How laborious is it to purchase a rental property in 2024? With all the excitement round excessive rates of interest and hovering residence costs, you’d suppose that investing in at present’s market is a misplaced trigger. But when a nineteen-year-old can take down his first actual property cope with little or no schooling or expertise, there’s no purpose why you possibly can’t make investments, too!
Welcome again to the Actual Property Rookie podcast! After studying about FIRE (monetary independence, retire early), Elijah Berg realized that rich individuals had one thing in widespread. They weren’t simply investing in shares; additionally they owned actual property! Decided to comply with of their footsteps, Elijah began saving for a down fee and constructed his purchase field. Subsequent, he discovered an investor-friendly agent and lender to assist him discover and fund his property. Finally, he discovered a diamond within the tough—a duplex in an A-class neighborhood.
Tune in as Elijah walks you thru his first deal and shares some private finance ideas that helped him put together for his first funding. On this episode, you’re going to be taught why time available in the market remains to be extra vital than timing the market, and why new buyers shouldn’t permit concern of the unknown to cease them from investing in 2024!
Ashley:We’ve got heard from our rookie viewers that you simply want to hear extra from true rookies. And at present we’re bringing on a visitor who has one property that he bought inside the final 12 months. In fact, he hopes to finally retire from actual property, however he’s simply getting began. He’s undoubtedly the inspiration we’d all want proper now that purchasing actual property after the low pandemic rate of interest remains to be very doable. That is the Actual Property Rookie podcast. I’m Ashley Kehr, and I’m right here with Tony J Robinson.
Tony:And welcome to the present the place each week, 3 times per week, we convey you the inspiration, motivation, and tales it’s worthwhile to hear to kickstart your investing journey. Now Elijah, welcome to the podcast brother. Tremendous excited to be chatting with you at present, man.
Elijah:Hello Tony. Thanks. It’s greater than a pleasure to be right here with you guys
Tony:At 19 years outdated. It’s an unbelievable accomplishment to already be investing in actual property.
Ashley:Yeah. Elijah, to begin the showcase and also you went into point out your 19 12 months, so what have been you doing earlier than you obtain your first property?
Elijah:Somewhat background about me. I work at m and t Financial institution. I’m the vocal custodian there. I’m a boxer, registered boxer inside raised fitness center. I do quite a lot of fishing, play video video games typically, however not a lot then. In order that’s type of why I got here dressed like this and never my go well with that I put on on the financial institution to point out I’m not some man with a high hat and a monocle and I’m similar to a standard child. Most individuals are calling me a child nonetheless, however I’m type of an grownup now. So I discovered fireplace, financially, impartial, retire early after doing a little digging.
Ashley:So Elijah, simply actual fast, while you found fireplace, what made you resolve that you simply have been going to make use of actual property as your car to achieve that monetary independence?
Elijah:And I knew throughout once I was doing penny shares and buying and selling all that, I knew there’s no method all the large cash getters, there’s no method all the large fish are sitting right here doing this. There must be one thing totally different and it’s actual property, which it’s loopy sufficient to suppose that. And actually, with it being actual property, I believe it’s a must to type of discover your personal Why? Simply because actual property was type of the highest finish. Me beginning off in residential, my finish purpose is to be business, finally transfer to accommodations and massive syndications like that. In order that’s the tip purpose. However beginning small like this, you bought to understand that it’s a must to discover love on this. I wouldn’t be doing, there’s the rationale why I give up buying and selling and funding and stuff like that. I didn’t adore it. I had no management over that variable. In actual property, you’ve quite a lot of management. It’s much more forgiving and I truly adore it. I really like saying that I’m the owner. I really like going to my property, rehabbing it day by day. It’s one thing that I really like. I’m constructing fairly actually an empire. That is an empire. That is why I adore it.
Tony:Now, Elijah, I’m tremendous curious man, as a result of now we have quite a lot of of us who’re, you stated you’re 19, however now we have quite a lot of of us who’re of their twenties, thirties, forties, fifties, sixties, who haven’t but found out the right way to save the capital that’s required to really exit and buy actual property. And these are individuals who have perhaps had two or three a long time on you to really save that cash. So I believe the most important query for me proper now could be how did you as a young person accumulate sufficient capital to really go on the market and purchase one thing?
