no land maybe 5 000 square feet yeah that's not worth it plus the food's expensive there right yeah it's everything because they got to ship it in well that's why they call las vegas the ninth island because a lot of people start moving from hawaii to vegas there's a lot of hawaiian restaurants here i noticed a lot every street bro really yeah

hawaiians are big out here for sure. You got to get to know yourself. I know. I need to. And so we hear, like the last few years especially since COVID has been crazy, right? I'm in Nashville. It's one of the hottest real estate markets right now. We hear so many buzzwords about why people should or should not invest in real estate, right? Interest rates, property values, job markets going this way. Everyone's leaving California to go live in Austin or Nashville or whatever. What is probably the biggest misconception you see out there on social media when it comes to buying or investing or choosing a real estate investment?

The biggest misconception, I just see a lot of people losing money because they're just so quick to jump into something. They see all these benefits and oh she made a million dollars and it was like okay over the course of the years and the last few years have been way better than you know what it is right now so I think to caution people always run your numbers conservatively and even if you have a comp like go even less than that because right now things are not selling it as fast as they were or for as much so i think the misconception is like of course even for me i tell people there still are deals out there they're just really hard to find and you need to stick to your numbers right so i don't know that i would think for a new person coming in start with wholesaling start with

you know working with an experienced investor, adding value to them that way so you're not taking on all this risk yourself. Yeah. When you go into a deal, what percentage profit are you trying to hit? Probably about 30, 30 to 40%. Nice.

Yeah, that's a very good margin. Yeah, very solid. And you mentioned you have 17 rental properties right now, right? Yeah. I've seen articles that Airbnb is struggling a little bit. Do you see it rebounding or do you think the market's just really soft right now for a while? I think it's really soft because we've seen an uptick during COVID.

And so everybody's numbers look great, right? Their P&Ls for the past few years. And like I was mentioning, even for flip profits, like we all look amazing. But now since it's slowing down and people are not traveling as much as far as like staying places, they'll be flying maybe out of the country. It might be cheaper to do that. But I own an Airbnb on Maui.

And I think this past month, I've seen a downtick, a pretty big one. And before I was bringing in probably, and this is a studio it's a 300 square foot studio i bought for around uh 330 and wait wait hold on a 300 square foot studio that you bought for a third of a million just so we're quick okay that's literally a room you want to make sure i got those yeah that's probably this room i want to make sure i got all those threes

properly in order okay so you can fit the bathroom over here, the kitchen over there. So it's almost like a hotel room size. Okay. And we bring in probably about 8,000 gross a month. Wow. So the net ends up being about three grand. Please tell me you can see the ocean. Oh, the net's three.

Okay. The peekaboo ocean view. Peekaboo ocean. Okay. It's got an ocean view at least. Okay. Well, like peekaboo. Oh, like far.

Yes. Oh, you got to. I had no idea. I mean, it was expensive because it's an island, obviously, but I had no idea that it was so exponentially

more expensive. Yeah. So everyone that has a house there is a millionaire pretty much. Yeah. Right. Insane.

So the Hawaiians are balling. They're rich. Or they're moving to Vegas. See, that's the thing is I often hear about the struggling economy for the locals, for the people that live there. Same.

But now you're telling me that if you want to own a house there, you're spending seven figures. I feel like there's a gap here that I'm missing. Is it just because all of the money that they make has to go to provide for their own housing because it's also expensive over there? Or where is the gap betweenaiians are in general struggling to the average house in hawaii is over a million well that's why they're struggling because housing is so expensive okay so it and the gap is that a lot of times jobs are only paying minimum wage or

you know starting off at 15 to 20 dollars an hour so yeah because it's all like touristy jobs, right? Right. It's like service, like Vegas almost. Right. Highly dependent on the hotels and tips and all that. So if you're not working in the hotel industry, you are probably just barely getting by. Wow. Yeah. And qualifying for a million dollar home loan is not easy either.

Must be tough, right? You probably need to make $250,000 a year. Yeah. So that's why we started. I started doing affordable housing bus tours. Must be tough, right? You probably need to make $250,000 a year. Yeah. So that's why we started. I started doing affordable housing bus tours. I started teaching people how to go to tax lien auctions or tax deed auctions in Hawaii as well. Because for me as an investor, of course, I could always find more deals. It's great to make money.

But it's more so about the impact as well that I'm having on the community because I am seeing people struggle and if they see somebody i'm i'm hawaiian filipino german italian wow so i am it's a lot threw that out from nowhere but i am part native hawaiian so i want to help people see like yes the land was wrong wrongfully taken but we are a part of america and this is ways different ways that you can buy semi-affordable, you know, homes. And there was just an auction happening on the big island in Hilo where three acres of land was selling for $2,800. Like the starting bids were that low. Wow. Wow. That sounds cheap compared to the $1.2 million house average.

