Matthew Cox | Inside True Crime Podcast - BANDMAN KEVO ARRESTED w Juan Sanchez

Episode Date: January 12, 2024

BANDMAN KEVO ARRESTED w Juan Sanchez

This is Matt Cox, and I'm here with Juan Sanchez, which is basically like the John Smith. This is the Spanit, right? It's extremely, extremely common last name. So what we're doing is we are reviewing some of Band Man Kevo's videos, and Band Man Kevo, if you don't know it. He's a guy that does he actually... What does he do? He actually went to...

He actually, I'm pretty sure he went to prison at one point, got out and started a YouTube channel where he helps people with the finesse game of credit card repair and building credit and getting real estate and basically all around kind of an investment guy for the common man or the uncommon man. And we are reviewing, we are going to review three of his videos and it's going to be interesting and a lot of fun and with a lot of finesse. And we're going to try and go over since Juan and I have actually do. have expertise, we're going to go ahead and review some of his videos to see exactly just how

off he is. And he's not always off, but he is sometimes. So let's get going right now. How to finesse the credit bureaus out of an 800 plus credit score. So let's start at the beginning. This is him in a car talking about credit. Not a car, a lambo. Is it a lamp? No. No, it's, oh, it is a Lambo, man. Nice. 800 in less than two months. 800 credit score in less than two months, by the way, it's already. 800.

That's fine. Even with the tricks that he used. It's impossible. Actually, in a way, it does. We'll see. We'll see. We'll see. You got to hear what he's doing.

I'm trying to get a credit score that's an 800 in less than two to three months. Very first step is, we're going to start on trade lines or primaries. What are trade lines and primaries? Trade lines are a piggy. back off someone else's credit. So let's say if I got a credit card, then I've done it. I still do it. Yeah. If I want to make you an authorized user or my credit card so you can gain my history. That's true. That is absolutely wrong. You know the FETs created that system.

Sign up for it to have memberships that if you buy something from their site, they will give you a $5,000 credit. Nice. He's got the little subscribe click. As far as like, I could tell you a few sites as far as, um, that you can sign. It's given a little bit of information here, which is actually good. You know what I mean? You can go to my jewelers club.com. They give me an automatic $5,000, you know what I'm saying, primary that will report. And you know what I'm saying? It'll probably shoot you up a nice amount of points. You can sign up for New Coast Direct. You can sign up for Huntington and Chase. You can sign up for an app called Self. You know what I mean? Like, it's also another

credit card called Grain, the digital credit card. It's on the app store. You know what I'm saying? It's all types of different sites you can sign up for. These are good primaries that will help your credit shoot up crazy. Now, on my only fans, I got like over $56,000. that you can go to and you can sign up for every single site and basically you can sign up for american express and it will increase your credit you can sign up for a 200,000 dollar mortgage and it will increase your credit yeah this is you know what i'm saying you definitely have to pay these places back on time my suggestion is basically having a banking account link and do auto payment you know what i mean primaries horrible suggestion you know what i'm saying you put those two together you're unstoppable

you'll be a get a lot you'll be able to get higher limit credit cards you know what i'm saying and make sure you guys sign up for the experience at the key they just show it's that aluminum spoil they're showing you know what's a dulcine govana oh sorry i thought it was a burrito for chipotle also the he's using the with the he's wearing the same kind of it's a whole outfit that matches yeah see oh uh like an elon musk kind of a SpaceX thing going okay i'm gonna all right i'm gonna to stop real quick because he's kind of just rambling a little bit and we interrupted him much time and I apologize about that. My bad. But he, so it depends. I, you know, boy, you're ready to fucking, you're ready to just chew him up, aren't you? Okay, stop. So listen, here's a problem with

the statement that he's not, he's not clarifying the statement. Let me, let me, I'm going to let which statement. The statement where you can jump your credit up just by getting on a primary. First of all, the little, what was that thing, the, the, um, piggyback writing? No, no, no, one thing at a time. For God's sakes. All right, let's start there. So the first, no, no, no, let's start where you want to start to jump your credit to 800 in 60 to 90 days. Okay, so first off, let's assume one thing. If you have no credit, your, the credit agency will not generate credit scores for you for, with no history, for six months, but he's talking about, and he always does this, by the way, he calls them trade lines, and then he says trade lines, and then he calls it piggybacking. But what he's saying

is, and I've watched two videos where it's not real clear, what he's saying is, he wants you to, what's called piggybacking off of someone else's trade line. So, Juan has a credit card that he's had for 10 years. Correct. It's got a $20,000 high credit limit. He owes less than, than 500 bucks on it. So it's helping to generate 800 credit scores for Juan, let's say. Now, if Juan adds me onto his credit card as an, he'll call it as an A-U, an authorized user, then after about the next time his credit card, the next cycle. Next cycle, when his credit card reports, again, they will also report on my credit only though, if part of the authorized user sign, you know, where we see signs me on to it,

they ask for my name, date of birth, and social security number. Because a lot of these companies won't do that. Well, let me, let me stop you right there because this is exactly something that I'm doing right now, teaching, okay, and I'm getting results on this, and I'm getting not results on this. Depends on the credit card. There is only seven credit cards that actually report. So a lot of people don't know this.

Wells Fargo, Wells Fargo, Bank of America. Berkeley, that will report an authorized user. Okay, you got to clarify, see what I'm saying? Correct. So the other cards will take an authorized user. And they'll give you a card, of course, but it will not report. Right. The other thing is what you're trying to alter, which he doesn't explain there, is the limit balance part of your score, which is only 30% of your score. Right, yeah, yeah.

And a lot has to do with your history. So when he says, well, you can get to an 800 score. Well, starting where? Right. If I'm at 400, I'm going to jump to 800, no. No. If I'm on 700, yeah. Or, but this is the funny part. If I'm at zero, yeah, it's going to get me at 800.

You have nothing else reporting. Because I have nothing else. Right, right. But seldomly, and keep in mind, now all that's showing up is an authorized, I'm an authorized signer on somebody, and it says authorized user. That's key also. On your credit report, it's going to show authorized user. So when the lender is going to approve.

you for the loan, he's going to know that that's not you. Yes. So he's not going to take that trade line under consideration. Right. So we'll know that from the get-go. Unless it's something that's that's generated just off your score. Like a credit card.

Like another credit card. Right. Or like an auto loan. Well, first of it, it's an auto loan. Think about it. By the time if someone actually, if at some point somebody has to see it, they might catch it. There's a good chance they catch it. Did you know? Or did you know? This camera. right here. Or this one called? Did you know? No, not there. Did you know that, which I didn't know,

there is 16 FICO scores nowadays per bureau? No, I didn't know that. It's a disaster because now they have FICO 1 through 8 and it's called 1 through 8 auto, 1 through 8 bank card. So one's auto for automobiles? Automobiles only. So you may get a 680, But when you go get a loan, they tell you, well, you only have a $590 because your $6.80 is on bank card. It's not on FICO auto. I didn't know that stuff. Do you know why that makes sense to me? When I went to my auto, when I went to go get my loan on my car, and I told the woman, I was like, oh, I got like a $7.55.

When they pulled it, it was like a $7.30. And I asked her, I said, no, no, no, I just pulled it. Like I get updates every month. And I said, a week ago, and she said, oh, no, no, ours is different. And I remember thinking, yours isn't different. I was like, yours isn't different than the one. So we go back to what score are we talking about? What score am I trying to increase?

Which score is going to get to 800? You know what I mean? Well, here's the thing. He'll probably tell you all that if you join his, his, um, his, uh, fans only page. So. Every time you say fans only, I think that I'm going to look at some nasty stuff. You're thinking he's there making, yeah, probably like, let me get you. To increase your.

FICO. He's laying there with a bunch of credit cards. He's like, he's like swimming through credit cards naked. He talks to you naked. I'll get your credit up if you know what I'm saying. That's not what. That's not what. So, that's one thing. By the way, what's happening with this camera? We're not in there anymore? I don't know. Kobe? Kobe, what happened with the middle camera? Yeah? Oh, that's the, that's because the card's full, correct? I mean, this is not my gig, so I don't know what's going on. Okay, that's fine. So, and listen, you know, there was a time when I would have been like,

we're going to stop, you got to clip that, you got to, I think, I don't care. Clip one. Like, oh, you got to, we got to, we got to cut that Colby, that where we pointed the thing. It's just, it doesn't matter. Oh, no, no, no. Is your Ronis? Is the, it, is the nature of this podcast what makes you popular? Yeah, absolutely.

You're legit. I feel like it should be blowing. You're a legit fraudster. How is that even mean? I don't know. I had a teacher that used to say, you know, you know, you're a legit. you're a fraudster when you can fake sincerity. Oh, and I was like, I can do that

all day. I'll cry it. Yeah. You fake sincerity. You've got it made. How many ugly children you complimented in your life to get people's money? Oh my God, this is your son? Yeah. What a beautiful boy. I'll tell you, the cross eyes really did it for me. Yeah. Yeah. So the club food? My dad told me. Listen, my father told me when I was

growing up. He said, he said, you'll always be able to get a job selling, being a salesman. I was like, really? He said, yeah. He said, listen, the secret of sales is sincerity. can fake that, you got it made. And you've got that in spades. I was like, and tips to my dad, that was a huge compliment. One of the best compliments I've ever gotten from a guy. I tell people in my classes, my mom always tells me, listen, if you end up in a wheelchair, I know you'll make money.

But if you lose your voice, you're done. Oh, you're done. So yeah. All right. So going back to this guy. Enough about us. We already know that we suffer from a massive narcissism. Yes. Yes. The other thing he mentions here is he mentions his where he says you can go and you can get a jewelers i think it's like i think he calls it i could be wrong it's like a jeweler club right so jewelers club so that's not a primary card primary cards are like or you no that's not but he mentioned one that is really good that also is new is called self okay i don't know if you're familiar with this no you actually tell them listen i want to spend i want to save three grand right so they set you up for a savings plan and they ask you, well, how much are you going to put into it? 75 a month? You tell them, okay, $75 a month.

