Epic Real Estate Investing - Negotiating and Seller Financing: Creative Real Estate Investing Continued... | Episode 203

Episode Date: May 3, 2016

Did you know that Matt built his portfolio without a penny of his own money or a point of his own credit?  Instead of hard currency (cash), he used soft currency (knowledge/creativity) and his ability to negotiate to gain control of properties with zero money.  And he's teaching you to do the same! Today Matt explains the importance of negotiation skills and how to position yourself in a negotiation for the best results.  Then he shares the ins and outs of one of his favorite creative funding techniques: the seller carryback.  If you're ready to grow your portfolio lightning fast, don't miss today's info-packed episode.  Enjoy!  ------- The free course is new and improved!  To access to the two fastest and easiest strategies to a paycheck in real estate, go to FreeRealEstateInvestingCourse.com or text “FreeCourse” to 55678. What interests you most? E.ducation P.roperties I.ncome C.oaching Learn more about your ad choices. Visit megaphone.fm/adchoices

This is Terrio Media. Broadcasting from Terrio Studios in Glendale, California, it's time for Epic Real Estate Investing with Matt Terrio. Yep. Sat! Hello! To Epic Real Estate Investing, the place where I show people how to escape the rat race using real estate. You just got to do one thing, do it one time, shift your focus from making piles of money to making streams of money. Change that one thing just one time.

and you are on your way to financial freedom. It is not the most exciting path. It's rather dull and boring, but it is the fastest. And once you get there, life then becomes exciting. All righty, let's pick up from our last episode.

Based on the feedback, that last episode is very exciting and in anticipation of what we're going to talk about next. So last episode is all about creative real estate investing. I went over five different ways to do that, and there are more than those five, and we're going to get to all of them, or a bunch of them at least.

but the five I covered were conventional financing seller carryback subject to options and seller seconds. I went over each of those very generally. Now, over the next several episodes, we're going to dive into those in deeper detail. All right. So creative real estate investing. You know, one thing I failed to mention is, one thing I didn't mention last week was it's probably not going to happen for you without some level of negotiating prowess.

You know, negotiation skills, they lie at the center of creative real estate investing. So you're going to need that. And the good thing about that, it's free. It doesn't cost you anything. And as you may know, real estate, it isn't free, right? No kidding. You do need currency to transact real estate. But currency can take many shapes, forms, and sizes.

But to keep it simple, I'm going to group currency into two categories for you. First, there is a hard currency, like money. And second, there's what I like to call intellectual currency. Like what's up here in your noodle, your knowledge, right? What you know. So both currencies can be used to transact real estate, both of them. And the relationship between the two is rather, I guess, it's counterbalanced. Meaning if you have a bunch of the hard currency, the less of the intellectual currency

you'll need. And vice versa, the more intellectual currency you have, the less hard currency you need. Also, the more hard currency that you use in your real estate, the more intellectual currency you get in return. And the more intellectual currency you use, the more hard currency that returns to you. The more money you make. Basically, the more educated you are around real estate and around deal structuring and around finances, the less actual money you'll need to transact real estate. and the greater your profits are going to be.

You got that? Let me say that one more time because this is so important. And people say, you did not build your real estate portfolio with none of your own money and not one point of your own credit. How can you say that? Yes, I did.

And this is how how. The more educated you are around real estate, deal structuring, and finances, the less actual money you'll need to transact that real estate. And the greater your profits will be. Got it? Conversely, the more money you,

use in your real estate investing, the more experience in education you're going to receive. And those experiences, they may be good ones. They may be bad ones. But either way, you are increasing your education. Your intellectual currency is growing. See how they work hand in hand? You're either getting paid or you're getting an education. And both are good.

So keeping those two different currencies in mind, let's say in your left pocket you have your hard currency and in your right pocket you have your intellectual. intellectual currency. And at every turn of a real estate transaction of which requires you to trade some currency, you get to decide which pocket you're going to dip into. Now, in most deals, regardless of how much intellectual currency you may have in that right pocket, in most deals, you're going to need some hard currency. You need some, maybe, maybe not.

Yeah, some. You're going to need some money. And the first step to finding that money is to, reduce how much of that money you need to find. And we do that through negotiating. Got it? So that's where negotiation comes in. It's kind of like the first level of your creative financing.

