The Real Estate Ride with Jay and Annie Adkins

In this episode, we break down exactly how we generate real estate deals organically on Facebook—no paid ads, no complicated funnels, just consistency and strategy. We walk you through how we use local community groups, buy/sell pages, wholesale groups, and even simple marketplace scrolling to find deals hiding in plain sight.We also share real stories, including a deal that turned into over $150,000 from one Facebook post, and how relationships built through comments, bandit signs, and private messages have turned into six-figure partnerships. If you’re serious about finding off-market deals without spending money on marketing, this episode shows you how to do it step by step.Episode Timeline:[0:00] – Why we prepare every flip to be FHA-ready (and why that matters for resale)[1:09] – Today’s focus: generating deals organically on Facebook[2:28] – Joining local neighborhood groups (even small ones)[3:19] – Wholesale groups: what to look for and what to avoid[5:01] – Time blocking: don’t get sucked into Facebook all day[7:02] – Consistency is everything in finding deals[9:35] – City groups, buy/sell groups, and marketplace strategies[10:47] – Reading between the lines: yard sales, moving sales, and hidden signals[11:47] – Posting your own “We Buy Houses” content with call capture numbers[13:16] – Why photos (bandit signs) increase engagement[14:15] – Reading and respecting group rules to avoid getting banned[16:54] – Calling other investors’ bandit signs to build relationships[18:37] – Partnership lessons (including a $100K relationship from one call)[32:22] – The $40K hoarder house deal found on Facebook[34:57] – Turning one property into multiple lease options and long-term profit[38:32] – Negotiating hoarder cleanouts (real cost breakdown)[41:11] – What makes a house FHA-eligible (and why it matters)[47:16] – Posting rehab progress updates to build credibility and attract leads[49:41] – Protecting your rehabs (SimpliSafe, permits, and neighbor relationships)[58:15] – Listening to seller pain points and solving the real problem5 Key Takeaways:Small local Facebook groups can produce big deals—don’t ignore them.Consistency in checking, posting, and messaging is what creates momentum.Read between the lines—yard sales, moving posts, and comments reveal motivated sellers.Relationships built from one message or phone call can turn into six-figure opportunities.Document your projects publicly—visibility builds credibility and inbound leads.  If this episode gave you a new way to think about finding deals without paying for ads, make sure to follow, rate, and review The Real Estate Ride. And share it with someone who says, “There are no deals out there.”

In this episode, Jay and I break down everything you need to know about preparing purchasing contracts—whether you’re buying retail with an agent, going direct to seller, or working with a wholesaler. We’ve purchased properties in multiple states, owned a mortgage company, and reviewed hundreds of contracts, so we’re walking you through the real do’s and don’ts from experience.We cover what actually makes a contract legally binding, how to structure earnest money, when to use inspection and financing clauses strategically, and why calling a deal “cash” when it’s hard money can blow up your closing. If you want your offer to stand out and protect your downside, this episode is a must-listen.Episode Timeline:[0:00] – Why inspections matter and when to use them[1:49] – What today’s episode covers: retail, wholesale, and investor contracts[2:16] – Our 20+ years of contract experience across states[3:18] – Board-approved contracts vs. one-page contracts[5:22] – Why we use a simple one-page contract when buying direct[6:16] – The 4 essential elements of any purchase contract[7:19] – Earnest money: what it is and how much to use[9:11] – How earnest money can separate your offer from the pack[10:04] – Financing clauses and real-life examples of deals falling apart[11:14] – What is truly considered a “cash” deal (and what is NOT)[13:03] – A real story where mislabeling cash killed the deal[13:35] – Inspection clauses: when to include them and when to skip them[15:25] – Using inspections to renegotiate price[16:59] – The septic negotiation case study[17:43] – Buying from wholesalers: assignment agreements explained[19:09] – Non-refundable earnest money and wholesaler risks[20:04] – Setting realistic closing timelines (and why padding helps)[21:38] – Where earnest money should go (hint: not to the seller)5 Key Takeaways:A purchase contract can be simple—but it must include the essentials.Earnest money strengthens your offer, but structure it wisely.Hard money is NOT cash—labeling it wrong can kill your deal.Inspections aren’t just for protection—they’re negotiation leverage.Always build in extra time for closing to avoid extensions and penalties.If this episode saved you from making a costly contract mistake, please rate, review, and follow The Real Estate Ride. And share it with an investor friend before they accidentally call hard money “cash.”

In this episode, Jay and I break down the exact checklist we use to decide whether a house is worth flipping. We’re not just talking about what’s inside the four walls—we’re looking at neighborhood dynamics, timelines, rehab complications, and resale realities.We share stories from our own deals (wins and mistakes) and walk you through what to budget for, what red flags to look for, and how to analyze whether your flip will actually be profitable—or if you’re better off walking away.Episode Timeline:[0:00] – The flip-or-not framework we use on every property preview[0:47] – Why what’s next door might kill your flip (true story)[1:31] – Trashy neighbors, rentals, and the risks they bring [2:13] – How crime and sex offender registries factor into our decisions[3:30] – Pit bulls, fencing, and unexpected rehab budget line items[4:17] – Neighborhood makeup: why 90% rentals might be a red flag[5:02] – Timeline matters: how long will this rehab actually take?[5:57] – Utility delays and what they’ll cost you in holding time[7:10] – Why every big rehab needs a 15% cushion for unknowns[8:02] – Scheduling trades: how delays compound fast[9:10] – Are you managing the rehab yourself or hiring it out?[10:18] – Can you add value through layout changes or additions? [11:04] – Turning formal spaces into master suites[12:33] – Comps, finishes, and how to check for resale strength[13:14] – What to look for in sold properties and what it tells you[14:20] – How to use sold data to gauge pricing and market speed[14:51] – Final recap and action steps for your next deal5 Key Takeaways:The neighborhood matters just as much as the house itself.Always build in time, money, and patience for the unexpected.Strategic layout changes can boost resale value dramatically.Strong comps and buyer demand should guide your budget and offer.Flipping is a math equation—check the numbers before chasing the potential.If this episode helped sharpen your flip analysis skills, follow, rate, and review The Real Estate Ride. And don’t forget to share it with a fellow investor before they make an expensive mistake.

In this episode, we close out the Kickstarter vision series by helping you craft a personal and business vision that actually moves the needle. Jay and I walk through what it means to write a vision from your future self, how to reverse-engineer your next steps, and the power of building your calendar around the life you want—not the hustle you’re stuck in.We also dig into why most people stay stuck in confusion, how to set boundaries that align with your goals, and how our own vision work gave us clarity, peace, and purpose. Whether you’re building your first rental or scaling your portfolio, this episode is about getting crystal clear on where you’re going—and who you need to be to get there.Episode Timeline:[0:00] – Why this is the most powerful part of the Kickstarter series[0:49] – The vision exercise that changed our business forever[1:41] – Write from your future self—what do you want your life to look like?[2:39] – How to use vision to realign your calendar and commitments[3:25] – Our shift from reactive living to intentional planning[4:10] – What we removed from our life to make room for growth[5:23] – How your calendar reveals your true priorities[6:11] – Vision is the foundation for your goals, boundaries, and next steps[7:12] – Why hustle isn’t the goal—freedom is[8:09] – You don’t need more hours, you need better alignment[9:25] – Creating daily habits that reflect the life you’re building[10:31] – The mindset shift from scarcity to purpose[11:42] – How to check in with your vision regularly[13:04] – Giving yourself permission to evolve and adjust[14:00] – Final encouragement: clarity unlocks consistency5 Key Takeaways:Write your vision from the future—you need to see it to build it.Your calendar and your commitments must reflect your values.Let go of what’s not aligned to make space for what is.Freedom is the goal—not hustle, noise, or overcommitment.Clarity leads to consistency, which leads to real results.If this episode helped you zoom out and get grounded, please rate, review, and follow The Real Estate Ride. Then share it with someone who’s ready to build more than just a business—they’re ready to build a life.

In this episode, we walk you through all the creative ways to fund both the purchase and rehab of your real estate deals—even if you’re starting with zero of your own money. From hard money and private lending to 401(k) strategies, HELOCs, and joint ventures, we break down what we’ve used, what works best, and what to avoid.You’ll learn how we scaled beyond traditional banks, the terms we negotiate, and why building a flexible lender network is the secret to doing more deals with less out of pocket. If you’re looking to flip or BRRRR without cash on hand, this episode will give you the practical tools and lender strategies to move forward.Episode Timeline:[0:00] – Why we rarely use traditional banks anymore[1:02] – What hard money is and how it can let you scale faster[2:18] – How to use cash without it being your own[3:27] – Using self-directed 401(k)s—yours or someone else’s[4:42] – Vetting and using IRA custodians like Quest and Kingdom Trust[6:31] – Borrowing from whole life insurance cash value[8:27] – Structuring private loans: interest, timing, and flexibility[9:04] – HELOCs (home equity lines of credit) and when to use them[10:41] – Why we don’t recommend 100% leverage[11:34] – Credit unions vs. banks for HELOCs[13:08] – Using joint ventures creatively and responsibly[14:42] – Private money lending through networking and partnerships[15:14] – Getting rehab draw money upfront vs. reimbursement[16:16] – Building long-term relationships with private lenders[17:31] – Pitch templates and credibility tools for new investors[17:54] – How to vet a hard money lender before working with them[19:38] – Current terms: down payments, interest rates, draw timelines[20:27] – Getting a 1-year line of credit through a money broker[21:15] – How bad lenders can kill your deal credibility[22:01] – Using traditional banks as a last resort and what to expect[23:16] – Community banks, credit scores, and typical underwriting timelines[24:17] – Market shifts, rate updates, and checking terms quarterly[24:48] – Join our free Facebook group to continue the conversation5 Key Takeaways:There are at least 10 ways to fund a rehab—banks are just one.Self-directed IRAs and life insurance policies are powerful, underused tools.HELOCs and credit unions can give you speed and flexibility.Private lenders value communication and documentation—keep them informed.The lender you choose can make or break your deal—vet them like a partner.If this episode helped you think differently about money and deal-making, share it with a fellow investor. And don’t forget to follow, rate, and review The Real Estate Ride.

