Asset or Liability? 🤔 Most people never get this one simple idea: An asset puts money in your pocket.A liability takes money OUT of your pocket. That’s it. That’s the whole game. 👇 1️⃣ Your house - If it costs you money every month (mortgage, taxes, repairs) and doesn’t pay you… it’s a Liability. - If it’s a rental that sends you cash flow every month after all expenses… it’s an Asset. 2️⃣ Your car - Car payment, insurance, gas, repairs = money leaving your pocket every month 🚗💸 - Unless that car is being used to produce income (delivery, Turo, business vehicle that nets profit), it’s a liability. 3️⃣ Your credit cards - If you’re using them to buy stuff that doesn’t pay you back… that balance is a liability. - Debt tied to cash-flowing assets (notes, rentals, etc.) can be good if the cash flow > payment. 4️⃣ Investments - Stocks that don’t pay you? You hope they go up. That’s speculation. - Notes, rentals, private lending, cash-flow deals? They PAY YOU while you sleep. That’s an asset. 5️⃣ Retirement accounts - A 401(k) sitting in mutual funds, praying the market behaves = 🚩 - A self-directed account owning notes, rentals, private deals spitting out cash flow = real assets. If you look at your life right now… Are you stacking assets or collecting liabilities with fancy names? 👇 Drop one thing in your life that you thought was an asset… but now realize is actually a liability.

50 Year__________________________________________ 30 Year --------------------------------------------------------------------------------------------------- Purchase price $420,000_________________________ $420,000 Down Payment $42,000__________________________ $42,000 Mortgage Amount $378,000______________________ $378,000 Number of months 600___________________________ 360 Interest Rate 7%__________________________________ 7% Monthly payment $2,274.38_______________________ $2,514.84 👉Total Interest $986,642____________________________ $527,346 👉Interest after 8 Years $209,598_____________________ $201,844 I did this over 8 years because the norm is, people churn out of their financing every 8 to 10 years for various reasons. I realize that if the 50 year carries a higher interest rate then the whole thing blows up! So, to save $240 a month is it all worth it? Please drop a comment below. (After typing this and calculating this manually I could have had AI Spit this out in 20 seconds) Damn!😆

It's going up up up! Buy it rent it Partner up

You can buy a performing mortgage as an investor. What the hell does that even mean? Let me break it down the way nobody on Wall Street will: A borrower buys a house worth $250,000.They put $40,000 down.The bank writes a $160,000 mortgage, with all the normal income, credit, and paperwork boxes checked. Now here’s the part most people never hear: Banks don’t like to sit on these loans. Their business model is: write the loan → sell the loan → recycle the money. But sometimes they screw something up in the file. Maybe it’s a missing doc, a weird guideline issue, or something technical. The payment is still on time. The borrower is still performing. But the big buyers say: “Yeah nope pass.” Now the originator is stuck holding a loan they meant to sell.They label it “scratch and dent” and dump it at a discount just to free up capital. That’s where we come in. As investors (yes, even inside your retirement accounts), we can buy that same good, paying loan at a discount… and collect the principal and interest for the next 20+ years. - The cheaper we buy it 🡆 the higher our yield. - The higher our yield 🡆 the faster our retirement account grows. This is how you start acting like the bank. 👉 Honest question: Would you rather spend the next 30 years hoping your mutual funds behave… or collect payments every month on a mortgage you own as the bank? Drop me a line below. let's talk!

I just spent 3 days (7 hours a day) at a big real estate event and here’s what hit me. They broke the whole game down into 3 roles: Finder The dog on the bone. Calling homeowners, chasing FSBOs, digging through every crack in the market trying to find real deals at 60 cents on the dollar. Their job is to feed the Operator. Operator The flipper. The one in the chaos. Hiring contractors, buying materials, lining up the money, paying everybody, dealing with inspectors, buyers, lenders, drama, delays, all the shit that has to be handled just to get one house sold. Funder The money. Private lender comes in, looks at the numbers, decides yes or no, wires the funds, and then goes back to their life while the Operator sweats it out. When the deal closes, they get paid and look for the next one. Everyone in that room—attendees and coaches—kept pointing to the same “endgame”: 👉 Be the Funder Be the Funder Be the Funder And I’m sitting there thinking: I’ve been doing a version of this for 20 years… but louder. Because the note business is the Funder on steroids. We’re not funding one or two flips, getting cashed out, then letting our money sit around hoping for the next “good deal” to come along. It's also a race to the bottom. The operator is always looking for the cheapest money. Why borrow at 12% when I can get it for 7 or 8 or 6. Those are crap numbers. As note investors, we buy the paper. We buy groups of deals. We control the income stream. We work them out, restructure, modify, foreclose when we have to, and get paid from multiple directions. Some notes pay my retirement accounts for 20 years tax free! My family business can comfortably work 5–6 deals at the same time. Any more than that and yeah, we start to go a little bonkers—but in a good way. That’s leverage. That’s control. That’s being the Funder with way more options than a one-off flip. If you’re tired of only swinging a hammer or chasing leads and you want to see how the “Funder on steroids” side really works, drop a 🔥 in the comments or message me “NOTES” and I’ll walk you through how this model actually builds long-term cash flow.