Latest / Earn Your Leisure / REAL-WORLD EXAMPLE OF HOW A 203K LOAN WORKS

Transcript

REAL-WORLD EXAMPLE OF HOW A 203K LOAN WORKS · Earn Your Leisure

• 0:00
  Speaker 1: Coach, the energy out there felt different. What changed for
• 0:03
  Speaker 1: the team today?
• 0:03
  Speaker 2: It was a new game day, scratches from the California
• 0:06
  Speaker 2: Lottery players, everything. Those games sent the team's energy through
• 0:09
  Speaker 2: the roof.
• 0:09
  Speaker 1: Are you saying it was the off field play that
• 0:11
  Speaker 1: made the difference on the field.
• 0:13
  Speaker 2: Hey, little play makes your day, and today it made
• 0:15
  Speaker 2: the game. That's all for now, Coach, one more question.
• 0:18
  Speaker 1: Play the new Los Angeles Chargers, San Francisco forty nine
• 0:21
  Speaker 1: ers and Los Angeles Rams scratchers from the California Lottery.
• 0:25
  Speaker 1: A little play can make your day. Peace made responsibily.
• 0:28
  Speaker 1: Must be eighteen years or older to purchase plate or claim.
• 0:30
  Speaker 3: So now we're going to go into what you guys
• 0:31
  Speaker 3: actually are on TV for as far as you know,
• 0:35
  Speaker 3: fixing up homes and flipping homes in Chicago, specifically in
• 0:37
  Speaker 3: South sud Chicago, Right, that's your the area you focused on,
• 0:40
  Speaker 3: all right? So okay, so what's the real estate opportunities
• 0:44
  Speaker 3: because in Chicago were in Chicago, So I think it's
• 0:46
  Speaker 3: important to talk about how like that, Yeah, before we
• 0:49
  Speaker 3: start anything, how is this what's Chicago real estate looking like?
• 0:52
  Speaker 4: And what's the real estate opportunities in Chicago? There are
• 0:55
  Speaker 4: a lot of opportunities in Chicago. Man, we have one
• 0:58
  Speaker 4: of the hottest mark it's in the country. Right. The
• 1:01
  Speaker 4: question is, you know, it's just how are you starting?
• 1:04
  Speaker 4: I mean, if you do have your your credit and
• 1:07
  Speaker 4: your and your and your money saved up, you know
• 1:09
  Speaker 4: what I'm saying. As a first time home buyer, there's
• 1:12
  Speaker 4: an enormous amount of opportunities, and we advise people that
• 1:14
  Speaker 4: are starting off to go for cash flow, go get
• 1:17
  Speaker 4: that three or four unit of property, or go get
• 1:20
  Speaker 4: a two or three K renovation loan or some kind
• 1:23
  Speaker 4: of Fanny made construction loan so that you can get
• 1:25
  Speaker 4: a properties below market value because there's thousands I'm not
• 1:29
  Speaker 4: talking about hundreds of property. There's thousands of properties in
• 1:31
  Speaker 4: the Chicagoland area. Yes, that you can get below market
• 1:34
  Speaker 4: value and renovate and then turn that into a cash
• 1:37
  Speaker 4: flowing property or a property that you live in for
• 1:41
  Speaker 4: a couple of years and you know people talking about
• 1:42
  Speaker 4: house hacking. Now you know, living for a couple of
• 1:44
  Speaker 4: years and then you know, sell it after two years
• 1:46
  Speaker 4: and now you got this check and now you've got
• 1:48
  Speaker 4: capital to start a business or get another property or
• 1:50
  Speaker 4: do multiple things. So when you say, below market value.
• 1:52
  Speaker 3: Like what are we talking about as far as numbers,
• 1:54
  Speaker 3: It's like some what's an example of, like a home
• 1:56
  Speaker 3: that you just recently flipped or something that you can
• 1:58
  Speaker 3: like expect Like, okay, this is some than that is typical.
• 2:01
  Speaker 4: I mean, tell him about the one over the Bronsfield
• 2:03
  Speaker 4: house you were talking about. You said, the last property,
• 2:08
  Speaker 4: the last one. It could be what anything? So what
• 2:11
  Speaker 4: I do use this is hample a lot. So so
• 2:15
  Speaker 4: I got a three thousand square foot greystone single family home, greystone, greystone.
• 2:21
  Speaker 4: What is that? It's like a brownstone, brownstone, oystone, right right?
