Brick by Brick - Wealth Building Conversations

Most real estate investors chase the deal. Will Harvey chased the lesson — and eventually followed it all the way out of operations and into running a fund. In this episode of Brick by Brick, Loren sits down with Will Harvey III, founder of Harvey Capital Funding, a Richmond, VA-based hard money lending operation. Will’s path is anything but straight: a college dropout, a recovering mortgage originator, a house flipper, a syndication LP and GP, a short-term rental operator who took a $70-80k loss on a functionally obsolete Northern Virginia property, and ultimately a fund manager who now says the operating life just isn’t wired into him. The candor in that admission — and what he built on the other side of it — is what makes this episode worth your time. In this episode, you’ll learn:•          How Will went from residential loan officer to founding a dedicated hard money fund — and why the 2022 STR deal was the turning point that clarified everything•          The LP/GP alignment question most limited partners never ask — and why proformas are largely baloney•          How Will underwrites borrowers beyond the asset: credit score philosophy, face-to-face meetings with every borrower, and the red flags that end a deal conversation•          How both Will and Loren are embedding AI into their lending workflows — from call transcription to title review to portfolio monitoring•          What “looking down, not up” actually means in practice — and why Will now stress-tests downside before he ever runs upside Will Harvey III is the founder of Harvey Capital Funding, a Virginia-focused private lending operation offering fix-and-flip, rental bridge, and refinance loans to real estate investors. He also manages a separate fund investing in seller-financed notes. He is based in Richmond, VA. Topics covered:•          Double college dropout to mortgage originator•          House flipping and building a personal RE portfolio•          LP investing in 100+ unit multifamily syndications•          Leading his own syndications and operating a wedding venue and boutique hotel•          The 2022 Northern Virginia STR loss — deal goggles, a functionally obsolete house, and $70–80k in combined losses•          Founding Harvey Capital Funding in 2023 and spinning out a dedicated hard money fund•          Borrower underwriting: credit score philosophy, face-to-face meetings, red flags•          AI in lending: call transcription, CRM integration, title review, portfolio monitoring•          The GP mindset: conservative assumptions, verified track record, “look down not up” If you got value from this show share it with your friends Connect with Will Harvey:Website: harveycapitalfunding.com   |   Email: [email protected]

Are you tired of the relentless grind, sacrificing precious family time for fleeting wealth? Joey Mure reveals the bold truth about escaping the 9-5 trap, building genuine passive income streams, and redefining what retirement really means. This episode is your wake-up call to take control of your financial destiny and live with purpose and freedom.In this episode:Why active income doesn't equal freedom and Joey's personal transformation storyThe real meaning of financial freedom and the importance of passive income exceeding expensesWhy traditional retirement is a myth and how to embrace ongoing service and purposeThe formula for financial freedom and actionable steps to get there fastHow to identify your investor DNA and choose the right investment strategiesThe pitfalls of relying on IRAs and tax deferral vehicles and what to focus on insteadHow AI will revolutionize investing, lending, and business, reshaping margins and opportunitiesPractical approaches beyond real estate, including online businesses, lending, and media assetsOvercoming misconceptions and making confident investment decisionsResources & Links:Well Without Wall Street PodcastPassive Income LabJoey Mure on LinkedInBook: The Richest Man in Babylon by George S. ClasonConnect with Joey Mure:LinkedInWebsiteInstagramRemember:Your financial freedom depends on the choices you make today. Stop trading time for dollars and start building assets that serve your purpose. The time to act is now. Your future self will thank you!

What if the real forces moving real estate had nothing to do with interest rates? In this episode, we sit down with Ari Rastegar — founder of Rastegar Capital, WSJ/USA Today bestselling author of The Gift of Failure, and one of the most contrarian voices in Texas real estate — for a conversation that cuts through the noise and gets to what actually drives markets: human behavior.Ari breaks down why old cyclical models no longer apply, how to read demographic and migration data as a lead indicator, and why the Sun Belt — particularly Texas — isn't a trend. It's a structural shift. From 3D-printed homes and zoning battles to the "J curve" of exponential change, this is a masterclass in thinking long while moving fast.What You'll Learn:Why human behavior — not interest rates — is the real engine of real estate marketsHow demographic shifts, remote work, and lifestyle changes are reshaping investment prioritiesThe Texas advantage: population growth, corporate relocations, and central geographyWhy traditional cyclical models are dead — and what the J curve means for your portfolioHow to use migration data as a lead indicator before headlines catch upMicro-market investing: why precise location and hyper-local data beats macro noiseHow 3D printing and construction innovation could solve the housing shortageActive vs. passive investing — and how to build wealth without the operational burdenWhy a down market may be the best time for disciplined investors to actTimestamps: 00:00 — Seismic shifts & why human behavior drives real estate 02:15 — COVID, rates, and geopolitics: stress and opportunity 05:28 — Demographic evolution: remote work and lifestyle shifts 07:50 — The Texas advantage: population growth and corporate relocations 10:45 — Why systematic growth is dead — enter the J curve 13:20 — Migration lead indicators: Austin, Dallas, Florida 16:00 — Micro-location investing: precise data over headlines 18:20 — Zoning, bureaucracy, and 3D printing shaping future supply 21:00 — Essential housing and building for affordability 23:45 — The myth of institutional dominance 26:00 — Policy and accelerating housing development 29:30 — Long-term thinking, local laws, and land banking 33:00 — Government policy, Fannie Mae, Freddie Mac, systemic rate shifts 36:00 — Why now is a perfect storm for disciplined investors 38:00 — Active vs. passive: investing smart without the hassle 41:00 — Education, partnerships, and time in the marketAbout Ari Rastegar Ari Rastegar is the founder and CEO of Rastegar Capital, a vertically integrated real estate investment firm based in Austin, Texas. Known as "The Oracle of Austin," he has developed over 4.9M sq ft across 13 states and 38 cities. Featured in Forbes, GQ, WSJ, and The Real Deal.Connect with Ari: 🌐 rastegarcapital.com 💼 linkedin.com/in/arirastegar 📸 Instagram: @rastegar 📖 The Gift of Failure — available on Amazon

