Latest / Military Real Estate Rookie Show / Financing First

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Financing First · Military Real Estate Rookie Show

• 0:00
  SPEAKER_00: Hello, military real estate rookies.
• 0:03
  SPEAKER_00: I am your host, Rena.
• 0:05
  SPEAKER_00: Today's topic is a good one, you guys.
• 0:09
  SPEAKER_00: Stay tuned.
• 0:11
  SPEAKER_00: Now, how are you going to pay for that house since you have already identified that you love this house?
• 0:19
  SPEAKER_00: Understanding real estate financing before you buy.
• 0:22
  SPEAKER_00: This is a good one.
• 0:24
  SPEAKER_00: This is going to educate you in understanding the different financing that you possibly would have to go through.
• 0:34
  SPEAKER_00: Okay.
• 0:34
  SPEAKER_00: So you found a house, you love the house, you already picked out the bedroom.
• 0:40
  SPEAKER_00: You already decided where the Christmas tree is going.
• 0:43
  SPEAKER_00: You can see yourself on the back porch drinking your coffee.
• 0:48
  SPEAKER_00: And then somebody says, Okay, how are you going to pay for this house?
• 0:54
  SPEAKER_00: How are you going to pay for it?
• 0:56
  SPEAKER_00: And then suddenly you're like, that's why I'm calling you.
• 1:00
  SPEAKER_00: Welcome back to the Military Real Estate Rookie Show, the podcast where we break down real estate home ownership, investing, and money behind the scenes.
• 1:12
  SPEAKER_00: I'm your host, Rena Baron.
• 1:15
  SPEAKER_00: And today we're talking about one of the most important parts of real estate and it's financing.
• 1:22
  SPEAKER_00: Yes, financing.
• 1:24
  SPEAKER_00: Because before you fall in that house, in love with that house, you need to understand how you're going to pay for it.
• 1:31
  SPEAKER_00: We're going to talk about conventional financing.
• 1:34
  SPEAKER_00: We're going to talk about FHA loans.
• 1:37
  SPEAKER_00: We're going to talk about VA loans.
• 1:39
  SPEAKER_00: We're going to talk about USDA loans, investment property financing, interest rates, pre-approval, closing cost, cash purchases, and one of the biggest questions of all, ding, ding, ding.
• 1:55
  SPEAKER_00: How much house can I really afford?
• 1:58
  SPEAKER_00: So grab your coffee, grab your notebook, write it down.
• 2:02
  SPEAKER_00: Write all this down because I know you guys are busy.
• 2:05
  SPEAKER_00: So write all these things down so you can make sure that you can review it.
• 2:09
  SPEAKER_00: And let's talk money.
• 2:11
  SPEAKER_00: All right.
• 2:12
  SPEAKER_00: So what does financing actually mean?
• 2:15
  SPEAKER_00: Let's start with the basics.
• 2:17
  SPEAKER_00: When we talk about financing real estate, we're talking about how we're going to fund the purchase of the property.
• 2:24
  SPEAKER_00: For most buyers, that means getting a mortgage.
• 2:28
  SPEAKER_00: But there isn't just one type of mortgage.
• 2:31
  SPEAKER_00: And that's important because the loan that works for one person may not necessarily work for you.
• 2:38
  SPEAKER_00: Your income, your credit profile, your military obligations and eligibility, property type, location, down payment, debt, and financial goals can affect what type of financing you get.
• 2:53
  SPEAKER_00: So no one has the same financing.
• 2:57
  SPEAKER_00: And that's why I tell people don't start with the house, start with the financing.
• 3:03
  SPEAKER_00: Because you need to know what is your buying power.
• 3:07
  SPEAKER_00: Okay, before you spend every Saturday driving around looking at houses, talking to a qualified lender, know your numbers.
• 3:15
  SPEAKER_00: Now, we're gonna get into it.
• 3:18
  SPEAKER_00: I'm gonna go through all the loan products that you can get.
• 3:21
  SPEAKER_00: It may not fit you, it may fit you, we never know.
• 3:25
  SPEAKER_00: Okay, so let's start with the conventional financing.
• 3:29
  SPEAKER_00: A conventional mortgage isn't a loan that isn't part of the government-issued loan program, such as VFHA and VA.
• 3:39
  SPEAKER_00: There are different conventional loan options, and the down payment requirements can vary depending on the program and the borough.