• 2:27
  Speaker 4: So I got a square foot graystone in Bronsville, which
• 2:30
  Speaker 4: is a neighborhood on the south side, got that for
• 2:33
  Speaker 4: two hundred thousand, got it below market value because the
• 2:37
  Speaker 4: recession was going on and the guy was trying to
• 2:41
  Speaker 4: sell it because he was in pre foreclosure. So got
• 2:43
  Speaker 4: it for two hundred thousand. And I used a two
• 2:46
  Speaker 4: O three K renovation loan for that property. So that
• 2:48
  Speaker 4: allowed me to have the money to purchase the property
• 2:50
  Speaker 4: for two hundred thousand, and I also rolled in thirty
• 2:53
  Speaker 4: thousand in renovation. Now this property didn't require a gut rehab.
• 2:57
  Speaker 4: I mean thirty thousand. I did a couple of the
• 2:59
  Speaker 4: bath rooms, redid the porch and the kitchen, and that's
• 3:04
  Speaker 4: what I initially did. Made all of those things look
• 3:06
  Speaker 4: brand new. Didn't touch any of the drywall throughout the house,
• 3:09
  Speaker 4: none of that type of stuff.
• 3:10
  Speaker 5: This is not a fixer upper.
• 3:11
  Speaker 4: So yeah, so this was just updating a great opportunity,
• 3:16
  Speaker 4: and you only put three percent down, three and a
• 3:18
  Speaker 4: half percent. So I came to that closing with seventy
• 3:22
  Speaker 4: seven hundred dollars, so seven thousand, seven hundred dollars. And
• 3:24
  Speaker 4: the reason why is because I couldn't negotiate because it
• 3:27
  Speaker 4: was the bank and it was a foreclosure.
• 3:28
  Speaker 3: I want to, I want to, I want that to gold.
• 3:31
  Speaker 3: People said, because we talked about two or three K
• 3:32
  Speaker 3: loan actually with Jay Morrison, but we didn't go through
• 3:35
  Speaker 3: a real world example.
• 3:36
  Speaker 4: So this is good.
• 3:37
  Speaker 3: So you got two hundred thousand dollars property and then
• 3:40
  Speaker 3: you had thirty thousand for renovation costs, so it's two hundred.
• 3:44
  Speaker 4: And thirty thousands the full long.
• 3:46
  Speaker 3: The two O three K loan allows you to put
• 3:48
  Speaker 3: three to three point five percent down, but the thirty
• 3:51
  Speaker 3: K gets wrapped into the mortgage, so three percent of
• 3:55
  Speaker 3: two thirty is like seven thousand or seven seven. So
• 3:59
  Speaker 3: you got the innovation and the home for not including
• 4:03
  Speaker 3: closing costs, but out seven thousand dollars is how much
• 4:06
  Speaker 3: the down payment was, right, we're closing cost. How much
• 4:08
  Speaker 3: was it with closing cost?
• 4:09
  Speaker 4: I mean I came to closing total all in for
• 4:12
  Speaker 4: seventy seven hundred.
• 4:13
  Speaker 5: How did you roll that into the market.
• 4:16
  Speaker 3: Yeah, because it was all rolled in. Okay, he rolled
• 4:18
  Speaker 3: it into all right, it's good to know.
• 4:20
  Speaker 4: Actually actually rolled in three of the first month's payments
• 4:26
  Speaker 4: into the into the loan also, so I didn't have
• 4:27
  Speaker 4: to make my first payment, and so I was actually
• 4:29
  Speaker 4: moving into the property, which was ninety days later.
• 4:31
  Speaker 5: That's because you were there, was gonna you were updating.
• 4:33
  Speaker 4: The bathrooms, right, because all the updates the relations Okay,
• 4:36
  Speaker 4: I'm sorry I cut you off, sor right, So now
• 4:37
  Speaker 4: speed it up.
• 4:38
  Speaker 3: So all right, you got the property for seventy seven hundred.
• 4:41
  Speaker 3: Now you have it? Now what Now? Now I have it?
• 4:44
  Speaker 4: Renovation needs to start just about immediately. So in that process,
• 4:48
  Speaker 4: I had already got three different contractors to give scope
• 4:51
  Speaker 4: of work so that I can decide which one I
• 4:53
  Speaker 4: wanted to work with as far as you know just
• 4:56
  Speaker 4: completing the work and how much the materials would cost
• 4:58
  Speaker 4: and things, and you make the contractors very honest when
• 5:01
  Speaker 4: they know that they're one of three in nickapeting.
