EPISODE · Jul 21, 2026 · 17 MIN
He Lost the $5M Deal. One Phone Call Won It Back
from The Zero to 100 Real Estate Podcast · host Gabriel Hamel, Mitchell England, and Travis Dillard
A firefighter with a 500 credit score bought a $25,000 house on hard money. A decade later, a seller offered to finance 90% of a $5 million building. He lost the deal, then won it back with one phone call. In this episode:– The three questions from the firehouse bunk that started everything – 500 credit score, $15K saved, and the $25K house that cash-flowed a week's paycheck – The say-yes years: how one meetup and one follow-up built 100 rentals – Why putting commercial real estate on a pedestal was his biggest mistake – The full $5M deal: losing it, the phone call, the lawyer's office at 1pm – The $6.8M refinance, and the seller who came back with $2.5M to invest with him – The 10-years-of-cash-flow rule for knowing when to sellThe one thing he'd change: he'd go commercial sooner.Making less than $120K a year in cash flow real estate? Come build with us inside the Zero to 100 Elite community. https://www.zeroto100tribe.com/joineliteOur guest: Ian Horowitz of Equity Warehouse, host of the Real Estate Reserve podcast
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He Lost the $5M Deal. One Phone Call Won It Back
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