And they report it as a loan that you are paying $75 a month. Really? When you come up with the total of the money, they'll cut you a check. Nice. I know. Same as right now you can report your rent. There are companies that you pay the rent to and you pay like a $9 monthly fee and they report it and they backtrack it to the date of the lease. So they'll report 24 months. on your credit. Nice. So this is my issue. You Google that stuff.

It's not like, you have to pay $500. It's not like, listen, I know a guy in the corner that he can give you a trade line. No, no,

that's only if you're going to use that money to buy cocaine. Yeah. So he mentions that, but you're right. So basically primary cards are like from actually bank cards, cards that are issued

from like Wells Fargo or Bank of America. You know why I think he calls them primary? Because you're the primary on the account. You're not an authorized user. I think I just, it just. Okay, okay, okay. Yeah, yeah, yeah. Okay. So look, if you have no credit at all and you go out and you get, this is the, to me, a solid way. And he kind of goes over this. So this is a solid, a solid way to build credit. Go out and get three secured credit cards for four or five hundred bucks a piece. Doesn't matter. You don't have to be rich. Matter of fact, you could go out and get one credit card for, let's say, let's say a thousand dollars. Then you can get, um, you can then get like a convenience check. Matt, you're so outdated.

You're so 1980s. It's ridiculous. But it works. I'm trying to... Of course it works. But there's easier ways to do it nowadays with technology, man. Like, I'm telling you, first thing, self. So when I get credit right now, first thing you're going to do is you're going to go to

self.com. Okay. You're going to establish a savings account, a goal, and they're going to report right away. Okay. You're going to go to, I think, it's a rent report or something like that. If not, they can email you and I'll put the websites on your... Actually, this is what you. I'm going to do. I'll put the websites on this podcast. You got to make make them go to your

fans only page. I don't have a fans only page because I thought I had to show my penis and there's same much to show. So you have to go to the fans only page. Then you can tell them what they could already basically look up on you. Okay. So we can do something like that. All right. And I'll put, I'll put his, I'll put his email, Juan's email address in the description. Because if you can contact him. If you have been renting for two years, it's going to show as a trade line, 24 months old. And every time you pay the rent is going to show right there. So you have two right there. Right. And then get your uncle or your own to put you as an authorized user on one of piggyback writing. I understand that

but I'm saying look, I'm saying build your own credit card. Well, but once that this guy puts you on his credit card in 60 days, you can go get your own credit card and forget about the secure credit card situation. All right. I mean, I'll give you five, six websites on and that are solid. And there are things that you are doing right now. Right. That if you do them, they'll have to continue being you. You just got to continue being you. And it's a lot of stuff you're paying right now that is not a that you're not reporting on right you know okay okay so let's so we're going to keep going with a band man by the way did you know that there is a law that just passed congress and it's on senate right now where the government wants to take over the credit reporting

no and they want to eliminate equifax transunion and experience and they're going to become the credit reporting agency did you know in china that's going to be horrendous did you know in china that they have facial uh facial recognition software almost almost everywhere in the cities and that they tracked. Oh, my God, I have. Oh, I know. Sorry about that. That's probably going to be like, should we? Yeah, Kobe already. I saw Kobe going. I just lost time. Kobe just wrote down the minute when I said that so he can take it out. All right. So what happens is they're actually, they actually track you and like if you litter or you're late on your rent or you're late, like, and they're coming up with it, they call it a social, it's like a social score.

and literally like if you're caught livering, if you're caught smoking on like public transportation, if you're caught, there's all these little things like if you've been caught with a, you know, graffiti or all kinds of little stupid things that they basically combine all these things. They give you a social score and they'll limit how far you can travel,

where you can live, if you can leave the country. And this is something that I, that's why I want your viewers to Google this stuff. If you look at the history of Equifax, that's how they got started. They used to report people's behaviors, relationships with their mother, with their spouses, sexual activity at home, and then they will have a report. And based on that, the lenders will choose to lend you or not, and life insurance and health insurance and all that stuff. So that's before the Fair Credit Reporting Act.

So they created a lot. Thank God they don't report sexual activity anymore. Otherwise, I will get going. I'll get no credit. I'm going to hit the button, hit the button. Okay, boom. up as much as you can because it's a lot of people out here with money they don't have no credit at all they can get a regular but that that's not that's a good advice you know what i'm saying a five

you know what i'm saying only thing that can be holding your points back from being on your credit or you might not even have no credit just for the people that don't have no credit all you need is some trade lines all you need is some um some primaries or whatever you know what I'm saying when she's put that on your credit you straight you feel me you're going to be at a really turn up you're going to be at a really like go to the next level as far as that's what do you say that's not In the history, though, I understand. Ask your bank for a credit card, and if you don't get like a high-limit credit card, my suggestion is just ask for a secure credit card.

So let's say if you've got $5,000, right? You can go inside of your bank and be like, you're acting like it doesn't work. It does work. Why are you going to freeze $5,000? Are you going to pay interest on your own money? The interest is a joke. The interest is nothing. You're just arguing to be argumentative at this point.

Look. Does I show the rental agency? You know what I'm saying? So if they felt like, well, he already got a $40,000 credit card. He already got a $50,000 credit card. We can offer them $100 now. We can offer them $200,000. You know what I'm saying?

So definitely if you're at a good bank, you can get secure credit cards. Listen, listen. When you have larger credit limits and when you have, you know, here, When you have those types of things, the bank is more, if you have good scores and you have larger limits, they are willing to lend you larger amounts of money. That's true. I think people don't understand credit. I think he doesn't understand credit.

Your credit report shows two things, your past and your future. Your score is your future. Your record is your past. It's like you, man. You have a dark past, but you have a brilliant future. Would I introduce you to my daughters? No. because I know your past.

However, you're going to watch this. However, based on your future, you can fool some people. Fool some people. And you're not helping me. So, credit score is the same thing.

So, yeah, I get two credit cards. I'm going to have a score of 700. You know this, man. You know when you go to a bank with brand new credit. How many people you've seen when you wear a mortgage broker? Oh, I have 720 of score.

Yeah, dude, but you only have these credit cards for six months. Right. We need to. years. Yeah, yeah. Or at least at the minimum, yeah, it depends on what you. At least one trade line had to be two years. Yeah, yeah. So, yeah, the score. Well, if not, then you go FHA. If not you go FHA, but then you have to justify the higher interest rate. That's a whole other video that we just did. Yeah, which you should all watch. But, but yeah, no, the score will get you credit cards and we will get you the cars and it

may give you personal loans, you know, but it's not going to give you what people are looking for. For the $200,000 and the $300,000 is not going to happen. No. Okay. Not with one secure credit card. Are you kidding me? You can actually borrow against the $200,000 that sit in your banking account. You can, after you pay that money back, even though it's your money, but it's basically

is helping building your credit. Now you can actually go in there and set something up with them and say, okay, cool. I would like to take out $700,000. I would like a loan for $800,000. You have the history on your credit showing that the $200,000. I'm going to have to pull a little card here, which I, hate pulling. And you know me. You know, you know, you know, you know my history. Dude, I was a freaking millionaire. Right. Okay. My money all came from banks. Right. I didn't just walk

into a bank and said, hey, listen, you know, I've borrowed money, just give me, and I had signature loans. Right. Which a lot of people don't know what they are. He's, he, what he's, he starts off by saying, this is the part, he starts off by saying that, that, that you can go, go to a bank and give them $200,000 and they will lend you your own $200,000 back. And first of all, I don't know, he also starts talking about like putting,

well, we'll see that in a minute. But yeah, so it's like, where are you getting $200,000? And why do you have but credit? Okay. If you have 200 grand, pay your freaking medical bills. Yeah, fix your credit. Yeah.

Just little tips. I know a lot of, about credit and I know a lot about income. It sounds like a caveman, like income good, credit, good. And we're going to watch this part. I have enough people hating me already without having to do this podcast. I'm going to be good. I'm desperately, I'm desperate to read the comment section about people.

Because you don't understand, I'm brown. They won't miss me if they kill me, but you're, you're white. You're a token. All right. You'll make the news. I won't make the news. I'm still a felon. If you don't show up, you'll make the news.

If I don't show up, people will be like, well, there's, you know. me dumb i i feel like all of this is demonetized um so all right uh yeah let's all right play it trade lines all of that so today we're going to talk about and there's obviously an exclusive interview that we're going to be having for our individual uh fans his only fans my individual mastermind so thank you guys for watching individual masterminds that is that what he was actually done cash i've made a lot of cash right and i've like all the businesses that i've been a part of you know i've been real estate wholesaling i made millions of millions of dollars that's all cash there was no credit need um i've been in you know now my e-commerce

business again a lot of cash that i've been moving not a lot of credit that's needed specifically so in my line of business i didn't really need to master the art of credit but for you you had to because you have i mean four million dollars where the exotic cars are renting out you got airbnbs all over the place that you're renting out so you have a lot of cash flow all that's probably true it may be true it's not true man it's not true He's got a diamond necklace. Listen, man. He's wearing Dalscy.

If you have that kind of cash, you're not doing YouTube videos. When I make that money again, I'm never coming to these freaking videos again. So you better take advantage of me while I'm poor. The videos are fun. All right. Trade lines are ways that you can pay people or companies to piggyback off of their credit. so let's say no no he he his definition stop stop stop stop stop right then seven minutes that's fraud that's illegal okay what he's talking about is paying people to add a trade line to your credit right no

what i think he's trying to explain what because that exists yeah no i understand and that's a federal crime i understand unless you do it like like with his jewelers club the the jeweler's because they actually are providing something but if you're just paying someone to put a trade line on your credit that's that that's i have right right now that I pass in classes, 10 indictments fresh of the press that I research on all people that paid to have trade lines added to their credit so they could go get some credit. Right. So, okay, but I feel like what he's saying, he's still talking about piggybacking.