Now, or your creative real estate investing. So your negotiating skills, they make up a significant portion of your intellectual currency. And the negotiating portion of your intellectual currency can be used to either one, reduce expenses and cost, or to create income or profit. If you can do both, hey, even better. Either way, from this point forward,

I want you to view you're negotiating as money. I want you to look at that as currency. It is indeed a currency. It has a monetary value, a cash value even. For example, if a seller tells you they want $100,000 for their property and you reply with, yeah, I understand, I wish the market would allow it,

but you know how it is. what's your bottom line? Just be straight with me. What's your bottom line? Just by asking that question. And so if they respond on something, well, not a penny under $95,000. See, that one question just made you $5,000.

And I'll tell you right now, use that question as often as you can because it's going to make you money darn near every time you ask it. That's what I mean by viewing you're negotiating as money. Now, you might still have to find more money to complete the transaction but you did just find money and you've got to, now you've only have, you've

have to find less of it, right? And there are no if, ands, or buts about it. And once you get this, embrace it and implement it. You'll start noticing the many different places your newly found intellectual currency is accepted. It's everywhere you want to be. Here's a little tip. And you might have noticed it in my example.

When structuring your deals and presenting offers, understand that it's not a you versus the seller conversation. It's always a U.S. the seller versus the market conversation. That's your negotiating position. You're building rapport with the seller. You're building trust with the seller. You're doing all that for a reason.

You're doing that to make a friend. You're doing that because, you know, that's what friends do for each other. They help each other. You want to be the good guy here. You never want to be the bad guy. The market, that's the bad guy. You see, you are the solution. Don't be the problem for the seller.

Be the solution. The market is causing the problem for the seller. And it's the seller's problem. and you're there to help solve the seller's problem. Got it? So keep that mindset and negotiations go a lot smoother, especially when you started getting into this creative deal structure that we're going to be talking about.

So the rest of the money that you're going to need to find, then the rest of the money that you need to complete your real estate transaction, it is abundantly available. The caveat here is all the money you'll need to find will rarely come from one source, however. Got it? So I'm going to lead you three. over the next several weeks through multiple sources of where you can find the money for your deals,

where you can get creative about finding money for your deals. And I'm going to lead you through in the order, I think, yeah, but I'm going to take you through the order of which I look. Now, depending on your situation, your financial situation, your network, your credit score, your resources, you may choose to look for the money in a different sequence, and that's okay. There's nothing wrong with that. There's no one way to do this. It's just that, you know, I prefer to not use my money.

and I prefer to use it just as little as possible. I mean, in every deal, I try to spend every cent of my intellectual currency before ever going into my pocket for that hard currency. All right? So with that in mind, for me, the best place to find the money for your real estate is the owner of the real estate itself, the seller. So I first reduce the amount of money that I need to find by negotiating the price with the seller, and that's ongoing.

The negotiating, it never stops. It doesn't stop for me until the deal is closing. And you'll see that. as we progress through the next couple weeks, you'll see that. So the second place that I look for the money is for the seller to finance the deal for me. I look at the seller for the deal, what we call seller financing, also known as carryback mortgage, private mortgage, seller carryback. And it's appropriate often when the seller wants a specific market price. I mean, they're just stuck on that price and they're not going to budge.

Yet they've got no other options. They've got no takers, but they're still waiting, they still are demanding that price. and so they could be open to the idea of a fixed rate of return over a long period of time, as long as they get that price. That's what they're so concerned with. So I love seller financing. It's how I hold most of my own portfolio, and I'll take it just about any time that the seller's going to give it to me. The only real exception there would be if the seller failed to provide a title insurance policy.

That's about the only time I'll reject that. No, other than that, though, I'm typically all in. If they're open to carrying back, I can typically make something work. So there are many ways a seller can participate in financing the deal for you. You know, from lease option to subject two or straight seller financing, you see that the seller can finance some or all of the equity, or the seller can let you tap into the existing financing against the property. If you have no idea what I'm just talking about right there, no worries.

We're going to cover it all. But for now, I just want to focus solely on the straight seller financing in the form of the seller carryback note. Specifically, that note is a promissory note. And a promissory note, that is a promise to pay. Inside the note, it defines who is borrowing the payer and who is lending, the payee. And the note details the terms of the financing. In other words, how much is being borrowed?