The conversation covers the transition from real estate to tax liens, the risks and opportunities in tax liens, and the differences between tax liens and tax deeds. It also delves into the process of tax liens and tax deeds, including the auction platforms and the risks involved. The conversation covers the distinction between tax lien and tax deed, the transition from tax lien to tax deed, the tax deed process and associated risks, the capital-intensive nature of tax deeds, and an overview of tax sale resources and the fund. The discussion provides valuable insights into the tax lien and tax deed investment space, as well as the resources available for investors.TakeawaysTax Liens vs. Tax DeedsTransition from Real Estate to Tax LiensRisk and Opportunities in Tax Liens Tax Lien vs. Tax DeedTax Sale ResourcesChapters00:00 Introduction to Tax Liens and Tax Deeds27:13 Tax Lien vs. Tax Deed37:33 Tax Sale Resources and Fund Overview

SummaryIn this engaging episode of Brick by Brick, Loren Wernette hosts marketing expert John Dwyer, known for his innovative direct marketing strategies and his collaboration with Jerry Seinfeld. They discuss the evolution of marketing from traditional methods to modern digital strategies, emphasizing the importance of direct response marketing. John shares insights on creating impactful marketing campaigns, the significance of incentives, and the art of taking customers' eyes off the price. The conversation also touches on the power of creativity in marketing and the value of surrounding oneself with entrepreneurial spirits.Keywordsdirect marketing, John Dwyer, incentives, marketing strategies, Jerry Seinfeld, digital marketing, creativity, entrepreneurial spirit, customer engagement, price strategyTakeawaysDirect response marketing focuses on immediate sales rather than brand awareness.Incentives can significantly boost customer engagement and sales.Creativity is key in differentiating your marketing strategy.Surrounding yourself with entrepreneurial spirits can inspire innovation.Taking customers' eyes off the price can lead to better sales outcomes.Digital marketing allows for quick adjustments and real-time feedback.Understanding your target audience is crucial for effective marketing.Offering high perceived value incentives can outperform price discounts.The evolution of marketing tools has made campaigns more dynamic.Collaborations with celebrities can amplify marketing efforts.Title OptionsUnlocking the Power of Direct MarketingJohn Dwyer's Marketing MasterclassFrom Seinfeld to Sales: Marketing InsightsThe Art of Incentive-Based MarketingCreative Strategies for Modern MarketersDirect Response Marketing UnveiledEngage and Convert: Marketing TacticsPrice vs. Value: A Marketing DilemmaEntrepreneurial Insights with John DwyerMarketing Evolution: From Traditional to DigitalSound bites"Direct response is all about results." "Incentives take eyes off the price." "Creativity sets your brand apart." "Surround yourself with innovators." "Digital tools make marketing dynamic." "Know your audience, know your success." "High value beats price cuts." "Celebrity endorsements amplify reach." "Marketing is about engagement, not just sales." "Adapt and thrive in the digital age."Chapters00:00:00 Introduction to John Dwyer00:00:00 The Evolution of Marketing00:00:00 Direct Response Marketing Explained00:00:00 The Power of Incentives00:00:01 Creativity in Marketing00:00:01 Digital Marketing Strategies00:00:01 Entrepreneurial Insights

SummaryIn this episode of Brick by Brick, host Loren Wernette interviews Tim Street, a former Marine turned real estate entrepreneur. Tim shares his journey from the Marines to starting tech companies and eventually moving into real estate. He discusses the challenges and successes he faced along the way, including his transition to real estate investing and his current focus on helping others through Foolproof FSBO.KeywordsTim Street, real estate, entrepreneurship, Marines, Foolproof FSBO, tech startups, real estate investingTakeawaysTim Street's journey from the Marines to entrepreneurship.The importance of self-belief and discipline learned in the Marines.Challenges faced in tech startups and real estate.The concept of Foolproof FSBO and its mission.Tim's insights on the real estate market and DIY projects.The role of networking and education in personal growth.Tim's perspective on college education and entrepreneurship.The impact of authenticity and storytelling in business.Tim's advice on balancing work and personal life.The significance of giving back and helping others succeed.Title OptionsFrom Marine to Real Estate MogulTim Street's Entrepreneurial JourneyBuilding Success Brick by BrickFoolproof FSBO: A New ApproachLessons from the Marines to Real EstateTim Street on Entrepreneurship and GrowthNavigating Challenges in Real EstateThe Power of Self-Belief and DisciplineTim Street's Insights on Real Estate InvestingGiving Back: Tim Street's MissionSound bites"Self-belief is key to success.""Discipline learned in the Marines.""Challenges in tech startups.""Foolproof FSBO's mission.""Real estate market insights.""Networking is crucial.""Education vs. entrepreneurship.""Authenticity in business.""Balancing work and life.""Helping others succeed."Chapters00:00:00 Introduction and Tim's Background00:00:00 Journey from Marines to Entrepreneurship00:00:00 Challenges in Tech Startups00:00:00 Transition to Real Estate00:00:01 Foolproof FSBO and Its Mission00:00:01 Insights on Real Estate and DIY Projects00:00:01 Networking and Education00:00:02 Balancing Work and Personal Life00:00:02 Giving Back and Helping OthersGuest Links🔗 Instagram: https://www.instagram.com/foolprooffsbo 🔗 Facebook: https://www.facebook.com/foolprooffsbo 🔗 LinkedIn: https://www.linkedin.com/in/timothyjstreet/