He keeps saying trade lines are piggybacking, but what he means is what he just does it, he's just not very good at clarifying. What he's trying to say is, you need trade lines. And one of the ways to get trade lines on your credit to build your, your credit is built by trade line. Trade lines are loan, auto loans, credit card loans, personal loans, student loans, whatever the loans are. And not all trade lines are good. Right, right. But he, yeah, oh no, you're going to, like furniture stores, not good. Right. We, we talked about that earlier. Like, that's not a, that's not a, that's not what, like, a, a major credit line.

That will kill your credit score, actually. Yeah. Yeah, it's, so anyway, I'm, what I'm, getting at is that he keeps saying that and what he's trying to say is that look you need to build your credit with solid trade lines and then he says how do i how do you get those is he he then jumps back to you can piggyback off people that have legitimate ones and ask them to add you as an authorized user which is what we just went over but he explains it badly and that's why it gets confusing and once again he's trying to move you to his fun only page his fans only page You can basically pay them Sorry

That's fraud That's what I'm telling you about He's telling you that you can pay somebody Dude Oh my God Man Somebody just got indicted You're now

For doing this I know but I've heard him say Like there's another video where he's just Like he and another guy They talk about straight fraud They talk about Listen to what they talk about This is this another

They have another video call me This information cannot be out there man They have another Sure it can't it's fine. Let them get some people indicted. So the other thing he does is he has a video where he talks about, here's how you acquire real estate. You buy a property, you tell the lenders you're going to live in it. Then once you get the loan, you then go and you get another property because you only have to put down 5%, three to 5% if you're going to live in the property depending

on whether it's conventional FHA. So he says, tell him you're going to live in it, put down 5%. Then he says the next and then you rent it out. The next property, you say, hey, I'm going to live in this one you rent it out you get the 95% loan you rent it out then you get another property you say hey i'm going to live in this one that's called owner occupancy fraud correct and it's like there's like eight major frauds eight major scams and you know there's like a cashback scam there's a log cabin scam there's a farming scam which is was my personal favorite there's straw man's and one of them mine yeah one of them is called um it's called owner occupancy fraud and it's very common but he blatantly spells it out. Like that's his

one of his strategies with this other guy, this real estate guy, the real estate guys, they're talking about... The only blessing we have here is most people are procrastinators. So they'll look at this thing and they'll never do it. They'll never do it. And he knows that and we all know that. I mean, I can tell you, listen, you want to raise some money very quickly. If you're

an American citizen, go marry an undocumented alien and charge him 20... I mean, yeah, that's fraud. If you do that... But who many people are going to go out there and do this stuff? And it's an overt act, and the problem is most people are unable to commit overt acts they're simply unwilling i've had guys but he's getting people buying the seminar and he's getting people buying the books or whatever he's selling yeah yeah no no he's i mean the aluminum foil shoes

are not cheap no no those are expensive shoes dossan gubana aluminum so or uh tin foil so but what's what's interesting is you know people once again they'll pay for that they'll buy the things but they just it's pulling the trigger yeah pulling the trigger yeah they don't a lot of people are not doers when i when i when i used to teach my real estate class i used to say wearing pretty Prison or out of prison? No, in prison. When I was in prison. I used to be in your training class. I used to do it. Yeah. It was good. It was good class. It was yeah. When I did that class, guys would come up to me after class and they would say, bro, you're giving out all this knowledge? Aren't you worried that people are going to go out and do it? I was like, you understand I can tell a thousand people this. Maybe one guy will go out and do it. And even then, I'm not concerned that he's going to do it better than me. Correct. So most of these guys just will not pull the trigger. Because it's not being a millionaire. It's not that difficult. I tell you, what are you start? talking before this podcast about our friends our friend uh lance oh yeah yeah yeah lance it's uh was indicted because he committed a fraud a little bigger than mad's a little bigger than me was how many billion three billion and you know that he paid two billion back well you have to well really

have so he got he kept a lot right colby you know but i but if i had a dime for every time i had to pay a billion dollars or two billion pesos he was going to pay three billion back he just Well, he needed money for the commissary. He just didn't have it on me. He said, I need my money for my commissary and my phone and that kind of stuff. Wouldn't, yeah. He gave me some distinctions on business credit

that are unbelievable and I didn't know about it. That's the kind of stuff that people should be looking into. This is pure madness. Pure, pure madness. But Lance used to teach a business credit class. And like you said, half the people learned that stuff, they didn't do anything with it.

They came out and they, well, we know somebody already done. You know, as many guys that I taught the real estate class to, I had maybe one or two guys that got out. I had one guy that got out was doing stuff, buying houses and selling them, renovating houses selling them. One guy, he sent, and he was like, bro, I'm going to take care of you, I'm going to take care of you. Because I had a lot of guys, I'm going to take care of you when I get out. I'm going to this. I'm going to send you money.

I'm going to care of you in many ways. More than one. I don't know what that is. So one of the guys actually sent me money. he sent me like a hundred maybe 150 bucks in and listen i was super from the okay so they from the yeah super appreciative that he sent me the money because i never expected anybody sent me anything from any of these guys he actually did it we're talking about hundreds oh my god yeah hundreds that's why i used to charge him when i was in prison yeah listen you want me to help you with your

paperwork you know how much how many detainees or inmates at the time depending of where i was credits i fixed in prison and i got their score up and they got out of prison and i have records and on records. You know what we should do? We should take Colby as our prodigy. We should, we should, Colby's like, listen, I don't want to go to prison. I think we should build Colby up to an 800 plus. We should finesse him into an 800 score. He's probably already got an 800 correct. Bro, Colby, you know what I see? Colby is a guy that's done everything right and why are we using Kobe's credit? Why aren't we? Yeah. Stop, stop, stop. Because Colby is a wife that would never let him do. Not if Kobe would do it, but he also has to

bounce everything off of the way. Colby's like a legitimate, regular guy. All right. So let's keep, let's, um, let's, isn't it crazy that we talked about regular guys like that are so rare. Like Kobe, you know Kobe? He's like that one guy that doesn't say screw people out of money. Yeah, he's that one guy. Yeah, like most people are like us. No, they're not. Stop. What are you doing, bro? I mean, I'm going to get flack anyway for just, for just doing this video. All right. All right. So let's continue. Let's finish. I think most people are genuinely good. I'd like to let's finish. Yeah. Okay. next step of

if I don't have no credit cards and I get $30,000 on my credit automatically I would be qualified for at least a $10,000 credit card until that trade line falls off are certain websites that you can join up for and they give you two

five, $10,000 credit points. You know what I'm saying? And they revolve they revolve all the time on your credit. So for instance, my Jewish club is a great They give you $5,000. My drill is a website. It's a website. And that's the primary website.

Yes. Okay. They give you $5,000. That's it. You know what I'm saying? They give you $5,000. Once they give you $5,000, it shows up when your credit, you might shoot up. Girls, the tip.

You feel me? So if you got a primary with an authorized user, which is a train line, you know what I mean, and you put them both together. If you signed up with Experian, Experian is going to recommend you a certain type of credit card. What do you get? history from you got the $5,000 history and you have the age A.U which let's say the AU is 30,000 in the account been open for 15 years if that's authorized you mean a user a authorized user that's where women used to know to get

pregnant oh my god 10 years at 30,000 dollars so what was so you get that's a trade line that you get on your own credit right yeah so he's talking about authorized users what will the banks see and why is that beneficial so now now I want to buy an exotic car. Okay, for instance. Now, if I'm behind, if I'm the banker and you come in versus not having anything on your credit, and you tell me you want this car. They run out right away and buy, and will you get me $200,000 with a, $300,000 with a credit?

I'm going to run out and buy an exotic car. Like a, how you paying for that? How you paying that guy? Or something like that. Sorry or whatever, or they might try to convince you to put over 75% down on the car for, in order from you can think the trust you right you know what I mean because credit is trust that's all it is so I say I'm most people they get primaries first you know what I mean credit is what trust like yeah like my only fans I was telling you I got over 50,000

dollars worth of primaries on there you know what I mean and if you sign up for all 50,000 oh on the only I got over 50,000 you know what I mean that's insane so now that you can get now obviously you have the $50,000 credit card you can invest in multiple different businesses And what were you able to do? So the first thing that I did was when I did all that with the primaries and the A.Us, I basically took the credit off the credit cards and invested. You get what I'm saying? Let my money come back.

When it started doubling, I reinvested back into my credit. You get what I'm saying? Right. Find higher trade lines. You can also get history. Like, I was looking for always for older trade lines, 20-year, 30-year trade lines. You know what I mean? You don't want to get them too old because it's also based on your age.

You can't be 20 years old with a 20 year trail up. You know what I mean? Now, if you're a little older, you can, because some parents, when the kids in high school, they add their kid children on train lines, like 15, 16. Right. So it makes sense, but credit us all about history and just, they just want to see, they just want to feel like they can trust you. I understand.

You know what I mean? So now, so now you get, let's, so really the point of this is if you don't have money, what he just said is you really. really don't have the knowledge. That's what it is. Most people, if you don't have money, it's not that you don't have money. It's that you don't have the knowledge because the money's there. If you finesse and you understand how trade lines work, you can literally get a $30,000 and $50,000 credit card limit overnight. Okay, I'm going to stop because it's not going anywhere. This is not going anywhere. Yeah. This is very repetitive. I would like to mention one thing

that they don't. Because some of that, some of that's true. Some of it's not. Here's the other problem is that, look, if you go into Bank of America and let's say you've gotten the authorized user. I got two people to put me on their card. I got the 15 years worth of perfect credit. They say I have my scores are 760. I can go to Bank of America and I can apply for a credit card for $20,000 or $30,000. That is all possible, right? It is possible. But the problem is the people that are watching these videos, you do understand you have to have to have had a job. Like there's not, this isn't, having the score and the credit isn't the only factor in getting. Just because the guy's name is Vasquez, doesn't mean, you know, are you trying to tell me that my people are

unemployed? I'm, I don't, I'm, not, I'm just saying these are people that, that are not, are not, these are people watching this video that are not, you know, to already have this knowledge and be using this knowledge. These are people that are uneducated, uneducated in credit, uneducated in credit. Listen, the nature of your crime, what was the nature of your crime? The same nature of my crime. People that are unsophisticated, hungry for my, money and you sell them a dream. That is what's happening. No.