• 3:48
  SPEAKER_00: And there's something important.
• 3:50
  SPEAKER_00: You don't necessarily need 20% down to buy a house with conventional financing.
• 3:59
  SPEAKER_00: Yeah, you don't need that.
• 4:00
  SPEAKER_00: That is a common misconception, right?
• 4:04
  SPEAKER_00: So you don't necessarily need that.
• 4:07
  SPEAKER_00: What you need is some conventional loans provide allow qualified buyers to put down less.
• 4:13
  SPEAKER_00: And however, putting less down can affect your monthly payment.
• 4:18
  SPEAKER_00: So you have to remember that and may result in mortgage insurance depending on the loan structure.
• 4:24
  SPEAKER_00: So don't just ask, how much do I need down?
• 4:28
  SPEAKER_00: Ask what will my monthly payment be?
• 4:31
  SPEAKER_00: And you run the numbers, and that's the number you need to understand.
• 4:36
  SPEAKER_00: That makes sense.
• 4:36
  SPEAKER_00: I hope it does.
• 4:38
  SPEAKER_00: And the next one is the FHA financing.
• 4:42
  SPEAKER_00: Now let's talk about FHA financing.
• 4:45
  SPEAKER_00: FHA loans are insured by the Federal Housing Administration and can be an option for eligible buyers and who meet the program requirements.
• 4:54
  SPEAKER_00: And one reason buyers consider FHA loans is that they often carry a lower-down payment than some traditional financing.
• 5:03
  SPEAKER_00: But here's the important part of this: lower down payments doesn't mean free money.
• 5:09
  SPEAKER_00: You still have to qualify.
• 5:10
  SPEAKER_00: You know, you still have to have closing costs, you still have to have loan costs, you still have to have mortgage insurance, can be a part of that payment.
• 5:19
  SPEAKER_00: So don't just look at it as a down payment, look at it as an entire loan.
• 5:24
  SPEAKER_00: Now, the next one is for my military veterans and active duty uh personnel.
• 5:30
  SPEAKER_00: The military family, you know we were getting there.
• 5:34
  SPEAKER_00: So let's talk about VA financing.
• 5:36
  SPEAKER_00: If you're looking for VA financing, if you're looking for VA financing, if you're an eligible veteran, active duty member, or another qualifying buyer, borrow VA backed loans can be an important tool for home ownership.
• 5:53
  SPEAKER_00: One of the features may eligible, one of the features may include borrowers' value in the ability to purchase with no money down.
• 6:02
  SPEAKER_00: When a transaction qualifies and a buyer has sufficient entitlements, that's when you can use your VA loan.
• 6:09
  SPEAKER_00: But I want to make something very clear.
• 6:12
  SPEAKER_00: Zero down does not mean zero cost.
• 6:15
  SPEAKER_00: A lot of that is very misconception.
• 6:17
  SPEAKER_00: You still have to have a lot of the closing costs, fees, prepaid expenses, inspection costs, other transaction expense, and VA law has a specific rule regarding fees and property requirements.
• 6:37
  SPEAKER_00: So if you're a veteran and don't just hear, hey, VA, I don't have to pay anything as a free house, zero down.
• 6:43
  SPEAKER_00: No, no, learn a program, learn the whole entire program.
• 6:47
  SPEAKER_00: You still have to put money in and understand and understand that cost, understand the requirements, and talk to lender who understands VA financing.
• 6:56
  SPEAKER_00: Now, let's move on to USDA financing.
• 7:00
  SPEAKER_00: This is some education that you know some of the MIFs may uh clear some of this things up when I talk about this.
• 7:08
  SPEAKER_00: US USDA loans can be an option for eligible buyers purchasing qualifying properties in eligible areas and meeting applicable income and program requirements.
• 7:22
  SPEAKER_00: And yes, some USDA loans can offer a hundred financing for qualified buying, but there's an important rule there: qualifying, not every property qualifies, and not every borrower qualifies, and not every local location qualifies.
• 7:43
  SPEAKER_00: So, so if you're considering a property outside a major city or a rural or eligible suburb, ask your lender to check the property and program for requirements.
• 7:54
  SPEAKER_00: It doesn't help, it doesn't hurt.
• 7:56
  SPEAKER_00: So if you're thinking about the USDA loan, look for those specific uh lending options that you may qualify for.
• 8:05
  SPEAKER_00: Now moving on to investment property financing for my investors, because financing an investment property can be different from financing your primary resident.
