From Commission Checks to Cash Flow - Ep. 89

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Yo, yo, welcome back to another episode of the High Value Agent Podcast,
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where we inspire people to create a better life through real estate.
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And I'm excited about today because, number one, this is like the first time
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in a long time having a guest, somebody to actually join me on the pod.
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So I'm excited and grateful for that opportunity. But to have my brother,
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Scott Foltz, who is one of my business partners.
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He is a real estate agent here at Silver Lining and a real estate investor.
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To have him join me today to talk about investing and creating wealth through
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real estate, I'm pumped. I'm excited.
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Scott, welcome back because obviously this is not your first time being on here, but welcome back.
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How are you doing, brother? I'm doing great, man. The sun is shining.
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It's not crazy hot out here in Indiana today. It's just nice.
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The rain has stopped for a few days.
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Yeah. Yeah. Man, the rain's been crazy. Like all the flooding and like stuff
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that you never thought you would see in Indiana.
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Yeah. Like it's crazy. I mean, some towns literally like people have completely moved out.
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We're forced to move out. So yeah, it's been a crazy couple of weeks of the rain.
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But, yeah, thankful that everything is calmed down now and people that are listening
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now can actually focus in on the future, right, and how they can build,
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like, really true wealth and real estate from somebody who's actually done it like yourself.
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And so, Scott, I mean, you've helped, what, over 200 families for sure buy and sell.
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Somewhere along the way, I know there was a thought in your head where you're like, you know what?
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I'm not just going to be a real estate agent where I'm helping people buy or sell.
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I'm going to be the one actually selling my real estate and buying and building
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real estate to create wealth.
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So tell me, to kind of get things started, when did you start having those thoughts
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to where, hey, this is more than just a transaction. I'm going to actually build something.
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Well, I mean, there were a couple transactions where I was the agent and I vividly
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remember one where it's an investor that we use quite often.
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And I had a listing and it was, it was a fire house that got was damaged very heavily by fire.
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And she just wanted to sell because she was getting her insurance money and
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she was going to take that and buy another house.
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So it was basically, you're buying the lot in a great little neighborhood.
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I helped our investor partner buy the house, buy the lot, very cheap.
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And then the next day, literally signed it over to someone and made like $30,000 on it.
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And I was like, holy cow, I could have done that. So it just blew my mind,
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like without doing anything that you can make that kind of money.
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And I had a conversation with him a little bit and he kind of recognized like.
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You know, I have what I believe is a solid reputation and I don't want to be
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known as the agent that comes by and takes advantage of people.
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You know, there's some sales to be done like that where you are still helping
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everyone and you can profit too. And so that's when I kind of realized,
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man, that's not that difficult.
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And then I had a soon to be college age daughter and I thought,
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well, this could be a good opportunity as well.
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So it just, things started to kind of stack up like that, where I kind of see
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the writing on the wall, like, man, there's, there's more money to be made than
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just on my commission check.
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So good so good curious why do you think so many agents,
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like they sell real estate and they and they probably do a very good job you
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know they have they're building a great career and they're doing it for 10 20
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years like why do you think a lot of agents that have good careers,
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actually never transition into,
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being an owner of real estate and doing that investing like Why do you think that is?
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I have a feeling a lot of real estate agents don't view what they do as their business.
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I think most of us work under another brokerage or on a team,
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and we view that as the person writing our checks.
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And I just don't think we dream big. And I think a lot of it is,
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I mean, from day one, I've always been told, you know, you're the average of
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the five people you're around.
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And I think that's probably as big a part as just not looking at this as your
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business. I think, yeah, we just kind of look at ourselves as I have a job and
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I get paid when I do it. But we're self-employed.
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This is my business. It doesn't have to be confined to just one stream of income.
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Yeah, I thought it popped in my head, like the difference between,
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like transactional thinking, like next closing thinking versus like wealth building
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thinking, which is like not my next closing. What is my next asset?
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Yes, I made some money. What do I do without money? Yeah.