Episode SummaryIn this episode of Brick by Brick Wealth Building Conversations, host Loren Wernette sits down with BETTER, a Triangle-based real estate firm focused on investment analysis and residential infill development.The conversation explores BETTER’s journey into real estate and their strategic evolution from traditional fix-and-flip and fix-to-rent models into new construction, infill development, and build-to-rent (BTR) projects. As lending standards tighten and market volatility increases, BETTER explains why infill development inside established neighborhoods has become a more resilient and scalable strategy in places like Durham and the greater Triangle.The episode dives deep into Durham’s changing urban landscape, including the impact of Expanding Housing Choices and SCAD (Simplifying Codes for Affordable Development). These policy shifts have reshaped zoning, density allowances, and development feasibility — creating both opportunities and new challenges for investors.Listeners will hear real-world examples of subdivision processes, ADUs, and small-scale development projects, along with candid discussion around risk management, underwriting discipline, and market projections. Whether you’re a new investor or an experienced operator, this episode provides a grounded look at how smart developers adapt as markets evolve.Key TakeawaysInfill development is becoming one of the most durable strategies in Triangle real estateThe shift from flips to new construction reflects changing lender and risk dynamicsDurham’s zoning and housing policy changes have unlocked new development opportunitiesUnderstanding the full development process is critical before pursuing infill or ADUsRisk management and realistic underwriting matter more than ever in today’s marketLong-term success comes from aligning strategy with local market demand and regulationGuest InformationLearn more about BETTER’s by-right development philosophy on their website:    https://www.betterpropertiesllc.com/        Connect with BETTER on LinkedIn for investor insights and market analysis    https://www.linkedin.com/company/better-properties-construction-realty     Follow BETTER on Instagram and Facebook for project updates and community events    https://www.facebook.com/BetterP.LLC     https://www.instagram.com/betterrealtyllcLinkedInFacebookInstagramTagsreal estate investing, Triangle real estate, Durham development, infill development, build to rent, new construction, ADUs, urban development, real estate risk management, Brick by Brick Podcast

In this episode of Brick by Brick, Loren Wernette sits down with Rebecca Irey, the founder and CEO of Blue Skye Financial, to talk about the new rules of money, retirement, and financial independence. Rebecca shares her personal journey—from growing up on a ranch to building a national financial planning firm—and how that shaped her belief that the American Dream isn’t broken… most people just never got the roadmap.Together, they dig into why traditional financial advice often fails younger generations, how entrepreneurs overlook their own retirement, and what practical, tax-efficient strategies actually create financial clarity.Financial education is the missing piece. Most people never learned the rules of money, which keeps them stuck.The American Dream still works—but you need non-traditional tools to get there today.Rebecca’s ranch-to-finance journey shows how money can create opportunity for anyone, regardless of where they start.Entrepreneurs are great at making money… but often horrible at planning for themselves.The traditional retirement system is broken for Gen Z and millennials, requiring new strategies.Leverage beats spending. Wealth is built by using money as a tool, not a lifestyle.Retirement isn’t an end. It’s about giving yourself the freedom to do the work you want to do.Long-term care planning matters—people are living longer, and ignoring this creates huge financial strain.Avoiding taxes legally is a civic responsibility, not a cheat code.Money is energy. Creating wealth helps you, your family, and society as a whole.00:00 — Welcome & Introduction03:12 — Rebecca’s upbringing on a ranch & her path into finance10:45 — Why financial education is failing Americans17:20 — The challenges entrepreneurs face planning for themselves25:08 — How retirement planning has changed for younger generations33:50 — Leveraging money vs spending it: what actually builds wealth40:15 — Taxes, long-term care, and planning for longevity48:30 — Rebecca’s message: a roadmap exists no matter where you're starting54:10 — Final thoughts and where to connect with Rebecca🔑 Key Takeaways🎧 Episode Chapters (Corrected & Structured)Website: https://blueskyefinancial.comMeet the Team: https://blueskyefinancial.com/meet-our-team/Instagram: @blueskye_financial

In this episode of Brick by Brick Wealth Building Conversations, Loren Wernette sits down with Garrett Maroon — founder of the 2:10 Collective, host of The Faithful Agent Podcast, and author of The Balanced Breakthrough. Garrett built a seven-figure real estate business entirely by referral, then intentionally restructured his life to protect his faith, marriage, and time with his kids.Today, he teaches entrepreneurs how to build businesses that run on relationships, healthy boundaries, and purposeful systems — not hustle, burnout, or chaos.Garrett shares the mindset shift that happened when his wife challenged him to build a company in under 40 hours a week, what most entrepreneurs get wrong about referrals, and how defining success around your values changes everything.This conversation is real, practical, and packed with wisdom for entrepreneurs who want to grow without losing their life in the process.How Garrett shifted from the grind to a “life-first” businessThe power and simplicity of referral-driven growthWhy boundaries create freedom (not restrictions)How to win at home and in businessIntegrating faith authentically into your workWhy hiring and delegating early is essentialThe mindset change that helped Garrett reclaim his timeHow The Balanced Breakthrough helps entrepreneurs redefine success00:00 – Intro to Garrett and 2:10 Collective03:10 – From higher ed to real estate07:42 – The 40-hour challenge that changed everything13:55 – Building a referral-only business20:18 – Setting boundaries and avoiding burnout27:03 – Faith, family, and redefining success34:22 – Systems that support a life-first business41:50 – Lessons from The Balanced Breakthrough48:15 – Final thoughtsGarrett Maroon — 2:10 CollectiveWebsite: https://www.210collective.comBio: https://www.210collective.com/bioInstagram: https://www.instagram.com/garrettmaroon/Podcast: The Faithful Agent PodcastBook: The Balanced BreakthroughKey TakeawaysChaptersGuest Contact

Episode: The Power of Open Banking in Today’s EconomyGuest: Peter Maher — CEO of Ovanti USA & Founder of FloteIn this episode, I sit down with Peter Maher to break down one of the most impactful shifts happening in today’s financial landscape: open banking—and how it’s completely reshaping the way lenders understand financial health.Peter leads Ovanti’s U.S. division and is the founder of Flote, the company’s U.S. rebrand that focuses on using real-time cashflow instead of outdated credit scores to evaluate financial wellbeing. The result? More accurate decisioning and far better access for consumers who've traditionally been boxed out by old credit systems.We dig into:Why credit scores no longer tell the full storyHow open banking gives lenders real-time insightThe evolution from Ovanti to Flote for U.S. expansionHow Flote plans to disrupt payday lending and lease-to-own modelsWhy financial innovation should protect—not exploit—consumersWhat the future of financial accessibility looks like in an open-banking worldKey TakeawaysOpen banking provides a clearer picture of financial health.Ovanti’s U.S. rollout is operating under the new brand: Flote.Flote uses cashflow-based underwriting rather than credit scores.Legacy credit systems are restrictive and often misleading.Open banking is gaining real traction in the U.S. economy.Flote’s mission revolves around transparency and consumer-first design.Sound Bites“Open banking is the future of finance.”“Credit scores don’t define financial health.”“Financial innovation shouldn’t come at the cost of the consumer.”“Real-time cashflow tells the real story.”“Flote is redefining accessibility in modern finance.”Chapters00:00 – Meet Peter Maher & the origins of Ovanti00:05 – What open banking really is00:10 – The problem with traditional credit scoring00:18 – The Flote approach: cashflow over credit00:28 – Financial accessibility and the future of open bankingConnect with PeterOvanti Global — https://www.ovanti.com/U.S. Leadership Bio — https://www.ovanti.com/ovanti-us-leadershipFlote Partnerships — https://getflote.com/LinkedIn — https://www.linkedin.com/in/ptmaher/Partnerships Email — [email protected]