In this episode, Jay and I continue the Kickstarter series by helping you bridge the gap between big, long-term vision and what you can actually start doing right now. We talk honestly about time, priorities, and why waiting for the “perfect season” is usually the thing holding people back.This conversation is packed with real-life examples—from lifestyle goals like travel and freedom, to real estate strategies, health goals, and cash-flow planning. We walk through how to create waypoints that allow you to test your vision before going all in, so progress feels achievable instead of overwhelming.Episode Timeline:[0:01] – Why time is the most valuable asset we have[0:42] – Breaking down big vision into doable pieces[1:59] – Planning life first, then fitting business into it[3:07] – Rethinking ownership: boats, rentals, and access vs. assets[5:27] – Why convenience and time often matter more than status[6:39] – Designing your lifestyle instead of defaulting to hustle[8:02] – Using waypoints to test a vision before committing fully[8:41] – The Florida example: easing into a major life change[9:23] – Health, fitness, and setting realistic, measurable goals[11:04] – Cash-flow conversations and building income without burnout[12:50] – Turning weekly habits into long-term results[14:54] – Short-term rentals, hospitals, and intentional acquisition strategies[16:13] – Setting small, achievable targets that compound over time[18:05] – Why clarity beats comparison every time[20:07] – Aligning income goals with the lifestyle you actually want[21:47] – Stacking habits and protecting quality time[24:00] – Putting the vision on the calendar so it actually happens[25:21] – Final encouragement: progress over perfection5 Key Takeaways:Time is the ultimate currency—build your business to protect it.You don’t need to go all in to move forward; start with waypoints.Access can replace ownership when lifestyle is the real goal.Big visions become achievable when broken into daily actions.Your calendar should reflect your values, not just your to-do list.Links & Resources:Join our free Facebook group for real estate and lifestyle conversations: [Insert link]Vision templates and exercises shared during the Kickstarter seriesLearn more about working with us at: JayAndAnnieAdkins.comIf this episode helped you rethink how you approach your goals, please rate, review, and follow The Real Estate Ride. And share it with someone who needs permission to start living their vision now—not someday.

In this episode, I sit down with real estate investor and coach Stephanie O’Brien to unpack her journey from getting licensed in 2006 to becoming a powerhouse in short sales, investing, and now coaching others through major transitions. Stephanie shares how the 2008 crash shaped her career, why she chose to specialize in solving tough problems, and how that path eventually led to her own personal and professional reinvention.We dive deep into the mindset shifts required to go from chaos to clarity, how to recognize when you’re out of alignment, and why letting go of what no longer serves you is often the key to leveling up. If you’re feeling stuck or stretched thin, this conversation will help you realign and reset with purpose.Episode Timeline:[0:00] – Intro: how Stephanie got started in real estate pre-2008 crash[1:02] – Why she leaned into short sales instead of running from the chaos[2:21] – Building a business focused on helping people through hard transitions[3:45] – The power of coaching and clarity during seasons of confusion[5:17] – How to know when your goals are no longer in alignment[6:29] – Breaking free from the “more is better” mentality[7:38] – Getting honest about burnout and redirection[8:50] – Stephanie’s own reinvention journey and what sparked it[10:04] – From transactional real estate to transformational coaching[11:16] – Creating margin in your life and business[12:25] – Why entrepreneurship often reveals what we’ve ignored[13:48] – Setting new standards and boundaries after burnout[15:12] – Stephanie’s current coaching work and what lights her up[16:03] – What alignment looks like—and how to find it again[17:36] – Final words of encouragement for anyone stuck in the grind5 Key Takeaways:Realignment often starts with being honest about what’s not working.Short sales and creative investing solve real problems for real people.Burnout is a signpost—not a failure.Your next level may require releasing what worked in a past season.Coaching and community can create clarity faster than going it alone.Links & Resources:Connect with Stephanie on Instagram: @the.real.stephanieobrienCoaching or speaking inquiries: Stephanie’s WebsiteJoin our free Facebook group for real estate investors: [Insert link]Learn more at JayAndAnnieAdkins.comIf this episode gave you the clarity or courage to pivot, rate and review The Real Estate Ride. And don’t forget to share it with someone who needs to hear they’re allowed to evolve.

In this episode, Jay and I break down exactly who’s on our real estate investment dream team—and why having the right people in the right seats has been key to scaling our business. From contractors and lenders to attorneys and agents, we walk through every role we rely on to flip, buy, rehab, and manage rentals efficiently.We also talk through how we vet team members, how we use personality assessments to match people to the right jobs, and why you don’t need to do everything (or hire full-time) to build momentum. Whether you’re just starting or ready to scale, this episode gives you the blueprint for building a support system that frees up your time and grows your bottom line.Episode Timeline:[0:00] – Why we’re sharing our team structure and how it helped us surpass our 2024 goals[1:12] – Your time’s highest and best use: start there[2:03] – The difference between hiring and strategically outsourcing[3:09] – Using DISC and Predictive Index to assign the right roles[4:25] – Core roles in your REI team: who we rely on every day[5:44] – Attorneys: eviction, litigation, contracts, trusts, and why you need all 4[6:59] – Mortgage lenders and creative financing partners[8:02] – Title companies: what they do and why they’re critical[9:31] – Hard money and private lenders: how we structure these deals[11:12] – Contractors and trades: how to vet, test, and protect yourself[12:49] – Why we use U-Haul over dumpsters for cleanouts[13:55] – Property managers and their role in systematizing rentals[14:38] – Local realtors and off-market lead sources[15:49] – Our Facebook group and networking: finding your people[16:32] – You don’t need full-time hires—just reliable, aligned partners[17:20] – How this team structure keeps our business scalable5 Key Takeaways:Your time is your most valuable asset—build a team so you can protect it.Use personality tools to place people in the roles they’ll thrive in.You don’t need a huge payroll—just reliable pros in the right seats.Creative financing partners and attorneys are non-negotiables.Your network is your shortcut—connect, post, ask, and stay visible.If this episode helped you rethink how to structure your business, rate, review, and follow The Real Estate Ride. Don’t go it alone—build your A-team and scale with confidence.

In this episode, Jay and I reflect on how our vision for life and business has evolved—and how we intentionally build a real estate business that fuels our freedom, not just our finances. We unpack how thinking creatively about resources, like boat or airplane clubs, shifted our mindset away from ownership and toward lifestyle design.This conversation dives into why your calendar should reflect your values, how to move closer to your ideal life using “waypoints,” and why waiting for retirement isn’t the answer. We also talk candidly about creating multiple streams of income and real-life examples from our community of how people are aligning their goals with their daily choices.Episode Timeline:[0:01] – Why time—not money—is the most valuable asset[0:42] – How our vision work turned dreams into actual calendar items[1:59] – The boat ownership mindset shift and what we learned from boat clubs[3:07] – Why we started exploring airplane clubs instead of private plane ownership[5:27] – What this all has to do with designing a life that fits you—not the other way around[8:02] – Our “Florida test run” and using waypoints to validate vision[11:04] – Case study: laundromats, seller financing, and building cash flow creatively[13:35] – Setting health goals with measurable steps and long-term focus[15:28] – Short-term rental strategy targeting travel nurses[18:44] – Why we prefer paying interest to individuals over banks[25:01] – A discussion on hedge funds, portfolio debt, and what we’re seeing in the market[33:59] – Comparing your income to others—and the real definition of success[36:39] – Building multiple businesses and staying focused on your version of wealth[43:48] – How a camping trip in Hawaii became a lesson in resourcefulness[45:21] – Final encouragement: calendar your vision, write it like it’s already happened5 Key Takeaways:Design your business to serve your life—not the other way around.Waypoints help you test your big dreams before going all in.You don’t have to own everything—use clubs, rentals, and partnerships to live your vision now.Creative cash-flowing assets (like laundromats or STRs) can support long-term freedom.Writing your vision as if it already happened helps it become real.If this episode helped you reframe how you think about time, income, and lifestyle design—please rate and review The Real Estate Ride, and don’t forget to share it with someone who’s ready to start building freedom today.

In this episode, I walk you through how Jay and I find and structure creative financing deals—without relying on banks, credit checks, or big down payments. If you’ve ever felt stuck because of limited access to capital or credit, this episode shows you how to make real estate happen anyway.From $10 purchases to lease options and land trusts, I unpack the exact ways we acquire properties using seller financing and subject-to strategies. I also break down how we talk to sellers, how we protect both parties, and how we exit these deals with profit and peace of mind.Episode Timeline:[0:00] – Why I kicked Jay off the mic today 😉[0:42] – Our full real estate background in a nutshell[2:15] – How we lost it all in 2005—and why we now help others avoid that[3:20] – What creative financing actually means (subject-to, seller finance, etc.)[3:39] – Where we find these deals: Zillow, Facebook, Craigslist & more[5:07] – How we use bandit signs, call tracking, and smart marketing[6:39] – What we say to sellers and how we structure the conversation[9:05] – The $10 house we bought—and how we made it work[10:12] – Explaining “payments for equity” in plain language[11:26] – How we protect sellers and ourselves with land trusts[13:27] – Due diligence: utilities, inspections, and title checks[15:16] – Why maintaining seller relationships post-close is critical[16:01] – What we do after acquisition: tenant vs. tenant-buyer[17:29] – How we structure lease-option agreements for tenant buyers[18:09] – How we price deals and work with future homeowners[19:08] – Why vision drives our whole business model[20:11] – Building a plan backwards from your goals[21:14] – Creating your power team to support creative deals[22:36] – What your market allows (and why that matters)[24:22] – How to balance time vs. money in your strategy[25:44] – Hiring your first helper (even just 10 hrs/week)[26:07] – Why vision-focused planning has kept us consistent for 20 years[26:52] – Free checklist offer & where to get it5 Key Takeaways:Creative financing gives you a way to buy without banks—if you understand the seller’s needs.You can find great leads for free if you know where to look (and how to follow up).Land trusts and lease options protect all parties while creating real profit potential.A strong seller relationship and clear communication are your best closing tools.Your business should be built around your vision—not just chasing the next deal.If this episode sparked new ideas for how to grow your portfolio creatively, share it with a friend who needs to hear it. And as always—rate, review, and follow The Real Estate Ride so we can keep bringing you real stories, real tools, and real estate done your way.

In this episode, we walk you through the exact framework we use to run successful rehabs—from small cosmetic flips to full gut jobs. Whether you’re brand new to flipping or scaling your renovation projects, this is the system that keeps our projects on budget, on time, and profitable.We break down how we determine scope, organize trades, avoid common contractor delays, and create detailed estimates—before swinging a single hammer. If you’ve ever felt overwhelmed by rehab planning, or struggled with unknowns mid-project, this episode gives you the step-by-step clarity you need.Episode Timeline:[0:00] – Intro to the Rehab Masterplan and why you need one[1:04] – The first thing we do before building a budget[1:58] – Walkthrough videos: how they help you quote fast and accurately[2:40] – Why order of operations is critical to avoid job site chaos[3:20] – Our template: flooring, paint, kitchens, baths, HVAC, etc.[4:35] – Creating line items with quantities and prices[5:08] – How we group scopes for labor bidding efficiency[6:27] – What we include in our full estimate (line by line)[7:01] – Avoiding scope creep with early decision-making[7:49] – The “wants vs. needs” list and why it protects your budget[8:35] – Adding 15–20% contingency to every project[9:12] – Why you need multiple crews or backup labor plans[9:44] – Coordinating permits, inspections, and timelines[10:31] – Why material pre-orders save time and money[11:22] – What to document weekly to avoid miscommunication[12:04] – How to evaluate when to DIY vs. outsource[12:51] – Sample budget breakdown from one of our flips[14:18] – The key numbers we track on every project[15:07] – How this plan fits into the larger BRRRR or flip model[16:03] – Final thoughts on being proactive vs. reactive in rehabbing5 Key Takeaways:Start with a detailed scope video—before bringing in a crew.Pre-plan your order of operations to avoid costly delays.Budget line-by-line with both labor and material separated.Scope creep kills profit—know your “needs vs. wants” up front.Always build in a contingency—15–20% protects your margin.If this episode helped you simplify your next rehab, be sure to rate and review The Real Estate Ride. And don’t forget to share it with a friend who needs a better game plan on their next flip.