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Can make me more money. It's it's an exponential maybe kind of think instead of just a addition.
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Yeah. And I really do agree with who you're in proximity to and the way they
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think can influence you to think similar.
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So, but that could be good and that can also be bad, right? Yeah.
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And I think that is important that people understand that. I believe that's
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been a topic of our team for probably the past few weeks is,
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you know, audit the people that you spend a lot of time with outside of the
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team, outside of our, you know, this.
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Office, like, who are you spending your time with? And are any of those people
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or, you know, different areas of their life?
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Is there anything that you see that you admire or that you would trade what
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you have for what they got?
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And nine times out of 10, I think we went around the room and most people were
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like, yeah, I don't think I would trade my life with anyone that I'm around.
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Like, you know, so I think it really like flipped the switch for a lot of people
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when they're like, man, I need to do an audit on spending time. Yeah.
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You see somebody doing something big. Yeah. You know, it's not that they have some special gifts.
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Usually it's, they were around someone who modeled that and they wanted to learn it.
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So I'm big on, well, I don't like to read books a whole lot,
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but if I see you doing something that I want to know how to do,
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I'm absolutely going to ask you. So, Hey, tell me a little bit about that.
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And yeah. And then sometimes it just takes off that's good that's good so.
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And there's a financial aspect where, like, I believe an agent,
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if you're struggling right now,
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the last thing on your mind is buying an asset, you know, buying a piece of
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real estate, whether it's a buy and hold or a fix and flip, right?
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But what has to change in how an agent kind of sees their their paycheck right
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like there has to be something that clicks for an agent,
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that and it could be that they have a certain amount of money of the in their
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bank accounts or i don't know but,
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what do you see or what clicked for you in regards to,
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that shift to actually start buying real estate? Was it a financial thing for you?
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Yeah, it was financial. It was, I'm getting older.
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I want to kind of establish a legacy. I want to take care better of the people
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around me and I can take care of them today pretty easily.
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I can take care of them this week pretty easily.
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I want to be able to take care of them when I'm not even around.
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And if I'm only using my commission as income, that's not going to last.
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That's not going to cover it.
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So I need to come up with other income streams that can go on without me.
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So I think that was maybe kind of the big eye opener is, yeah,
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I just want to do more. And when I'm not here, I want something to continue going.
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That's good. That's good. So you mentioned to the team a couple years ago that,
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obviously you had a daughter that was graduating high school soon,
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that was going to be going to Purdue or university.
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And you told the entire team, in front of the whole team, you declared that
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you will be buying an investment property for her to live in.
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It would be your investment property, but you will provide safe housing for
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her and her friends. And then...
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I mean, I guess, I mean, overnight success, right?
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Like you just made it happen. This is like that, which I'm being sarcastic when I say that.
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Yeah, I talked and talked and talked. Yeah. Kind of made that come to fruition.
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Yeah, it came to fruition through the work. But I want you to share like what
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that experience has been like. And by the way, you've also done other projects
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too, right? You had a fix and flip deal. And it wasn't a small project either. there was a big one.
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And so, but what kind of share your experience of going through that process?
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It was kind of the perfect storm of, I wanted an investment opportunity.
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She needed a place to live. And, and I, fortunately I started planning in advance
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because that is something that I try to tell people like, okay, school just started.
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You can't do it this year, but Hey, let's get started for next year.
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But yeah, I knew that she would be needing a place.
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And when she was taking me around to these apartments to look at them,
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and I mean, the old cinder blocks, you know, like what I lived in when I was
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in college, nothing fancy.
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And I was looking at the prices on those and, you know, two people living in,
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probably 200 square foot place, it felt like for 1300 bucks a piece, 1400 bucks a piece.
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So yeah, there's $2,800 in rent. And then you had to pay for parking.
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And I was like, oh my God, I took her deliberately.
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While we're walking through this terrible smelling apartment,
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I scheduled a showing on a brand new build.