• 8:17
  SPEAKER_00: You may have different down payment requirements, reserve requirements, interest rates, qualified, qualified qualification standards, debt-to-income considerations, and property requirements.
• 8:30
  SPEAKER_00: And lenders may evaluate projected rental income differently, you know, than the regular standard financing.
• 8:38
  SPEAKER_00: So if you're thinking, I'm gonna buy a house and rent it out, don't assume the financing would work exactly like a primary resident.
• 8:46
  SPEAKER_00: Talk to a lender before you make that offer.
• 8:49
  SPEAKER_00: Okay.
• 8:50
  SPEAKER_00: Now, cash is king is one of the next financing tools that you can use to purchase a house.
• 9:05
  SPEAKER_00: And yes, cash can simply file some of the aspect of that traditional leverage when you're working with a lender, right?
• 9:14
  SPEAKER_00: It takes longer, but that doesn't mean you skip your due diligency, right?
• 9:19
  SPEAKER_00: So you still want to get that inspection, understand the property conditions, you still have fees associated with title tax insurance, the contract, the closing costs, potential repairs, and your investment strategy.
• 9:35
  SPEAKER_00: And so just because you can buy cash doesn't necessarily mean you should buy cash.
• 9:41
  SPEAKER_00: And there can be opportunity costs associated with tying up a large amount of capital in property.
• 9:47
  SPEAKER_00: That's a conversation you should have with your financial and tax preparation personnel.
• 9:53
  SPEAKER_00: So the next one is pre-qualification and pre-approval.
• 9:57
  SPEAKER_00: Now, let's clear one thing up.
• 9:59
  SPEAKER_00: Someone says I'm pre-qualified, someone else says I'm pre-approved.
• 10:05
  SPEAKER_00: And what's the difference?
• 10:07
  SPEAKER_00: Well, the terms can be used differently by different lenders.
• 10:12
  SPEAKER_00: So you need to understand exactly what it is.
• 10:15
  SPEAKER_00: Generally, a pre-qualification is based on information provided by your financer.
• 10:21
  SPEAKER_00: And then the pre-approval generally involves, you know, more details, reviews of your financial information, although the exact process varies by lender.
• 10:32
  SPEAKER_00: That's important.
• 10:33
  SPEAKER_00: Don't just assume a letter means that the same thing from every lender.
• 10:38
  SPEAKER_00: They ask different questions, and they also want to make sure that you absolutely qualify for this home.
• 10:46
  SPEAKER_00: And what you have verified, and what documentation did you receive or review, and what conditions remain.
• 10:53
  SPEAKER_00: Understanding financing early can make your home search much more productive.
• 10:58
  SPEAKER_00: The lender approved me for$500.
• 11:01
  SPEAKER_00: $500,000.
• 11:03
  SPEAKER_00: Yeah.
• 11:04
  SPEAKER_00: Okay.
• 11:04
  SPEAKER_00: So, okay, let's talk about it.
• 11:07
  SPEAKER_00: You have finally got an approval for$500,000.
• 11:12
  SPEAKER_00: That's exciting.
• 11:13
  SPEAKER_00: You call your spouse.
• 11:14
  SPEAKER_00: Baby, we're rich.
• 11:15
  SPEAKER_00: We got$500,000.
• 11:18
  SPEAKER_00: We can buy this house.
• 11:20
  SPEAKER_00: Hold on.
• 11:20
  SPEAKER_00: The lender is telling you you may qualify for this based on the information available.
• 11:27
  SPEAKER_00: That doesn't mean you have to spend$500,000.
• 11:30
  SPEAKER_00: You still need to look at it as your monthly budget, other debts, savings, retirement goals, maintenance, taxes, lifestyle, you know, all the things.
• 11:41
  SPEAKER_00: You don't want to be housebroke.
• 11:44
  SPEAKER_00: Your approval amount is not necessarily your comfortable amount.
• 11:47
  SPEAKER_00: So you need to make sure that those numbers are you're comfortable with when you're getting pre-approved.
• 11:53
  SPEAKER_00: So moving on to interest rates.
• 11:56
  SPEAKER_00: Interest rates, I know it's 2026 and the interest rates are all over the place.
• 12:02
  SPEAKER_00: You know, a small change in interest rate can affect the monthly payment and a total interest paid over the life of the loan.
• 12:10
  SPEAKER_00: That's why buyers need to understand rate does not equal payment.