In this episode, I share a very personal and practical walkthrough of how Jay and I built our real estate business around our life—not the other way around. If you’re working 60+ hours a week, struggling with boundaries, or feeling like your business is your entire identity, this conversation is for you. I unpack how vision, boundaries, and intentional scheduling gave us our time back—and how you can do the same.This isn’t theory. It’s what actually helped us go from 80-hour weeks to 12 weeks off per year, from chaos to clarity. I also break down one simple but powerful calendar exercise that changed everything for our family, our marriage, and our business.Episode Timeline:[0:00] – Why vision matters before business even begins[1:13] – Our life before: Jay working 80 hours, 4 young kids, no balance[2:07] – Realizing we needed to design our life and business together[3:11] – The myth of hustle: why boundaries are more powerful[4:34] – When you’re always available, you’re never fully present[5:18] – How overwhelm sneaks in when you lack clarity[6:10] – Why we plan our lives like people plan weddings or funerals[7:03] – The calendar exercise: your week, your way[8:12] – My top 3 non-negotiables for our family and business[9:59] – You don’t need a full-time hire—start small[10:39] – The shift that brought back Friday night date nights[12:30] – Reframing client expectations and reclaiming time[13:20] – Time is more valuable than money—and it’s non-refundable[14:08] – Knowing your “genius zone” and outsourcing the rest[16:03] – Starting with $9/hr help and getting more life back[17:05] – If you have a day job, here’s how to start your RE biz[18:20] – Find others who’ve built the life you want—and study them[19:13] – Tell someone your goal. Accountability changes everything[20:07] – Challenging the 9–5 mindset: why wait 40 years to live?[21:03] – Coaching, meetups, masterminds—we use them all[24:00] – How we went from burnout to 25-hour workweeks[25:27] – Our yearly reset using the “Wheel of Life”[27:00] – My audacious fitness goal—and what it taught me about vision[29:08] – Reverse engineering your goals into daily steps[30:02] – How we stay connected to our vision daily5 Key Takeaways:Don’t build a business that breaks your life. Design both together.Clarity and boundaries are the secret to reclaiming your time.You don’t need full-time hires—start with just a few hours a week.Your calendar reveals your values. Block the time that matters.A strong vision gives every task meaning—and prevents burnout.If this episode gave you clarity, please share it with someone who’s in the thick of hustle. And don’t forget to rate, review, and follow The Real Estate Ride—it helps us keep bringing you raw, real, and helpful conversations like this one.

In this episode, we break down the 7 critical factors we evaluate before buying a flip—regardless of the market, neighborhood, or exit strategy. This is the exact checklist we use before making any flip offer, and it’s packed with lessons we’ve learned from doing this for over two decades.If you’re trying to avoid costly mistakes, surprise delays, or deals that turn into dead weight, this one’s a must-listen. We share stories from past flips that didn’t go as planned, and exactly how to budget, inspect, and plan better on your next project.Episode Timeline:[0:00] – What this episode is about: the 7 things we check before every flip[0:25] – Why you don’t want to flip next to a hoarder house[1:13] – How one neighbor’s mess cost us two years of rent delays[2:16] – Neighborhood red flags: crime, sex offenders, and neglected yards[3:50] – How to budget for fences, landscaping, and visual barriers[4:20] – Rental-heavy neighborhoods: flip them or skip them?[5:08] – Rehab timelines: why speed and neighborhood trends matter[6:00] – What delays gas, power, or inspections—and how to avoid it[6:52] – Holding costs, contractor availability, and supply chain issues[7:48] – Why you need a 15% cushion for unknowns[8:04] – Coordinating trades and managing a reliable project schedule[9:25] – Are you acting as the GC—or paying someone who is?[10:17] – How to add value through layout changes and creative renovations[11:39] – Turning formal dining rooms into master suites[12:00] – Creative additions: patios, garages, and mini-splits[12:36] – Checking the comps: how many, how recent, how similar?[13:37] – What finishes and photos tell you about the local market[14:30] – Days on market, pricing trends, and market timing[15:00] – Your action step: pull a property and evaluate it today5 Key Takeaways:Always walk the neighborhood—don’t just look at the house.Rehabs take longer (and cost more) than your contractor promises.Plan for surprises—behind every wall could be termites or worse.Don’t assume you can flip anywhere—comps and neighbors matter.A 15% contingency and strong scheduling will save your profit.Links & Resources:Tools mentioned: Zillow, Rentometer, MLS, Realtor.comMore on our process: JayAndAnnieAdkins.comIf you found this episode helpful, share it with a friend, rate it, and leave a quick review. Every flip starts with a smart buy—use this checklist before you commit.

In this episode, we sit down for a strategy session about the bigger picture: where we’re going, why we’re focusing on Ohio, and how we plan to grow intentionally in 2025. We lay out our full business model—including flipping, long-term rentals, short-term rentals, and how we’re layering in our construction team, admin support, and boots-on-the-ground leadership.If you’ve ever wanted to hear the inner workings of a real estate business as it scales—this is your inside look. From how we structure deals to how we delegate tasks, this is the blueprint we’re building right now. Transparent, strategic, and full of hard-earned lessons.Episode Timeline:[0:00] – What the “Masterplan of Ohio” really means to us[0:57] – Reinvesting into infrastructure: construction, admin, systems[1:38] – Our current business model: flips, STRs, LTRs, and project management[2:11] – Using our own crews and how that changes our margins[2:55] – Why 2025 is about intentional, controlled growth[3:48] – Assigning leads and ownership across departments[4:36] – Systems we’re using to manage more deals without more chaos[5:23] – Building a pipeline of consistent leads through organic methods[6:13] – Strategic use of project managers on-site[7:02] – Why we’re focused on stabilizing internal operations before expanding[8:08] – How new team members are stepping into leadership roles[9:01] – Delegating with purpose: why we’re no longer doing it all ourselves[9:56] – Final thoughts on scale, clarity, and planning forward5 Key Takeaways:Scaling starts with systems. If you can’t delegate it, you can’t grow it.Organic marketing still works—especially when it’s consistent.You don’t need more deals, you need better infrastructure.Focus on one market, one vision, and build outward with clarity.Put the right people in the right roles—and then get out of their way.If you got value from this episode, take 30 seconds to rate, review, and follow The Real Estate Ride. It helps more people learn how to grow smarter—not just faster.

In this episode, we walk you through one of our most talked-about creative financing deals—where we acquired a house for just $10. That’s right. Ten dollars. No bank, no credit check, no traditional financing—and still a solid, cash-flowing property.We break down the story behind the deal, the problems the seller faced, how we negotiated terms, and how we used our BRRRR Master Plan to turn this into a cash-producing rental. This is a real-world example of how creative real estate works, even if you don’t have a ton of cash or perfect credit. You’ll hear exactly what we paid, how we structured the deal, and what the end result looked like.Episode Timeline:[0:00] – Intro to the $10 house case study[0:32] – No credit checks, no bank—how we got the property[0:57] – The BRRRR Master Plan we use with our students[1:49] – Overview of the deal structure and terms[2:12] – What made this a “creative financing” opportunity[3:16] – Property details: 3-bed, 1-bath, detached garage, B-class area[4:05] – How a family connection led to this off-market deal[4:55] – Why the seller didn’t want to deal with the property anymore[5:47] – Seller concerns and how we addressed them (taxes, repairs, insurance)[7:13] – Getting bank approval to take over the loan[8:49] – Deferring $2,000 to closing instead of upfront payment[9:06] – Our multi-exit strategy approach: flip, rent, wholesale[10:16] – Light repairs and added equity: what we did and spent[11:11] – Option to sell with a lease option tenant-buyer[12:42] – Total costs, income, and profit breakdown[13:14] – The lease option strategy and how we qualify tenants[14:09] – Timeline: from acquisition to rent-ready in under 90 days[14:54] – The A-Team that made this deal possible[15:19] – Importance of title searches and legal review[16:38] – How we use the MLS, Rentometer, and market tools[17:52] – Why we built our own construction company (and why you don’t have to)[18:57] – Our admin team and the systems behind our scale[20:25] – How we market properties across multiple channels[21:16] – Tools we use to manage leads and applicants[22:07] – Invitation to join our real estate community5 Key Takeaways:Creative financing lets you buy without banks, credit, or cash—if you solve the seller’s problem.Always have multiple exit strategies in mind before committing to a deal.A strong team (title company, attorney, contractors) is essential to move fast and stay compliant.Lease options can provide upfront income and a path to long-term profit.Systems and tools are the secret to scaling without burnout.If this episode opened your eyes to what’s possible with creative deals, please subscribe, rate, and share The Real Estate Ride. We’re here to help you take that next step—one smart deal at a time.

In this episode, we sit down with Joe McCall to share the full story behind our journey into real estate—from flipping with no money, to building a rental portfolio, to helping others create financial freedom on their own terms. We talk about the early mistakes, the hard lessons, and the strategies that helped us go from broke bartenders to full-time investors and coaches.You’ll hear how we bought our first deals creatively, how we built momentum without bank financing, and why we’re so passionate about helping others do the same. Whether you’re brand new or struggling to scale, this conversation is packed with mindset, practical tips, and encouragement from two people who’ve lived the before and after.Episode Timeline:[0:00] – Intro with Joe McCall: how we first got connected[1:32] – Our first deal (and the sex offender next door that pushed us into it)[3:45] – Creative financing before we even knew what it was[5:12] – Transitioning from bartending and daycare to real estate full-time[7:00] – The mindset shift that changed our trajectory[8:18] – How we bought 12 rentals with no bank loans[10:14] – What we look for in a property and why[12:02] – Using seller finance, subto, and private lenders[13:46] – Why we never depend on just one strategy[14:55] – Finding deals in small-town markets[16:25] – How our coaching program helps new investors get traction[17:52] – Building a lifestyle business around family and freedom[19:08] – What we’d do differently if we started again[21:17] – Top advice for investors trying to get their first deal[23:06] – Our Airbnb strategy and short-term rental pivots[24:40] – Building real estate into your long-term wealth plan[26:30] – Final thoughts on belief, grit, and getting started today5 Key Takeaways:You don’t need your own money to get started in real estate.Creative financing works—especially in smaller markets.Mindset and grit matter more than having the perfect plan.A good deal solves a problem—for the seller and for you.Freedom is possible—but it takes intention and consistent action.If this episode fired you up to chase your first deal—or your next—rate and review The Real Estate Ride. Then share it with a friend who needs that push to get started.