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And I said, hey, for a hundred more dollars a month, you girls could have this.
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And that kind of opened her eyes to, you know, we didn't end up buying a new
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house, but it was kind of like, it was, I don't know, just didn't make sense
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for me to rent, to pay that much money and rent and then have nothing afterwards. And so.
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I just decided like, okay, this is what I have to do.
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And I was laying the groundwork with people around me, but the other people
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that I knew were buying and selling places that I put the word out,
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hey, in a year, in a year and a half, I'm going to be looking for this.
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If you see something, let me know. And I stayed on him about it.
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And somebody said, hey, we were at a closing. I was at a closing with this person.
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And strangely, it was at the closing. I was just explained earlier about the fire sale.
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So he bought that house and he told me, hey, I just bought a townhouse over near Purdue.
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You want to check it out? And he said, yes, I do. And so then it took several
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months to talk about it and we got it all in place.
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Yeah. Yeah. No, I love it, man. And so the property that you have on campus,
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I mean, it cash flows pretty well, right?
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And so the goal when you're getting into investing is you talk about cash flow and appreciation.
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And it's like you made a very intelligent buy.
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And I personally lean towards cash flow first, like especially early on,
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like especially in our market.
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I believe that no matter what property I buy, it's going to appreciate.
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So I put a little more emphasis on if I'm going to make a purchase, will it cash flow? Yeah.
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Did, was that your approach as well when you were looking at those properties?
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Uh, I'm probably not. It wasn't the best business thought process for me.
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It was, I want a place that will appreciate for my daughter.
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And if I don't make $5 a month, I'm okay because she'll still be living rent free.
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Basically, if I my whole thing was if I can get her roommates paying my mortgage
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and that limits the amount of money that my daughter has to pay and they're
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kind of by default, I have to pay.
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Then great. It's worked out where they're paying my mortgage,
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they're paying the utilities.
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I'm making a couple hundred, a few hundred bucks a month. She's living rent-free.
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There is cashflow. Absolutely. We added a third bedroom to it with an egress
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window in the basement. I know that boosted the value quite a bit.
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It's cashflowing and it's definitely appreciated immediately before they moved
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in. It was appreciating. So for sure. Yeah. Appreciation.
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You, you got the best of both worlds.
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And so it worked out perfectly. And that's why I was less concerned with getting
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rich off of it month to month, because I saw this is going to be a win and it,
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and it's turned into a bigger win.
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There's been a couple of weeks where, you know, a couple of her roommates move
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out and a couple of new ones are moving in, but it's, it's, it's,
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it's just her and then someone wants to rent it out for a week at 1500 bucks for the week,
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like that's my mortgage for that four days so yeah it's been it's been a a win-win-win
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for sure yeah that's good and,
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if uh if you're watching or listening to this i want you to understand that
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you if you're not currently investing and you're starting from zero because
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scott was starting from zero a couple years ago, right?
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Just know this, your first deal does not have to be like a home run.
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It does not have to be the dream deal.
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Like we talk about this all the time within our team.
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Boring, boring, boring. Look for something boring.
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A duplex, a small single family will suffice, townhouse, you want to make the
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investment, find an investment in a stable, like working class area.
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And my preference is something that can cash flow. And it doesn't have to be
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$1,000 a month. $100 a month is fine, right? But just something that will cash flow.
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So then, even conservatively, so then if I ever have a vacancy or a repair,
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like, there's something there. I can use that money to do that.
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I think a lot of people try to chase the exciting deal on their first one.
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And then they end up like not hit like they want this home run but they end
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up striking out and then they never get back into investing,
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for sure you mentioned the duplex the if i i don't have to think real hard but
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the people around me that are doing the best skimped,
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on their first or second or first and second third purchases they bought a duplex,
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and lived below their means while they let the other tenant pay their mortgage
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and then just build off of that.
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Yeah, you don't have to make thousands of dollars a month on your first one.
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Like you mentioned, 100 bucks.
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After a little bit of time, you've got some equity. Now you can leverage that.