But it's on a different island. Nobody, like there's hardly work there. So it would would be difficult to unless you have like an online job is there internet try to serve right that's all you gotta do but there um it is a tax auction so you have to wait there's a one-year redemption period before you can claim it can come back and pay their taxes a long time out of it yeah so there are some contingencies is what what i would call it to actually purchasing for that cheap but have you ever gotten like an insane deal at one of those auctions i did for my own home but it was a foreclosure auction but not the tax auction okay so you went to a foreclosure auction and got a really cheap house yeah i got my first house is

actually i bought it at a foreclosure auction i I was at the courthouse steps. I heard about like those types of auctions, but I'd never been to one. Yeah. And so I went to my first one and it was so competitive. Really? Yeah. There was like people eyeing me down. I was like, hey, is this where we stand for like the auction? And nobody would talk to me. And so I was like, you're the enemy. You're the enemy. So I had to go to a few to figure it out and what they were all doing and how it all worked. Wow. And I ended up purchasing a house in 2018 from there for $400,000 and I think around $23,000. Damn.

$23,000. We put $80,000 into it and we were going to flip it. But then I didn't know about the title issue. So it had a clouded title, means they're breaking a chain of ownership. And there was an open permit. So you can't nobody's going to buy a house that has an open permit. What's open permit mean? So that means they started a permit for like maybe an addition for a home or adding on a section of the home or maybe upgrading, adding a bathroom or something.

But then they never close it. So in order to close the permit, you have to have inspections done on the home. They have to pass building codes and all that. Interesting. So if you wanted to modify your home, you just can't do that. You got to get a bunch of permission. Well, if you're moving anything electrical or plumbing.

Electrical or plumbing. And you have to check with your county and state regulations. Yeah, I was going to say, varies by state. One of my favorite stats, I'm originally from California. You have to have a permit as a general contractor to build a fence in the state of California.

Really? In Tennessee, you and I could pop up in my backyard right now and just put a fence up. And just put a fence up. Yeah, in Jersey, we had to get permission, I think.

Yeah. From the county or something. And so is Hawaii very strict when it comes to what it wants you to do? I'm guessing, right? Yeah. Preserve everything.

Like I mentioned before, that house that I'm sitting on, that is a complete tear down. Two years. Just because they don't want you to do to, I'm guessing, right? Preserve everything. Like I mentioned before, that house that I'm sitting on, that it's a complete tear down. Two years. Just because they don't want you to tear the house down. Yeah. What do they want you to do? Restore it? Well, it's historical, right?

It's in the middle of the neighborhood. It's termite eaten. It's falling down. And they just want you to go through the rigmarole and the hoops and loops to, you know, I don't know why. And there's never just like an accident where the house just accidentally falls down or anything. There are. So I've been able to get away with not getting permits and sell homes.

But for this one, the old building inspector lives right across the street. Oh, geez. That's been an issue. Now, good luck. Do you run background checks on your tenants? Because I've heard Airbnb will ban you if you have a bad criminal record. So, no, not for Airbnb. Yeah, because they have a good system, right?

They already ban all the people. And I actually hire out a property management company for my Airbnb. Because I don't want the daily answering questions, having to go back and forth. I'm actually wondering, because I had a condo in my college town where I went to. And the way that it worked with that property management company was I had to give them the first month of the rent from that year and then I got the 11 months after that. Is that a pretty standard? Did I get screwed or was that a pretty standard? No, for long-term rentals it is.

Okay. Wait, you had to put up all 12 months? No, no, no. So like I owned the property. I rented it out. The property management company handled dealing with all the renters all the everything they received january's rent okay and then i got february through december so their payment their payment was receiving the first month of that year's rent right and they got it did you pay monthly monthly fees oh okay then that's really good oh nice typically they usually charge

you like the first month's rent to place the tenant. So they have to do a bunch of tenant screening, like background checks and interviews and things like that. Walkthroughs. And then after that, they usually charge you between 10 to 20% a month. Wow. So you got a good deal.

Yeah. I'll take it. Sweet. Sasha, what's next for you? Where can people find you? Well, you can find me at investwithsasha.com or Instagram. I answer my messages. I check that. I love that app at investwithsasha. What's next for me is we just started a $50 million fund that we're investing in debt and equity deals in commercial real estate. So RV parks storage buildings apartment buildings multi-family

things like that i've partnered with a few other people and so we're taking that head on because it's going to be a long road this market is definitely a little bit of a roller coaster especially in the single family space so do you think it bottomed yet no oh when will it who knows no i want i want you to know i think maybe in a year or so i feel like right now with them playing with the interest rates and pausing and then going back up it's got people a little skittish but it'll soon i think it happened so fast that we're yet to see the actual implications of it yeah Yeah. Well, thanks for coming on. I learned a lot about real estate in Hawaii. We got to go out to Maui. Yeah. And real estate. Yeah. And next time you hear about some $900 acres for sale in Hawaii, you're going to hit us up. Hit us up. Yeah. I'm

always looking for lenders. Okay. Perfect. All right. Thanks for watching guys. I'll see you Get 15% off a set of Brake Mess Select, Select Pro, or Import Direct brake pads and two rotors now at O'Reilly Auto Parts. O, O, O, O'Reilly Auto Parts.