How is it going to be paid back? That's what the promissory note has. It's a promise to pay. And that's what I love most about seller financing, is the how it's going to be paid back part. because you can pay just about anything that the seller wants for their property, even if it's double what the property is actually worth. But as long as you get to control how it's paid back,

you can turn just about any deal into a really good deal for yourself. So with that said, when you're looking into acquiring your next property, you must go into the deal with the objective of controlling the price or the terms. You've got to get control of one of those. Okay, as long as you can control one of those, you can create a really good deal. All right. So assuming that our example seller rejected your $50,000 all cash offer for his $100,000 property, you see, that $50,000, that was your price, right?

That's your price. And the all cash part, that would be the seller's terms. So you got to control the price or the terms. And in that scenario, that initial offer you gave, you were going for your price. But they rejected your price. So now you got to go for the terms. Got it? So the seller, they're stuck on their $100,000.

So that's the price. Okay, that's the price. So if they're sticking to their price, what do we have to work with here? What are the terms, right? So let's create some terms in how we're going to pay $100,000 for this property and have it still be a good deal for us. All right? So we're not just going to write a check for $100,000.

We're not going to pay fair market value for this. No, we're real estate investors. We buy low. That's our job. So for this exercise, we need a little bit more information, though. So let's say fair market value of the property is indeed $100,000. Let's just, that's, that's given the benefit of the doubt, or we checked it out, and yep, it's worth $100,000 a month.

Okay, so after taxes, insurance, vacancy, maintenance, property management, all that stuff, all the expenses for the property, we're left with probably a net monthly cash flow of, it would be $720, actually. And my quick and dirty math there, it's just taking 60% of the gross rent. 60% of $1,200 at $720. So $720 is the income that this property would produce. So we just need to make sure that any terms that we create that fall below $720 a month. Make sense?

So we're going to collect $720 a month once we're owners of this property. We're going to collect that $720 every month from the property. We just have to make sure that any terms that we create with the seller, any payment terms, has to be less than $720. We've got to make sure that we cash flow. Got it? All right. So let's start working on the terms. What's one way we can pay the seller $100,000 for this property and it's still cash flows for us? It's still a good deal. Well, let's just go with a very basic vanilla conventional type format. Say we put 20% down and we borrow the rest at say 6% interest. So that monthly payment would be $480. Would that work? Yeah, that would work. You know, whether we got that money from a bank or the seller carried it back, it makes no difference.

It's $480 and we receive $720. So there's a gap there. I don't know, a couple hundred bucks, a few hundred bucks, right? Is that cash flows? Okay, so how about, let's try again. Let's try a different term. How about if we put 10% down? We're not going to give them 20%.

We'll give them 10% down and ask the seller to carry back the rest at a 6% interest. Well, that payment would be $540. Would that work? Yeah, it's less than $720, so that works too. Now, how about if we offered the seller zero down? What, Matt? You're not going to give them anything? No, make an offer.

Make the offer to pay zero down. And the seller, and say the seller's going to carry back all of it at 6%. Well, that's a monthly payment of $600. That would work too. Even a zero down would work for you. Got it? So zero down, 10% down, 20% down, all those, would work. So those are, like I said, those are just three examples of really base, a basic

structure, very, very close to a very traditional structure, I guess, sans the zero down. But I'm just working with one variable here, the down payment, right? So that's not very creative. So let's push the creativity. And this is going to be your homework. I want you to take a blank piece of paper. I want you to write $100,000 at the top of that page. I want you to practice this, what we're about to do. Write down at least 10 different ways you can pay someone $100,000 keeping the monthly payment of that structure below $720. Okay, so I'll do a few with you to give you an idea.

How about, well, if we have to keep the payment below 720, how about I just pay you $500 a month until it's paid off? Would that work? Yeah. You don't have to deal with a down payment. You don't have to include interest rates. You don't have to do that at all if you don't want. I'm just going to give you $500 a month until it's paid off.

Yeah, but Matt, there's no seller's going to take that. Yes, they do. They do take it. They don't take it. The times they don't take it is as if when you don't ask. But what if the seller did come back with? I'll be dead by the time I collect all of the money. I can't wait that long.