I borrowed money from banks. What are you talking about? Stop putting me in your category. That must have been my crime. My crime was, so you all know, take advantage of people that were ambitious but had no knowledge. Yes. So when you are like that, you kind of buy into anybody. You're convincing them to buy houses that they really necessarily couldn't afford.

Yeah. So, but what I'm saying is for you to go into the bank and get a $30,000 credit card, like you have to have been on your job. Of course. And you need to have a history with that bank. Right. Unless you're going to, like, this is a part that I don't understand. Right now, if I apply for a $20,000 credit card or $10,000 credit card, I'm probably going to get the $10,000 credit card. This is what you should do. This is what I don't understand. Why don't you go to nerd wallet.com or bankrate.com. You don't have to walk into any freaking bank. They run your credit, and they're going to tell you, you qualify for these five credit cards.

I don't think he literally meant walk into your bank. I think he meant more, you know, I think he meant more like you go online, you apply online. He doesn't mention credit unions. Credit unions are great. They are great. So here's what I'm saying is that you basically have to have a job. Yeah. So that's the problem is a lot of these things.

They're only mentioning a certain part. Can I lie about my job? I mean, that basically is probably what's going to happen with these guys. Or these guys will get turned down and say, I don't understand. I've been on my job at Walmart for the last four months. So if I make $35,000 a year, would they lend me $50,000 on credit card? No, they're not going to. Unless I tell them.

Because the problem is, is you sit there and you have to fill out the application. And people are like, well, I still make 50. I can make the payments. Yeah, I don't understand. But you do understand that they're going to say, how much is your rent? Oh, my rent, it's $1,200. Then they're going to see your car payment. Oh, so if you answer, if you're making $35,000 a year, you're not getting a $50,000

loan if you put down all of your other bills accurately. Or if you say, I've just been on my job for four months, but I watched Bandman Kevow's video. He said I can come in here. And I'm here to buy my Lambo. Right. I'm here to get $50,000 or $200,000, whatever it is. Like, you have to be able to qualify for that. And nobody wants to hear that.

No, no. No, listen, the fat people don't want to hear that to lose weight, you have to stop eating. No, you just, you need the app roller. You know, you need the app roller. The broke people don't want to understand that to make money, you have to educate yourself. Right. So this is the easy solution. This is a quick fix.

It's hype and he's trying to move you to his fan book. or his fan page, or, I'm sorry, only fans. Or whatever. His only fans. That lets you know that we've been in prison too long. We don't even know what we're talking about. So. He wants to move you to his MySpace.

Yeah. So. All right. And his AOL account. Because some of the stuff is correct. A lot of the stuff he says is correct. I mean, I know you're, I mean. Yeah. I mean.

He, a lot of he has a hard time explaining. And he never quite goes all the way in on, on explaining it. So it sounds good. It's like when I talk about. slip in a house. I'm like, yeah, man, I bought this house for 50 grand. I put 25 in it and I sold it for 150. People think, oh my God. Like, so that is it so easy. So easy. You need 75, like it's not one of the shows. And the other thing is, is my philosophy after serving some quality time with the Feds is, if you cannot say it in front of a federal agent, right, then probably what you're saying

is not quite kosher, if you will. This is a very least fraud base. It could be, could be. Could be. could be perceived that way. It's very trendy, Miami, very trendy. He's going to talk about how to find a hard money lender. You want to know about hard money lenders. What can you tell us about hard money lenders? All right, so hard money lenders is how I got into the flip game myself. See, early on, like I...

Did you're putting me through this again? Really? Money lender, and he ain't checked my credit. All he wanted to do was know that I had a good deal. The deal made sense, and I showed him and gave him faith that I could actually pull it off with my crew that's going to do all of the renovation work. He trusted me. I like the B-roll. All the money that I needed to flip this house, and then I was actually able to go ahead and flip it.

And my first check that I did on a flip up in Baltimore was $85,000. That's what I was able to put back into my pocket at the end of that flip. How do you meet hard money lenders? You can meet hard money lenders by just going to your local rear meetups. every city and state have just a bunch of local real estate investments or newbies that's interesting in a real estate market they all get together

and have these meetups where they all shed and gain to each other Juan and I don't agree on everything but everything he just said is correct like what he said is correct Is it? Yeah it is because he I don't know what the other guy's name with Kevo here is I don't know what this guy's name is but yeah well how do you find a hard money lender

you can go to your local Ria's you know, and you can, you can join them, and they have, like, a lot of them have newsletters, and you can find them. Most of the time, the hard money lender that comes out, he'll look at the property. He's not that concerned with you. He doesn't really care how bad a credit. Look, if you have horrible, horrible credit, and you owe tax liens, and you owe judgments, and you've got, there's, you're in bankruptcy.

He's not lending you the money. So, so that, they, a lot of the stuff they say, they kind of skate over those little things. I think, but if the deal works, if the house is going to be worth $200,000 and you're buying it for $50,000, that means the aftermarket value, once it's renovated, it's worth $200, you're buying it for $50, he'll lend you 65% of the $200,000, right? So if $65% is $130,000, he'll lend you the $130,000, provided you don't have it, your credit is not so insane that you're going to end up having issues when you sell the house. This is what confused. The concept is correct. Yes. Right.

Well, that's all he does. Because the concept is this. If I have a good deal, dude, I don't need a hard lender, a hard money lender. My uncle Joe will go in the deal with me. Because if I have a deal that is $50,000,

like you said, and I'm going to sell it for $200,000. I'm going to put another $50. That's a $100,000 profit. Anybody will go on that deal. Well, I understand, but they're not saying you're friends and family. They're just saying for an average guy

who was raised on the street, has no access to friends and family that have money. The other thing is... You can go to a hardmine lender. This is a thing, is what I'm saying. There is a thing. Hard money lenders are a thing. Apart from tons of them. So have I, and they've got my...

They've saved my neck many times, many times. But they want to know, like, the crew that is going to go in. They want to make sure that the crew has licenses, have permits. He doesn't go over and all that. You know what I mean? So it's not like, listen, I'm going to go to the border. And as they're crossing, as they're jumping the wall, I'm going to make them part of my crew. No, these guys need to be certified and they need to be licensed and all that stuff.

Well, initially, it takes a structure. Right. So initially, look, what he's definitely right about this is that he wants to know you have the confidence to do it. So I've really, now, after I've started with a hard money lender, I've done several deals, things change. Because it's just a guy, right? Typically, it's a long as long as it's not a, yeah, as long as it's not as long as it's not, institution. An institution, it never changes. But if it's just a guy, and that's why he's right, the local guys are better. So they come in, you meet with them, you say, look, I'm buying the house

for $200,000. Sorry, I'm buying the house for $50,000. It's going to be worth $200,000. He knows the area. He looks around and he goes, yeah, this will definitely sell for $200,000. If you do the renovations, then he's going to say, what are you going to do to it, though? So you break, then they want a takedown schedule where you say, well, correct. So I'm going to do this with the first $25,000. I'm going to do this with the next 30,000. I'm going to do this. And they release the funds as you are doing. After you've finished it.

Correct. So they're not giving you 50,000 to buy the house. And your first, you know, your first section of renovations, they're not saying, how much do you need? Here's 25 grand. That's not what's happening. What happens is you have to figure out how to do the $25,000 of renovations first. Then he comes out and releases.

the money after it's done. See, that's the kind of thing they skate over. Contingent to inspection and permits and all the stuff. Right, right. Well, listen, I've done tons of without, without it. But you're supposed to, yeah. So I hear what you're saying. Listen. So, especially as you go along. If they, once, once you've done a couple properties and they realize, wow, this guy does a, he, this guy looked like, you saw those, like, all those pictures can be, they can be. Listen, really? Yeah. I'm just saying, based on the B-roll, those pictures look good. Like, I'm not trying to take anything from the guy. I don't want to...

He may be amazing. I'm going to tell you what my issue is. What's the date of this video? September 14th, 2021. I need somebody to find me a deal. Oh, where this is possible now? Yeah. Oh, yeah.

No. So this is a great concept for the year 2023 when the market goes to shit again. Right. Or when it was 2006, when you destroyed it. Oh, no, that was me. When I destroyed the market. Nice.

That was a great time to do this. Right now, it's different. difficult. It's impossible. But you also have to understand that right now what they're doing is, and we'll see this in the other videos, what they do is, this is conversion. He says a lot of good stuff that it's actually accurate. It's feeding of the greed. And then he switches you to check out my my fans only account and I, and you can join and I will tell you all of the ins and outs. Now, the thing about this guy, and you know, and I hate to, like I'm not trying to hate on it. And I know I asked you this before, but I thought the fans are,

only thing was just to show your penis. No, no, no. There's guys have, like, there's professional guys that are, there are people doing seminars, there are people doing talks. Really? Right. It's just, that's what.