• 12:15
  SPEAKER_00: Your actual payment can also include other costs such as property taxes, homeownership, you know, homeowners insurance, mortgages insurance, and HOA assessments.
• 12:28
  SPEAKER_00: It's not just the interest rate.
• 12:30
  SPEAKER_00: So whenever someone comes to you and says, I wouldn't buy a house because it's the interest rate, it's like, look, it's not just the insurance rate, it's a whole bunch of other things that goes along with it.
• 12:40
  SPEAKER_00: And please don't, you know, sit around and waiting for a perfect interest rate.
• 12:44
  SPEAKER_00: You'll be forever.
• 12:46
  SPEAKER_00: You cannot, you know, try to do the future of a future, a future interest rate that probably meets your need because it's never, it's not gonna happen.
• 12:55
  SPEAKER_00: So nobody has a crystal ball, is what I'm saying.
• 12:57
  SPEAKER_00: Instead, does this payment work for my financial situation?
• 13:03
  SPEAKER_00: And if rates change in the future, refinance and you know, may become an option if you know it makes sense and you qualify, but don't buy a house based on entirely of the assumption that you're financing it later.
• 13:19
  SPEAKER_00: Look at all the things.
• 13:20
  SPEAKER_00: Are you comfortable, you know, buying this home regardless of the interest rate, you know, and don't just say, hey, I'm gonna buy it anyway and refinance it later because it could be you know increasing the interest rate.
• 13:32
  SPEAKER_00: It it could be it could be that.
• 13:34
  SPEAKER_00: So whenever you buy a house, just make sure you're comfortable with the payments.
• 13:37
  SPEAKER_00: Closing costs.
• 13:39
  SPEAKER_00: Let's talk about closing costs.
• 13:42
  SPEAKER_00: Now, sometimes buyers forget this closing costs.
• 13:45
  SPEAKER_00: You still have to put money on the table where you have a VA loan, a USDA loan.
• 13:49
  SPEAKER_00: You still have to, guys.
• 13:51
  SPEAKER_00: You have your purchase price, you have your down payment, but there can also be cloud closing costs associated with getting a transaction closed.
• 14:00
  SPEAKER_00: And this may include appraisal, title insurance, recording fees, property taxes, you know, any other loan costs that's associated with that, escrow deposit, and other settlement expenses.
• 14:15
  SPEAKER_00: You may have to come to the table with the exact amount that the title company told you or an attorney.
• 14:20
  SPEAKER_00: So just be mindful of that.
• 14:22
  SPEAKER_00: And sometimes the contract includes silicon sections and they're accredited toward the lobby costs, but whatever's left over, guess what?
• 14:29
  SPEAKER_00: You gotta pay it.
• 14:30
  SPEAKER_00: But don't assume the seller would pay everything.
• 14:33
  SPEAKER_00: That is a misconception.
• 14:34
  SPEAKER_00: Why would the seller pay everything?
• 14:36
  SPEAKER_00: You know, so please know your is your estimated closing costs, and that's what matters.
• 14:43
  SPEAKER_00: Now, let's talk about your credit.
• 14:46
  SPEAKER_00: The credit matters, let's talk about it.
• 14:48
  SPEAKER_00: Your credit history can affect the ability to qualify for financing and terms available, but accept the cash, right?
• 14:55
  SPEAKER_00: Because you're paying cash.
• 14:57
  SPEAKER_00: So if you're thinking about buying a house in the next six to 12 months, don't wait until you're ready to make that offer to start paying attention to your credit.
• 15:06
  SPEAKER_00: And once you're in the mortgage process, don't make any major financial changes without talking to your lender.
• 15:14
  SPEAKER_00: Don't go out and buy the you know that sofa or anything, or get you know, apply for another credit card.
• 15:20
  SPEAKER_00: Do not do that, you know, opening new accounts, financing new vehicles, you know, big major big purchases.
• 15:27
  SPEAKER_00: You don't want to make a major financial move and then wonder why your lender has 37 million questions on what happened.
• 15:36
  SPEAKER_00: So I just want to make sure that's clear.
• 15:39
  SPEAKER_00: Now let's go back to our military listeners.
• 15:42
  SPEAKER_00: You have some unique considerations.
• 15:44
  SPEAKER_00: Maybe you're active duty, you're a veteran, you're you're retiree, and maybe you're stationed somewhere temporarily.