And you reply with, okay, what's the longest you're willing to wait to collect all of your money? And say the seller replied with, I want it all within five years. I don't want to wait any longer than five years. years and you replied with great I'll pay you $500 a month and at the end of the five years I'll go ahead and I'll pay you the balance how does that work would you be okay asking that would that work for you not sure you know if you'd ask that you don't know if that's a deal or not well let's add it up since it's just $500 a month we already know this deal is going to cash flow right so we're good to go there now what about at the end of five years and it's time to pay the

piper what position are you going to be in Will it still be a good deal in five years? Well, with five years of $500 monthly payments, that's $30,000 you've chipped away at the equity. That's $30,000 you've chipped away at the equity. So on this $100,000 house, when you've got to pay $100,000, or they've got to pay the balloon payment,

you actually only owe $70,000. So would that be a good deal for you at that point? You have 30 grand of equity. I don't know, that's up to you. There's no right or wrong answer. That's up to you and your standards. Maybe, maybe not. Well, do you think in five years

that house would still be worth $100,000, thousand dollars something else to consider right well what if you experience the average annual appreciation of say three percent that's about the average nationally it fluctuates pretty significantly depending where you are but we'll use that for this example what would it be worth then if it appreciated three percent each year yeah it'd be worth about a hundred and fifteen thousand dollars and you owe seventy thousand that's what thirty forty five thousand dollars of equity would that be a good deal for you at the end of five years. Well, let's look at it this way. What if you applied the cash flow to the principal also?

So for five years of $250 per month, that's another $15,000 chipped away at the principal. Now you owe $65,000 on $115,000 house. That's what, 50 grand. Is that a good deal? I think so, but again, it's up to you. Okay, so that was the second way to pay $100,000. Just offer $500 a month. 500 month, $500 monthly payments, and in five years, I'll pay you the balance. So let's go for a third way. And I'll pay you $100,000 in 250 equal monthly payments. See, a lot of this does not too different. It's just how you phrase it.

Okay. I'll pay you $100,000 and $250 equal monthly payments. So that would be $400 a month. That works, right? Yeah, that one works. Or how about I'll pay you $300 a month. And then if and when I sell it. it, I'll pay you the rest, plus 25% of the profit that I get above $100,000.

Would that work for you? Yeah, it's $300 a month. You're cash flowing like $400 a month while you're waiting in. And yet you even spraised it if and when I sell it, right? So, or how about $10% down, $200 a month, and I'll pay the balance off in 10 years. And that payment at the end of 10 years when you do that. when you pay the balance off, that's referred to as a balloon payment. But if you gave them 10% down in $200 a month

and paid the balance off in 10 years, would that work for you? It's just another way to do it. And maybe the seller doesn't like this flat payment going 100% to the principal. I don't like this $200 a month thing. I don't like this $250 equal monthly payments because they want interest, right?

They might be a little bit more sophisticated, a little more savvy. They want interest. Okay, fine. I'll give you 5% interest-only payments for 10 years and a $100,000 balloon at the end of the term. That's still be a smoking deal, right? With payments of $416 a month, that'd be a nice cash flowing property.

Yeah, but Matt, how are you going to pay off the $100,000 balloon payment? That's a lot of money. Where is that going to come from? Well, we're going to talk about balloon payments in great detail and how awesome they are and how you want to start collecting these. We're going to talk about that in a coming episode. but I'll keep it simple first. In 10 years, how much do you think that property will be worth?

I'll keep it super conservative and propose just an annual 2% appreciation. We won't even go through 3%. We're going to keep it really low at 2%. Well, that property is going to be worth the end of 10 years, $122,000 at the end of 10 years. And you owe $100,000. It's worth $122, you owe $100. If you absolutely had to, do you think you could sell the property for $22,000, below market value.

Would it be such a bad thing to dump the property there if you had to? I mean, you cash flowed $300 a month for 10 years. Not counting all the tax benefits and everything you got from that as well. You made, just from the cash flow, you made $36,000 off that deal.

Now, not a great deal, but not anything near terrible. I'll do that deal. I'd do that deal every day. Anyway, you see how you can play with the terms in many ways. You can do with the down payment, with the interest rate, with the number of payments,

you can just do a flat payment. You can share it and split the profit with the seller. There's so many different ways you could do this. I mean, I could do this all day long with you. But you're getting the picture, right? So I want you to practice. I want you to write down at least 10 different ways you could pay $100,000 for a $100,000 property and still make a profit for yourself.

That's where the creativity comes into play. All righty. Next up, I'm going to share a recording with you of one of my VAs for a deal that we closed. Just recently, we made $15,000 on this deal. I just want you to hear how the VA handled it, and I'm going to let you hear that right after this. When you go to work for your money, does it return the favor?

