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How to Buy a House with ZERO Credit or Down Payment · Earn Your Leisure

• 0:00
  Speaker 1: So let's start at the beginning with Nacker. So I
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  Speaker 1: had first been introduced to nako in. My sister was
• 0:07
  Speaker 1: actually going through the program with her late husband at
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  Speaker 1: the time, and there was like a seminar that they
• 0:16
  Speaker 1: had to go through, and I was learning I never
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  Speaker 1: heard about the program before that. They didn't actually go
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  Speaker 1: all the way through with the program, which I find
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  Speaker 1: a lot of people don't. The retention is so a
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  Speaker 1: lot of people have criticized Knacker because they're like, it's
• 0:30
  Speaker 1: a lot that you got to go through. It's very strenuous.
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  Speaker 1: So what's the first step in the Knacker process?
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  Speaker 2: Like you said, going to that meeting.
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  Speaker 3: It's about three or four hours and that's all over
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  Speaker 3: the country.
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  Speaker 2: Right. They pretty much break down everything, all of the
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  Speaker 2: benefits of the program, the things that you have to do,
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  Speaker 2: the rules for the program, things you can't do to
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  Speaker 2: the program, and yeah, from there, you know, you sign
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  Speaker 2: up and let them know what date you want to
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  Speaker 2: meet with a mortgage counselor it could be up to
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  Speaker 2: two years out, it could be up to two weeks out.
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  Speaker 2: But you put whatever when you're comfortable. I tell people
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  Speaker 2: all the time, don't go into you're ready you know
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  Speaker 2: what I'm saying, don't go into your like all the
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  Speaker 2: way ready, don't go just trying to see what they
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  Speaker 2: gonna say and all that, like, you know, don't test
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  Speaker 2: the program, like, no, go when you're ready, when you
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  Speaker 2: know you have your documentation order, You got your two
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  Speaker 2: years work history and order, you got your two years
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  Speaker 2: tax history and audio bank statements order like these are
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  Speaker 2: things that all lenders require, not just NAKA. So it's
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  Speaker 2: like you shouldn't be going to a lender any unless
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  Speaker 2: you have this stuff in order anyway, But NACA is
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  Speaker 2: just extra strict about their documentation because essentially, you're going
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  Speaker 2: to these people asking them for hundreds of thousands of
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  Speaker 2: dollars for absolutely nothing.
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  Speaker 3: Your credit ain't shit, you ain't really shit, like you
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  Speaker 3: know what I'm.
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  Speaker 2: Saying, like most of the time, for real, for real,
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  Speaker 2: all time, like, but these people are still willing to
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  Speaker 2: give you a chance. Most lenders, when you go to
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  Speaker 2: them in that situation, what they're doing they're closing, doing
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  Speaker 2: your face and giving you a decline letter.
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  Speaker 3: NAKA. They're gonna give you.
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  Speaker 2: A checklist of things to do and tell you to
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  Speaker 2: come back when you have those things done. Your ID
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  Speaker 2: with them is still gonna be attacked. Your foul with
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  Speaker 2: them still gonna be intact. You're still gonna be able
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  Speaker 2: to update documents and send stuff in, but they're just
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  Speaker 2: not gonna qualify you for a loan until you get
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  Speaker 2: things marked off that checklist.
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  Speaker 4: So it's a pretty strenuous checklist. So it's not it's
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  Speaker 4: thank That's why I'm saying, like people most people with
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  Speaker 4: the common misconception. It's like yo, I've seen people say, Yo,
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  Speaker 4: I tried twice and I just can't.
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  Speaker 3: Get through it. What is it?
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  Speaker 4: Is it the fact that they don't have that profile
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  Speaker 4: that you just spoke about intact, or like, what is
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  Speaker 4: the thing that is blocking people?
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  Speaker 3: To me?
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  Speaker 2: A lot of times it was my own fault. I
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  Speaker 2: was getting in my own way, Like so just my mentality,
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  Speaker 2: you know what I mean. So I'm you know, pointing
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  Speaker 2: a finger at them, Like a lot of times they'll
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  Speaker 2: be like, man, send us to this document or can
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  Speaker 2: you resend this? And I would get mad and frustrated
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  Speaker 2: and want to go back and forth and stead of
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  Speaker 2: just sending the document, like you know what I mean,
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  Speaker 2: So what if you got to send it twice?