In this special guest appearance on the Kenner French Show, we open up about our early beginnings, our unique journey into real estate, and how we built a lifestyle business around coaching and investing. From high school sweethearts to managing multifamily properties and helping others design lives they love, we cover a lot of ground—including real estate strategies for every stage of the journey.Whether you’re just starting out, thinking about leaving your W-2, or ready to scale past 10 properties, this conversation is packed with real talk, practical tips, and stories from the trenches—including the deal that doubled in value in just four months.Episode Timeline:[0:00] – Opening chat with Kenner: How our story began in high school choir[1:36] – Our biggest advice to high-net-worth and beginner investors[2:14] – Why we believe in massive action and lifestyle-driven investing[3:15] – How we pivoted from hospitality jobs to real estate[4:40] – Launching our coaching business and keeping it intentionally small[6:02] – The sex offender next door that sparked our first rental property[7:07] – Getting denied by banks—and how it led to creative financing[8:04] – Buying in a crash: why we leaned in when others leaned out[9:18] – How to start investing with no money down[10:12] – Using hard money and private lenders as a beginner[12:02] – Building a custom blueprint and reverse engineering your goals[14:14] – Coaching students nationwide: from flips to short-term rentals[15:23] – Using AI for deals, budgets, marketing, and more[17:09] – How we acquired 24 rentals in one year[19:15] – Creative multifamily partnership case study: the 4-month turnaround[22:02] – Financing with equity from existing rentals[25:35] – Turning a $475 rental into a $1,200/month Airbnb[27:04] – Coaching details: cost, structure, and success stories[28:46] – Our Amazon bestselling book—and beating Khloe Kardashian!?5 Key Takeaways:Creative financing unlocks massive opportunity—even without your own money.You can build wealth and freedom with a lifestyle-driven business model.AI can be your secret weapon in analyzing deals and running operations.Talk about what you do—referrals and visibility bring deal flow.Success starts with clarity: know your vision, and reverse engineer it.If you enjoyed this episode, please subscribe, share, and leave a review for The Real Estate Ride. Let’s keep growing together—and remember, your vision is your foundation.

In this episode, Jay and I tackle the question we keep hearing: “Are there even any good deals out there anymore?” The answer is a resounding yes—and we’re proof. We’ve picked up 27 rental properties this year alone, and in this episode, we break down exactly how we’re doing it.From Facebook groups to referrals to bandit signs and beyond, we share the free and low-cost strategies that are filling our pipeline. You’ll hear the story behind our latest deal (including the exact script we used to win it), plus tips for getting deals without relying on a big marketing budget.Episode Timeline:[0:00] - Intro: 27 rentals acquired in 8 months—are deals really gone?[1:20] - The challenge we set and how we exceeded it[2:25] - Top 3 lead sources we’re using in today’s market[3:28] - Posting in Facebook groups: what works and why[4:15] - The power of your personal network and daily outreach[5:11] - Why documenting your projects brings deals to you[5:47] - Referrals, yard sales, and how we got our latest deal[6:33] - Pro tip: run comps before you visit the property[7:30] - Our offer formula and how we lock in rehab numbers fast[9:15] - Beating the competition with clean, simple offers[10:24] - Adding “attorney review” to your contract—why it works[11:16] - How we use large $500–$1,000 referral bonuses for more visibility[12:22] - Marketing with reusable “big checks” and Facebook shoutouts[12:50] - Working with (select) wholesalers and applying the 80/20 rule[13:54] - Organic marketing vs. high-cost campaigns: what’s worth it[14:33] - Bandit signs and how we track results with unique numbers[16:00] - CRMs, lead tracking, and why every number matters[17:32] - Local newspapers, title companies, and other overlooked lead sources[18:43] - Free monthly lists from your title company: how to get them[20:08] - Yellow letters, postcards, and probate outreach ideas[21:22] - Text and voice blasts for bulk marketing[21:43] - How to contact us and join our network5 Key Takeaways:Deals are everywhere—if you’re willing to be visible and consistent.Facebook groups are still one of the best free tools for deal flow.Offer fast, keep it simple, and remove friction for sellers.Track your marketing so you know what’s working (and what’s not).You don’t need a big budget—just a bold strategy and smart execution.If this episode sparked new ideas or gave you confidence to go find your next deal, help us out by rating, reviewing, and sharing The Real Estate Ride. Let’s keep growing together—one smart deal at a time.

In this special episode, Annie and I are interviewed on the Real Grit podcast with Neil Timmons, where we open up about our real estate journey—from buying our first rental to losing everything and building it back. We share the raw, behind-the-scenes story of how addiction, foreclosure, and personal breakdowns shaped our business today.If you’ve ever struggled with staying focused, balancing work and family, or getting back up after failure, this one’s for you. We get real about the lessons, turning points, and mindset shifts that helped us create a sustainable investing business and a life by design.Episode Timeline:[0:00] - Interview intro: From bartending to buying our first home[1:00] - How we accidentally became landlords—and got hooked[3:12] - Scaling with lease options and early cash flow goals[5:05] - Learning real estate from books before the internet[6:00] - The turning point: DUIs, job loss, and hitting rock bottom[8:45] - Why getting sober was step one—and how we rebuilt from there[10:15] - Moving into a destroyed flip to start over[11:30] - Partnering with a commercial investor to regain momentum[12:25] - Getting bank qualified again and rebuilding our rental portfolio[13:33] - Shifting to creative financing and subject-to deals[14:46] - Helping sellers in distress—because we’ve been there[16:26] - How we help new investors design a business around their life[18:09] - From work addiction to work-life balance: what changed[20:04] - Looking ahead: our plans for flips, Airbnbs, and group coaching[22:08] - Why we’re expanding our Airbnb strategy in Ohio[24:00] - Final thoughts on giving back, mindset, and daily commitment5 Key Takeaways:Your personal foundation is the root of your business success. Get that right first.Failure isn’t final. We lost everything—and still rebuilt with more purpose.Creative financing and partnerships can unlock big opportunities.Build a business that supports your life—not the other way around.Success requires intention. Design your lifestyle and let your business follow.Thanks for listening to this very personal episode. If it spoke to you, please rate and review The Real Estate Ride, share it with a friend, and don’t forget to subscribe. You never know who might need to hear this today.

In this episode, Annie and I walk you through how we consistently find real estate deals—completely free—using Facebook groups. Whether you’re just starting or looking to cut marketing costs, this training is all about tapping into local online communities to uncover off-market opportunities. We share the exact process we use, from what groups to join, to how to post, to how to stand out from the noise.We also talk about the mindset and vision work that sets the foundation for long-term real estate success. This episode is part strategy, part motivation, and 100% actionable. If you’re ready to grow your deal pipeline using one of the most overlooked (and free) platforms, this one’s for you.Episode Timeline:[0:00] - Welcome and intro to the Facebook Deals training[0:36] - Why vision work is the first step to real estate success[1:25] - How mindset and clarity drive long-term results[3:30] - Why Facebook groups are our #1 source for deals[4:00] - Debunking the myth that real estate marketing has to be expensive[4:44] - Overview of daily action steps and group posting process[5:27] - How to find and join the right Facebook groups[6:27] - Which groups not to post in (and why)[7:12] - Posting strategy: where, when, and how often[8:01] - Tips for crafting effective posts that actually get replies[9:13] - Using bandit sign images and original content to get noticed[10:01] - Boosting the algorithm: why comments matter[10:21] - Start building your agent and contact network through replies[11:17] - Follow group rules to avoid “Facebook jail”[12:00] - What to do if a group removes or blocks your posts[12:40] - Why even small local groups can produce leads[13:31] - Step-by-step instructions for creating a posting schedule[14:17] - Vision training video: why it matters and how to submit[14:39] - Daily goal: join 12 groups per day, post in 12 groups per day[15:08] - Use a spreadsheet to track group rules and activity[16:27] - Live Facebook walkthrough: joining and navigating groups[19:13] - Sample post creation: what we write and how we format it[20:42] - Targeting groups for virtual wholesaling nationwide[21:55] - Wrapping up and how to get support in our Facebook group5 Key Takeaways:Facebook is a powerful, free lead source—if used strategically and consistently.Focus on general buy/sell/trade and community groups, not just real estate groups.Post daily, but avoid overposting—balance activity to prevent account restrictions.Craft original, engaging posts that end with a question to boost visibility.Track your efforts and results using a spreadsheet to stay organized and compliant.If this episode helped you rethink how to find deals without spending money, rate, review, and share The Real Estate Ride. We’re here to help you take action and grow your investing business one step at a time.

In this episode, Jay and I break down some of the most common—and costly—mistakes that real estate investors make when flipping houses. With over 15 years of hands-on flipping experience, we’re sharing the lessons we’ve learned the hard way so you don’t have to. From over-improving properties to skipping the staging budget, we cover it all.We walk through real examples, including major misses on labor budgeting, scope creep, and ignoring neighborhood dynamics. Whether you’re just starting or scaling your flips, this episode will help you build a more profitable and sustainable strategy for your next rehab project.Episode Timeline:[0:00] - Intro: Flipping mistakes we’ve made and seen over the years[1:07] - Why slow flips can sabotage your marriage (and your sanity)[1:52] - The types of houses we buy (and why most people avoid them)[3:03] - Understanding your market’s timing and trends[3:40] - Mistake #1: Not paying yourself or budgeting for labor[5:14] - What happens when you get injured and didn’t plan for help[6:10] - How hiring a crew changed our business[6:48] - Mistake #2: No defined scope of work before hiring contractors[7:43] - Creating your “needs vs. wants” renovation list[8:41] - Mistake #3: Over-improving for the area (and losing money)[9:26] - Using comps to guide your design and finish choices[10:08] - Why contractors upselling you can hurt your margins[11:01] - Neighborhood analysis and surprises that kill a sale[11:57] - Mistake #4: Not including a contingency buffer in your budget[13:15] - Getting multiple bids and what to look for in a quote[14:33] - Why an on-site scope of work is non-negotiable[15:44] - Mistake #5: Forgetting to budget for staging[16:42] - How we stage difficult layouts to help buyers visualize[18:08] - Why staging drastically shortens time on market[19:26] - Adjusting your rehab plan mid-project without losing margin[20:20] - Appliance packages: provide them, offer credit, or skip?[21:30] - How rental-heavy neighborhoods impact your exit strategy[22:37] - Full recap: Our top 10 must-dos for every flip[23:25] - Final thoughts and where to reach us for bids or support5 Key Takeaways:Pay yourself—or someone else—from day one to avoid delays, burnout, or worse if something goes wrong.Define your scope of work upfront with a detailed needs/wants list and share it clearly with contractors.Match finishes to the comps, not your personal taste. Overbuilding will eat your profits.Budget for the unknown by adding contingency to every line item. Surprises will happen.Stage your properties smartly, especially if you want top dollar quickly—even light staging makes a big difference.If this episode helped you rethink how you approach flips, please rate, review, and share The Real Estate Ride. We appreciate your support and hope it helps you level up your next project.