If not, no worries. You do not have a money problem. You merely have an idea problem. We're cash flow savvy.com, and we'd like to share a new idea with you around income real estate that can transform your financial future and accelerate its arrival. Go to cashflow savvy.com and download a free investors package cash flow savvy.com you do not have a money problem merely an idea problem

cash flow savvy.com more ideas less worries cashflow savvy.com hello good morning ma'am my name is charisma i'm calling from recall management from the team of matth perial we actually sent you a postcard ma'am and the number in the postcard was dialed and i'm just checking if you have any inquiries or if you're interested in getting an offer for your house? Okay, we just got rid of one. Oh, okay, you were able to... Yeah, the 422 O'Burn Hickr Road. Believe it or not, he gave us a really good price for it.

So we got, he sent us a contract and he's got $1,000 in escrow, so he's serious about getting it. And we're... getting rid of that and then we've got this other one that we're going to get rid of. Okay. Okay. And you- Highland City Road.

Okay. And do you want, ma'am, I can definitely also get you an offer for that. Do you want us to send you an offer for that specific property? At 37 Highland City, yes. That would be fine. Okay. Hold on. Just give me a few seconds, ma'am.

Okay. Can I get your complete name, ma'am, so I can adjust? correctly. Sorry about that. My name is Susan. It's Susan. Susan. Okay. Sorry about that, Susan. Okay. So I'm in front of my computer right now. Can you say the address one more time so I can locate it? It's search. Hiram H-I-R-A-M. And the second word is Su-D-I-E. Rose. And that's in Hiram, again, H-I-R-A-M, Georgia, 30141.

30141. Perfect. Okay. And how many bedrooms and bathrooms does the home have, ma'am? Okay. First, let me tell you this. If you look, it's going to say modular home. It is listed as real property. Okay. They do not consider it. Yeah, they do not consider it. We don't have to buy stickers. It cannot be moved. The wheels and tongue had been taken off. It was not factory bought. It rebuilt it. We had it. our specifications. So it's got skylights in it, and it's really nice. It's got three bedrooms, two baths. Three beds, two bath. Okay, go ahead. It's got a fireplace.

Fireplace? It's got a big living room and a big kitchen. It's not like a, you know, how the, they're all french stuff. The bedroom's big. And here, the bedrooms are big. It's got like 21-something square feet. Okay, 2100 square foot or square feet. Yeah, it's got walked in closet.

Great. And it's got, you know, the garden tub in the master bedroom, that. Mm-hmm. And it's got skylight in there. It's got skylights in the living room and skylights in the other back. Skylight. Hold on. Let me just know that.

All right. And we've got three and a quarter acre. land. Okay. Three and three-quarters they could land. Right. Yeah. And it's 600 feet back. There's nobody around me. Okay. I'm just noting it, ma'am, while you talk. Pardon me? I'm just trying to note it while you're giving me all the information. So that's why I'm not talking, so I'm listening to you. It's that, um, uh, Roadfront property, and we have a fence around it. Okay. All right. Okay. So Susan, let me ask you this.

If ever that you are happy with our offer, how should you be able to sell the house? As soon, I can sell the house as soon as you get ready to. The only thing is I have to have time to get all my stuff out. And the reason that I have to do that is we took and when we moved here, I got a house in Florida, too. Right. And they are paid for, and they are on, oh, I owe $32,000. I borrowed against this house that I'd have to pay off.

Oh, for the $13.07? Yeah, that I'd have to pay that off, you know. But how much? Anyway, it's about $32,000. $32,000. Yeah. But that's current, right? Yeah.

Oh, yeah. Okay. But we moved here because I had parents that were sick and my mom and dad had a stroke, both of them. And his mom had Parkinson's and his dad was just really old. So we moved here to take care of them. We weren't expecting to get stuck here. We did not know about Medicaid, Medicare and all that stuff. Right.

We paid every month we were paying over $5,000 to keep them in a nursing home. And it ended up taking every cent we had, and we ended up stuck here and couldn't get out. Oh, no. And I've got a half a million dollar house sitting on the river in Florida that I can't get to, and I'm worried sick about it. It's got five of those in the back and everything else. So I'm worried sick about it. And I've got it all. So that's what happened here.

We were never expecting to live here. and I've got, when his parents died, we got cars. We got anti-furniture. Now, my furniture is all beachy. So now here I've got all this antique furniture with beechy furniture and boxes everywhere. And I'm like, crowded in here. This is little. So that's where I'm at.