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  Speaker 3: Like it's just stuff?
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  Speaker 2: Get lost stuff, get caught up in you know what
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  Speaker 2: I'm saying things like that, and then too a lot
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  Speaker 2: of times people get really frustrated because what they don't
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  Speaker 2: understand is KNAKA is extremely understaffed. They're non for profit,
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  Speaker 2: they're understaffed, and they're overworked. And then you got a
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  Speaker 2: person like me out here screaming from the mountaintops on
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  Speaker 2: eyl where there's millions of people following, Hey, y'all, y'all
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  Speaker 2: can go get y'all Malta, you in it with the
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  Speaker 2: knack of program. So now there's this rush of people
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  Speaker 2: going to the knack of program, and now they're even
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  Speaker 2: more overwork than more overwhelmed. So it's like there has
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  Speaker 2: to be a level of patience and understanding when you're
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  Speaker 2: taking advantage of a program like this and just really
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  Speaker 2: getting like, all right, cool, I know if I exercise
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  Speaker 2: patients at the end of all of this, there won't
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  Speaker 2: be anything better out there for me. So I made
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  Speaker 2: a real the other day that said, I compare NAKA
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  Speaker 2: to Tom Brady and Jordan. They're not the biggest, they're
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  Speaker 2: not the strongest, they're not the fastest, but they're the
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  Speaker 2: best in the clutch when it comes to the closing table.
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  Speaker 2: When you look at those numbers, they're gonna deliver every
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  Speaker 2: single time in the championship. Like you won't find anybody better.
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  Speaker 2: You won't find just you won't find better numbers ever.
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  Speaker 2: And it's the same thing like I said with Brady
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  Speaker 2: and Jordan. No, they're not the most anything, but they
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  Speaker 2: just the best and they delivering the clutch when it's
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  Speaker 2: time too steps.
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  Speaker 1: All right, So you got to go to the seminar. Yep,
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  Speaker 1: that's like an all day thing, three four hours and
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  Speaker 1: they edited. What do they teach you on the seminar?
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  Speaker 2: They don't teach you anything. They just tell you about
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  Speaker 2: the program, you know, like the benefits of the program,
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  Speaker 2: like I say, the rules and different things like that.
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  Speaker 2: NAKA doesn't teach you real estate, so like if you
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  Speaker 2: don't know real estate, you probably have to go learn
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  Speaker 2: real estate and then go through the program. Because I
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  Speaker 2: tell people this all the time, no matter what program
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  Speaker 2: you're going through, if you're going to buy property, have
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  Speaker 2: some knowledge because if you don't, you're at that point
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  Speaker 2: leaving your agent, your attorney whoever to kind of like
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  Speaker 2: hijack your deal and lead you wherever it is you want.
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  Speaker 2: To go as opposed to you quarterback in your own deal.
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  Speaker 2: So have some knowledge and some information on this stuff.
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  Speaker 2: So when you go in, you can kind of tell
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  Speaker 2: your agent, hey, look, I'm looking for a multi unit
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  Speaker 2: property undervalue that has people living in and already cash flowing.
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  Speaker 2: You can tell the lender, hey, look, i'm qualifying. I'm
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  Speaker 2: going to apply for a multi unit property, So don't
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  Speaker 2: just qualify me based on my income. I'll let you
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  Speaker 2: know how much the income the building is generating, you
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  Speaker 2: know what I'm saying. Like, you work with these people
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  Speaker 2: and tell them what it is that you're looking for
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  Speaker 2: so they can put the play together for you, you
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  Speaker 2: know what I'm saying. But if you don't know anything
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  Speaker 2: and you're just depending on these people to do the
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  Speaker 2: work for you, you're not gonna get anything done because that's
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  Speaker 2: not their job.
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  Speaker 4: So that's one of the things, right, So you have
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  Speaker 4: to have to do your due diligence before you go
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  Speaker 4: in anything, and you have to have your profile ready.
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  Speaker 3: Before you go. Well, I want to just ask what
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  Speaker 3: the profile so here? All right?
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  Speaker 1: So you go through the seminar two hours, then you
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  Speaker 1: meet with a counselor and that's like an hour.