In this episode of Brick by Brick Wealth Building Conversations, I sit down with Hugh Massie — Founder & Executive Chairman of DNA Behavior International and Chairman of the Behavioral Economics Institute. Hugh has spent more than a decade helping leaders, investors, and organizations make better, faster financial decisions by understanding the behavioral patterns that drive money.We get into how your hard-wired behavior shows up in your business, your investments, and your stress responses — and why “behavior makes money” isn’t a catchy phrase, it’s a real framework for reducing risk and improving performance.We cover:How behavioral patterns directly influence financial outcomesWhat he learned transitioning from CPA to a leader in behavioral economicsHow AI is reshaping personalized financial insightsWhy leaders make predictable mistakes under stressHow to align money decisions with natural behavioral strengthsThe mission behind Boys Without Fathers and what it’s taught him about identity, money, and leadershipWhether you're a lender, operator, or investor, this conversation will change how you think about risk, decision-making, and team dynamics.DNA Behaviorhttps://dnabehavior.comGoDNA.ai (app)https://www.godna.aiBehavioral Economics Institutehttps://www.behavioraleconomics.comBoys Without Fathers (nonprofit)https://www.boyswithoutfathers.orgLinkedIn — Hugh Massiehttps://www.linkedin.com/in/hughmassie/YouTube — DNA Behaviorhttps://www.youtube.com/@dnabehaviorPodcast — The Behavioral Economics Podcasthttps://open.spotify.com/show/4m023IsfGpY2ZnJSqEwOefGuest Links & Resources

Dave Seymour—once a broke firefighter—rebuilt his life through real estate, becoming the star of A&E’s Flipping Boston and the founder of Freedom Venture Investments.In this episode of Brick by Brick Wealth Building Conversations, Dave shares how he went from struggling to make ends meet to managing multimillion-dollar commercial and development deals. His mantra, “Educate, don’t speculate—then implement,” has guided his journey from crisis to credibility, and now he’s teaching others to do the same.In this episode:The turning point that pushed Dave from broke to boldLessons from the Fire Service: discipline, risk, and teamworkHow education turns speculation into strategyWhy Legacy Alliance and Freedom Venture focus on teaching action, not theoryAbout the Guest:Dave Seymour is the Founder and CEO of Freedom Venture Investments and creator of Legacy Alliance, where he helps professionals master the path from active income to passive wealth. Featured on A&E, CBS, ABC, CNBC, and FOX News, Dave is also the author of Inflation Nation, a practical guide to beating inflation through real estate and private equity.Guest Links:📘 Inflation Nation — InflationNationBook.com🎬 Inflation Nation Documentary — InflationNationMovie.com🛒 Amazon — Paperback/Hardcover🎓 Free Legacy Wealth Masterclass — LegacyWealthMasterclass.com🌐 Main Hub — YourLegacyAlliance.com💼 Freedom Venture — freedomventure.com🧭 Ultimate Alternative Investment Guide — uaiguide.comConnect with Dave:LinkedIn | Instagram | X/Twitter | Facebook

In this episode of Brick by Brick Wealth Building Conversations, Loren sits down with Caleb Christopher, founder of Creative TC, a firm that specializes in managing nontraditional real estate transactions — from creative finance structures and seller-financing to title and escrow services.Caleb opens up about the moment in 2024 when his business nearly collapsed, and the mindset shifts, leadership lessons, and operational pivots that helped him rebuild stronger than ever. Known for his ability to ask the right questions, Caleb shares how curiosity, transparency, and calculated risk-taking guide his work in one of real estate’s most misunderstood niches.The story behind Creative TC and how it serves investors, agents, and attorneys in creative finance dealsHow a near-failure year became the foundation for new growthWhy asking great questions is Caleb’s “low-key superpower”Lessons on leadership, ethics, and protecting your business in high-liability spacesWhat’s next for Creative TC and the future of creative finance in real estate📍 Guest LinksWebsite: creativetc.ioTitle & Escrow Division: creativetitle.ioInstagram: @fcalebchristopherLinkedIn: Creative TC company page🎙 Host: Loren WernetteBrick by Brick Wealth Building Conversations explores real estate, private lending, and business growth strategies — one conversation at a time.

Episode: Building Wealth Without Borders: Global Investing & Tax FreedomPodcast: Brick by Brick Wealth Building ConversationsHost: Loren WernetteGuest: Mikkel Thorup, Founder & CEO of Expat Money®Summary:If you could design a life without borders—where would you live, and how would you invest?This week, Loren sits down with Mikkel Thorup, Founder & CEO of Expat Money®, to discuss the strategies wealthy investors are using to legally reduce taxes, gain second residencies and citizenships, and diversify into international real assets like real estate, agriculture, and timber.From Panama to Portugal, Mikkel explains how to build a global wealth plan that increases freedom, reduces risk, and creates long-term security. He shares lessons from living in over seven countries, visiting 100+, and helping hundreds of clients protect and grow their assets overseas.You’ll Learn:The legal ways to dramatically lower your tax burdenWhy global diversification is key to financial freedomHow second residencies and citizenships unlock opportunityThe best regions for tangible, income-producing investmentsPractical steps to start your own offshore strategyListen Now on Spotify, Apple Podcasts, and YouTube.Guest Links:🌐 ExpatMoney.com🎧 Expat Money Show🎫 Expat Money Summit🔗 LinkedIn | YouTube | FacebookContact: [email protected]