Elijah:Yeah, that’s a extremely good query, Tony, which it’s type of like a caveat, type of like a trick query type of since you acquired to consider it like me being so younger, fortunately I took the trail out to be taught this and I by no means grew up on dangerous debt. I didn’t have the time to discover ways to improperly use a bank card or the right way to tackle dangerous debt. After which now I’m in some rabbit gap. I’m probably the most frugal particular person ever. Once I go to the grocery retailer, I solely go there to get what I want after which I’m out. I’m not getting bag of chips and all this as a result of all that stuff, though it’s small, it actually does add up over time. As an alternative of driving to my fishing spot, I’ll go journey my bike to my fishing spot. That’s how frugal that I’ll actually get.So yeah, I used to be 14. Yeah, I might say I used to be 14 once I first began. I might say a job. I used to be mowing my neighbor’s garden for cash on the weekend, after which at 16 I truly acquired my working papers. I labored at Dunkin Donuts for a very long time. Nicely, not a very long time, solely two years simply to save lots of up as a lot for my automotive. After which after I purchased my automotive, I used to be like, wow, I simply labored all that point simply to purchase this automotive and now my cash’s gone. I’ve a automotive, however now I’ve no cash.
Ashley:You didn’t have that gratification of the type of reward. Yeah.
Tony:Elijah, I need to return to your level although concerning the saving piece as a result of once more, the preliminary capital is the place quite a lot of of us get caught. So clearly you’re working full-time at 16 years outdated, which is wonderful. However perhaps what have been some particular private finance ideas that you simply employed which you could perhaps share with the Ricky viewers to assist them save for that first deal?
Elijah:Yeah, so going again to how I stated due to my age, I actually needed to not begin off on the improper monitor, taking over big pupil mortgage debt, taking over big bank card debt and doing all this nonsense. I type of took the trip to essentially research and the way I can save as a lot as I probably can from the preliminary place to begin once I purchased my automotive and went from zero in my head was as a result of I’m so younger, I don’t have any payments, I don’t have something, payments my gasoline and meals that I needed to essentially get. So I stated in my head, I’m saving all the things I can to place this cash in as a result of with a view to generate income, it’s a must to spend cash. So I’m saving probably the most that I can with a view to hopefully venture me someplace into wherever I need to be someday, which is right here. And from that point, I had no clue it was going to be actual property. I had no clue I used to be going to purchase my home, which is absolutely loopy to consider how in that quick quantity of timeframe that I switched from saving as a lot as I can to hopefully use it someday to raised myself to now investing in actual property.
Ashley:After a fast break, we’re going to listen to extra about how Elijah sourced his first property with an investor pleasant agent. Do you want an ideal agent too? Go to biggerpockets.com/agent. Welcome again to the present. Elijah, while you have been saving, did you’ve a quantity in thoughts or did you do any type of analysis, get a pre-approval to understand how a lot capital you truly wanted to purchase your first property?
Elijah:So I by no means truly had a funds beginning. I put money into Liverpool, New York, which is correct throughout from Syracuse, New York, not that removed from Buffalo, which is once more, it’s tremendous loopy to be right here, Ashley, and he’s like, you’re not even that distant. It’s solely a pair hours. However yeah, I knew I didn’t need to put money into a single household I knew needed to go multifamily, actually solely a couple of 5 or 10% distinction between shopping for a fourplex and shopping for a single household unit and sustaining it and managing it aside from the fee and why not? So I hoped to get a fourplex, however the market right here in Liverpool was type of laborious for that. So I settled for the duplex, which going again to figuring out your market type of, that’s what I imply. You type of should know your market and the place you’re shopping for as a result of with my DTI knew that I wanted to have the preliminary capital, which relying on what mortgage you’re utilizing, that’s going to be nonetheless a lot you’re going to be placing down.I wanted to have my private reserves, six months of non-public reserves. I needed to have 5% reserves for the property in case a heater goes out, no matter goes out, I nonetheless have that preliminary reserve put aside, not counting it inside the cashflow reserve, CapEx, no matter. That’s type of once I refine, I didn’t know, okay, what mortgage product do I actually need to use with a view to decrease my preliminary down fee, which is on the finish all be all goes to maintain extra money in my pocket on the finish of the day. So at the moment, that’s proper. When the brand new Fannie Mae, Freddie Mac, 5% down, that new mortgage got here out.
Ashley:The traditional one?