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  Speaker 2: And that's and not the counselor meeting depends on you know,
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  Speaker 2: how much of your stuff you got together. Not so
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  Speaker 2: when you meet with your counselor, that's on the thorough
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  Speaker 2: you know what I mean, due diligence. Start with them
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  Speaker 2: background check, you know, bank statement check. Man, give us
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  Speaker 2: your two years tech history, give us your two years
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  Speaker 2: you know what I mean, work history, you know, just
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  Speaker 2: like give us your like history of like you know,
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  Speaker 2: where you've lived for the past ten years, like things
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  Speaker 2: like that that they ask you. And some people can
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  Speaker 2: get frustrated with it because a lot of times we
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  Speaker 2: tend to have the mindset of man, I don't want
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  Speaker 2: nobody in my business. But it's like, bro, like I said,
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  Speaker 2: you're going to borrow hundreds of thousands of dollars from
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  Speaker 2: these people, Like it's the bank. You need to have
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  Speaker 2: a relationship with the bank. NAKA is funded by Bank
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  Speaker 2: of America, So it's no different than going to Bank
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  Speaker 2: of America, City Bank whoever to go and get a loan.
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  Speaker 2: There are gonna be certain things that are required and
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  Speaker 2: if you doing anything fraud or scam me or anything
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  Speaker 2: like that, of course you don't want nobody in your business.
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  Speaker 2: But if you legit man, get these people what they're
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  Speaker 2: asking for because they're essentially about to change your life.
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  Speaker 4: Now, that person that you meet, let's say you've done
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  Speaker 4: those first two steps and you know you sit with
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  Speaker 4: that person. If that person stay with you through the process,
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  Speaker 4: or you pass.
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  Speaker 2: On, your mortgage council is with you throughout the whole process.
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  Speaker 2: That's who you work with. And if there's a time
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  Speaker 2: where you know, you and your mortgage councilor not getting
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  Speaker 2: the loan, they may not be responsive enough. You can
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  Speaker 2: request to change your mortgage counselor like you have all
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  Speaker 2: of those different options to pretty much like I say,
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  Speaker 2: quarterback your own deal, which is what I did. And
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  Speaker 2: like I told y'all, it's not the easiest process because
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  Speaker 2: there are gonna be times where they may not get
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  Speaker 2: back to you. They may not call back. Like bro,
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  Speaker 2: I was pulling up to the office like you know
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  Speaker 2: what I'm saying, like what's up? Like I sent you
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  Speaker 2: all my documents, I did everything that I'm supposed to do,
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  Speaker 2: like now what's the next steps? And you know they
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  Speaker 2: would go review the five like you know what, mister
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  Speaker 2: hamminges you right, I'm sorry. Let me go in and
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  Speaker 2: you know what I mean, push you through whatever the
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  Speaker 2: case may be. But if you're not proactive in your
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  Speaker 2: own situation, nobody's gonna do it for you. And I
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  Speaker 2: think most times people are used to or I don't
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  Speaker 2: know what they used to, because you can't be used
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  Speaker 2: to anything if you've never bought a property, so you
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  Speaker 2: don't even know the mortgage process. So for you to
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  Speaker 2: complain about somebody not reaching out to you or following
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  Speaker 2: up with you, that's not necessarily your job.
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  Speaker 3: It's your job to follow up.
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  Speaker 2: It's your job to send it in documentation, it's your
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  Speaker 2: job to go to the office, like with anything. That's
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  Speaker 2: what I learned, Like, man, I have to be the
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  Speaker 2: person that's kind of like, you know, controlling a quarterback
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  Speaker 2: of my own situation. Otherwise people it's not important to us.
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  Speaker 1: And also it's like like you said, you don't even
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  Speaker 1: know if you haven't been through the process.
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  Speaker 3: And even on a higher level.
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  Speaker 1: So we we're building the homes and you know, these
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  Speaker 1: are million dollar houses, and we had to go through
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  Speaker 1: a bunch of red tape and send stuff and then
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  Speaker 1: the stuff they ask for the stuff that we just sent,
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  Speaker 1: yeh and it's like it's a headache and it's a hassle,
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  Speaker 1: and it's like, you know, it's not the most efficient
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  Speaker 1: buying a home without the most efficient process.
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  Speaker 3: Period.
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  Speaker 2: I love that you just said that, because people don't.
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  Speaker 3: People think it's just knacker, like.
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  Speaker 2: Everybody gonna ask you the double send documents, and it's not.