Are you struggling to find consistent real estate deals? Wondering how to scale your investing business without spending a fortune on direct-to-seller marketing?In this episode of Brick by Brick Wealth Building Conversations, I talk with Matthew Carrigan, founder of REI Cornerstone, about one of the most effective strategies in today’s market: agent outreach.Matthew shares his “earned and learned” story—how he discovered agent outreach while working under a mentor, then replicated the model to build a six-figure business. With 3–5 years of experience and annual revenue between $100K–$500K, he now teaches investors how to use agents as a scalable, profitable source of deals.What you’ll learn in this episode:What agent outreach is and why it works for investorsHow to create repeatable systems for outreach and deal flowStep-by-step tips Matthew uses with Facebook groups and GoHighLevel to build trust with agentsHow investors can scale using relationships instead of cold marketing tacticsWhat’s next for REI Cornerstone and the future of agent outreach in real estate👉 If you’re asking yourself “How do I get more real estate deals in today’s market?”—this episode will give you the answer.📌 Connect with Matthew Carrigan:Facebook: Matthew CarriganFacebook Group: REI CornerstoneInstagram: @matthew__carrigan

In this episode of Brick by Brick Wealth Building Conversations, I sit down with Sam Primm, co-founder of FasterFreedom and one of the most recognized educators in real estate today. Sam has built a multi-million-dollar portfolio without relying on his own capital, using creative financing strategies like the BRRRR method and other leverage-based approaches.We cover how Sam:Turned debt into a tool for scaling wealth.Built systems and teams that let him grow faster without burning out.Transformed a viral moment with Dave Ramsey into a nationwide conversation about financial strategy.Uses content creation to attract deal flow and private lenders.Helps thousands of aspiring investors take action through FasterFreedom, his podcast, and his book Own Your Freedom.This conversation is packed with practical insights on real estate, leadership, and why failure can be a powerful teacher on the path to financial freedom.Guest Contact & Resources🌐 Website: fasterfreedom.com🎥 YouTube: @FasterFreedom📲 Instagram: @samfasterfreedom🎧 Podcast: The FasterFreedom Show📖 Book: Own Your Freedom

In this episode of Brick by Brick Wealth Building Conversations, Loren sits down with Neil Twa, CEO & Co-Founder of Voltage Holdings and host of the High Voltage Business Builders Podcast.Neil walked away from a successful career at IBM in 2007 to pursue e-commerce full-time. Over the past 17 years, he has helped build brands that have generated $100M+ in collective Amazon FBA and omni-channel sales. His proprietary 5:5 product-launch playbook and “pay-as-you-profit” consulting model have guided founders from startup to 7- and 8-figure exits.We dive into:How Neil left corporate America to take a risk on Amazon—and why it paid off.The 4 steps to building a real, profitable, and sustainable e-commerce business.The most common mistakes new Amazon sellers make—and how to avoid them.Why planning for exit from day one is key to building a valuable brand.A recent case study where a brand hit $3,000/day in sales within 20 days.Whether you’re new to e-commerce or looking to scale your online business, Neil delivers actionable insights that demystify Amazon FBA and omni-channel selling.📌 Resources Mentioned:Neil’s book: Almost Automated Income with FBAPodcast: High Voltage Business BuildersBook a strategy call: voltagedm.com📞 Connect with Neil Twa:Email: [email protected]: linkedin.com/in/neiltwaInstagram: @neiltwaTikTok: @fbabusinessbuildersYouTube: Neil Twa Voltage

In this episode of Brick by Brick Wealth Building Conversations, I sit down with KC Chohan, Founder of Together CFO, to uncover how elite wealth strategies—like private foundations, complex trusts, and donor-advised funds—aren’t just for billionaires.KC shares his journey from traditional CFO roles into creating a Beverly Hills–based firm that helps 7-figure entrepreneurs and family offices legally save millions each year through tax minimization, asset protection, and legacy planning.We dive into:Why upgrading your financial structure matters more than just making more incomeHow the wealthy avoid capital gains taxes while maximizing charitable impactThe surprising, untold stories behind KC’s pivot into advanced tax planningPractical steps entrepreneurs can take today to set up structures the ultra-rich useHow aligning financial strategies with personal values creates a true legacyWhether you’re a high-income entrepreneur, investor, or simply curious how the top 1% structures wealth, this episode delivers eye-opening insights you won’t want to miss.📌 Guest Contact Information:Website: togethercfo.comLinkedIn: linkedin.com/in/kcchohanInstagram: @togethercfo | @kc.chohanYouTube: @TogetherCFOTwitter/X: @KCchohan_

In this episode of Brick by Brick Wealth Building Conversations, Loren Wernette sits down with Kelli Garrett, a powerhouse entrepreneur and founding partner of Rehab Wallet, Consistent Capital, and Aspire Finance.Kelli’s story begins on a farm, where she learned grit and work ethic early. She went on to become a four-time All-American basketball player at the College of Charleston, with her jersey #14 retired as the program’s all-time leading scorer. After college, she built a corporate career at UPS, rising through the ranks to an executive position before leaving to pursue entrepreneurship.Today, Kelli has built a portfolio of more than 3,500 units, raised over $150M in capital, and funded $400M+ in loans through her companies. But her true passion isn’t just numbers — it’s about building teams, creating big visions, and empowering others through meaningful work and business growth.We dive into:How Kelli’s farm upbringing and athletics shaped her mindset.The lessons she carried from UPS into entrepreneurship.What it really takes to raise $150M in under five years.The strategies she uses to balance multiple companies.Why building teams and relationships is at the heart of her success.If you’re looking for inspiration on perseverance, leadership, and scaling businesses with purpose, this episode is for you.Guest Contact & LinksFacebook: Rehab WalletInstagram: @kelli.garrett2LinkedIn: Kelli GarrettWebsite: rehabwallet.com

Guest: Mike Otranto – Author, Real Estate Investor, Entrepreneur, Founder of Wake County Home BuyersEpisode: Brick by Brick Wealth Building ConversationsHost: Loren WernetteIn this episode, Mike Otranto reveals how he’s blended the precision of digital marketing with the profitability of real estate investing. From his book Houseflow Formula: A High-Tech Path to Financial Freedom Through Real Estate, Mike breaks down how SEO, inbound marketing, and KPI tracking have helped him create a scalable, system-driven acquisition strategy.You’ll learn:Why SEO is your digital “railroad” for finding motivated sellers.How to track the right KPIs to measure marketing ROI and acquisition success.Real examples of deals sourced entirely from online inbound leads.The difference between hustling for every deal and building a repeatable lead flow.How to modernize your real estate investing with tech-driven strategies.Plus—meet Ruby the Beagle, Mike’s loyal “assistant” who keeps things lively at the office.Connect with Mike Otranto📘 Book: Houseflow Formula: A High-Tech Path to Financial Freedom Through Real Estate🌐 Website: mikeotranto.com📷 Instagram: @mike_otranto📘 Facebook: Mike Otranto▶️ YouTube: Mike Otranto Channel🐦 Twitter/X: @WC_HomeBuyers