Elijah:Yep. Yeah. Yep. Typical 5% down Freddie Mae and Fannie Mac. So we used that. And on the time, which is now not obtainable proper now, there was a DL grant for first time residence patrons, which my mortgage officer very really helpful me to make use of. In any other case my DTI could be method too excessive for me to afford this. So with these two, that’s how we actually initially afforded buying the property utilizing that grant, which is now not, I’m certain different banks have it. I imply T doesn’t proper now. So it was solely distributed per financial institution for first time residence patrons. So I used to be actually fortunate to get part of that.
Ashley:Did your mortgage officer let you know about this grant?
Elijah:Sure, sure, she did.
Ashley:Oh, cool. Yeah. Superior.
Elijah:That’s the one factor I didn’t learn about actual property is you possibly can have an agent who’s not likely an investor agent, they’re going to go to the home they usually’re going to point out you cupboards and stuff like that. They’re not going to essentially present you the divot within the ceiling. That’s going to be an enormous CapEx drawback or how the world is that’s going to be available in the market lease. So with my lender, I knew I needed to have an actual property investor pleasant landlord lender, which me working on the financial institution, I actually sat proper throughout from her on Wednesdays. So it was loads simpler to speak together with her versus having to do it over e-mail or everybody name it like that.
Ashley:And for anybody who isn’t sitting proper subsequent to a lender, you possibly can go to biggerpockets.com/lender. And I believe if you find yourself speaking with lenders, that could be a nice query so as to add to that preliminary session is do you’ve any grants obtainable? Nice query so as to add.
Tony:Only one comply with as much as that too. And Elijah, you make an ideal level, and Ashley and I’ve talked about this within the podcast earlier than, however as you’re looking for particularly your first actual property deal, while you go discuss to lenders, don’t essentially inform them, Hey, that is the mortgage product that I need. The purpose and the higher technique is to say, Hey, right here’s the purpose of what I’m attempting to perform. I need to purchase a small multifamily, and while you say Liverpool within the Liverpool space, and hey, what do you suppose is the very best mortgage product for me? After which allow them to assess your whole scenario and say, effectively, hey, Elijah, you’re truly a primary time residence purchaser, so we are able to use this and we are able to mix it with this, and now you’ve acquired a extremely low value mortgage product to make use of. So vital factor you stroll into the financial institution and also you say, right here’s my purpose. Don’t stroll into the financial institution and say, right here’s a mortgage product that I need to use.
Elijah:Precisely. They’re going to stay you with that.
Tony:Yeah, yeah. They’ll simply give it to you. Proper. So Elijah, now we have a way of the purchase field. We’ve got a way of the type of debt that you simply used, however I prefer to perhaps get into some extra specifics concerning the property itself. So we all know it’s a duplex. How did you truly discover this deal?
Elijah:Yeah, so it was truly by way of my realtor who I discovered on BiggerPockets.
Ashley:Superior. We love that. Within the boards or on the agent finder?
Elijah:On the agent finder, what I did is I put in my, okay, I’m going to get into one thing that you simply shouldn’t do in a second, however Steven, thanks a lot for all the things. I wouldn’t be right here with out you, which I discovered him on the BiggerPockets. So once more, what I did do, which I don’t suppose it is best to do, is I went on the agent finder and I messaged each single one of many brokers to type of simply discover who I actually needed to work with. As a result of earlier than I acquired into discovering an agent, one in every of my staff on the financial institution type of really helpful me to an agent, however he was a type of brokers who aren’t actually an actual property investor agent. So after messaging all of these brokers on the BiggerPockets discussion board, I used to be type of like, okay, I need to go view. How am I going to know?How are you going to work for me? If we’re simply sitting right here speaking, we’re not truly viewing their properties. And I’m truly glad I did this, which I’m not recommending once more. So I visited a property with a type of brokers, appropriate, and I advised them from the very starting that that is my first property I need to, and I’m speaking to a number of different brokers simply so I can see how issues go. So viewing the primary property, the primary agent, I’m not going to say any names or something like that. He was type of simply the opposite brokers type of simply let me stroll by way of. He wasn’t actually displaying me, take a look at this dip within the ceiling, that’s going to be an enormous CapEx drawback. Take a look at the inspiration. That’s going to be one other big CapEx drawback. He was type of simply letting me stroll out and really feel it out the identical.So I used to be like, okay, perhaps that’s simply how it’s, perhaps it’s not. So I went to go assessment it with the opposite agent. This wasn’t Steven, and it was type of just about the identical factor. And I used to be like, okay. However the second I talked to Steven, it was a recreation changer. Inside my first couple sentences, I used to be like, I’m type of attempting to flee the rat race. I see my path by way of actual property. And he was like, oh my gosh. Lots of people discuss to him they usually need to go view properties and all these things, however they haven’t even learn a e book of Wealthy Dad Port Avenue or one thing like that. They haven’t begun to get their first step of self-education earlier than attempting to exit and do all these things. So the very second that I even spoke to Steven and walked into the property, he was like, take a look at this, take a look at that.Take a look at this, take a look at that. You don’t need this, you don’t need that. I wouldn’t purchase this. I wouldn’t try this. And that’s the realtor who I needed. I acquired a bit of bit backlash from that as a result of working with Steven after that, the opposite two realtors who I type of was like, okay, to not actually say I don’t need to work with you anymore, however type of simply terminating the connection, not like that I owe them something. I used to be solely viewing the property. You solely get the cash off of the sale, off of the property, and I type of acquired a relationship backlash or that, why are you speaking to this realtor while you’re speaking? what I’m saying? Yeah.