• 5:05
  Speaker 5: What was that process like dealing with contracts, because a
• 5:07
  Speaker 5: lot of times people going to these deals and they say,
• 5:09
  Speaker 5: that's the toughest part is dealing with contractors.
• 5:12
  Speaker 4: We always push doing these these two or three K
• 5:15
  Speaker 4: renovation loans because when you do a renovation loan, there
• 5:19
  Speaker 4: is an inspector who comes behind the contractors on each
• 5:23
  Speaker 4: draw or phase of the project. The money comes each draw,
• 5:28
  Speaker 4: let's say thirty thousand, you get ten thousand. Three times
• 5:31
  Speaker 4: the money comes to the homeowner that ten thousand dollars
• 5:35
  Speaker 4: to pay the contractor. The contractor for the first draw
• 5:38
  Speaker 4: has to do that ten thousand dollars worth of work
• 5:40
  Speaker 4: out of his own pocket. The contractor has to put
• 5:42
  Speaker 4: its own money up and has an inspector who comes
• 5:46
  Speaker 4: to make sure that he's done the work up to
• 5:47
  Speaker 4: code before the money is released to the homeowner to
• 5:51
  Speaker 4: give to them for the next phase. So they don't
• 5:53
  Speaker 4: make their profit until they finished all of the work
• 5:55
  Speaker 4: because they have to go to do the first phase
• 5:57
  Speaker 4: out of pocket, so now the homeowner's protected. There's no
• 6:00
  Speaker 4: contract to getting over on you or trying to convince
• 6:03
  Speaker 4: you that the work is good enough.
• 6:05
  Speaker 5: Quick question now, because I'm thinking like, you guys are
• 6:07
  Speaker 5: firefighters and obviously you guys must know code, right. Did
• 6:10
  Speaker 5: your experience as being firefighters help you during that process?
• 6:12
  Speaker 4: Yes, because I mean as firefighters too, I mean we
• 6:15
  Speaker 4: learn about building construction and we see a whole lot
• 6:20
  Speaker 4: because we in the process of being a firefighter, you
• 6:22
  Speaker 4: see houses that are like burned down and destroyed, so
• 6:24
  Speaker 4: you see and we tear out a lot of walls
• 6:26
  Speaker 4: and ceilings and things like that. So we're kind of
• 6:28
  Speaker 4: on the other side of it. Yeah, and then we
• 6:30
  Speaker 4: also work with a lot of firefighters earners.
• 6:33
  Speaker 5: What's up? You ever walk into a small business and
• 6:36
  Speaker 5: everything just works like the checkout is fast, the receipts
• 6:39
  Speaker 5: are digital, tipping is a breeze, and you're out the
• 6:43
  Speaker 5: door before the line even builds. Odds are they're using Square?
• 6:47
  Speaker 5: We love supporting businesses that run on Square because it
• 6:50
  Speaker 5: just feels seamless, whether it's a local coffee shop, a
• 6:53
  Speaker 5: vendor at a pop up market, or even one of
• 6:56
  Speaker 5: our merch partners. Square makes it easy for them to
• 6:59
  Speaker 5: take payments, manage inventory, and run their business with confidence,
• 7:03
  Speaker 5: all from one simple system. If you're a business owner
• 7:06
  Speaker 5: or even just thinking about launching something soon, Square is
• 7:10
  Speaker 5: hands down one of the best tools out there to
• 7:12
  Speaker 5: help you start, run and grow. It's not just about payments,
• 7:16
  Speaker 5: it's about giving you time back so you can focus
• 7:19
  Speaker 5: on what matters most ready. To see how Square can
• 7:22
  Speaker 5: transform your business, visit Square dot com backslash, go backslash
• 7:27
  Speaker 5: eyl to learn more that Square dot com backslash, go
• 7:31
  Speaker 5: backslash eyl. Don't wait, don't hesitate, Let Square handle the
• 7:35
  Speaker 5: back end so you can keep pushing your vision forward.
• 7:42
  Speaker 5: This episode is brought to you by P and C Bank.
• 7:44
  Speaker 5: A lot of people think podcasts about work are boring,
• 7:47
  Speaker 5: and sure they definitely can be, but understanding a professionals
• 7:51
  Speaker 5: routine shows us how they achieve their success little by little,
• 7:55
  Speaker 5: day after day. It's like banking with P and C Bank.