Episode: Brick by Brick Wealth-Building ConversationsGuest: Steve Csobaji, CISP – Senior Sales Executive / Business Development Manager, Inspira FinancialHost: Loren WernetteWhy self-directed IRAs (SDIRAs) matter now — and how they differ from traditional retirement accountsReal-world assets in tax-advantaged accounts: real estate, oil & gas, venture capital, and moreThe Quest Trust → Inspira Financial acquisition and what it means for SDIRA holdersCommon SDIRA misconceptions (and how to dodge them)Practical steps to roll over funds without triggering taxesSteve’s go-to resources for empowering new investors to retire successfullyLinkedIn: https://www.linkedin.com/in/steve-csobajiCompany: https://inspirafinancial.comYouTube: “Investing Beyond What You’ve Always Known with SDIRAs”NT Commercial Association New Broker BootcampInspira white-paper on 1099-R rollover strategiesSubscribe to Brick by Brick on Apple, Spotify, or your favorite playerFollow Loren: https://www.linkedin.com/in/loren-wernetteQuestions or feedback? Email [email protected]: This podcast is for educational purposes only and should not be construed as investment, tax, or legal advice. Always consult your professional advisors before making financial decisions.

In this episode of Brick by Brick: Wealth-Building Conversations, we dig deep into the world of land development with builder, developer, and systems expert Blake Anderson, founder of Envision Investor Solutions.With over 20 years in construction and 17 as a licensed general contractor, Blake shares the real side of land development—from rookie mistakes and costly missteps to the proven processes that lead to profitable projects.We cover:✅ The do’s and don’ts of land development⚠️ Horror stories that cost others big—and how to avoid the same traps📍 The first steps every new land developer should take🔧 Why systems and process are the key to long-term successIf you're curious about how to get started in land development, or if you're looking to tighten your systems as a current investor or builder, this episode gives you the roadmap to build smart.🎁 Don’t miss Blake’s Free Land Evaluation Checklist—a must-have for anyone considering a land deal.Connect with Blake Anderson:🧰 Free Checklist: https://envisioninvestorsolution.myclickfunnels.com/free-checklist📺 YouTube: Envision Investor Solutions📸 Instagram: @envision.investor

In this powerful episode of Brick by Brick: Wealth Building Conversations, host Loren Wernette sits down with Michael "Mike" Russell—a real estate broker turned nonprofit founder—to explore how one man's financial collapse sparked a mission to rescue others from foreclosure.Mike shares his journey from the top of the real estate game to losing it all—bankruptcy, divorce, foreclosure—and how he clawed his way back with purpose. Today, he’s the founder of Hope 4 Hardship, a nonprofit offering free foreclosure counseling and advocacy to homeowners in distress. No fees. No fluff. Just results.We talk about:The real emotional toll of foreclosure—and how Mike’s lived itWhy mindset shifts matter more than moneyHis 80–100% success rate with engaged clientsHow banks are more flexible than most people realizeWhat homeowners must do the moment they miss a mortgage paymentThis episode is a must-listen for anyone feeling stuck, overwhelmed, or unsure where to turn. Mike proves that with the right guidance, you can turn things around—one decision at a time.Michael "Mike" RussellFounder, Hope4Hardship.orgPresident, Century 21 Signature Properties📧 Email: [email protected]📞 Phone: (508) 501-5800🔗 LinkedIn: linkedin.com/in/mike-russell-3395baa🌐 Website: https://hope4hardship.orgPR Contact: Steven Dubin📧 Email: [email protected]📇 Guest Contact Info

In this episode of Brick by Brick: Wealth Building Conversations, we sit down with entrepreneur, content creator, and private lender Bryce Matheson. Bryce takes us behind the scenes of his journey from software exits to building two powerful fintech and lending businesses—Holbrook Capital and Lendr.We explore how he leveraged YouTube and Instagram to drive investor leads, what it really took to hit millionaire status by 28, and why the key to it all was ruthless focus. Bryce breaks down the systems he uses, the shifts he’s made in his lending business (like switching to monthly payments in 2025), and what he’s seeing in the world of fund compliance and lending automation.Whether you're a real estate investor, a private lender, or a tech-curious entrepreneur, this episode delivers high-impact insights on building income, raising capital, and creating long-term wealth.📌 Topics Covered:The real ROI of FOCUSBuilding and exiting software companiesUsing content to drive deal flow and raise capitalBehind the scenes of the Lendr fintech platformHitting 7 figures through house-hacking, OPM, and leveraged growth🔗 Connect with Bryce Matheson:Instagram: @brycemathesonYouTube: Bryce MathesonLinkedIn: Bryce MathesonThreads: @brycematheson📧 Email: [email protected]

Failure isn’t the end—it’s the raw material of success. In this solo episode, Loren breaks down the 5 biggest myths people believe about failure, and how these beliefs are quietly sabotaging your ability to grow, pivot, and ultimately win. From stories of baseball legends and business experiments to real estate deals gone sideways, Loren shares personal insights and hard-won lessons to reshape how you think about setbacks.In this episode, you’ll learn:Why failing doesn’t make you a failureHow successful people actually fail more often than you thinkThe lie that you’ll fail less as you get richerWhy failure isn’t a reason to quit—it’s proof you’re tryingHow to reframe failure as a teacher, not a label📍 Whether you're just getting started or leveling up, this episode will help you embrace failure as fuel.Contact LorenWebsite: www.reihighyield.com/homeEmail: [email protected]: @investwtihloren