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So there's just so much to it that you can do. Yeah.
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Yeah, it's, there's so many options just to get one, get your first place, whatever it takes.
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And it with there's, we work with some great local lenders and I learned a lot
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even for my own loan that I had never used that kind of loan on another one
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of my transactions as an agent, but as a buyer, I learned about a DSCR loan.
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So there's just so many different options. You don't have to have tens of thousands
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of dollars to do your first thing so so good that i,
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that part i guarantee you that you don't have to have all this money to get
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it into investing like you don't now,
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you're you're extremely blessed if you have people that are experienced,
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that will allow you to partner with them on deals so that you can start getting
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your experience and your risk is a little lower if you have that you are extremely
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blessed but Scott mentioned you don't have to have all this money,
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to get into investing like now I mean there are some things I recommend in a
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perfect world that you do have in place like,
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have some reserves right have and.
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Not enough money to where you can just close on the property and then now all
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your reserves are gone like have some left over because, again, you could have a bay,
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you could have repairs, anything could happen, and you want to make sure you
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have money available for that.
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Understand the numbers. What is the mortgage payment going to be?
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Your taxes, your property taxes are,
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will probably be higher than what you're used to on that property.
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It's way higher than on my personal house, yes. Right, right.
00:17:48.114 --> 00:17:51.136
For sure. So be aware of that, you know.
00:17:51.531 --> 00:17:55.295
And with that being said, does it still cash flow, okay?
00:17:55.934 --> 00:18:00.975
And don't think you're going to time the market perfectly.
00:18:01.353 --> 00:18:06.034
No. Because that shit will never happen. I'm just here to tell you it's not going to happen.
00:18:06.034 --> 00:18:11.274
So a couple things there, like if you're brand new and you hear a Scott story
00:18:11.274 --> 00:18:15.434
and you're like, oh yeah, man, and you're fired up, still make sure that you
00:18:15.434 --> 00:18:19.737
have some things dialed in because he did, you know, before making that decision.
00:18:20.143 --> 00:18:22.059
You have to know your comfort zone for sure.
00:18:22.484 --> 00:18:25.154
Yeah. Right. Your risk tolerance.
00:18:26.074 --> 00:18:31.814
And if you have a very low risk tolerance, go find somebody who's doing it already
00:18:31.814 --> 00:18:36.414
that will be willing to with whatever you can provide outside of the money,
00:18:36.414 --> 00:18:38.949
like you can partner with that person on one of the deals.
00:18:39.443 --> 00:18:41.904
Yeah. This one, I'm going to get a small cut.
00:18:43.214 --> 00:18:48.656
Well, your risk is very low. Yes. Like, so just take that as a chance to learn.
00:18:49.033 --> 00:18:52.444
For sure. There's, I learned there could be opportunities where I just give
00:18:52.444 --> 00:18:56.643
someone $5,000 and they turn it into 7,000 overnight for me.
00:18:57.038 --> 00:19:02.141
I'm cool with that. Cause I, you know, if, if it hit the fan, then I'm okay.
00:19:02.934 --> 00:19:06.964
I was fortunate with the market the last several years, we bought at the right
00:19:06.964 --> 00:19:10.684
time and I had a ton of equity in my house that I was able to leverage some of that.
00:19:10.684 --> 00:19:17.940
So yeah, you have to know your pain threshold and, and don't terribly, terrible decisions.
00:19:18.201 --> 00:19:22.594
Um, but again, we're, you and I are surrounded by some smart people that are
00:19:22.594 --> 00:19:27.292
out there doing it. So I didn't have to imagine too much.
00:19:28.812 --> 00:19:30.454
That's good. What would you.
00:19:32.592 --> 00:19:37.904
What would mistakes that you notice agents make,
00:19:38.841 --> 00:19:42.648
And it doesn't, I don't know, just maybe there's some people that,
00:19:42.648 --> 00:19:46.876
you know, it doesn't just have to be agents, but like investing mistakes,
00:19:47.616 --> 00:19:51.726
limiting beliefs. Are there any, anything that, anything that comes to mind?