Tony:And Elijah, you stated that you simply don’t advocate doing it that method, however actually, I believe there’s quite a lot of worth in getting a very good really feel for an agent earlier than you truly resolve to work with them. Now, I’m not an actual property agent, so don’t quote me on this, however clearly with the authorized adjustments, the NAR settlement that occurred earlier this 12 months, I’m virtually sure now that earlier than an agent may even present you a property, it’s a must to signal a purchaser’s illustration settlement now. In order that actual technique is perhaps a bit of bit tougher, however there’s nonetheless different methods, I believe, to suss out who the brokers are and which of them you need to work with. So it feels like Elijah, this investor-friendly agent that you simply met by way of bp, they have been those that discovered that duplex for you. And was it simply listed on the MLS?
Elijah:Yep. We visited, it was each single weekend for that preliminary, it was January in the direction of the start of January the place I used to be like, okay, when am I? I’m carried out ready in time to drag the set off. Met Steven from then till April. We have been visiting properties each single weekend, and so it was this one property, it simply got here in the marketplace. He despatched it to me and he was like, I believe we should always examine this out. I used to be like, okay, let’s go test it out. And the second we acquired there, it’s an A category, I might say it’s an A category neighborhood. It’s undoubtedly a category neighborhood. It was excellent walkthrough and all that. And on the finish of the walkthrough he was like, yeah, we’re not getting this. There’s no likelihood. It was simply that good. And he was like, I actually would put a suggestion on this when you don’t. In order that was type, okay, I acquired to do that. However he was like, we’re not getting this. So he’s like, do you continue to need to put a suggestion on this? I used to be like, yeah, effectively why not?
Ashley:Yeah, you would possibly as effectively attempt
Tony:Elijah. One fast follow-up query. When did you truly shut on this property?
Elijah:It was July thirty first
Tony:Of this 12 months?
Elijah:Sure.
Tony:Superior. So the rationale why I ask that’s as a result of there’s quite a lot of actual property buyers who say that there are not any good offers on the MLS, however I believe you simply proved that relying in your technique, relying in your location, relying in your type of marketing strategy, there are very a lot nonetheless offers obtainable immediately on the MLS. And kudos to you for utilizing that. It was a straightforward useful resource for you.
Elijah:Sure, undoubtedly. I do suppose it’s a bit of little bit of luck as a result of there was 10 buyers who seemed on the property earlier than me, and I’m technically not the primary place winner, the primary place purchaser. His lender couldn’t, or his lender determined, you possibly can’t afford this. So that they backed all the way down to the second place purchaser who was me. So ultimately I believe it was type of luck, however not likely, as a result of I’m the one who put on this time, dedication, schooling and dedication, blood, sweat, and tears to really be right here. So ultimately I believe it’s a bit of little bit of a mixture.
Tony:Alright guys, now we have to take our closing break, however extra from Elijah on the right way to break into at present’s market as a rookie proper after this. Alright, let’s soar again in with Elijah.
Ashley:So what was the precise asking value of this property?
Elijah:So it was 165,000 and I put in a suggestion 180, which was my highest that I used to be going to go.
Ashley:And did they accepted it straight away or did it’s a must to counter with them in any respect?
Elijah:Yep. So as a result of the primary place winner, I’m unsure how a lot he supplied, it was in all probability method above 180, however his lender stated, Nope, you possibly can’t afford this. So that they type of simply went all the way down to the second resolution.