And we're just trying to get home. Yeah, I agree. I agree. I have made. that I would never had to worry. And she took every sense. Right. So, Susan, you will need most probably at least, like,

to three weeks for you to be able to get the stuff out, right? Probably around three weeks, three, four weeks. Yeah, I've got... Why don't we put in 30 days, 30 days for you to be able to sell it? Because you need to get stuff out. Yeah. Yeah, because it's got... I've got oodles of cars.

And I had my jag, my beautiful white jag here. And a boy who did it. So it's sitting in the front yard because it's turtles and I need to park because parks for jags are so expensive. So I need to park for that jag she's put in some of my other jag and fix it. So I've got to get it out of here. Right, that's true. And we've got tons of stuff. you just would not believe the stuff we have.

Oh, yeah. Tell me about it. Well, as we were staying here helping, we kept dragging stuff from there up to here. I don't know why we did that. I kept saying, I need this. I need that. I think I've got seven TVs here. That goes to every room in that other house and Florida.

You're kidding me. Seven TV? Oh, I've got seven TVs and they're not even plugged in. I'm only using two. Oh, no. Oh, no. That's too much. They were all in the house and flocks.

See, the house in Florida is huge. Right, right. My living room in the house in Florida, this hell house would fit in. Right, right. I mean, it's huge. But I've got all this stuff that I just shrug and rug and drug and rug up here. Right. And they stayed a lot longer than we thought they were, you know.

I miss them terribly, and I wish they'd still here, but this $5,000 a month was getting old. Yeah, that's true. And it's going to dry up, you know, everything. Well, when you get money going out, nothing coming in, because my husband had never, he didn't have to work. And then I'll tell now he's having to work. Oh, no. So here we are.

Yeah. Yeah. Well, hopefully, Susan, I'll be able to help you out with that. By the way, what would be your desired, let's say, let's just put it this way, for your million dollar question, how much do you want for this property? How much are you looking at? He's walking around $70,000. $70,000.

Yeah, $70,000. Okay, $70,000. Yeah, we've got the termite inspection. We got the, I think, whatever it is, they said it was $85,000 worth $85. Right. Oh, so they told you that it was $85,000? Yeah, the taxes or whatever it is. Right.

Which that's current, too. Okay. Okay. Property tax, it's also current. The insurance is current. Right. So everything's current. Right. So, Susan, once I'm done, what I'm going to do is that I can definitely send you the offer in two ways.

One is going to be via an email, and the other one is going to be. via your preferred mailing address, all right? Do you have an email address where I can send it? The email address? Right. Are they, the preferred address, the hard, for your hard copy, the mail? Hard copy, yeah. Yeah, that's the one I just gave you for Hiram Studio Road.

Okay. And that's 30141. Okay. And then I can give you my email. Go ahead, ma'am. It's Gris and Gary R F like in Frank 521. Dot net. Okay, perfect.

All right. So Susan, this is going to be an offer for you. So it's going through, you know, it has to be formal, right? So what's your complete name? Susan, your last name? 9-5-G-R-S-E-H. Okay. All right.

I got it. And this would be for having, because my husband is also an owner on his name. But since, you know, I'll just note that down that he's also an owner, but in terms of the offer that we're going to send, we're going to address it to you. Is that okay? That's fine. Okay. All right. So, Susan, I think I have everything that I need in order for me to be able to do my home analysis.

and then eventually, you know, send you an offer. Now, this is what's going to happen, all right? Since you are actually staying in Georgia, I actually have a partner on the ground in Georgia, and his name is Parker. He's kind of young, very nice to talk to, very polite. You know, we have a very good relationship, I mean, in terms of work, not anything else.

So, yeah, he's, you know, he's very easy, talk to and he's very knowledgeable about, you know, this kind of stuff. So my responsibility is to make sure that I get all the information that he'll be needing so that, you know, when he starts creating, when we start creating the offer, then it will be easier for him. He might end up asking you several more questions. I know Parker very well. Sometimes, you know, he would definitely get in touch with you and ask you, you know,

a few questions that he might have in his mind. I'll give him all the information that he needs and I'm looking forward, you know, that we will be able to help you with this property, all right? Okay. That sounds fine. All right. Thank you. All right.

Right. Okay. So, Susan, thank you very much. And I'm looking forward that we'll be able to help you out with this as well. All right? Okay. Thank you. Bye.

Bye. Thank you so much, ma'am. Have a great day. Bye-bye. You do. That right there turned into a $15,000, a deal. And if you'd like a VA like that, working for you too, go to VAs for Real Estate.com and get a pre-trained real estate investing

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