• 7:59
  Speaker 5: It might seem boring to safe plan and make calculated
• 8:02
  Speaker 5: decisions with your bank, but keeping your money boring is
• 8:05
  Speaker 5: what helps you live or more happily fulfilled life. P
• 8:08
  Speaker 5: and C Bank brilliantly Boring since eighteen sixty five. Brilliantly
• 8:13
  Speaker 5: Boring since eighteen sixty five is a service mark of
• 8:16
  Speaker 5: the PNC Financial Service Group, Inc. P and C Bank
• 8:19
  Speaker 5: National Association Member FDIC.
• 8:24
  Speaker 6: You just realized your business needed to hire someone yesterday.
• 8:28
  Speaker 6: How can you find amazing candidates fast? Easy? Just use Indeed.
• 8:33
  Speaker 6: Stop struggling to get your job posts seen on other
• 8:36
  Speaker 6: job sites. With Indeed sponsored jobs, your post jumps to
• 8:40
  Speaker 6: the top of the page for your relevant candidates, so
• 8:43
  Speaker 6: you can reach the people you want faster. According to
• 8:46
  Speaker 6: Indeed data, sponsored jobs posted directly on Indeed have forty
• 8:50
  Speaker 6: five percent more applications than non sponsored jobs. Don't wait
• 8:54
  Speaker 6: any longer, speed up your hiring right now with Indeed,
• 8:57
  Speaker 6: and listeners of this show will get a seventy five
• 9:00
  Speaker 6: dollars sponsored job credit to get your jobs more visibility
• 9:03
  Speaker 6: at indeed dot com slash po d katz thirteen. Just
• 9:09
  Speaker 6: go to Indeed dot com slash pod katz thirteen right
• 9:13
  Speaker 6: now and support our show by saying you heard about
• 9:16
  Speaker 6: Indeed on this podcast. Terms and conditions apply. Hiring Indeed
• 9:21
  Speaker 6: is all you.
• 9:21
  Speaker 4: Need happen to be in the trades, so we you
• 9:23
  Speaker 4: know you learn a lot through that process also, So
• 9:26
  Speaker 4: I mean the thing is it removed all the fear
• 9:28
  Speaker 4: because you actually had this this inspector who comes and
• 9:32
  Speaker 4: make sure that the work is done complete.
• 9:34
  Speaker 3: So all right, So okay, so now you started the
• 9:37
  Speaker 3: bringing the contractors in.
• 9:39
  Speaker 4: What's the next steps after that?
• 9:40
  Speaker 3: Like how long did it take to fully renovate it?
• 9:42
  Speaker 3: When we were able to get tenants in? Like, what's
• 9:44
  Speaker 3: the deal?
• 9:44
  Speaker 4: Well, well, this was a single family home, so I
• 9:46
  Speaker 4: wasn't I didn't have to deal with tennants. But I
• 9:48
  Speaker 4: had ninety days to get the to get the work done,
• 9:50
  Speaker 4: and it actually it got done in a short period
• 9:52
  Speaker 4: than that. I think we were done in like, you know,
• 9:54
  Speaker 4: sixty five seventy days or whatever. So by the time
• 9:57
  Speaker 4: I had to make my first payment more just payment,
• 9:59
  Speaker 4: I was able to move in, move my front frontiture
• 10:01
  Speaker 4: in and it started. You was living there? Yeah? I lived there?
• 10:04
  Speaker 4: How long did you live there? I was there for
• 10:06
  Speaker 4: three a little about three and a half years. My
• 10:08
  Speaker 4: attention was to be there for two years because I
• 10:10
  Speaker 4: knew that, you know, after two years, I would be
• 10:12
  Speaker 4: able to sell the property no capital gains. And also
• 10:15
  Speaker 4: I knew that my credit would go back up because
• 10:17
  Speaker 4: I did short I did a short sell. See we
• 10:18
  Speaker 4: didn't include that the condo that I had, I did
• 10:21
  Speaker 4: a short sell on that. After two years, my credit
• 10:23
  Speaker 4: went back up, and it coincided with my ability to
• 10:26
  Speaker 4: sell this property with no capital gains. Now I was
• 10:29
  Speaker 4: enjoying myself so much that I actually ended up staying
• 10:32
  Speaker 4: for a little bit longer than I anticipated. We had
• 10:33
  Speaker 4: so many ports, you said, toga parties, and so you
• 10:37
  Speaker 4: guys were both leving boils.
• 10:39
  Speaker 5: You guys are both living in the problem.
• 10:42
  Speaker 3: So can you talk about that capital gains? You said
• 10:44
  Speaker 3: that in two years you allowed you not to play capital.