Ashley:So then they got here again to you. And that’s the reason it’s all the time so vital to place a suggestion in since you by no means know what might occur if there’s a suggestion larger than you, as a result of I’ve had that occur earlier than too, the place one thing occurs they usually come again to me and say, you understand what? We’d truly prefer to take your supply. So such an ideal thought. Endurance put in that supply it doesn’t matter what, and thank goodness you probably did. Yeah. Okay. So now you’ve acquired this property. What have been you so far as the rehab? How a lot did you estimate for the rehab and the way a lot did it truly value to do the rehab on the property?
Elijah:In order that’s type of one thing that I’m nonetheless within the center. I’m myself am doing the rehab. I inherited one aspect of the unit, so I don’t plan on rehabbing that till the tenants transfer out. The opposite unit, the primary time I walked into there, I used to be like, oh my gosh, I’m going to have to tear down this wall. There’s quite a lot of cracks within the wall and stuff. I’m going to have to tear up this ground. The flooring have been fully shot once I stated, oh my gosh, I’m going to have to tear down all these partitions to all of the cracks and stuff like that. I didn’t notice that the partitions have been plaster and never drywall. So all I needed to do was scrape and joint and no matter. It’s not drywall or it’s water. Rattling drafted tape, take all of it out. And the flooring have been simply extraordinarily effectively worn.I didn’t should take ’em up. All I’ve to do is take a drum stander to it. So it’s easy stuff like that, which type of saved me from the second that I bought this property. And I’ve been doing rehab on this day by day. I’ve spent in all probability $10 on simply stuff, even solely $10 as a result of a lot of the stuff I’ve already had, or I’m simply getting from my mentor, working beneath his wing for a very long time. I’m type of simply utilizing his instruments. I assumed I used to be going to have purchase all these sheets of sheet rock, go in there, take all it. However in actuality, it’s only a lot. Nothing’s laborious. It’s simply quite a lot of tedious work, like scraping the partitions after which taping after which jointing, after which portray over that after which drum sanding, making use of the polyurethane, stuff like that. It’s actually simply tedious work. Nothing’s laborious or actually that costly.
Tony:Ought to be taught loads Elijah is what it feels like, man.
Elijah:Yeah, it’s quite a lot of YouTube college,
Tony:A whole lot of YouTube college, which is sweet. I assume one final comply with up query. You stated the acquisition value was 180, and I do know you had the grant that assisted with the down fee. So Elijah, what was your precise out of pocket expense to buy the property?
Elijah:Like my money to shut or what my mortgage worth is correct now?
Tony:Your precise money to shut, how a lot did it’s a must to convey to the desk?
Elijah:So my money to shut was round, it was 19, round 19,000.
Ashley:And that was with closing prices? All the things.
Elijah:Yep. All the things,
Ashley:Yeah. Very good. For a traditional mortgage. And what was your rate of interest on this mortgage?
Elijah:It was, so I used to be speculated to have a decrease rate of interest as a result of I’m an worker of the financial institution, however as a result of I used to be capable of get that mortgage, they’re like, nah, you possibly can’t. That’s the humorous factor about underwriters
Ashley:Can’t double dip.
Elijah:Yeah. So it was 6.5.
Tony:That’s truly fairly good.
Elijah:Traditionally, that is what lots of people don’t see is traditionally rates of interest have been loads larger than some six, seven, even 8%. And even worrying about that small rate of interest, the appreciation of your own home appreciates by 5% yearly. So whilst you’re worrying about some 6% rate of interest there, property of your own home of the worth goes up by 5% every year. So it doesn’t actually, lots of people don’t actually get that half.
Ashley:Tony, I believe one takeaway for you right here is that Sean must get his subsequent job on the financial institution whereas he’s in highschool in order that he will get a reduction on rate of interest to purchase homes for you. There you
Tony:Go. So Elijah, I assume what would you say, since you’ve taken this deal down in a time when lots of people with perhaps extra life expertise, with perhaps extra cash, with perhaps extra sources have been sitting on the sidelines as a result of they really feel that 2024 isn’t the time to put money into actual property. I assume, what would you say to these of us you suppose that perhaps proper now will not be the very best time,
Elijah:Not the very best time to be sitting on the sidelines,
Tony:Not the very best time to put money into actual property?