• 15:52
  SPEAKER_00: Your financial decision should fit your larger plan.
• 15:55
  SPEAKER_00: Ask yourself, where am I going to be in the next five years?
• 16:00
  SPEAKER_00: Could I receive PC PCS orders?
• 16:03
  SPEAKER_00: Would I keep this property as a rental property?
• 16:06
  SPEAKER_00: Would I sell it?
• 16:07
  SPEAKER_00: Can I afford the property management?
• 16:09
  SPEAKER_00: Don't just think about getting into the house.
• 16:12
  SPEAKER_00: You know, think about the after effect after you get the keys, you know, because those are some things that you need to know as you move on to, you know, building your career, whether you, you know, getting ready to retire.
• 16:24
  SPEAKER_00: Those are some things to think about.
• 16:27
  SPEAKER_00: Now, your realtor and your lender have two different jobs.
• 16:32
  SPEAKER_00: This is important.
• 16:33
  SPEAKER_00: Your lender helps you understand the financing side.
• 16:37
  SPEAKER_00: Your realtor helps you navigate the real estate transaction.
• 16:42
  SPEAKER_00: Okay, your realtor can help you search for properties, understand the market conditions, prepare offers, negotiate contract terms, transaction milestones, understanding the process, and appropriate professionals, all right.
• 16:59
  SPEAKER_00: But your realtor isn't your lender, and a lot of times people get that mixed up.
• 17:03
  SPEAKER_00: They ask, you know, hey, about you know, the funding piece of it, but really your realtor doesn't have anything to do with that, and your lender isn't your realtor.
• 17:12
  SPEAKER_00: So please, you need both and you need the team that communicates, but they don't do the same jobs, and probably most likely on the next episode.
• 17:21
  SPEAKER_00: I'll most likely make a educational purpose on that lender versus realtor.
• 17:28
  SPEAKER_00: If you guys want to hear that.
• 17:30
  SPEAKER_00: So the next one is why you should talk to me before you start house hunting.
• 17:36
  SPEAKER_00: Yes, I am a realtor.
• 17:39
  SPEAKER_00: Yes, I am a realtor.
• 17:41
  SPEAKER_00: I am not just a realtor, I am a realtor that cares.
• 17:45
  SPEAKER_00: So, and this is where I want to talk directly to you.
• 17:49
  SPEAKER_00: If you're thinking about buying a home in Georgia or Florida, I would love the opportunity to work with you as a rent a realtor, whether you're a first-time home buyer, a veteran, an active duty service member, a spouse, someone moving to Georgia.
• 18:03
  SPEAKER_00: I work for a ton of uh real estate investors moving around across the United States selling your current property.
• 18:10
  SPEAKER_00: If you're buying your next property, just if you have any additional questions that you're interested in this coastal area, please let me know.
• 18:20
  SPEAKER_00: Let's have a conversation before you start making offers.
• 18:24
  SPEAKER_00: I can help you understand the real estate side of this process, help you identify properties that fit your goal, and help you navigate the transaction from contract to close.
• 18:34
  SPEAKER_00: And if you're listening from another state, I can help as well.
• 18:38
  SPEAKER_00: I can connect you with qualified real estate agents across the country.
• 18:43
  SPEAKER_00: So you don't have to be in Georgia or Florida for us to have a conversation.
• 18:47
  SPEAKER_00: No, you may start with me and I'll help you connect with someone local when appropriate.
• 18:54
  SPEAKER_00: Okay?
• 18:54
  SPEAKER_00: So I hope these tips help.
• 18:56
  SPEAKER_00: I hope this education is continuing to help me my military real estate rookies.
• 19:01
  SPEAKER_00: Now, today's I'm giving you Rena's rookie rule.
• 19:05
  SPEAKER_00: Get your financing figured out before you fall in love with the house.
• 19:10
  SPEAKER_00: Because it's better to know your numbers first than to fall in love with a half a million dollar house when your comfortable budget is like roughly$350.
• 19:19
  SPEAKER_00: Know your financing, know your payments, know your cash to close, have money in the bank, know your budget, and then let's go house honey.
• 19:31
  SPEAKER_00: Yes, that's it.
• 19:33
  SPEAKER_00: You know, because you don't want the what they say, you don't want to put the car before the horse.
• 19:38
  SPEAKER_00: So before you start shopping, know number one, what type of financing am I considering?
