Lots of good information.

Just wanted to say thank you for being here — showing up, learning, asking questions, and taking action. I’m grateful for this community and excited for what we’re building together in 2026. Enjoy the day, be present, and we’ll get back to work soon. ❤️🎅

👉 I highly recommend you add attending The Real Deal with Heather Kiddo & Team to your schedule if you are in SubTo ✌🏼 or Gator 🐊. 🎲 Subordinate (aka Gap, PML, second position, etc) is one of the highest risk ☠️ forms of lending. To add flavor to that statement, let me share that I am an owner in a debt collections business that has to reject 🙅‍♂️ potential clients daily because there are so many people with gap deals that have gone south 🪫 for one reason or another. 🗝️ The key to doing this well, and lower the risk of losing money, is to get very educated and learn from a variety of people that have been lending actively for years. 🦾 Be safe out there❗... and avoid deals where "they so poo poo" 🚽

Quick lesson I’ve learned here:Most deals don’t fail because there’s no money. They fail because the structure doesn’t match the problem. EMD, double close, stack, echo… each one exists for a specific reason. When you try to force the wrong tool into a deal, title, lenders, or HUD will shut it down fast. Biggest win for me has been slowing down at intake, asking why the funds are needed, and structuring it right the first time. Saves time, stress, and credibility.

Sorry everyone I thought I had introduced myself before, My name's Vicki Stanley. I'm originally from Texas but have lived in Louisiana for about 14yrs now .... I'm new to real estate, been a Gator for about a year now... Here to learn, grow ,& earn... Love to connect with each of you in our community....