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  Speaker 2: This is the mortgage process, this is the home playing process.
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  Speaker 2: And y'all don't y'all ain't never bought shit, so you
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  Speaker 2: don't know. So you just complaining about what you think
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  Speaker 2: you should be getting. Just entitlement, be beating you'll ass
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  Speaker 2: whole time. Let's just call it what it is, beating shit.
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  Speaker 4: That's what we say. It's one thousand, right, that's the
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  Speaker 4: first part even getting a home. But now we, like
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  Speaker 4: I said, we're buildings and now we're deale with permits
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  Speaker 4: and that's a whole other process.
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  Speaker 2: And now you got to go through inspections and stuff
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  Speaker 2: that might not approve certain stuff. It's like man all
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  Speaker 2: a time and a patient's thing. And again, no even
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  Speaker 2: in sports' when you're dealing with hundreds of thousands, millions
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  Speaker 2: of dollars, these things take time. These things take time,
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  Speaker 2: and most times when you hear, like I say, about
• 8:49
  Speaker 2: somebody getting offered like a big contract. You hear about
• 8:52
  Speaker 2: them turning the contract down or just not working out
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  Speaker 2: or the deal going bad.
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  Speaker 3: Like this is business. This is just how business works.
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  Speaker 2: Like I said, there are times when you can do
• 9:00
  Speaker 2: everything right and stuff just still won't go your way,
• 9:03
  Speaker 2: like its just and then what do you do? Like
• 9:04
  Speaker 2: you have to get back on the ground. You gotta
• 9:06
  Speaker 2: get back to it. You can't let it discourage you.
• 9:08
  Speaker 2: And a lot of times people get emotional about these things.
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  Speaker 2: That's why you hear so much slander because like now
• 9:15
  Speaker 2: you mad oh nakaa did this to you and not
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  Speaker 2: gonna did That's no, you just quit, like you know
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  Speaker 2: what I'm saying, You quit the process essentially because if
• 9:22
  Speaker 2: you would have stayed down, you would have came up.
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  Speaker 3: Because that's what I did, and that's what my ex did,
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  Speaker 3: and that's.
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  Speaker 2: What my you know what I mean friends did, Like
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  Speaker 2: that's what I've helped so many people through this program
• 9:32
  Speaker 2: who listen. But it's this it's a mindset thing, you
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  Speaker 2: know what I'm saying. Most people don't have their mindset
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  Speaker 2: in order. Like I say, it's entitlement. You feel like
• 9:38
  Speaker 2: you owed something, It's like, nah, man, you gotta go
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  Speaker 2: earn everything that you need that you got out here,
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  Speaker 2: from property to business customers, Like you have to go
• 9:47
  Speaker 2: and earn these things. You have to go and show
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  Speaker 2: and prove. You have to like do what you need
• 9:51
  Speaker 2: to do in order to make things happen. And most
• 9:53
  Speaker 2: people operate in the space of instant gratification. And I
• 9:55
  Speaker 2: think the Internet has a lot to do with that
• 9:57
  Speaker 2: because you see people doing so well, and you see
• 9:59
  Speaker 2: people accomplishing things, and you see more of the celebratory
• 10:02
  Speaker 2: moments online. You don't see the hard, behind the scenes
• 10:06
  Speaker 2: grind that it took. You don't see the offers that
• 10:08
  Speaker 2: I put in and you know what I mean, got
• 10:10
  Speaker 2: turned down or got beat out by cash offers. You
• 10:13
  Speaker 2: didn't see the time we're almost lost ten thousand dollars
• 10:15
  Speaker 2: in earnest money because you know what I mean, the
• 10:20
  Speaker 2: contractors didn't do what they were supposed to do and
• 10:22
  Speaker 2: give me the proper estimates. Just like, it's a lot
• 10:24
  Speaker 2: of things behind the scenes that people just don't know.
• 10:26
  Speaker 2: And practicing patience and understanding how this process goes will
• 10:30
  Speaker 2: make your life and just your process way easier when
• 10:34
  Speaker 2: it comes to stuff and just a lot less stressful
• 10:36
  Speaker 2: because it's like, it's not easy. It's a super stressful process,
• 10:39
  Speaker 2: regardless of whether it's nak an faha conventional. It's a process, man,
• 10:44
  Speaker 2: And I don't think people understand