• 19:46
  SPEAKER_00: Number two, where is my estimated purchase price range?
• 19:52
  SPEAKER_00: Number three is what is my estimated monthly payment?
• 19:56
  SPEAKER_00: Number four is how much cash do I need to close?
• 19:59
  SPEAKER_00: And number five is what are my estimated taxes and insurance?
• 20:05
  SPEAKER_00: And number three, do I have emergency reserves?
• 20:09
  SPEAKER_00: What credit or debit issues should I address?
• 20:13
  SPEAKER_00: And number eight is what happens if the interest rates change and I'm still going to be comfortable paying it.
• 20:20
  SPEAKER_00: And number nine, how long do I expect to own the property?
• 20:24
  SPEAKER_00: And number 10 is what happens if I move?
• 20:28
  SPEAKER_00: If you can answer those questions, you're already having a much better conversation with your lender and your realtor, you know, because those questions you're already prepared for and you've already answered it, you know.
• 20:43
  SPEAKER_00: So look at that as a stepping stone to getting that home and comfortable living in it.
• 20:50
  SPEAKER_00: Now, real estate rookies, if you're listening to this podcast and if you listen to this episode and you're thinking, okay, Rena, ready to start.
• 20:59
  SPEAKER_00: Here's what I want you to do.
• 21:01
  SPEAKER_00: If you're buying or selling in Georgia or Florida, reach out to me.
• 21:05
  SPEAKER_00: Let's talk about your real estate goals, you know.
• 21:08
  SPEAKER_00: Let's talk about, you know, what you foresee in the future.
• 21:13
  SPEAKER_00: You don't have to have everything figured out.
• 21:16
  SPEAKER_00: You don't have to have, you know, know exactly what house you want.
• 21:20
  SPEAKER_00: And you definitely don't have to know all the real estate terminology.
• 21:24
  SPEAKER_00: That's what I'm here for.
• 21:26
  SPEAKER_00: And if you're outside of Georgia or Florida, don't worry.
• 21:29
  SPEAKER_00: Reach out to me anyway.
• 21:31
  SPEAKER_00: If I can't personally represent you, you in the market, I can work to connect you with a real estate professional in my network who may be able to be able to help you, as they are very much educators like I am.
• 21:47
  SPEAKER_00: So you won't have to be coming in, not knowing what's going on, what's the process, what's the step by steps.
• 21:55
  SPEAKER_00: So whether you're in Georgia or Florida or somewhere else in the country, let's start the conversation.
• 22:02
  SPEAKER_00: And if you're a veteran or a military family, tell me that too.
• 22:06
  SPEAKER_00: I love to help military families understand their real estate options.
• 22:10
  SPEAKER_00: You know, share this podcast and don't forget about the podcast.
• 22:14
  SPEAKER_00: And if you learned something today, follow me on Rena Baron Real Estate on Instagram.
• 22:21
  SPEAKER_00: And also subscribe, leave a review, and share this episode to someone who is looking to buy, but I, you know, you just don't know how to finance it.
• 22:31
  SPEAKER_00: Send them this episode because sometimes the first step toward buying real estate isn't finding the house, it's understanding how you're going to finance it.
• 22:41
  SPEAKER_00: So, real estate is a big decision, and financing is a big part of the decision.
• 22:47
  SPEAKER_00: And don't be afraid to ask questions.
• 22:49
  SPEAKER_00: Don't be embarrassed if you don't understand something.
• 22:52
  SPEAKER_00: And don't let someone else's budget become your budget.
• 22:56
  SPEAKER_00: Know your numbers, know your options, build your team, and when you're ready, let's talk real estate.
• 23:03
  SPEAKER_00: I'm Rena Baron, your host of Military Real Estate Rookie.
• 23:06
  SPEAKER_00: And if you're buying and selling in Georgia or Florida, I will love the opportunity to work with you.
• 23:11
  SPEAKER_00: And if you're outside of these areas, reach out to me anyway.
• 23:14
  SPEAKER_00: I love to connect and we can talk about your first steps.
• 23:17
  SPEAKER_00: Thanks for listening.
• 23:18
  SPEAKER_00: Follow the podcast, share the episode, and send me your questions.
• 23:22
  SPEAKER_00: Because around here, we don't just buy real estate, we understand the real estate.
• 23:28
  SPEAKER_00: And I'll see you guys on the next episode.
• 23:31
  SPEAKER_00: Bye.