Because somebody told me that you can look at like a midgets and dirty feet and kind of like whatever fetish you're into, you go there and you find it. You can, but you can also, there's professional guys like this guy that have fans-only accounts. Okay. And so you can pay him $500 an hour to ask him questions or I know a guy, and I don't know exactly how much the guy paid him. The guy actually, to talk to him for like 15 minutes or something like that or 30 minutes,

he gave him like 500 bucks for like a 30 minute phone call. And he said, but the problem was, he said the whole time I talked to him, he was like, all he did was like, yeah, yeah, you got to go do this. And he was like, well, how do I do that? He's like, yeah, you got to go to a bank and get that loan. And he's like, he wasn't telling him specifics. I'll tell you one thing that it always worked for me. I don't, you know, nobody has to do the things the way I,

didn't. But when I teach or what I used to teach back in the days, I love to give people the address so they could check it out. Right. Listen, look at this property. I bought it at this place. Check it out right now. Let's go to Google Earth. Right. And take a view of before and after. That kind of stuff. Don't show me renderings or animations. I, you know. B-roll. That may have been, that may have been real B-Roy. That may be, look, anyway. You're killing me. I'm not trying to. But the concept, the hard money concept works. I think everybody should know hard lenders just in case of an emergency, you pull them, you know. But it's more difficult than they're making it sound.

So basically he does explain where you can find them, how you can Google them. Like some of the information is good. Joining those groups is phenomenal. Yeah, right. You can find a lot of, because the thing is it's more than just like borrowing money or finding good houses. Like these guys will have lists of like, here's the best drywallers to use. Here are the guys that I use for my AC. This guy's reasonable.

This guy would do your house or your, you're right? You have, and listen, if anybody's checking this video out and you really, really, really want to find these properties, where I used to find them and where I have people finding them today is on tax deed sales. Right. That's, so you'll find people there that will coach you and teach you how to do it. It works. We're going to see about what is wholesaling. Not that I don't know. Do you not?

Cover my place so I know they can't find me. So wholesale it down to dump off a pack. So wholesaling is very simple. also is when you find a motivated seller connected with a motivated buyer so let's just say you find a property and the seller is willing to take $15,000

and you know a buyer that's willing to pay $30,000 so right out of the back you don't secure $15,000 for yourself then that buyer is going to take that same 30 that he didn't pay put another 50 in it and turn around let's say they just for example might sell it for $150,000 it was a win all the way

Oh my God they made their 15 It was a win for you. You put 15. Now, you got, you got to stop this for a second because this one a little bizarre here. Let me see if I understand. The guy, he found a motivated seller that wants 15,000. So you, check this out.

So you bought it for 15. Right. And then you sold it for 30. So you made 15. Yes. Because the house is really worth 150,000, which is what the last guy is going to sell it for. Right. So I know that doesn't.

Well, first of all, you got to be some kind of moron. if you bought it for 15 and sold it for 30, if it's really worth $150. Well, sell it for $100. I understand. That's after renovations, though. They don't have the money. He's saying, like, I don't have the money to renovate it,

but I can flip the contract. Have you ever flipped contracts? Oh, my God. Of course, options. Yeah, really what they're talking about, it's basically you're just, you're flipping a contract. Like, they're saying, you know, that it's wholesaling. Typical wholesaling is when, like, a bank has foreclosed on

massive amounts of real estate and they're just selling it either to investors and those investors are now selling it again. I'll give you an example of whole setting. This is flipping contracts. My case was based on a property in Fort Lauderdale called Marina Oaks. Marina Oaks was 300 and some apartments. We sold them for $300,000. They ended up being worth about $30,000 after the market crash. That doesn't make sense. Well, that's the reverse of what he's talking about. This is the emotional part of the conversation. This is where I feel really bad about this. so regardless of how much money I made

now you had 300 owners distressed that's a wholesale opportunity you buy for 30 or 20 because the bank took them all right and then you rehab hold on to them they're going to be worth right now I think they're worth like 150 160 if they'd only

held on to them for 15 years well you know I mean patience so the money is on the waiting okay so no it's not oh my god But that's wholesaling, though. Once again, the concept is right. Right.

So here's the problem. Okay. Here's the problem. Now, what he's saying is, you know, the difference between this, and I feel like he's alluding to a simultaneous closing, which here's the problem, is that a lot of the terms that they're using have been diluted or altered slightly, as opposed to what the true real estate terms are. So let me give you an example.

that part i kind of feel like what he's saying and i probably maybe i missed it could be me but he's basically saying so you're trying to sell your property for whatever 15 grand i get a contract with you for 15 grand i sell it to i sell the contract to someone else for 30 grand right so then that person turns around they renovate the property they sell it for 150 000 let's say i'm thinking that's what he's saying but here's the problem you basically need the guy who's buying it from you he got he has to buy it on a cash deal because If that guy is trying to get financing of any kind for that property, they're going to see that the property, the title is jumping from the original owner to you

to the new owner. And that's a simultaneous closing because you're buying it. I'm buying it. You're actually buying it in reverse. This guy bought it for me for 30 before I even buy it. So I close the same day for 15. So I get my 30. I pay 15 to the original owner the same day.

And then it's sold. And then the, of course, the owner, the new owner. has it, he bought it for 50. Unless you do, like, what I used to do is I will, I will write an option contract. And I will tell somebody, listen, you see that house worth 150? Yeah. Yes. I have an option for 15. Give me 30. Yeah. And I'll sell you the option. Right. I'll give this guy the 15 and I keep 15. Right. And I think that's probably that that may or may not be also what he's talking about. But when you get a lender involved, but you know, have an issue. Yeah. And you know what? In our time, we didn't have technology to compete with.

All we had was people. You know who's doing this right now? Zelo. Oh, yeah, yeah. Yeah. So really, you're going to compete with Zillow. Zillow is paying top dollars to the stress buyers right now, and they're buying properties left and right cash. So, I mean, unless you go to like a rinky dinky town where nobody has a computer or internet or what's driving at the prices.

Yeah. All right. So, so. So, yes, the concept, real. Yeah, yeah. You know, but not that simple. But not that simple. Never that simple.

And that's the whole thing is that all of. his videos, he's trying to give you enough to go, oh my gosh, I have to do that. And then he moves you. Well, because you, and you know this, because this is, I get that. That's the nature of our crime. Yeah. The nature of our crime was taking, just providing very little information and taking advantage of the people that got, you know, enough to make a decision. Right. But it's not the right decision. Right. Well, all right. So let's, let's, let's keep going. Now, everybody want to know how to make six figures in real estate. Listen, if you want to make six figures off the back,

you don't got no money, you ain't got no credit, you might not even have a job right now. I'm about to give you all this off on how you can do that right now. So what you can do is do exactly what my brother did. He's 21 years old working at Amazon. He's got a bit of a testimonial issue. Listen, I can bring you right now 150 people that are my students that I don't know.

I may not even like them, right. But they have results. They're not related to me. But this whole, let me tell you how I did it. And you know who else did it? My little brother. And you know who else did it? My grandmother, but she died so she cannot be here today.

You know how much hate you're going to get me, bro? I'm trying to not get hate for this. But yeah, so you're going to make, show me how you make six digits, please. Okay, he's going to show you right now. He's going to show you how you did it. Okay, so I'm playing now and it's it. We're at three minutes and 35 seconds. All right.

sleeping on the couch, I gave him a chance he jumped in the real estate industry and completely changed his life. All you got to do right now is do what's called joint venturing. Joint Venture is just when you partner with another wholesaler to get the deal done. Instead of going out and trying to locate a bunch of motivated sellers, all you need to do is focus on finding all of the other people that wholesale and connect all of the buyers that you have with the sellers that they have and get paid for it. Is that simple? What can somebody do that's... It's not looking to really wholesale real estate, but really looking to make money.

You know, and like a first time home, I cover my place so I know they can't find me. Oh, this is the problem. Strategy. She said it ain't triggering if yo, I got it. This is a real strategy. Listen, this is, this is, I hear real guys, I hear real guys talking. I want to show you something. I want to show you something.

And I want to call me to focus on this for a second. You know, when. you get to a point in your life where you say, man, I'm successful. It's usually when you are, when you realize that somebody that is successful at something is doing what you are doing. And you say, okay, so I guess I've reached that level.

So I want to show Kobe something. Check this out, baby. Same shoes that guy had. I made it. That's when you know you have made it. All right. So let's talk about the no money, 100 grand with a, you just find

bunch of buyers and a bunch of sellers. Oh, you want to talk about that. Okay. Yes. Once again, there is truth to that. Yeah. But not a real estate. On every business. Yeah.

People get caught up on the product. There is money on the leads. Leads is where the monies are. Right. Listen, man, if you sell insurance, I don't need to sell insurance to make money. I just need to sell you the clients. Right.

To make money. So, yeah. Listen, I think anybody that is looking at this, they should look at how to make a landing page, how to market that landing page get the clients and sell them to somebody that's it right okay well here's here's the one that that gets me by the way okay so this is the one it is the the burst right and it is a real strategy of course and it is so so but when you listen to it as as someone who owned a mortgage a brokerage business a mortgage company um someone who was a i was a licensed

fHA and VA lender we did we also did conventional and subprime loans I have a lot of experience, and all of that experience and all of that stuff is still being used to this day. It hasn't changed. No, everybody's like, oh, well, you can't do this no more. That's not how it works. The guidelines haven't changed. Yeah. The difference is, the only difference is when I was doing it, you had to have a 620 credit score, and they raised it to 650.

Well, guess what? They raised it back down. It's 620 again. Correct. So nothing changed. And it's still 3% down on FHA, and it's still first time home buyers and all the stuff. Nothing has changed in the industry. So here's, this is the part that kind of kills me because he says it and it just, it sounds so

like, it's like, wow. Real? It does. It sounds real, but it's, once again, you're not getting enough information so that it's like saying, hey, go apply for this credit card. And we'll see this in the next video. Go apply for this credit card. Just go get the credit card and you apply and this and that.

You know what this reminds me of? It reminds me of the app roller. Remember the app roller? Yeah, yeah. So you have these people with like a big belly and then somebody will show up and say, listen, you want to lose it? Yeah, you want a six-pack? Yeah.

The app roller. Anyway. They don't tell you that you have to change your diet. They don't tell you that you have to move and do cardio and all that stuff. This is the app roller of real estate. So let's check out the app roller. Hold on. Got that a little business.