What’s it really like to work side by side with your spouse every day? In this episode, we get real about the challenges, the breakthroughs, and the lessons learned from building a business together while keeping our marriage strong. From figuring out roles to setting boundaries, we dive into what has helped us survive—and thrive—as both business partners and life partners.We share stories from our own journey, including the rough patches, the learning curves, and the systems we’ve put in place to balance family, work, and personal time. Whether you’re already working with your significant other or just curious about what it takes, you’ll find practical advice you can apply to strengthen both your business and your relationship.Episode Timeline Highlights:[0:00] – Our backstory: high school sweethearts to business partners[1:53] – Why working together wasn’t the original plan[2:53] – How growth seasons can strain your relationship (and how to cope)[4:02] – Setting boundaries with time, clients, and each other[5:12] – Why rest and time off are crucial for long-term success[7:17] – Tools we use to set expectations with clients and team members[8:32] – The rocky first 30 days of working together[9:22] – How a coach helped us navigate roles and responsibilities[10:33] – Dividing tasks by strengths and personality differences[12:11] – The importance of alone time and self-care practices[14:06] – Boundaries with clients, friends, and even each other[15:17] – Why our relationship always comes before the business[16:57] – Date nights, meditation, and other habits that keep us grounded[20:15] – Trial and error: finding what works and what doesn’t[22:04] – When to bring on extra help and delegate tasks[23:11] – Practical tips: lists, roles, and personality tests3 Key Takeaways:Boundaries are non-negotiable – Set limits on your time, communication, and responsibilities to protect your relationship and your sanity.Play to your strengths – Divide roles based on what each partner enjoys and does best, then delegate or outsource the rest.Your relationship comes first – Business success means nothing if your partnership suffers; prioritize your marriage above all else.If you enjoyed this episode, please rate, follow, and review the podcast. Share it with another couple in business who could use some encouragement and practical tips for working together.

If you’ve been wondering how to find real estate deals without breaking the bank, this episode is for you. We’re pulling back the curtain on how we use Facebook groups to source 90% of our deals—and how you can too. From setting your vision to building momentum with simple daily action steps, we’ll walk you through a proven strategy to grow your business organically, even if you’re just starting out.We cover why mindset and vision are your foundation in real estate, how to tap into free community resources, and the exact posting strategies we use to generate consistent leads. Whether you’re wholesaling, flipping, or just looking to break into the market, you’ll come away with a step-by-step game plan you can start today.Episode Timeline Highlights:[0:00] – Why vision is the foundation of your real estate journey[1:14] – Why 80% of success in real estate comes down to mindset[3:28] – How Facebook deals became our #1 lead source[4:13] – Why you don’t need big marketing dollars to get started[5:27] – What types of Facebook groups to join (and which to avoid)[7:33] – Posting strategies to stand out and work with the algorithm[8:20] – Why keeping posts short, simple, and question-driven boosts engagement[9:11] – Always be testing: creating your own templates for better results[10:05] – Building your sphere of influence and networking with agents[11:14] – Understanding group rules and how to avoid Facebook jail[12:38] – Why group size matters (and how small groups can still deliver leads)[13:28] – Action items: vision video and joining 12 groups per day[15:06] – Posting consistently while staying under Facebook’s limits[16:01] – Tracking your posts and groups with a spreadsheet system[18:26] – Examples of the types of community groups to target[20:00] – Sample posts that generate leads in buy/sell/trade groups[21:01] – Expanding into new markets with virtual wholesaling3 Key Takeaways:Vision and mindset are critical – Before diving into deals, you need clarity on what kind of life and business you’re building.Facebook groups are a free goldmine – With the right posting strategies, you can consistently find deals without expensive marketing.Consistency wins – Small, daily actions like joining groups, posting, and tracking results will compound into real results over time.If you enjoyed this episode, make sure to rate, follow, and review the podcast. Share it with a friend who’s ready to grow their real estate business and start finding deals the smart way.

In this episode, I walk you through exactly how to run comps using free online tools—no MLS access required. Whether you’re evaluating a flip or rental, understanding how to analyze comparables is essential. I use a real property in a small Ohio village as a live case study and show you how to assess the market, evaluate potential resale values, and avoid common pitfalls.From navigating Zillow filters to understanding how lot size, condition, and bathrooms affect pricing, this is a comprehensive, step-by-step guide for beginners and seasoned investors alike. If you’ve ever felt unsure about how to value a deal outside your local area or without MLS access, this episode is for you.Episode Timeline:[0:00] - Intro to running comps without MLS[0:28] - Starting with a real property search on Google[1:16] - How to define comparable neighborhoods[1:42] - Understanding style and structure of nearby homes[2:57] - Getting base info from Zillow and what to watch out for[4:13] - Using Zillow’s map overlay for quick value insights[5:22] - The problem with active listings as comps[6:13] - Spotting unfinished flips and interpreting pricing[7:09] - Filtering out non-comparables like multifamily homes[10:05] - Setting square footage ranges to narrow results[11:44] - Evaluating condition and work needed on subject property[12:09] - Finding neighboring sales and checking sale dates[13:35] - Why age of comp data matters[14:25] - Identifying market value ranges for different property types[17:02] - Digging into why certain homes sold for more[18:19] - What a $60K property typically looks like inside[20:00] - Rental potential and cash flow calculations[21:17] - How an extra bathroom can increase value significantly[23:19] - Two rehab scenarios: small profit vs. big return[24:03] - How to approach comps with multiple exit strategies5 Key Takeaways:Start with neighborhood context – Understand the micro-location before diving into numbers.Use Zillow’s filters wisely – Limit by property type, square footage, and sale recency to get relevant data.Photos are your friend – Look at sold properties’ condition to estimate your ARV more accurately.Add a second bath if possible – It can boost value by $20K–$50K, depending on area and price point.Be realistic about your profit margin – A $15K flip might not be worth the risk, but a $40K return could be.If this walkthrough helped you feel more confident about comping deals, rate, review, and share The Real Estate Ride. Every bit of support helps more investors find us and grow their business.

In this episode, Annie and I walk you through a full case study of one of our most challenging and rewarding rehab projects to date—a fire-damaged property we purchased from a wholesaler. We break down every step, from structural surprises and smoke damage to budget adjustments and smart staging strategies. This is a real-world look at how we handle unexpected issues and still bring a distressed property back to market-ready condition.We cover what tools we used, what went wrong, how we pivoted, and how we manage the pressure of a fast-approaching listing deadline. Whether you’re new to flipping or looking to take on more complex projects, this episode will give you a detailed playbook for managing rehab chaos with confidence and creativity.Episode Timeline:[0:00] - Introducing the fire-damaged property and how we acquired it[1:16] - Scope of damage: fire, smoke, plaster, and a partial roof replacement[2:37] - Why we go after deals others avoid[3:22] - Sealing smoke damage: products that actually work[4:24] - Budgeting for mechanicals and structural issues[5:17] - Surprise structural problems and how we solved them[6:51] - Cost-saving move: repurposing used cabinets[8:11] - Final stage of rehab and getting it market-ready[9:29] - Dealing with contractor mistakes and last-minute fixes[10:22] - Flooring changes and creative design decisions[11:02] - How we handle lighting, vanities, and layout adjustments[12:04] - Using House Pro for mood boards, budgeting, and design planning[13:17] - Practical alternatives for new investors without design software[14:33] - On-site organization: keeping everyone on the same page[16:05] - Why we chose this house: location, layout, and buyer appeal[17:38] - Deciding not to add a second bath—and why[18:43] - Staging to sell: layout tips and selling furniture[19:46] - Renting vs. owning staging furniture[20:59] - How we source staging items affordably[21:58] - Staging dos and don’ts for tight budgets[23:21] - Building long-term vendor relationships[24:12] - Why we skip curtains and wall art in staging[24:31] - Simple, smart landscaping that sells without daily maintenance[25:15] - Final thoughts and lessons from this fast-paced flip5 Key Takeaways:Don’t fear fire-damaged homes – With the right tools and knowledge, these properties can offer excellent ROI.Expect the unexpected – Structural surprises are common; budget buffer and flexibility are essential.Reuse creatively – Repurposing materials like cabinets can save thousands and help offset unforeseen costs.Systematize your design – Using tools like House Pro or even free alternatives helps keep your projects consistent and on budget.Stage smart, not expensive – Staging doesn’t require brand-new furniture—just clean, cohesive, and well-placed items.If this episode gave you insight into tackling bigger rehabs, we’d love it if you rated, reviewed, and shared The Real Estate Ride. Your support helps more aspiring investors learn what’s really possible in real estate.

In this episode, Annie and I dive into a fresh wholesale deal that hit our inbox just an hour before recording. We walk you through our full analysis—looking at property details, running comps, identifying red flags, and evaluating whether this is a flip, a rental, or a pass. If you’ve ever been on a wholesaler’s list or considered buying one of their deals, this is the kind of real-world walkthrough you don’t want to miss.We share our honest reactions in real time, from spotting odd features on the property to questioning the reliability of the comps provided. Plus, we open up about how we balance multiple exit strategies and what numbers really make a deal worth pursuing.Episode Timeline:[0:00] - Breaking down how we received the wholesale deal[0:54] - Initial impressions: price, size, and property highlights[1:27] - Manufactured home or not? Determining property type[2:32] - Unusual exterior features and needed repairs[3:16] - First-time seeing a mysterious gutter box[3:56] - Cape Cod layout: pros and cons for flipping or renting[4:24] - Floor plan challenges and converted porch space[4:58] - Garage and shed analysis: what adds value and what doesn’t[5:22] - Bathroom setup and importance of a bathtub in flips[6:01] - Exterior condition: paint, siding, and ceiling tiles[6:23] - Updated panel but potential for outdated wiring[6:47] - Initial discussion on flip vs. rental strategy[7:22] - Comps overview and projected ARV[8:18] - Verifying wholesaler comps—and why most didn’t check out[10:06] - School district mismatch: why it matters[12:30] - Running our own comps and setting expectations[14:24] - Market activity snapshot: competition and pricing[17:35] - Still can’t find the property on Google Maps[21:16] - Adjusting values for acreage differences[22:19] - Final ARV range and rehab budget[22:56] - Deal verdict and next steps5 Key Takeaways:Always verify comps independently – Don’t assume the numbers sent by wholesalers are accurate. Run your own comparables through MLS or reliable sources.Know your exit strategies – Go into every deal with at least two options, whether it’s a flip, a rental, or even wholesaling it yourself.Small details matter – Odd features like unidentifiable structures or outdated floor plans can impact a buyer’s perception and resale value.ARV is not one-size-fits-all – Comps must match in style, size, age, and school district to be valid indicators of potential resale price.Location verification is crucial – If you can’t find the property or verify its location, it’s a huge red flag. Always confirm before proceeding.If you found this episode helpful, make sure to rate, review, and follow The Real Estate Ride. Share it with a friend or colleague who’s diving into wholesaling or just wants to get better at deal analysis.