In this high-energy episode of Brick by Brick: Wealth Building Conversations, we sit down with Jennifer "Jen" Josey — the powerhouse behind Jolific Homes and the Real Estate Investor Growth Network (REIGN). From rapid "5 Day Flips" to growing a rental empire, Jen brings her signature blend of humor, hustle, and heart to the mic.Jen shares how she transitioned from a career in teaching and health insurance to full-time real estate investing alongside her husband, Vance. We dive into the mindset shifts that helped her grow multiple businesses, the systems behind her lightning-fast flips, and why she believes real estate is a team sport.Whether you’re an aspiring investor, seasoned flipper, or just need a shot of motivation, this episode is packed with insights, laughs, and lessons from one of the industry’s most dynamic voices.Topics We Cover:How Jen and Vance started Jolific HomesThe secret sauce behind her 5 Day FlipsRunning short- and long-term rental portfoliosBuilding REIGN into a thriving investor communityEmbracing discomfort as a catalyst for growthGuest Contact Info:🌐 Website: www.therealjenjosey.com📷 Instagram: @therealjenjosey🔗 LinkedIn: Jen Josey📺 YouTube: The Real Jen Josey

In this episode of Brick by Brick: Wealth Building Conversations, we sit down with Alexander J. Brown, Managing Partner at Beacon Venture Partners, to pull back the curtain on what really drives smart venture capital investing.With over a decade of experience in startups, strategy, and venture, Alex breaks down the mythologies that dominate the VC world — from celebrity founders to billion-dollar unicorn dreams — and shares how seasoned investors can cut through the noise to find truly scalable opportunities.We also dive into:How Alex blends agile methodology (Scrum) into venture operationsWhy hands-on leadership matters in early-stage investingA real-life story of stepping in to lead a struggling portfolio companyTactical advice for founders seeking capital the right wayWhether you're raising your first round or deploying your tenth, this episode is a masterclass in strategic investing and entrepreneurial leadership.📍 Connect with Alex:📧 [email protected]🔗 LinkedIn🔗 Scrum Alliance Profile🔗 Beacon Venture Partners

In this episode of Brick by Brick: Wealth-Building Conversations, host Loren Wernette welcomes Adam Williams, Founder and CEO of Elevest Capital, for an eye-opening conversation on strategic real estate investing in the multifamily sector.Adam brings over 20 years of experience, having weathered market downturns and emerging stronger with a focus on value-driven leadership and crisis-era adaptability. He walks us through:Why multifamily is experiencing what he calls “the perfect storm”—and why that presents massive opportunity for investorsHow to vet a fund manager and protect your capitalThe importance of follow-up and consistency in long-term investing successWhy real estate isn’t a “get-rich-quick” play—it’s a “get-wealthy-for-sure” blueprintHis personal story of the 2007 crash and how it completely changed his investment philosophy🔗 Watch Adam's Perfect Storm breakdown on YouTube: https://youtu.be/pO7J2NF2_8oWhether you're a passive investor, aspiring syndicator, or seasoned entrepreneur, this episode is packed with practical wisdom on building sustainable wealth in turbulent times.Guest Contact Info:🌐 Website: https://elevestcapital.com📸 Instagram: @awinvests🔗 LinkedIn: Adam Williams🐦 X (Twitter): @aw_invests📱 TikTok: @awinvests▶️ YouTube: Adam Williams Invests

Episode Summary:In this episode of Brick by Brick, Loren sits down with Pam Fisher — a powerhouse in the world of manufactured homes and creative real estate deals. With a background as an ER nurse turned full-time investor and founder of both FPR-Fisher Properties & Rentals and VH-Vision Homes, Pam shares how she found her niche in “wobbly boxes” and why now is always the best time to start.Tune in to hear her unique perspective on persistence, negotiation, creative financing, and what it means to help others realize their own potential through real estate.What You’ll Learn:How Pam transitioned from healthcare to real estateThe overlooked opportunity in manufactured homes and parksTips for finding your niche in real estate investingThe value of persistence and creative deal-makingHow VH-Vision Homes is helping investors and families alikeConnect with Pam Fisher:📍 Facebook: Pam Fisher Personal | VH-Vision Homes

📄 Show Notes:In this powerhouse episode of Brick by Brick Wealth-Building Conversations, we sit down with John Hetherington—AI strategist, automation expert, and founder of We Deliver Your Vision—to unpack the exact systems business owners need to stay ahead and stay sane in the AI era.We dive into:The AI Implementation Ladder—and where most businesses are getting stuckWhy the risk of not using AI far outweighs the risk of using it wrongHow to stay secure in a world of automated decision-making and data exposureReal talk on burnout: if you or your team are overwhelmed, here's your first step to reclaim your timeThe critical mindset shift from process chaos to profit-driving systemsWith 25+ years of experience and 100s of companies served, John breaks down complex tech into practical, actionable steps to help you grow revenue, reclaim bandwidth, and future-proof your business.📍 Connect with John Hetherington:LinkedIn: linkedin.com/in/johnhetherington1Instagram: @thejohnhetheringtonUpcoming Book: Why Technology Will Break Your Business

What happens when you walk away from a 17-year, six-figure corporate career with no safety net—and no plan B? In this episode of Brick by Brick: Wealth-Building Conversations, I sit down with Jason Seward, host of Burning The Ships and co-founder of 608B Capital Funding, to talk about what it really takes to go all in.Jason shares how he went from playing it safe in insurance sales to building a $10M+ real estate lending business in under two years. We dive into mindset shifts, the power of mentorship, and the real meaning behind the name "608B" (hint: it's got a backstory you'll want to borrow). Whether you're stuck in a W2 or scaling your empire, Jason’s story proves that it’s never too late to pivot—and win.📌 Topics we cover:Leaving corporate life with nothing but convictionRaising capital in today’s marketBuilding a brand with authenticity and gritHow 608B Capital is scaling fast in the lending spaceThe real cost—and reward—of betting on yourselfFollow Jason: linktr.ee/jasonseward

🎧 Episode Description (SEO-Optimized):If you're a real estate business owner looking to scale smarter, boost wholesale profits, and buy back your time, this episode is a must-listen. We sit down with Theresa Sage, founder of Get Sarah, a cutting-edge AI agent system built for real estate professionals, to talk about how AI-powered lead generation is transforming the game.In this episode of Brick by Brick, you'll learn:How to use an AI agent to grow your real estate business and close more dealsThe backstory behind Get Sarah, the tool that’s helping agents increase profits and reduce burnoutTheresa’s journey from childhood hustler to 7-figure entrepreneurMindset shifts every business owner needs to scale sustainablyWhy personal development is the real engine behind consistent successWhether you're flipping, wholesaling, or scaling a brokerage, Theresa drops real talk on using automation, strategy, and mindset to build your empire — brick by brick.🔗 Resources Mentioned:👉 Get Sarah – The AI agent designed to help real estate professionals close more leads and reclaim their time👉 Follow Theresa on IG: @theresasageaz