00:19:52.863 --> 00:19:57.898
I think the whole timing thing is, is a big issue with so many people,
00:19:57.898 --> 00:20:03.471
whether it's agents or buyers and sellers. And just, it's such a common mistake.
00:20:05.068 --> 00:20:09.533
This is probably not a decision you want to make overnight. the best decisions
00:20:09.760 --> 00:20:16.801
aren't that way but you also can't sit on it for years and years and years or nothing will happen so,
00:20:17.289 --> 00:20:22.632
there's just kind of a you have to prepare yourself and then be ready yes and i think,
00:20:23.304 --> 00:20:29.447
just you have to take advantage of the situation and i learned long ago that
00:20:29.568 --> 00:20:35.754
takes money to make money and if you the people that make the most money typically already and,
00:20:36.728 --> 00:20:42.184
And so you're able to leverage that a lot better and just have stockpile something.
00:20:42.492 --> 00:20:47.528
You got to get something that when, and again, it's a comfortable amount that
00:20:47.528 --> 00:20:53.478
if someone comes to you with a proposition or an opportunity, yes, I have the money.
00:20:53.478 --> 00:20:56.858
I don't even have to really do a whole lot of, oh, how am I going to get this?
00:20:56.858 --> 00:21:02.478
Or it's there and it's ready to go. So just, yeah, just be ready because timing
00:21:02.478 --> 00:21:04.035
it is not always going to work.
00:21:05.213 --> 00:21:12.153
Yeah, and to the point of being ready financially, like being in a position
00:21:12.153 --> 00:21:13.822
to take advantage of an opportunity,
00:21:14.443 --> 00:21:22.913
I would just beg that people understand if you are around people that are in
00:21:22.913 --> 00:21:27.649
the position to do big investment opportunities, okay?
00:21:27.978 --> 00:21:34.176
Like, for example, on our team, we're in process of learning and drafting and
00:21:34.403 --> 00:21:37.166
formulating plans to actually,
00:21:37.717 --> 00:21:44.240
start developing subdivisions and to buy commercial spaces to.
00:21:44.977 --> 00:21:49.063
You know, like we're going to get into apartment buildings.
00:21:49.063 --> 00:21:55.946
We're going like we're formulating a plan and a process that legally,
00:21:56.544 --> 00:22:01.893
that will allow myself and Scott to be business partners on other things outside
00:22:01.893 --> 00:22:05.571
of just, you know, being partners at Silver Line Real Estate Group.
00:22:05.937 --> 00:22:13.873
And so if you are blessed to be in a similar situation, you got to make sure
00:22:13.873 --> 00:22:19.783
you're working your ass off to be ready when that call comes. Yeah.
00:22:20.243 --> 00:22:23.993
And I realized one of the things I realized it's not just me in order to make
00:22:23.993 --> 00:22:27.823
a lot of things happen. It's not just me. It's my wife. It's my family.
00:22:27.823 --> 00:22:29.142
It's my business partners.
00:22:29.494 --> 00:22:32.403
And if you came to me with this, you've been saying for a year,
00:22:32.403 --> 00:22:35.996
hey, I really want to do this. And then you have the opportunity and I'm still not ready.
00:22:37.714 --> 00:22:41.421
Could ruin it for you. So the best things, yeah, talk about it,
00:22:41.421 --> 00:22:44.677
be vocal, be ready. Don't wait, but be ready.
00:22:45.129 --> 00:22:48.258
Yes. Yeah. That's very good. Very good, man.
00:22:49.245 --> 00:22:55.861
Well, I do think now that we're, we've been discussing investing that we can
00:22:55.861 --> 00:23:02.051
go deeper into like cashflow appreciation strategies on,
00:23:03.621 --> 00:23:09.333
how do you actually identify if this is a good purchase or not.