In this episode, we’re breaking down the different types of creative financing strategies that we’ve personally used to build our real estate business. You’ve probably heard terms like “lease option,” “land contract,” or “subject to”—but what do they actually mean, and when should you use them? That’s exactly what we cover here.We go over the pros, cons, and real-world applications of each method so you can understand how to use creative finance to structure win-win deals, even if you don’t have perfect credit or a ton of cash. Whether you’re brand new to real estate or looking to expand your deal-making toolkit, this episode is your practical guide to understanding how these strategies work in the real world.Episode Highlights:[0:00] Introduction[0:25] Clarifying what “creative financing” really means[1:12] What a lease option is and why it was our first creative deal[2:23] How a lease option gives you control and flexibility without owning[3:08] The legal shift we made after sandwich lease options were banned in Ohio[4:19] How lease options still work with rentals and Airbnb strategies[5:01] What a land trust is and how it helps transfer control of a property[6:24] Using land trusts to stay legal and flexible in seller deals[7:16] Breaking down the 3 parts of a land trust: trust, beneficiaries, trustee[8:12] Why we use LLCs as trustees for cleaner transactions[8:37] Understanding land contracts (aka contracts for deed)[9:06] How land contracts allow you to buy without 20% down[10:23] What it means to buy a property “subject to” the existing mortgage[10:52] What to look for in a subject to mortgage—including adjustable rates and balloon payments[11:49] Where to ask questions and get help as you learn creative finance3 Key Takeaways: Creative finance gives you tools to acquire property even when traditional financing says no.Lease options, land trusts, land contracts, and subject to each serve different deal needs—know when and how to use them.Always check your local laws and run your contracts by an attorney to keep things clean, legal, and smart.If you found this episode helpful, we’d love it if you could rate, review, follow, and share the podcast with someone who’s ready to grow their real estate knowledge the smart way.

Hey everyone – it’s Jay here, and in this masterclass episode, I’m pulling back the curtain on everything Annie and I have learned from 20+ years of flipping homes, building rentals, and surviving market shifts. Whether you’re new to real estate investing or ready to level up your game, this session is packed with real-world strategies, creative financing options, and hard-earned lessons (including the time I lost it all and had to start over with joint ventures!).We cover how to craft a personal and business vision, fund your deals with little to no money, find and manage contractors, and scale your business with systems and a strong team. I also break down our deal-finding process, go-to renovation budget hacks, and how we generate multiple streams of income from each flip. If you’re serious about investing and want to build wealth the smart way—this episode is for you.Episode Highlights[0:00] – Building a business on purpose: setting clear 1, 3, and 10-year goals[6:49] – How to get funding even if you’ve got no experience or bad credit[9:27] – Joint ventures saved my career—and how they can start yours[13:42] – Assembling a top-tier investing team (and red flags to watch for)[16:26] – The truth about how many sellers you need to talk to each month[19:50] – Aligning your role to your strengths and outsourcing the rest[22:34] – Why I became obsessed with helping sellers after losing my own home[24:07] – How title companies can help you market—often for free[26:26] – The deal-finding pipeline: MLS, auctions, sheriff sales, land banks & more[28:03] – Why cheap septic inspections can cost you $30K[31:09] – Lead sources that work: SEO, PPC, cold calls, and VA teams[34:15] – Seller script questions that uncover true motivation fast[35:20] – Why getting your real estate license is a cheat code for flippers[37:03] – Avoiding over-renovating: matching finishes to your neighborhood[41:35] – Creative funding breakdowns: using private money, credit cards, and partnerships[46:03] – FHA 203(k) rehab loans: a powerful tool for beginners[48:10] – How to vet and manage contractors for maximum reliability[52:56] – Why you should pay yourself on every deal—and how to do it right[55:13] – Our staging hack that costs $300/month and sells homes fast[57:09] – Collecting powerful testimonials that build massive credibility5 Key TakeawaysCreative financing is everywhere – Joint ventures, private lenders, and even credit cards can fund your first deal if you know how to structure it right.Your contractor can make or break your profit – Always vet thoroughly, set clear expectations, and use bonuses and penalties to drive performance.Vision matters – If you don’t know why you’re investing, you’ll get off track. Set personal and business goals and build a plan around them.Pay yourself – Don’t wait until closing to earn. Build in income from agent commissions, GC fees, or project management.Don’t over-improve – High-end finishes in a basic neighborhood don’t bring ROI. Know your comps and stay market-appropriate.Thanks again for listening! If this episode helped you, go ahead and rate, follow, and review the show. It’s the best way to support what we’re doing—and don’t forget to share it with someone who’s ready to flip their first (or next) house!

In this special episode, we were honored to be guests on Andrew Lucas’s Deal Finders podcast—and it quickly became one of our favorite interviews ever. We opened up about how we got started in real estate over 20 years ago, what gave us the initial push (hint: it started with just one rental), and the real reason we stuck with it even after losing everything. If you’re wondering how to get into real estate investing without a ton of cash—or you’re just feeling stuck—this episode is full of real talk and actionable inspiration.We also share how we creatively financed our first properties, how we’ve scaled to over 50 rentals, and the one strategy we STILL use today to find off-market deals (and it doesn’t cost a dime). Whether you’re a new investor or looking to reignite your momentum, you’re going to get massive value from this conversation.Episode Highlights:[0:00] How we turned our personal home into our first rental[3:00] Facing our fears and realizing real estate was simpler than we thought[5:10] Renting to family and lessons learned from managing our first tenants[7:45] The screening mistakes we made early on and how we fixed them[10:05] Why waiting for perfection will kill your momentum[12:34] The books and resources that helped us find creative financing strategies[14:52] The one question we still use to unlock seller finance deals[18:00] How networking brought us three investment properties[20:07] Building a portfolio with zero marketing dollars[22:00] What our business looks like today with 50+ rentals and a full team[24:30] From bartending and video stores to short-term rentals and coaching[26:30] Our biggest tips for getting started right now[27:34] How we screen tenants today to protect our investments[28:00] What to do when your family doesn’t support your investing dreams3 Key Takeaways:Creative financing isn’t just theory—it’s a tool we used to build a real business without relying on banks.Your network is your first and most powerful deal-finding strategy—use it early and often.You don’t need to know everything to get started. Just take the first step and keep learning as you go.If this episode brought you value, we’d love it if you could rate, review, follow, and share it with someone who could use a little real estate motivation today.

In this episode of The Real Estate Ride, we’re diving into one of the most critical pillars of your real estate success—building your team of A players. Whether you’re wholesaling, flipping, or buying and holding, your business is only as strong as the people you bring into your circle. I’m sharing my step-by-step approach to identifying, recruiting, and working with top-tier attorneys, title companies, contractors, lenders, and virtual assistants—those who will help you close deals smoothly and scale confidently.You’ll also learn the secrets to setting up your deals the right way—like handling escrow, navigating private money loans, and avoiding costly misunderstandings with agents and title companies. If you’ve ever struggled with finding the right people, knowing what to say to a private lender, or just keeping your deals moving forward, this episode is packed with gold.3 Key Takeaways:Build a Team That Works for You – Your business depends on professionals who understand your investment strategy. If they aren’t aligned, it’s okay to move on and find someone who is.Private Money ≠ Cash – Always clarify that private money is a form of financing, not cash. Labeling it incorrectly can cause unnecessary confusion and delay closings.Protect Relationships and Reputation – Every transaction impacts your future in the market. Build a solid reputation by being clear, professional, and easy to work with.Timeline Summary:[0:00] - Introduction[1:22] - Why your team defines your success in real estate[2:31] - The must-have attorneys on your roster—and why one isn’t enough[5:16] - Finding title companies that are wholesale and escrow friendly[9:20] - Why private money ≠ cash and how to communicate that to agents[13:02] - How your reputation with agents can impact future deals[15:00] - Getting free lead lists from attorneys and title companies[16:30] - Why it’s okay to “fire” team members who don’t align[20:21] - The best ways to find investor-friendly realtors[22:32] - What inspections you should never skip (hint: septic systems!)[24:03] - How to use mortgage lenders to qualify lease option buyers[27:45] - Building credibility with private money lenders (even if you’re new)[32:05] - What you can and can’t say when marketing to private lenders[40:37] - Why you need a credibility packet and how to use it[45:22] - Using virtual assistants to free up your time and grow your businessClosing Remarks:Thanks for tuning in to this episode of The Real Estate Ride! If you’re serious about growing your investing business, remember: you don’t need to do it all alone—you just need the right people on your team. If you found this episode helpful, please follow, rate, and leave us a review. And don’t forget to share this with a fellow investor who’s ready to level up.Let me know if you’d like me to adapt this into a short-form version for Apple/Spotify descriptions or a caption for social media.

In this special episode of The Real Estate Ride, the mic gets turned as Julie Houston interviews us on her podcast! We open up about hitting absolute rock bottom—losing our jobs, home, and financial footing—and the journey that followed to rebuild our lives through real estate investing. This episode is a raw, real, and revealing look at how vision, mindset, and creativity helped us reclaim control over our lives and build a business with purpose.From the very first rent check that got us hooked, to how we now help coaching students close deals in 90 days or less, this conversation is packed with practical advice, hard-earned lessons, and a whole lot of heart. We even break down how we teach our kids to invest, why we avoid bank loans, and how $10 was all it took to land a profitable deal. Whether you’re starting out or starting over, you’ll walk away with a renewed sense of what’s possible.Timeline Summary[0:00] - How we stumbled into our first rental and caught the real estate bug[5:30] - Learning creative financing from library books and Robert Allen[8:04] - The lowest point: foreclosure, job loss, and four kids in tow[12:00] - Partnering with a local investor to climb out of crisis[17:00] - Vision and mindset: building a business that serves your life[20:18] - How our daughter bought a rental with no credit or money down[27:00] - Why we teach our kids to invest (and how they now lend money!)[34:05] - Facebook, referrals, and no-yes questions: our top deal-finding tips[35:02] - Our $10 house deal and how we turned it into a cash-flowing rental[38:06] - Paying it forward: how referrals fuel our business and help others5 Key TakeawaysStart with your “why” – Know exactly what you want real estate to do for you before diving in.Mindset is everything – Decide you’re an investor, then take action as if you already are.Creative financing opens doors – You don’t need your own credit, cash, or even a bank to close deals.Mistakes are lessons – Our worst moments became the foundation for a mission-driven business.Teach the next generation – Our kids are now private lenders and investors because we involved them early.Links & ResourcesVision Focused Life – Our Amazon bestselling bookUnicorn Hunting by Neil TimmonsJulie’s coaching & resources: FullerWalletMedia.com/GetYourFirstDealLandGlide: App for driving for dollars – landglide.comIf this episode resonated with you, do us a favor: rate, follow, share, and leave a review for The Real Estate Ride! Your support helps us keep the ride rolling with more real talk and powerful strategies.