• 10:47
  Speaker 4: Game, right, so you hadn't been there twenty four months.
• 10:49
  Speaker 4: That's the rule. What is capital Gamespital capital gains is
• 10:53
  Speaker 4: the profit that you make on a property, the difference
• 10:55
  Speaker 4: between how much you paid for it and how much
• 10:57
  Speaker 4: you actually sold the property for it. So the profit
• 10:59
  Speaker 4: is the capital game. And so the tax on the
• 11:02
  Speaker 4: capital game happens on properties that are not your primary
• 11:05
  Speaker 4: residents or you haven't lived in as your primary residence
• 11:07
  Speaker 4: for at least twenty four months. So that's why I
• 11:09
  Speaker 4: knew I needed to be there for at least twenty
• 11:11
  Speaker 4: four months in order to be able to collect those
• 11:14
  Speaker 4: capital games, which in this instance was katy thousand dollars cash,
• 11:19
  Speaker 4: and then be able to then have the capital to
• 11:21
  Speaker 4: move on to buy a multi unit property and then
• 11:24
  Speaker 4: start flipping homes and then partnering with my brother to really,
• 11:28
  Speaker 4: you know, start to do more than we had ever anticipated.
• 11:30
  Speaker 3: So if you don't live in a property for more
• 11:32
  Speaker 3: than a year and you sell it, but you use
• 11:34
  Speaker 3: their proceeds to buy another home, do you still have
• 11:36
  Speaker 3: to pay capital games?
• 11:37
  Speaker 4: Yoe? You can do what they call ten thirty five Yeah, exchange. Yeah.
• 11:42
  Speaker 4: Oh yeah, he knew you knew what you want to
• 11:48
  Speaker 4: there's different way.
• 11:50
  Speaker 3: Yeah, yeah, yeah, I answered my own question, all right.
• 11:55
  Speaker 4: So Okay, in the whole time that he was doing that,
• 11:57
  Speaker 4: mind you, I'm also out to unit buildings while he's
• 12:01
  Speaker 4: doing that. Right, So by the time he sold that
• 12:04
  Speaker 4: property three and a half years later, I already had
• 12:07
  Speaker 4: two three unit buildings and a cash flowing and so
• 12:10
  Speaker 4: it's like the two of us are like like one person, right,
• 12:12
  Speaker 4: because I'm implying one strategy. Yeah, and when his condo
• 12:19
  Speaker 4: went from worth of one fifty to being upside down
• 12:22
  Speaker 4: to thirty thousand, I looked at that I was. I
• 12:24
  Speaker 4: ain't never buying a condo. In fact, I ain't buying
• 12:27
  Speaker 4: a house neither. You know, I'm going straight for the
• 12:28
  Speaker 4: multi unit apartment buildings.
• 12:31
  Speaker 5: Thanks for making that mistake, bro, Yeah.
• 12:34
  Speaker 4: Somebody has to jump out there first, and yeah, bus over.
• 12:36
  Speaker 4: But the thing is what we did learn though, is
• 12:39
  Speaker 4: we learned about the power of cash flow, and we
• 12:41
  Speaker 4: learned about the power of buying properties below market value
• 12:44
  Speaker 4: and being able to get that cash and that leverage
• 12:48
  Speaker 4: for us to then be able to go, Now, now
• 12:50
  Speaker 4: I got this lump summer money, and now it's like, okay,
• 12:52
  Speaker 4: now let's buy another multi unit property. So we for
• 12:56
  Speaker 4: cash flow. Now let's go. You know, we went hard money,
• 12:59
  Speaker 4: you know, did a flip that way, and then you know,
• 13:01
  Speaker 4: from there, now the wheels are turning and now you
• 13:03
  Speaker 4: got the next deal and the next deal, more confidence,
• 13:06
  Speaker 4: more confidence things you know, things go wrong, and those
• 13:10
  Speaker 4: when you get burned when you touch that stove, we
• 13:12
  Speaker 4: don't ever touch it again. So, like, you know, different
• 13:14
  Speaker 4: things that we learned about how we deal with contracts
• 13:16
  Speaker 4: and stuff like that. You know, everything didn't just you know,
• 13:19
  Speaker 4: shoot perfectly, but it still was you know, enabled us
• 13:22
  Speaker 4: to make it to the point where we ended up
• 13:23
  Speaker 4: on TV. How did you how much did you sell
• 13:25
  Speaker 4: that property for? I ended up selling that property for
• 13:27
  Speaker 4: three fifteen six three fifteen and well you want to
• 13:32
  Speaker 4: give the exact three thousand and sixteen thousand and five
• 13:36
  Speaker 4: hundred or whatever it was.