What the bird strategy is when you buy a property, you're going to renovate the property, rent the property out, refinance it. I'm sorry, stop right there for a second. Please, please, for the love of God. Okay. Is this refinance? Is that, huh? Is that refianense? Oh, is it spelled wrong?

Oh, wow. It's probably a typo. Oh, no, listen, I'm new on this thing. I don't know. It could be something new that the banks are doing. You know what's really funny is that, you know, I wouldn't mind doing a video with Band Man Kevo. However, we tried that already with Big Herk, and that didn't work, Matt.

Yeah, no, the Big Herk thing didn't work. Please. Stop cooperating. Stop doing collaborations. Listen, this guy, this guy, I think he went to prison for two or three years for a credit card fraud. I think that's what he did. I don't know I could be wrong, but somebody had told me that he had already,

he did federal time. Listen, listen, at the very least, he came out and he made a bunch of money. No, no, no. Like, it's not, it's not, listen, it ain't cheap to rent that boat, to rent that fucking, to rent the Lamborghini,

to rent the nice car, to rent all that jewelry. Yeah. That's, that's, and the sale of information does a real business right now. Oh, that's amazing.

Yeah, he's doing good. Of course. I'm just joking. I'm sure he owns all that stuff. That was just a joke. All right, hold on. Here, I'm going to see if I can get my hatred in the comments down for once, because I'm jacking it up like you can't believe.

Like, it's real, is it not out the fucking roof at this point? I'm here. And I don't even feel like I'm being hateful. I'm here to balance this out because people do love me. Because the thing is, I would say all this if the guy was, oh, I would say that if he was here. This is my argument. English is my second language. So I know.

All right, here. Let's go. Let's go. So here it is. So we're at, yeah, we're at four minutes and 31. one second. By the way, this strategy, are they going to see this screen on the on the yeah, yeah, yeah. Okay, this is the strategy. That process. If you do that over and over and over again, you'll be able to build up your

networks. You can liquidate all the properties at any moment, sell everything and cash out on a real big painting. You can, you know what? Okay. My clients used to hope for that. That's exactly what I used to tell them in 2004. Listen, you buy five apartments that are list out. You rehab them. You hold them. on to them. And then 10 years from now, you can sell and make all your money and retire. Well, you're not, you're, and then the market crash. You're missing the point. And I went to prison. Look, you're missing the point here. Okay. I'm going to show you what the point is. Let's go back to, I'm going to show you what the point is. Okay, let's, is that was it, where is it,

where's the strategy? The br? Oh, yeah, there is the burr. All right, hold on. I'm going to, let's, is that an actual thing? What the bird strategy is, you buy a property. You're going to renovate the property, rent the property out, refinance it, then repeat. Okay, let me just explain something to you, okay, from a lender perspective. Now, this is a strategy that sounds amazing, but doesn't work. Let me tell you why. Only because here's why. Now, I could make it work, but I would be buying the properties.

I would be buying the properties correctly, recording the sales incorrectly, and And then I would be refinanced the property because of seasoning. That's correct. Okay. So when you buy a property, here's the issue with this. And that's why if some guy comes in and says, yeah, bro, I bought the property for $100,000. I renovated it. I got an appraisal.

It was worth $200,000. And I refinanced it and got all my money back. And if he told me he did that and it was less than one year because you have to wait one year. You can refinance it immediately. But here's the underwriting guidelines. I buy it for $100,000. If I put $50,000 into the property and it will appraise at $200,000, the lender will only allow me to use the value of the home at the $100,000 I bought it for plus the $50. They won't let me use the $200,000 value, not for one year.

It's called seasoning. They want to have the property seasoned in your name for one year. So I can now, if I can prove I spent $50,000. I can say, okay, and it still has to appraise over the 150. If it appraises it at 150, they'll let me use 150, as long as I can say, I bought it for 100, I can prove that. Put 50 in it, I can prove that. They'll say, okay, we'll go with 150.

But he's saying, but these guys are not going to refinance 100% of the value. No, they're also only going to give you, because you don't live in the property. Correct. It is, it's an investment property. So they're going to give you maybe. 70 to 80%. I was just going to say, if you are lucky. maybe 80% if you're like but let's benefit of the doubt 80% what is you know they're going to get 80% of um of the 80% of 150 so he's got 150 in it he's going to get um 120,000 dollars back with that it's 80% of 150 so he just lost 30,000 dollars so he had to come up with the the hundred thousand to buy the property and the 50,000 now maybe you got a hard money lender

maybe the hard money lender lent him the money and then he refinanced it in which case if he refinanced it at that point he would he probably he might be okay but there's just no way I mean it's even that number he's still losing at least $10,000 to $20,000

even if the hard money lender goes off to $200 it's going to be $130, $130 minus the closing cost by the time he's done he's still losing every property and this is the problem man It does sound good, though. It sounds great. I would love to do this. But you need some financial knowledge

to make these deals work also. You are looking at short-term capital gains, long-term capital gains. You are looking at the appreciation of the property that is going to go against your taxes. I mean, you may actually end up owning a shit lot of money to the government when you sell or when you liquidate

or you sell all these assets. Well, here's the other thing is this. To get the loan, the 80% loan, from the bank a year after you purchased the property to get the 80% you have to qualify for it now you do own the property so it's just a simple refy but here's the problem you have to have you have credit score high credit scores correct you have to have um you have to have been on your job for two years you have to be able to prove that your your debt to income ratio works well enough

that you can afford to pay the mortgage on this um you also have to have perfect uh rental history for two years. You know, there's a, no, and I'm going to throw another curve at you. This may work with the first rental. But in your second one, it's a nightmare by the second, by the third, you're going to refinance about 70 percent. The third one, about 50 percent. The fourth one, you're not going to refinance. Yeah, no. But listen, most, most banks will only allow you to refinance about about five to ten properties. So you know what the solution to this is? Not just that, but you understand. One more thing. One more thing is that that means that every year, You have to have claimed all of your rental income, all your depreciation.

You have to have perfect credit for every one of these. And your income has to continue to grow enough to make sure you continue to get the income ratio. There is one way to make this work the way they wanted to work. One way. Oh, wait, I know. Fraud. Like, listen, my ex-wife had over. I've done this.

Oh, listen, my ex-wife, my ex-wife had got 50. it was actually 54 rental units within one year and I can tell you right now total fraud let me tell you you want to talk about credit manipulation I have people that used to take

the mortgages off the credit and they will apply again and then take care of the credit and then they will up over and over and over we got another video the next video is right down your alley I mean this one's down my alley because I understand that

he's skimming over a lot of this because like I said I'm not question in the knowledge. What I want the viewers to know is it's not that easy. It's not only that easy. If you really want to go that route and you're willing to do whatever it takes to get this done, I need you to either contact me or Matt so we can calculate how much time you're going to do in federal prison. I will do your pre-sentence report. Absolutely, because it's a guideline. So depending on how many properties you do this with, and I tell you what. Whether you get

sophisticated means, did you leave the jurisdiction to evade detection? Did you watch Big Herks video? Are you going to snitch or not? All that has a lot to do with it. Did you use a specialized instrument? By the way, you can get a two-point enhancement for using a specialized instrument in your fraud, and that is simply the computer. Correct, the internet. Did you use the internet?

Can you read? Yeah, oh, sophisticated means. Right, that's an extra two points, which is depending on where your criminal history is. Do you use five banks? Yeah, okay, so that's five victims. Oh, yeah, that's five victims right there. Everybody that you've talked to is basically.

So, yeah, so you're going to end up doing four or five years. But I tell you what, after five years, you can sell your assets and you can do whatever he says to, you know, to leave your happy director. Well, that's assuming that they don't. don't just take every single thing you have, which they will. Okay, so let's, uh, okay, so I've got what's going on with your cell phone. I'm telling you, man. I think your viewers got a call on my, uh, my cell phone and they're calling me to tell me that I suck.

I'm going to go ahead and continue to play this from Colby. I'm going to play it from four minutes and 29 seconds. And I know everybody's screaming and hollering right now. Okay, so, Keep that process. If you do that over and over and over again, you'll be able to build up your network. You can liquid their own properties at any moment, sell everything, and cash out on a real big payday. You can get what's called a bank statement loan. If you haven't done your taxes, you can get with a lender. They'll pre-approved you just based off of your income. Okay, this is a problem.

Based on what income? No, based off your income. If you haven't done your taxes. Right. The set of specific lenders out here that you got to, you know, you got to let me take this one. Yeah, yeah, yeah, I'll help. And they'll approve you for FHL conventional loan just like anybody else.

Now, the catch is you just got to put a little bit more money down. The specific lender that I have, if you got at least a 620, you got to put down around 25% of the purchase price. If you got a 640 and above, you can get away with only put down 10%. Okay. And they're not checking the taxes at all. Wow. That's amazing.

Right. So this is fraud. I was in FHA approved. Listen, that's a straight fraud statement. First of all, I think people need to understand that FHA is not a loan. It's an insurance policy on a loan. Right. Okay. So this guy is saying if you haven't done your taxes. We still have to go by FHA guidelines. Correct. Right. Okay. If you haven't done your taxes, they will go based on your income. Yeah. What income are we talking about? That doesn't make sense. Well, it does make sense. It may sense if you're lying about your income and you don't have. have taxes to prove them. Right, but he's saying, like, how do they determine what your income is if you're not providing them with your taxes? He's saying bank statements, but there's no FHA bank statement program that I know of. Matter of fact, I'm going to go

ahead and go since I'm about 99.99% positive that the federal government is not going to ensure a loan product that they believe is fraudulent, especially after the 2008 financial crisis which proved tons of people these are called liar loans correct and look there are financial institutions out there that are doing them at a certain level where they're doing kind of doing it a little bit but you have to have perfect credit you have like you have and you understand that the liability is on you if that property defaults they're going to be knocking on your door and they're going to tell you listen if you were in the financial position to buy this property and pay for it while setting foreclosure right now

So this whole part of the video, this is where it gets very dangerous, man. This is when the information can get people in trouble. Yeah. By the way, I'd like to also mention the liar loans, you know, where these guys were saying, hey, I'm going to go in. I can't provide my W-2s or pay stubs. I can't prove my taxes. I'm going to go in, but I'm going to tell you that I make enough money.