In this special episode, we flip the script! Annie and I were featured on The Al Nocletti Show, and we’re bringing the full conversation straight to you. Al invited us to dive deep into one of our favorite real estate topics—creative financing—and we held nothing back. From structuring seller terms and taking over multi-unit properties to converting tired landlords into partners, this episode is a masterclass in creative deal-making.Whether you’re new to real estate or a seasoned investor looking to scale without banks, you’ll get a behind-the-scenes look at how we uncover hidden opportunities, leverage our network, and turn unconventional leads into cash-flowing properties. Plus, we share actionable tips, powerful questions to ask sellers, and how to keep negotiations simple yet effective—even with zero money down.Episode Highlights & Timeline:[0:00] - Introduction[1:46] - Our first taste of rental income and the moment it all clicked[2:27] - Facing financing roadblocks—and how creative strategies changed the game[3:06] - Acquiring two 8-unit buildings through relationship-based deals[4:43] - Transforming under-rented properties and unlocking $250K in equity[8:28] - Two simple, high-impact questions to ask every seller[14:25] - Planning with the end in mind: why we decided to hold, not flip[17:13] - How we got a non-paying tenant back on track—and boosted rent[27:31] - Solving a foundation issue with a no-interest payment plan[30:57] - Turning problem properties into opportunities with lease options[34:56] - Harnessing your network and why Facebook Lives still work[39:12] - Finding overlooked gems in the historic registry[43:00] - Using grants and hard money loans to finance major renovations[47:06] - The hard lessons we learned from rebuilding after Hurricane Ian[52:10] - Keeping deals simple and conversations clear with sellers5 Key Takeaways:Your network is your goldmine – Most of our deals came from people we already knew or had worked with before. Relationships are everything.Always ask: “What other properties do you own?” – This one question opened doors to major opportunities we would’ve missed otherwise.Creative financing isn’t complicated—just keep it simple – Confused sellers say no. Speak in plain language and build trust.You don’t need $75K to do big deals – If your deal makes sense, the money will follow. Leverage private lenders or partners.Go where others aren’t looking – The historic registry, word-of-mouth, and even sticky notes can lead to deals most investors never see.If this episode inspired you or gave you some fresh ideas, be sure to follow, rate, and review the podcast—and share it with a friend who needs to hear this. Your support helps us keep sharing real stories and real strategies!

In this special episode of The Real Estate Ride, Annie and I had the pleasure of joining Andrew Lucas on the REI Deal Finders podcast to share our full real estate story — from humble beginnings to building a diverse portfolio of over 50 rental units. We reveal how a need for more space led to our first rental property, how creative financing and an old-school library hack helped us scale, and the mindset shifts that kept us moving forward even when the bank said “no.”We also pull back the curtain on the operations behind our business today, including our short-term rental strategy, how we’ve grown a self-sufficient construction team, and why helping people is still at the heart of everything we do. Whether you’re new to investing or ready to expand, this episode is loaded with real-life wisdom, practical tips, and a few fun throwbacks to how we got started.Timeline Summary[0:00] - How an overcrowded house sparked our real estate journey[2:45] - Realizing real estate wasn’t as scary as it seemed[5:07] - Why we decided to rent instead of sell our first home[10:34] - The library hack that unlocked creative financing strategies[14:38] - Our first lease option deals — and how we asked for them[17:07] - How networking brought us our first off-market properties[21:07] - The marketing tactic we still use today (and it’s free)[22:25] - What our real estate business looks like now, 20+ years later[25:43] - Why helping sellers shaped our growth and reputation[26:31] - The best advice we’d give ourselves if we were starting today5 Key TakeawaysStart with what you have – Our journey began by renting out the home we already owned. You don’t need everything figured out to get started.When the bank says no, get creative – A trip to the library introduced us to lease options and creative deal structures that didn’t rely on bank approval.Network intentionally – Our first real investment deals came from friends and acquaintances once we started telling people what we were looking for.Keep it simple – We still find deals today just by asking, “Do you know anyone selling a house?” on social media. No fancy marketing needed.Real estate is a people business – At every stage, focusing on how we can help others has opened more doors than any strategy alone.If you got value from this episode, be sure to rate, follow, and review The Real Estate Ride. Share it with someone who’s thinking about getting started — or who just needs a little nudge to keep going. Thanks for riding along with us!

Hey, it’s Annie and Jay, and in this episode of The Real Estate Ride, we’re diving deep into one of our most unique and rewarding projects—a burned property we picked up from a wholesaler. We walk you through every gritty detail, from discovering the fire damage to navigating structural surprises, all the way to our final design and staging choices. If you’ve ever wondered whether a severely damaged home could become a profitable flip, this one’s for you.We cover why we pursue the kinds of properties most investors avoid—think mold, foundation issues, and in this case, fire. Plus, we’re sharing the strategies we used to stay within budget, the rehab decisions that made the biggest impact, and how we’re using design tools and staging tricks to finish strong and sell fast. Whether you’re a seasoned flipper or just getting started, you’ll pick up real-world insights that can boost your next deal.Episode Timeline:[0:28] - Introduction[0:28] - How we found the deal through a wholesaler and why burned properties don’t scare us[1:16] - The extent of the fire damage and what parts we were able to salvage[2:27] - Why most investors shy away from projects like this—and why we don’t[3:23] - Using smoke sealants and keeping mechanicals in place to save costs[5:09] - Discovering hidden structural issues and how we adjusted on the fly[6:38] - Budget cuts: repurposing cabinets and creative cost-saving measures[8:03] - Crunch time! Ramping up crews and hitting the market deadline[10:22] - Miscommunications, surprises, and adjusting the design plan[12:04] - How we use House Pro and other tools to streamline the design process[16:24] - Why we chose this property and how it fits into our first-time homebuyer strategy[18:46] - The role of staging in selling quickly and affordably[24:12] - Landscaping and exterior prep that saves time and money[25:25] - Final thoughts and updates on this high-pressure flip3 Key TakeawaysDistressed properties can be goldmines when you understand how to manage the rehab and budget smartly.Preparation and flexibility are crucial—from sealing smoke damage to adjusting for unexpected structural fixes.Staging and design planning make a difference in both marketability and sale price, even when using repurposed or budget-friendly materials.If you enjoyed this episode, please take a moment to rate, follow, share, and review The Real Estate Ride. Your support keeps us going and helps others discover the show.

Hey everyone, it’s Jay here! In today’s episode, Annie and I take a deep dive into why wholesalers are vanishing from the market and what that means for investors who are still in the game. We break down how shifting market conditions — from skyrocketing interest rates and longer days on market to layoffs and inflation — are shaking up the flipping and wholesaling world. We share how to pivot to creative financing, like lease options and seller terms, to keep deals flowing.We also discuss the hottest price bands to target, how to educate sellers who still expect peak prices, and what to watch out for when pulling comps in a cooling market. Plus, we chat about opportunities with hedge funds, tricks for building your cash buyer list, and why adding value through simple upgrades like extra baths or bedrooms can make all the difference. If you’re worried about staying afloat in a shifting market, this conversation is packed with practical tips to keep you ahead of the curve.Timeline Summary[0:00] – Opportunity in empty rooms: Why fewer wholesalers mean more chances for you.[2:12] – Flippers struggling: 140+ days on market and deals barely breaking even.[3:43] – Lease options 101: How longer lease terms can protect your investment.[5:16] – Where the deals are: Zeroing in on first-time buyer price points.[10:25] – Loan payment pitfalls: How big loans can drain your profits if the market slows.[16:14] – The comp game: Why you must pull comps from the last 90 days or risk overpaying.[17:36] – Educating sellers: Talking layoffs, tariffs, and rising costs to get realistic prices.[20:44] – Offering terms: How to get deals accepted even when cash offers fail.[35:12] – Hedge fund buyers: How to find and build relationships with institutional buyers.[36:15] – Sheriff’s sales: An overlooked way to grow your cash buyer list.5 Key Takeaways✅ The market shift is your opportunity: When wholesalers and flippers retreat, it’s time to move in — if you’re ready with the right strategy.✅ Lease options are a powerful tool: Offering sellers lease options can save your deals when traditional sales stall.✅ First-time buyer price points are gold: Stay in or just below your market’s median price — that’s where demand will stay strongest.✅ Shorten your comp window: Only look 90 days back for comps to stay ahead of a falling market.✅ Build your buyer network now: Focus on hedge funds, sheriff sales, and active cash buyers to ensure you have outlets for your deals.Closing ThoughtsThanks so much for listening to The Real Estate Ride! If you found today’s episode helpful, please rate, follow, and review the show — and share it with someone who’d benefit. Your support helps us keep bringing you the insights you need to crush it in real estate. See you on the next ride!

In this episode of The Real Estate Ride, we dive into the gritty realities of working with contractors in the real estate world. From navigating the maze of hiring reliable professionals to managing unexpected project hurdles, Jay and I share our firsthand experiences and hard-earned lessons. We talk candidly about the journey that led us to start our own construction company, why planning is crucial, and how to avoid common pitfalls whether you’re flipping your first home or managing multiple properties.We also explore what it really takes to maintain control over your projects, including creating working interviews for new hires, understanding local permit requirements, and mastering change orders. Whether you’re a seasoned investor or just getting started, this episode is packed with practical advice and cautionary tales to keep your investments on track and on budget.Key TakeawaysHave a Clear Plan Before You Start – Know what you want, document it, and communicate it clearly to avoid missteps and unexpected expenses.Vet Your Contractors Thoroughly – Ask for referrals, set expectations early, and consider working interviews to gauge skills before handing over projects.Local Rules Matter – Understand your city or county’s licensing and permitting requirements to stay compliant and avoid costly mistakes.Timeline Summary[0:00] - Why every investor needs a plan before hiring a contractor[2:27] - Our motivation for launching a construction company[5:03] - The importance of change orders and clear communication[6:22] - Growing our construction team and the challenges that came with it[7:16] - Teaching our daughter real estate by flipping a house for her first car[9:20] - Tips for coordinating multiple contractor bids in a tight schedule[10:05] - A shocking price range example from a Florida roof replacement[11:05] - What to expect when paying contractors and protecting your investment[12:39] - How we train and test contractors with a hands-on working interview[13:10] - Knowing your city’s permit rules and licensing requirements[15:30] - Why defining your renovation plan adds value and saves money[18:24] - Small planning details that could cost big money if overlooked[22:22] - Final thoughts on due diligence and sticking to your planLinks & ResourcesConnect with us: [email protected] | [email protected] this episode?Be sure to rate, follow, and review The Real Estate Ride on your favorite podcast platform. Share it with a friend who’s navigating the world of real estate—we’re all in this ride together!

In this episode, Jay and I dive deep into how we set intentional, actionable goals for our personal lives and businesses—and how you can do the same. We’re not about vague resolutions that fizzle out by February. We’re talking about creating a vision with real, measurable steps and accountability to actually get things done.Whether you’re balancing business with family, trying to rediscover your purpose, or looking to reframe your mindset to “How can I?” instead of “I can’t,” this episode will inspire and challenge you. We share insights from our own lives—including flipping houses, building lifestyle-driven businesses, and helping our daughter buy a car with her own real estate deal! Plus, we introduce our “Wheel of Life” framework to help you evaluate and align every area of your life with your vision.Episode Timeline:[0:00] – Introduction[1:27] – Why we avoid resolutions and set measurable goals instead[2:30] – Using accountability groups and coaching to stay on track[5:41] – Building flexibility into your business and life[9:20] – Flipping your mindset from “I can’t” to “How can I?”[12:05] – Teaching our daughter how to flip a house to buy her first car[14:17] – Why manifestation requires work, not just intention[18:20] – A coaching story: how cutting Starbucks led to quitting a job[21:21] – Why we turned down big real estate deals for a balanced lifestyle[23:12] – The 8 key life categories in our Wheel of Life[30:03] – Turning spiritual habits into daily rituals[33:15] – From running half a mile to an Ironman: Jay’s fitness journey[36:08] – Mike shares his health journey and ditching bread & dairy[44:13] – Goal stacking: combining family time with wellness habits[47:43] – Money, business, and how to align income with your values5 Key Takeaways:Vision beats resolution – Resolutions often fail, but a clear, actionable vision sets the foundation for sustainable success.Accountability accelerates growth – Sharing goals with a group or coach creates real momentum and follow-through.Flexibility is freedom – Building a lifestyle-focused business means you can show up for your family and your goals.Mindset matters – Replacing “I can’t” with “How can I?” opens new paths and possibilities.Goals require strategy – Big goals need micro-steps, measurable waypoints, and intentional planning to become reality.Enjoyed this episode?Be sure to follow, rate, and review The Real Estate Ride! Share it with a friend who needs a little extra push to make their vision a reality this year.