Elijah:Actually, you simply query actually why? As a result of in my eyes, 2024 is type of the golden age to be investing in actual property. So there’s individuals who suppose that not investing proper now could be going to get you anyplace as a result of the rates of interest and all these things. Investing in actual property will not be about timing the market, it’s about time available in the market. So it doesn’t actually make sense to be sitting on the sidelines. And I type of thought that that was my ideology too, is that if I simply wait it out and watch for the curiosity to go decrease and stuff like that, issues’ are going to get loads higher. However how I simply saying it’s about time available in the market, that’s the way you take advantage of cash is thru cashflow and appreciation and outweighing all these different stuff that in fact goes to have an effect on the market that you simply don’t actually have a controllable variable over type of getting over that concern is what is absolutely going to find out to show the tables. The dialogue I had with my mentor LaShaun is it was like I took a 12 months of simply going by way of monetary schooling, the right way to truly handle the property, accounting, insurance coverage, stuff like that. An entire 12 months of simply educating myself earlier than and clearly saving the capital to really pull the set off to LaShawn. It was type of like, why? What are you ready for?And the tip all be all, it was simply concern. And to him he was like, what are you afraid of? And it’s simply all the opposite variables that everybody like, what if the home burns down? Or what if this goes on and I don’t have the funds for saved up? However on the finish of the day, that’s simply concern. So long as you’ve saved, so long as you’ve carried out what you wanted to do in your phrases of due diligence, then that ought to all be taken care of. On the finish of the day, if that ever does come up,
Tony:Elijah, you convey up concern, which I believe is a vital factor for us to in all probability shut out with. However concern is typically a very good factor, proper? As a result of in case you are working within your consolation zone, you’re usually not fearful. However when you’re working within your consolation zone, you’re additionally not rising, you’re additionally not getting higher. So if each of these statements are true, then the one method which you could develop as an individual, as an actual property investor, as an entrepreneur is to step outdoors of your consolation zone, which all the time induces a bit of little bit of concern. And I believe the query for the Ricks which are listening is what sort of particular person do you truly need to be? Do you need to be the one that continues to let their fears counsel the motion, the actions that they do or that they don’t take? Or do you need to let your targets and your visions be the factor that drives the next step? So I do know quite a lot of of us are sitting on the sideline, they’ve that concern, however guys, concern is an efficient factor as a result of it means you’re entering into one thing new. And for you, Elijah, once more, tremendous spectacular. You’re capable of break previous that and try this scary factor, and clearly it’s labored out fairly effectively for you.
Elijah:Sure. So as to add on to that actually fast, Tony, me being a boxer, there’s not likely something scarier than getting up into that ring and figuring out the man throughout from you is attempting to knock your head off. So how Mike Tyson’s coach Cusato stated, all people has concern, and when you don’t have concern, then both you’re mendacity or one thing’s improper and it is best to go to the hospital like a deer. Yeah, like a deer in the midst of the woods. As soon as he hears that twig of a snap, he’s gone. That concern retains him alive. Identical to the way it retains us people alive. It’s a pure intuition like what you need to be utilizing. And that’s how Mike Tyson actually turned who Mike Tyson was. He used that concern like a hearth and fireplace can both burn your own home down or you possibly can prepare dinner your meals. In order that’s type of how I take advantage of my concern.
Ashley:Elijah, thanks a lot for becoming a member of us at present. We’re going to hyperlink your data into the present notes. In the event you’re watching on YouTube, it’ll be within the description. Thanks a lot for taking the time, giving again, and sharing your journey and offering a lot data to the rookies which are listening at present.
Elijah:Sure, I’m actually glad that you simply guys have been capable of hearken to me at present. Hopefully I could be that beacon of sunshine to individuals round my age or individuals of all ages who’re type of simply misplaced in the dead of night and actually need that push of motivation. On the finish of the day, I’m not that lion who’s up high. I’m nonetheless that lion. I nonetheless have that starvation. I’m nonetheless climbing the hill. When you’re up high, you’re up high. So I’m nonetheless climbing that hill. You all the time acquired to be hungry. You all the time should try. You all the time acquired to raised your self.
Ashley:I believe anybody who’s over the age of 19 might be pondering proper now. I want I might’ve began once I was 19,
Elijah:And that’s what everyone seems to be saying to me, which is why I’m
Ashley:There. May be a bit of regret and remorse listening to this episode too. However Elijah, congratulations on making such good selections at such a younger age. Thanks once more for coming onto the episode. I’m Ashley, and he’s Tony. Thanks a lot for listening to this episode of Actual Property Ricky.
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