And that's my point. That's a liar loan. Well, that's what they're saying. So by the way, there's a guy named John LeBron. Oh my God, I know John LeBron 26 years, went to trial, got 26 years Yeah

Still in prison And his whole thing was He said, look, I went to the broker The broker said whatever he said On the application, I provided He told me it was a no doc loan So when they indicted John Roller By the way he did that over and over and over

And over and over like these guys say It's millions Millions. It's millions, millions Yes. John LeBron said I haven't done anything wrong I am going to trial And he did and God bless him because it's the right thing to do

if you truly believe you you didn't do anything wrong. Yeah. Unfortunately, guess what? John LeBron lost at trial. And John LeBron got 20... The only reason I mean, I know 26th

because he got the same sentence as me. And I don't know how many. It was 15, 20, 30 million. I forget how many millions it was. You know what? I don't know that it was... Mine was a... No, yours was outrageous.

But this is one thing that... Like, at the beginning of the video, I said this. Are you willing to say that... statement, that statement that you just said in front of a federal agent. Use us an informational, listen, let's call an agent, and let me tell him my buying strategies, see if they work or they don't work. This thing right here, this strategy about being an entrepreneur and this is a, this is a crime.

Do not, please, if you're watching this, do not engage in this kind of behavior unless you want to go to prison. Yeah, it's an issue. And I know people that it's been an issue for, but listen. Remember Carleton Sheets? Yeah. But it sounds good. This sounds good. Carlton Sheets had to, he disappeared because they were investigating him and they were going

to indict him because of his no money down strategy to buy real estate, which was basically you inflate the price, kind of like, you know, what we all used to do. Oh, listen, I knew, God, what was, I forget the guy, other guy that was, there was a guy that was there who was so arrogant. Gosh, I forget his name. Not Kevin Trudeau. No, no, it was tall. Who else was doing time.

Tall thin, white guy, real estate crime, went to trial. Got like 30 years. Same thing. Just like, just like, you know, unwilling to accept the fact that what you were doing was criminal. And the fact is, is this guy, these, what this is basically, look, look, maybe there's. By the way, they're not committing a crime. They're saying whatever they want to say. Right.

And look, but the fact is, I don't know where this bank exists. It's certainly not an FHA loan. I don't know what you're talking about. Like, I'd love to talk to these guys and say, where is that? You know, and you know what they'd say to me? Well, if you go to my fans only page, if you go to my fans only account and see, sign up we can talk about that but i promise i told you i have a buddy that signed up with him to talk to him on the phone kevo and he said kevo he's like he didn't have any information he wouldn't tell me

anything so he got me to pay 500 bucks because it doesn't exist right it's not true yeah you can't tell you where to go here's impossible here's it but listen we got other videos we're gonna do and he does have some good information some of it a lot of it like it take it with a grain and so but a kevo is a guy with a with a the big fg okay what is this what is fg i don't say anything mean fraud fraud gangster or something like that frog guy maybe frog no there's you go

or a fall guy so no I don't think he's well this guy here's the okay so yeah I think it's good I think it's good stuff I would love to talk to these guys yeah but I want the strategy I want like the give me the

blueprint yeah where's the I want to talk to this lender first I want to go to the city where I can find that motivated seller yeah let's start with that one the one he's selling is his $200,000 piece of property for 15 grand right now in this market right now. Then I want to talk to...

Then I want the crew. I want to meet the crew that is going to do the rehab. Yeah. And by the way, not get paid up front. They're going to do all the work and then they're going to wait

a couple of days to get paid. You don't have how times that's happened to me and they always... As soon as they're done, like, bro, I need the money, bro, I need the money. You said you'd wait three days to get the... Did you ever watch a show called Undercover Billioner? Yeah.

The first season, not the second season. I watched one or two episodes. The first season, the guy does this. He buys an apartment and he flips it and he sells it. he convinced somebody to do the work for him. But first of all, they're spilling the profits. And this guy went to the bank, and he had good credit. And they gave him a line of credit.

So this is not a strategy. First of all, this strategy doesn't work. But a lot of these strategies are not for broke people. No, no, no. You have to have some money. You have to have some money in the bank. And we'll talk about that when he talks about his credit. Because a lot of it, he talks about getting secure credit cards.

And he's like, yeah, so go to the bank and put down 20 grand. First of all, the secure credit card, by the way, it like says up to 9, 9,900. But that's fine. Whatever. That's fine. So let's say it's $20,000 secure credit. And that's obsolete. And today, today, that's obsolete. Right. You've got 20 grand to put. If you got 20 grand, how do you have bad credit? I think this is also about credit. But in two weeks, though. The other one was in 60 days. This one is in two weeks. Oh, yeah, yeah. Yeah. So, yeah, because it's like I said, it's like the abro. It's a new secret. It's the abroller. It's that they came up, you first you come out with a 10 minute abroller. And then you, then you, then you, then you,

Then they say, well, what can I do to make the ab roller better? Let's come out with the eight minute. It's like the seven minute abs and then there's somebody care. Seven. What about the five minute abs? Of course. What are you going to do if the three minute abs come out? Correct.

So anyway, so now he's saying he can, instead of in 60 days, get you like an, is it 800 credit score? Anyway, he's saying now basically improve your credit score in two weeks, which I'm not even sure how that works. But all right, two weeks. So we are at 49 seconds. and let's go ahead and hear what old Kevo has to say. I hear that's, you know, trying to get their credit right now because at first they're thinking if they couldn't buy cash, why get it? But now people are like, hold on, I can really leverage my money now.

So you're really out here changing the game one by one. Yeah, like a lot of people inbox me, they'd be like, man, bro, how can I go through this? What can I do to do this and do that? And I'm just like, man, I feel like what I need to do is set up some type of either trade lines, site or credit cleaning site or you know what I'm saying some way I can just help people you know what I'm saying build a

for free? No no he's not He's not doing it listen Oh okay okay he's not doing nothing for free bro Helping I thought it was for free People didn't know about trades They don't even know they can clean their credit So I'm just like okay cool Oh that's right this one's man

You know I get my credit cleaned often Because you know we all make mistakes We pay shit late Often It's not like wiping your ass That's something that you do once, and that's it. Because everybody out here credits fucked up. Let's get that shit right.

It's always an inquiry. My credit's perfect. I have perfect credit. I have no credit, courtesy to the BOP. Well, that's, yeah. Fucked up out here these days, because it's always an inquiry. It's always addiction, hospital bills, student loans. But when I told you, I was like, yo, man, I'm paying somebody to do my shit.

You kind of was like, yo, you can do that shit on your own. What's the steps to even building your credit to a better level? Okay, as far as, like, it just depends on, like, if you've got to clean your credit, you know what I mean? Like, he means dispute letters. Very first thing you want to do is figure out, like, what's all on your credit and what needs to be removed, what's stopping your points from going up. So what I do is, as far as the very first thing I do is I get these attorney letters.

The very first thing he does is pull your credit. Get your letters out. And once you mail them letters out, you're basically, He acts in the credit bureau, can they remove... Did he say he gets the attorney letters and he copies them? He explained, listen. It's an attorney way. It's like a finesse.

It's a finesse. But, you know what I'm saying? It's a legal finesse to do it. I don't know what that means. Well, do you know that the attorney letters are intellectual property and cannot be copied? You know, and when he says that, he's like, it's a finesse, but it's like a legal finesse. I don't even know what you're saying. Because, first of all, if you're...

He's real vague about it. So he says attorney letters, but I think he means dispute, you know, the average dispute letter. The verbiage. The verbiage. He's copying the verbiage. Yes. But he's, when he starts talking, he starts talking about going and finding letters written by attorneys. I am trying to contain my anger because I'm about to turn into this guy here. So. Because this is a part of the, this is what I don't like. Okay. First of all, you have to understand how the system works to understand how the letter.

works right they have a system called e oscar have you ever heard of e oscar no e oscar is where they scan the letter and once that the letter scan they assign a code to what you're asking for and that code gets sent to the creditor he doesn't know what i oscar is e oscar is an oCR so basically what you got to do is for example the first thing i would have said is do not use an attorney letter okay you handwrite the letter handwrite of course because they can't scan it right right so they'll need a human to read it and they're getting right now they're getting 20,000 letters a day. Yeah. And you printed

hopefully or you write it on yellow paper to make sure it cannot be scanned and you don't need legal terms. You remember when we were in prison how Frank used to say the best motion you write is the one that you write. Yeah, yeah and simple. And we used to joke about like, hey, you can write the judge.

Listen, motherfucker, we do it's my sentence. And green crown, you can use a Yeah. You give me a, I need this is my nice, my nice, my nice guy motion. You should reduce my sentence why, because I'm a nice guy. Slim, A slim. Send it out.

And that goes in the docket, and that is a legal document. Yeah. So this whole legal Mambo-Yambo is to give value to his knowledge. But if you're listening to this, just grab a piece of paper and get a green crayon and say, Equifax, this shit ain't mine. Sign it, send it. That's it. That's a letter.

That's a dispute letter. So, and an effective one, too. So he, but. Once again, I'm sorry, going back a little bit. But you have to add value to what he sells, which obviously. Well, I also, he jumps over. Look, listen, he's not, he does not explain things well. He's not extremely articulate, and that's fine.