00:23:10.431 --> 00:23:14.431
You know, the tactical approaches, running the numbers.
00:23:14.907 --> 00:23:21.971
Heck, I mean, we can get into like just overall evaluating a deal, you know.
00:23:22.434 --> 00:23:25.595
And so we're going to stay there for another pod because I think that's another
00:23:25.595 --> 00:23:28.425
20 to 30 of talk right there.
00:23:28.425 --> 00:23:32.585
But what I want to do, Scott, before we wrap, is there anything else?
00:23:32.585 --> 00:23:37.195
Because, again, you're speaking from an experience that you're having right
00:23:37.195 --> 00:23:41.749
now that at one point you probably didn't even think was possible.
00:23:42.457 --> 00:23:46.990
And then now you're sitting here like, hey, I want to share the message and help inspire others.
00:23:47.333 --> 00:23:51.295
Is there anything else that's on your heart that you want to share with the
00:23:51.295 --> 00:23:58.555
audience that would at least fill them up enough until we get on the next episode?
00:23:58.555 --> 00:23:59.619
Is there anything you want to share?
00:24:00.188 --> 00:24:06.655
I mean, we always talk about emotional intelligence and separating business
00:24:06.655 --> 00:24:08.305
from personal kind of feelings.
00:24:08.745 --> 00:24:13.125
I wouldn't necessarily say making a business decision based on personal things
00:24:13.125 --> 00:24:17.185
like what I did with my daughter and her housing is always a great pair.
00:24:17.585 --> 00:24:22.606
But sometimes if that's the motivation and the drive and like that's I'm that's
00:24:22.711 --> 00:24:27.345
I'm doing that within the next two years, I'm doing that. If that's what it takes, great.
00:24:27.665 --> 00:24:31.935
I was able to make it kind of a win-win. And so that's great.
00:24:31.935 --> 00:24:35.645
I wouldn't necessarily say base business decisions on emotions,
00:24:35.645 --> 00:24:40.275
but I mean, you have to be wise about it and you have to have a good pull and
00:24:40.275 --> 00:24:41.455
you have to feel good about it.
00:24:41.455 --> 00:24:45.385
If you're not a hundred percent, it's probably not going to work out great.
00:24:45.385 --> 00:24:51.195
So I think if you've got that one thing in your life that you know it would
00:24:51.195 --> 00:24:56.059
be a good business decision but it would take care of a lot of other personal things,
00:24:56.759 --> 00:25:00.537
i mean go for it yeah i love that that's good.
00:25:01.263 --> 00:25:06.540
Scott, if people connect with you, whether it is, you know, learning more about
00:25:06.540 --> 00:25:11.770
what we talked about today or maybe working with you in regards to buying or
00:25:11.770 --> 00:25:16.150
selling real estate or maybe, hey, Scott, like I like what you guys are doing over there.
00:25:16.150 --> 00:25:21.400
You know, I want to learn more about Silver Lining or EXP or all that stuff.
00:25:21.400 --> 00:25:22.845
Like how can people reach out to you?
00:25:23.455 --> 00:25:29.643
Perfect. Yeah, my number is 765-245-8472.
00:25:30.601 --> 00:25:37.880
My email address is scott, S-C-O-T-T at S-L-R-E-G.com, as in Silver Lining Real Estate Group.
00:25:38.269 --> 00:25:41.591
So those two methods are great. Facebook is always great.
00:25:42.107 --> 00:25:46.170
Just by my name, I'm pretty easy to find on there too. So yeah,
00:25:46.790 --> 00:25:48.090
I just love to talk about this stuff.
00:25:48.090 --> 00:25:51.840
Anytime an agent calls me and just asks questions like, man,
00:25:51.840 --> 00:25:57.230
you better be ready to listen because I'm going to talk because I'm all in on this.
00:25:57.230 --> 00:26:01.340
And I love what it's done for me and my family and now some of friends around
00:26:01.340 --> 00:26:05.053
me. So yes, don't ever hesitate on any questions.