• 13:37
  Speaker 3: But yeah, in two years you held up two years
• 13:39
  Speaker 3: three not bad. So one hundred and sixteen thousand dollars
• 13:43
  Speaker 3: profit that you made right for three years and you
• 13:45
  Speaker 3: got it for seventy seven hundred dollars.
• 13:46
  Speaker 4: How much was your monthly mortgage? A monthly mortgage was
• 13:51
  Speaker 4: like I think it was like fourteen hundred. That's powerful.
• 13:54
  Speaker 3: That's actually really powerful because especially in New York, we're
• 13:58
  Speaker 3: paying rent for nineteen hundred and twenty one hundred, twenty
• 14:01
  Speaker 3: two hundred dollars a month.
• 14:02
  Speaker 5: Where is that at?
• 14:03
  Speaker 4: It's like, right, what twenty twenty one? Is that it
• 14:06
  Speaker 4: is one bedroom?
• 14:07
  Speaker 5: Okay?
• 14:08
  Speaker 4: Not three thousand square feet? No way. Maybe it wasn't
• 14:13
  Speaker 4: three bedrooms and four bathrooms.
• 14:14
  Speaker 5: Maybe nine hundred square feet, no.
• 14:16
  Speaker 3: Man, seven seven hundred square feet, one bedroom, one bathroom,
• 14:19
  Speaker 3: row man.
• 14:20
  Speaker 4: And you gotta get the parking. So you got you.
• 14:23
  Speaker 3: Got a property for seven thousand dollars paying under two
• 14:28
  Speaker 3: thousand dollars a month and you held it for a
• 14:30
  Speaker 3: couple of years and made one hundred and sumi thousand
• 14:32
  Speaker 3: dollars profit. I say that to say a lot of
• 14:35
  Speaker 3: times people don't fully understand how attainable buying a home
• 14:38
  Speaker 3: really is. Ken It's different programs and there's different ways
• 14:41
  Speaker 3: you have to educate yourself. That's one of the reasons
• 14:43
  Speaker 3: of the podcast. But it's it's not as far fetched
• 14:47
  Speaker 3: as it may seem.
• 14:49
  Speaker 4: No, it's not.
• 14:49
  Speaker 5: I think I mean people, I think people live in
• 14:51
  Speaker 5: fair right because they've never seen it. Like I said earlier,
• 14:53
  Speaker 5: it's like we have first generation, so like we don't
• 14:56
  Speaker 5: know what we don't know, Like people don't know that
• 14:58
  Speaker 5: you these these these opportunities are out there.
• 15:24
  Speaker 3: Trying to lose weight.
• 15:26
  Speaker 4: It's time to try hers.
• 15:27
  Speaker 6: At for heurs dot com slash for you, you can
• 15:31
  Speaker 6: access affordable, doctor trusted weight loss treatments tailored just for you.
• 15:35
  Speaker 6: These include oral medication kits or compounded GLP one injections
• 15:40
  Speaker 6: through Hers.
• 15:40
  Speaker 3: Pricing for oral medication kits started just sixty nine dollars
• 15:44
  Speaker 3: a month for a ten month plan when paid in
• 15:46
  Speaker 3: full upfront, no hidden fees, no membership fees.
• 15:49
  Speaker 1: You shouldn't have to go out of your way to
• 15:51
  Speaker 1: feel like yourself.
• 15:52
  Speaker 6: Hers brings expert care straight to you with one hundred
• 15:55
  Speaker 6: percent online access to personalized treatment plans that puts.
• 15:58
  Speaker 1: Your goals first. Reach your weight loss goals with help
• 16:01
  Speaker 1: through Hers.
• 16:02
  Speaker 6: Get started at for hers dot com. Slash for you
• 16:05
  Speaker 6: to access affordable, doctor trusted weight loss plans.
• 16:09
  Speaker 4: That's for hers dot com.
• 16:10
  Speaker 6: Slash for you, f O R H E r S
• 16:13
  Speaker 6: dot com slash for you paid for by hymns and
• 16:16
  Speaker 6: Hers Health.
• 16:16
  Speaker 1: Weight Loss by Hers is not available everywhere. Compounded products
• 16:18
  Speaker 1: are not FDA approved or verified for safety, effectiveness, or quality.
• 16:21
  Speaker 1: Prescription required restrictions at for hers dot com apply