I'm beginning to believe that he doesn't really know what the system works. I think that that's very true probably in some ways, but he's, he's, he's trying to move you to his, his fans-only page so that he can make money. And he's making money, listen, if videos are doing great, listen, listen, for his, his whole, you know, for lack of a better, you know, scheme. And a scheme doesn't mean it's illegal. Go right. A strategy. A strategy.

Yeah, people hear a scheme and they think illegal. But regardless, what I'm saying is his whole strategy is to put himself out there as an expert, say some very vague things, and get you to move to his only fans where you have to pay. Where the sauce, where you get the sauce. But you never really get the sauce. So what I'm saying is the first thing I want to clarify is that he is right. The first thing you have to do is pull your credit and find out what's on there and what you want to dispute. Not from credit karma. Yeah, no, not.

Credit karma is not a real thing. That doesn't really, it's not. That score is not real. That information is inaccurate. You can go to annual credit report.com. You can get for free once a year. They give it to you for free. They don't give you your scores for free, but it doesn't matter.

Clearly, you have bad credit, so that doesn't matter. Yeah. You find out what your collections are. You can then find out who to write, who the collection agencies are. If you are watching Bandman Cable, you have bad credit. Yeah. So. That's so bad.

That's an understanding. So, what I'm, so. so yeah okay um colby how many times have you watched bandman kebo in the past zero all right 800 score 800 i'm trying to get him to give me a social security number colby needs to yeah all right so let's let's move forward because he is right you can write letters yourself right i wouldn't pull him from a from a from a lawyer i wouldn't try and find lawyer letters i would just rewrite write your own letter in your own uh in your own words and explain it so handwritten not typed yeah so we're going to continue colby because this is he tells you kind of where to

find the letters. Oh, really? One, two. All right. Now. Fiverr. You can get them off the web, like the dark web. You know what I'm saying? You can get them. The only thing you got to do is basically go to like credit cleaning letters, attorney letters and stuff like that and you can find them. It's your job to make sure that it's set up right to mail them out. You know what I'm saying? Make sure everything's in order and be professional when you're doing it. That's why you are paying people to do it because some people don't want to go through all that. But it's really simple. I always look that shit like, if they can do it, I can do it.

You know what I'm saying? So that was made me just not be lazy. Like, fucking, I'm going to learn how to do it myself. If this guy can operate on somebody, I can operate on somebody. Credit Bureau, you know what I'm saying, until it comes off, basically. That's crazy. So you're just going online, studying this shit. Basically just mastering everything, you know what I mean?

Just everything about everything about credit, how to clean it, how to build it, how to do this, how to do that. Primaries, like we was talking about. Stop right there for a second. My jewelry club and stuff like that. Just. Kobe, you want to know how to make a great chocolate cake? I'm going to give you the recipe.

I'm going to give you a recipe, Batman's style. First thing you do, you take a little bit of this and some of that. Then you put it in that thing. You chuku, chuku, chuku, woo, woo, put it in the oven. Bound, boom, 350. Out. Yummy. Delicious.

If that didn't answer all your questions, you can hit me up on my only fans. Next, we're going to be cooking. cooking paella. All right. So let's keep going four minutes, four seconds. Let's keep going. Anyway, so little primaries that we can add on just to while we add new low primaries trade lines. We mixing it in with primaries, AU. Explain the AU in the trade line because that goes over a lot of people's heads. Like an AU is something that will fall off within a month or three months. No, he doesn't fall off. It stays with you. Yeah, it's as long as you. Using me use their information. So for instance, absolutely untrue. Yeah. Actually. Actually,

the danger of that AU is that stays with you. All alone for eight years, you know what I mean, and they've been paying on time. I will give them $700, right? And they let it report on my credit for maybe about a month to three months. You might get lucky if it lasts three months, right? But it's going to fall off. So he is saying you have perfect credit. You have a credit card with $20,000.

You've got less than $1,000 on the card. You've been paying for 10 years. You are going to pay me $700. I'm going to give you $700 so that you add me as. an authorized signer so it goes on my credit. So I commit fraud. Real thing. It's a real thing. It's a fraud. But it's because of the $700. Correct. If you're just a, if you're my mom or you're my cousin, you want to do it to give me an authorized signer, I got, I'm going to, dude, are you running a telemarketing room on the side or something or what? Are you selling

timeshare vacations? It's through my phone. Oh. And it goes to the computer. I thought maybe you were selling like three nights, two days in Orlando and Disney tickets or something. Oh my God. Don't smile, cold. This is. You're, you're, you're, you're, you're, you're You're only encouraging him. This is Matthew Cox, and right now we're selling these coffee mugs. You're encouraging. Call us now. I'm not selling those.

I actually have coffee mugs, and they're on my store. So I am right. I should use them. You should, yeah. This is the only guy that. Because you know why? Because, you know, Stacy, my friend, Stacy, her sons, her two boys gave me these. Okay, but they're not made by the kids.

No. So they have no sentimental value. But they gave them to me for Christmas. and I like them and they're big and my coffee mugs suck which is probably they're too small I need bigger coffee mugs and I just haven't got around to do it

listen guys all right make sure you hit a Matthew's store and buy some coffee mugs so this so what he's saying now is he's saying now you're going to pay somebody which by the way just made it illegal yeah you cannot be paying people

to add stuff to your credit it has to be somebody that like your cousin who did it because he wants to let you use your credit card the credit cards didn't decide sign this for you to sell it. Right. So, because that means anybody could go out and get 10 credit cars and they could go online and

they could just start selling those author. But here's what he's saying too. And this is why he says it will drop off for 700 bucks. They'll leave it on your credit for 90 days. For 60 to 90 days. And it will drop off because they're going to remove you. But even when they remove you, it stays. Well, I understand, but it's not continually updating.

Correct. But it's going to stay there. It's not that it's going to drop off magically. Now, this is the, this is where it's. dangerous if that person that added you to their credit cards right is late one time that late is actually going to show on your report too okay so that person may damage your credit it's a good strategy but you know but they've been paying on time of course they're right they're fine people don't fall behind on their credit cards no that's a myth all right so let's go ahead and i'm gonna go

the main source for it is if you're trying to get a credit card or trying to get a loan to get the A.U at that time of the time you're trying to get the loan. You get what I'm saying? It's basically like a timely thing that you're doing it for. Like, okay, let me get two AUs. They both 20,000, 20,000, that's 40,000. That shirt, let me apply for the

shoes, a couple of AUs. You know what I'm saying? But if you Now, primaries on the other hand, they report every, I don't matter how long. They might stay on there for two years, three years depending on how long you are paying. What is the primary then? I'm confused

now. You ever heard of itself? Oh, self. He's telling you about self. Yeah, what I just said. Yeah. There's a lot of little sites or whatever that you can use to that have helped your credit a lot. You know what I'm saying? Like what?

Give me more. Give me more, bandman, cable. Don't leave me hanging like this. That's it. I'm at the edge of my seat. That's it. Just went on. So, yeah, he's, and if you go to his fans only page, he'll tell you all about it.

And if you call him for $500. I don't think he knows what this. I don't think he knows, really. I think he'll give you a couple websites and he'll tell you. Well, I don't think he knows. He mentions self because self is on TV. Yeah. But I don't think he...

It's super vague. I don't think he knows. I don't think he's ever been in self. I don't think he knows how it works. I don't think he knows how to open an account. He's driving a Lambo. Well, so am I. I mean, let me rephrase that.

When I get my driver license. Yeah, when you get your driver license and you can... When I'm all enough, Mom. Yeah. And you can rent a car. It's not because I don't have a DUI or I know how to drive. It's just that. So I...

Currently, the United States doesn't believe that it should be driving. You have a buddy who he came down. He lives in another state. He came down. We had dinner and everything. And he rented a lime green Lamborghini. So we go to, so, and listen, he was like, bro, let's take it out. And I was like, I don't want to drive it.

And it was like, why? It's not my car. And I, you know, I get it. It's cool for you. I mean, he's like a multimillionaire. You don't know these people because you were part of the lighter crew in common. But a couple of the Hispanics. over there, a couple of my friends.

They own luxury car rentals in Miami. I can go to Miami anytime and get a Lambo actually for free, not because I'm special, but because I did time with them. As a matter of fact, one of them, I got him a sentence reduction. You know, what's funny is? What is funny about this is that, like, I have guys that when I first started, same thing with the Lambo guy. And he's actually a good buddy of mine.

Like, I love him to that. But he's like, listen, let's go get a yacht, and we're going to get you on the. Like he's saying, he's thinking like, let's set up the whole BS and I go, I don't want to do that. He's like, why everybody does it. It's be great. You could, you know, fake it till you make it. Like, it's for him, it's fun. But we've done that.

Right, but. We faked it until we made it. I know, but he's saying for the purpose. Actually, you faked that a lot. He's saying for the purposes of YouTube and, and. Oh, no. He's saying, like, do it like, because he's like, that's what people do. And I was just like, yeah, I don't want to do it like that.

You know what I would have loved? I want to be authentic. I would have loved for this guy to say, look at. look at this guy's credit report and look at it 30 days later look at these guys you know right look at these guys check that he got for 300,000 dollars and look at his bank account four months ago and I'd love to see the application how did he qualify for that loan of course listen you're really going to do live like a YouTube thing walk to the bank you know listen we're going right now this is me and Matt and we are going to get our first half a million

dollar alone yeah that would be that would be um listen I wouldn't I wouldn't be picking the process apart because it works. But a lot of people, listen, this is... He's definitely, if it is fake, he's faking his way to the top. He's making great money. You have to appreciate certain things from the guy. You got to appreciate the finesse. That is a Bruno Mars show, a song by the way.

If you like the video, do me a favor and subscribe, hit the bell, leave a comment, share the video, leave some nasty comments for, if you're a band man, Kevo. If you're a Spanish, subscribe to the channel. For favor, help in this poor Mr. Blanco here, for favor. I heard Blanco. All right, bro. All right.

I got to get off before he says something in Spanish. All right. All right. I appreciate you guys watching and see ya. Chao.