In this episode of Brick by Brick, Loren sits down with Anton Zherelyev, the CEO of REI Lead Pros and a master of direct-to-owner lead generation. Based in Medellín, Colombia, Anton shares how he scaled his business to 7 figures by helping real estate investors crack the cold-calling code and build predictable lead pipelines.Anton opens up about the $100K deal that changed everything—thanks to one smart decision (hint: it came from his wife). He drops gems on how to take massive action, why sitting on the sidelines is the biggest risk in today’s market, and how automation and AI are rewriting the playbook for real estate pros.Whether you're a wholesaler, flipper, or just looking to grow your team with A+ talent through his new venture, Smart Hire Pros, this episode is packed with real-world takeaways.📲 Follow Anton:LinkedIn | Instagram🔗 Learn more: REI Lead Pros | Smart Hire Pros

This week, we’re joined by Dan Rivers, founder of Rivers Capital Group (RCG) and partner at SynergyStays, to talk about what it really takes to build wealth through real estate — and why your mindset is your most powerful asset.Dan opens up about his incredible journey, including surviving two heart surgeries and now living with a mechanical heart valve (yes, you can actually hear him tick). Through it all, he’s kept one thing at the center: his Why.In this episode, we dive into:The strategy behind SynergyStays and how they help clients outperform STR market averagesWhy mindset matters more than the marketThe importance of adaptability when life hits hardBuilding wealth with intention — in both business and lifeWhether you're an investor, entrepreneur, or someone navigating the ups and downs of life, Dan’s story will inspire you to lead with purpose, stay resilient, and keep moving forward.🔗 Connect with Dan:Instagram & Facebook: @DanRivers_RCGSynergy Stays: https://www.synergystayslocal.com/

🚀 Thinking about hiring your first employee? Not sure when the right time is or how to manage company culture as you grow? In this episode, I sit down with Scott Hanis, Founder of Fortitude HR Solutions, to break down the biggest HR challenges business owners face and the mindset shifts every entrepreneur must make to scale successfully.✅ Topics We Cover:📌 When is the right time to hire your first employee? (Signs you’re ready to grow)🏢 How to build and manage a strong company culture as you scale🧠 The essential mindset shifts entrepreneurs need to lead a team successfully❌ The fears business owners have around firing employees – and how to handle it with confidence💡 Whether you’re a startup founder, business owner, or entrepreneur, this episode will help you navigate the tricky transition from solopreneur to leader.🔔 Don’t forget to like, comment, and subscribe for more expert business growth advice!📢 Follow Scott Hanis & Fortitude HR Solutions:🔹 Facebook: @FortitudeHRSolutions🔹 LinkedIn: Fortitude HR Solutions🎧 Listen now and take your business to the next level!🔥 #BusinessGrowth #Entrepreneurship #HiringEmployees #CompanyCulture #Leadership #ScottHanis #FortitudeHRSolutions #MindsetShift #ScalingYourBusiness #StartupSuccess #HRStrategy #Podcast

Welcome to The 4 C’s of Lending, the podcast that breaks down the four fundamental pillars of lending—Credit, Collateral, Capacity, and Character—and how they shape real estate financing and private lending decisions.Whether you’re a borrower looking to secure funding, an investor evaluating deals, or a lender refining your underwriting criteria, this show gives you the insider perspective on how lenders assess risk, structure loans, and make profitable lending decisions.

Over the last five years, I’ve learned some hard-hitting truths about business—lessons that have shaped the way I approach challenges, growth, and success. In this episode, I’m breaking down the five biggest lessons that can shift your mindset and set you up for long-term wins:✅ Change your mindset from "I can't" to "How can I?"✅ It’s going to take longer and be harder than you think—embrace it.✅ The excitement fades, but the real money is in the boring—that’s where most people quit.✅ Failure isn’t the enemy—inaction is.✅ Network like crazy, but do it to help others, not yourself.Whether you’re just starting out or years into your entrepreneurial journey, these lessons will help you stay focused, push through the tough times, and keep building. Let’s dive in!

Artificial Intelligence is making waves across industries, and real estate and private lending are no exception. In this episode of Brick by Brick, Loren Wernette dives into how AI is transforming deal sourcing, underwriting, market analysis, and investor relations.From predictive analytics to automation, Loren explores the opportunities and challenges that AI presents for investors, lenders, and developers. Should you be worried? Or is this a chance to gain an edge in the market?Tune in for a no-nonsense discussion on where AI fits into the future of real estate and how you can stay ahead of the curve.🔹 How AI is impacting real estate investing and lending🔹 The role of automation in underwriting and risk assessment🔹 What investors need to know about AI-driven market analysisSubscribe now and stay ahead in the ever-evolving world of real estate!#RealEstate #AIinRealEstate #PrivateLending #TechTrends #WealthBuilding #LorenWernette

Are you considering investing in a fund but unsure what all the different structures mean? In this episode, we break down the most common fund structures—506(b), 506(c), Regulation Crowdfunding (Reg CF), Series LLCs, and the key differences between Debt Funds and Equity Funds.You’ll learn:✅ The pros and cons of each fund structure✅ Who can invest and how these funds raise capital✅ The regulatory requirements and restrictions investors should know✅ Key watchouts before committing your capitalWhether you're a first-time investor or looking to deepen your understanding of fund structures, this episode gives you the high-level insights you need to make informed decisions. Tune in and take control of your investment knowledge!

No matter what type or size of investing you do. Ensuring you do a good job of underwriting will help you make more money and loss less money. I go through different kinds of real estate underwriting tips and tricks and provide insight that I have gathered in my years of underwriting experience as an buy and hold investor flipper wholesaler and lender

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Consistency impacts every part of our lives for good and for bad. In this episode I will discuss how you can harness consistent habits to achieve things you never thought possible and talk about some tips and tricks to make getting consistent about the right things easier.