00:26:05.396 --> 00:26:09.897
Yeah. When you don't ask a question, a lot of times you don't take that step.
00:26:11.580 --> 00:26:17.188
And the cool thing is like, this is mainly focused around real estate investing
00:26:17.594 --> 00:26:25.141
this episode, but Scott is bringing in income from multiple different like investment vehicles.
00:26:25.750 --> 00:26:30.020
Vehicles, which we're not going to unpack today. But I know Scott sent me a
00:26:30.020 --> 00:26:35.410
photo not too long ago of one of his investment vehicles and was like,
00:26:35.750 --> 00:26:38.817
oh, yeah, this is awesome. It's kicking off.
00:26:40.290 --> 00:26:44.070
It all just feeds itself. It's amazing how that works. And that's the thing,
00:26:44.070 --> 00:26:45.916
right? I think people...
00:26:46.775 --> 00:26:51.652
People think that, and they could be financially struggling,
00:26:52.070 --> 00:26:55.878
they think that they got to get seven investment vehicles today.
00:26:56.601 --> 00:27:03.226
Because there is a quote out there that said the average millionaire or billionaire
00:27:03.226 --> 00:27:06.462
has seven different investment vehicles.
00:27:06.932 --> 00:27:13.346
What people don't realize is that those multi-millionaires started with one
00:27:13.346 --> 00:27:18.407
investment vehicle and they maxed that out. And then from that money,
00:27:18.709 --> 00:27:21.322
they then did other investment vehicles. Yes.
00:27:21.716 --> 00:27:23.847
It gets easier from that point and it's less risky.
00:27:24.413 --> 00:27:28.750
Bingo. Bingo. But that's not, that context is not in the quote.
00:27:29.359 --> 00:27:33.394
Yeah. All in. Everyone wants to push all their chips in right now on the first hand.
00:27:33.856 --> 00:27:38.264
Yep So here's my commitment To the audience And Scott let me know If you're on board.
00:27:39.185 --> 00:27:46.198
I say we do another episode here soon, sharing different investment vehicles
00:27:46.198 --> 00:27:50.222
that you as a real estate agent can easily access.
00:27:50.943 --> 00:27:55.303
And over a one, three, five year time frame,
00:27:55.982 --> 00:28:02.895
you could go from checking that only being your only investment or income stream,
00:28:03.394 --> 00:28:07.158
to having five, six, seven, eight within five years.
00:28:07.158 --> 00:28:10.935
And kind of if you follow a process, because we have a proven process,
00:28:11.248 --> 00:28:15.805
if you follow it, you can have all seven or eight within three years.
00:28:16.165 --> 00:28:19.625
Would you be open to hopping back on if we didn't break that down? For sure.
00:28:20.281 --> 00:28:24.049
I think that would be good. So, cool. Well, you know what to do, y'all.
00:28:24.609 --> 00:28:29.137
Like, comment, subscribe. Leave us a review. If it's a one-star, great.
00:28:29.711 --> 00:28:32.018
That lets us know how we're doing. If it's a five-star, great.
00:28:32.018 --> 00:28:33.264
That lets us know how we're doing.
00:28:33.676 --> 00:28:37.415
So, we love you guys. As always, we're committed to helping,
00:28:37.937 --> 00:28:41.748
you know, bring, be the lighthouse for the community. As of right now,
00:28:41.748 --> 00:28:46.183
there are a lot of agents who are not winning, but there are some agents who are.
00:28:46.834 --> 00:28:51.988
And it's our job, the winners, to give back and contribute as much as possible
00:28:51.988 --> 00:28:55.199
because we understand of the law of reciprocity.
00:28:55.495 --> 00:28:59.852
The more we give, the more we support others, the more that we can be blessed with.
00:29:00.218 --> 00:29:03.278
And we want to continue to serve the community at the highest level.
00:29:03.278 --> 00:29:08.459
So Scott, thank you for hopping on here and y'all be cool. We'll see you guys on the next one. Peace.