In this episode of The Real Estate Ride, Annie and I dive into the essential foundations of creative financing. If you’ve ever been confused by terms like “lease option,” “land trust,” or “subject to,” you’re not alone—and this conversation is here to bring clarity. We break down these powerful strategies, share our personal experiences using them, and offer practical tips for getting started the right way.Whether you’re a real estate newbie or brushing up on your investing toolkit, this episode will help you understand the legal ins and outs, common pitfalls, and the real opportunities that creative financing offers. Tune in to hear how we structure deals, protect ourselves legally, and tailor each approach to meet different seller and market needs.Timeline Summary[0:00] - Introduction[1:10] - Defining lease options and why they’re a powerful entry point in creative financing[2:56] - Legal changes around sandwich leases and how we’ve adapted[4:30] - Using lease options for rentals and Airbnbs[5:00] - Understanding land trusts and the benefits of shared ownership[6:43] - Gaining control through trustee roles and trust structure[8:15] - Explaining land contracts and how they work as contracts for deed[10:04] - Using land contracts to avoid large down payments[10:21] - What “subject to” financing means and when to use it[11:26] - Quick overview and how we’ll explore each method further in the course5 Key TakeawaysLease options give you control without ownership, allowing flexible terms and early cash flow opportunities.Sandwich lease options are no longer legal in some states—always confirm your local laws.Land trusts enable shared control and privacy, making it easier to structure creative partnerships.Land contracts (or contracts for deed) offer a pathway to ownership without hefty down payments.Subject to financing allows you to take over properties with existing mortgages—just be sure to understand the risks and terms.If you enjoyed this episode, be sure to rate, follow, and leave a review. Don’t forget to share it with someone you know who’s looking to build wealth through real estate. We’ll see you in the next one!

In this episode of The Real Estate Ride, we dive into the real talk behind real estate partnerships—why they’re so common, how they can go wrong, and what you absolutely must have in place to protect yourself and your investments. Whether you’re teaming up with lifelong friends, family, or new business associates, having a rock-solid agreement is key to keeping both the peace and your profits.Jay and I (Annie) share our personal experiences—the good, the bad, and the legally ugly—to highlight just how crucial it is to outline responsibilities, profit splits, exit strategies, and communication methods from the very beginning. From joint venture setups to full-blown LLC partnerships, we walk through real-life examples and practical tips to help you structure your deals for long-term success.Episode Timeline & Highlights[0:00] - Why trusting your partner isn’t enough when money’s on the line[1:12] - The real reasons people partner in real estate—and why fear plays a big part[2:17] - Types of partnerships: Joint ventures vs. LLCs[4:06] - How to fairly divide roles, risks, and profits in JV agreements[6:44] - Structuring rehab draws and payment phases with accountability[7:57] - Big benefits of JV deals: no credit, fast funding, multiple flips[10:41] - Watch out: when one partner does all the work but only gets half the profit[12:08] - Why roles & responsibilities reviews can save your partnership[13:36] - Vision exercises and personality tests—essential before you start[15:28] - Don’t skip your “separation plan” aka real estate prenup[20:34] - Jay’s horror story: how a trusted partner stole a property[22:25] - The legal and clean way to dissolve a partnership5 Key TakeawaysEven long-term friends need contracts – Relationships don’t protect you from partnership fallout. Legal documents do.Joint ventures can be great for beginners – Especially if you’re working with cash partners who want hands-off involvement.Lay out every responsibility and timeline – From who pays holding costs to how rehab funds are drawn and released.Have a vision alignment conversation – Do this before jumping into business. Misaligned goals are a recipe for trouble.Always include a clear exit strategy – Know what happens if one of you wants out. Define the process up front.Links & ResourcesDISC Personality Test (Tony Robbins): https://www.tonyrobbins.com/disc/Predictive Index info: https://www.predictiveindex.com/If this episode gave you some serious “aha” moments, help us out by rating, following, and sharing The Real Estate Ride! Your reviews mean the world to us and help more real estate pros find this show.

Hey, it’s Jay and Annie here, and in this episode of The Real Estate Ride, we dive deep into the evolving world of house hacking—what we’re calling “House Hacking 2.0.” With housing prices and interest rates reaching new heights, creative solutions are more essential than ever. We’re sharing innovative strategies for maximizing your property’s earning potential, including the rise of ADUs (Accessory Dwelling Units), room rentals, and even boarding house setups.You’ll hear real-world stories from our coaching clients who are successfully living for free—or even profiting—by renting out parts of their homes. We’ll also break down what to watch out for, from zoning regulations to managing utilities, and offer guidance on getting started with little or no money down. Whether you’re new to real estate or looking to optimize your current property, this episode is packed with insights to help you rethink your living space as a wealth-building tool.Timeline Summary:[0:00] - Why ADUs are the future of house hacking[2:54] - Renting to traveling healthcare professionals via Furnished Finder[4:01] - Real-life case studies: room rentals and converting a home into a boarding house[6:22] - The responsibilities and expenses of managing a room-by-room rental[10:09] - The “starter pack” approach to Airbnb amenities[11:26] - How buying multifamily units can let you live rent-free[13:02] - Zoning restrictions and why checking local regulations is critical[14:07] - Using grants and low-down-payment loans to buy investment properties[17:31] - Creative financing strategies: lease options, land contracts, and subject-to deals[22:26] - Zoning variances and how to navigate approvals for ADUs and conversions5 Key Takeaways:ADUs are on the rise – Converting garages, basements, or sheds into livable rental spaces offers a low-risk, high-reward way to house hack.Short and mid-term rentals – Platforms like Furnished Finder cater specifically to traveling professionals and can generate steady income with more control over your tenant selection.House hacking isn’t just for the young – From young adults to families, creative strategies like room rentals and owner financing are being used across generations.Check your zoning laws – Always confirm what’s allowed in your area before investing in ADUs or multifamily properties. A missed regulation could double your rehab costs.Creative financing options exist – You don’t always need a bank. Strategies like seller financing, lease options, and subject-to deals can make owning property more accessible.Closing Note:If this episode gave you some fresh ideas or helped you see your property in a new light, do us a favor—rate, follow, and review the podcast! And don’t forget to share it with someone who’s ready to make their home start working for them. See you next time on The Real Estate Ride!

In this episode of The Real Estate Ride, we dive into a transformative conversation about the power of creating a clear, compelling vision for your life. Annie and Jay pull back the curtain on how they crafted their personal vision—from working 80-hour weeks to living a life with balance, purpose, and freedom. If you’ve ever felt stuck or unclear about your next steps, this episode will help you start building a blueprint for the life you truly want.We unpack how to use the “Wheel of Life” to assess where you are and where you want to go, and how to turn dreams into actionable goals. We also share personal stories, real-life setbacks, and the mindset shifts that made it all possible. Whether you’re new to vision planning or ready to update yours, this episode offers practical tools and inspiration to help you live intentionally and on purpose.Timeline Summary[0:00] - Introduction[2:27] - Exploring the staggering stat that 83% of people don’t set goals—and why writing them down is a game changer[5:00] - How Oprah Winfrey uses vision boards and neuroscience to manifest her goals[8:05] - Annie and Jay share their journey from burnout to balance, living their original vision of 25-hour workweeks and five weeks of vacation[14:44] - Understanding and using the “Wheel of Life” to evaluate the key areas of your life[20:18] - Real talk: why you shouldn’t limit your vision by current circumstances like money or time[25:09] - The power of public accountability and how it helped Annie transform her health and fitness[33:40] - Why you should remove filters like job schedules and income limits when designing your ideal calendar[41:12] - Goal stacking: how to blend life goals for maximum impact and fulfillment[45:32] - Writing your vision in the present tense and tapping into your emotional “why”[52:12] - Breaking down big dreams into weekly actionable tasks for long-term success5 Key TakeawaysWrite It Down: You’re 30 times more likely to succeed when your goals are written and reviewed regularly.Think Without Limits: Create your vision without financial, time, or current reality constraints—your only limit is your mindset.Use the Wheel of Life: A powerful tool to assess and improve all areas of your life, from health to personal growth.Build Accountability: Sharing your vision with coaches or peers dramatically boosts your follow-through and success.Action Triggers Progress: Break down your vision into small, specific weekly actions to steadily move toward your goals.Links & ResourcesContact: [email protected] | [email protected] Mentioned: Wheel of Life assessment, Calendar Exercise, Vision Writing TemplatesIf this episode resonated with you, don’t forget to rate, follow, and review The Real Estate Ride. Share it with someone who’s ready to start living with purpose. Let’s build your dream life—together.

Hey there, it’s Jay and Annie! In today’s episode of The Real Estate Ride, we’re diving deep into the many creative and practical ways you can fund both the purchase and rehab of your investment properties. Whether you’re a seasoned investor or just getting started, understanding your financing options is crucial to scaling your real estate business — and keeping more of your own money in your pocket.We’re sharing everything from private money strategies and 401(k) rollovers to HELOCs, partnerships, and hard money lenders. We talk about real-life examples, mistakes we’ve made, and the smarter methods we use now that we wish we knew when we started. If you’ve ever wondered how to get into a deal with zero of your own cash or how to structure win-win terms with a lender, this episode is packed with actionable insights.Key Takeaways:Traditional banks are often not the most efficient or cost-effective way to fund investment properties — explore private lenders and alternative options.You can leverage retirement accounts, life insurance policies, and equity in your home or others’ to fund real estate deals creatively.Vetting your lender thoroughly can save your deal — a reliable lender can make or break your transaction timeline and credibility.Episode Highlights & Timeline[0:00] - Introduction[1:14] - Why we rarely use traditional banks anymore[3:06] - Cash is king — but it doesn’t always have to be your cash[4:25] - Using old 401(k)s and self-directed retirement accounts for funding[7:39] - Leveraging whole life insurance policies for real estate investing[10:02] - Understanding and using HELOCs creatively and safely[14:44] - The power of partnerships and joint ventures when you have no capital[18:29] - What to look for in a trustworthy hard money lender[21:06] - Typical loan terms, down payments, and interest rates across lenders[23:00] - Traditional banks: when they make sense and when to avoid themLinks & ResourcesQuest IRA (Texas-based)Kingdom Trust (based in Wyoming/Kentucky)Hard money lenders mentioned: Wildcat Lending, Fund That Flip, RCN CapitalIf you enjoyed this episode, be sure to rate, follow, and leave a review — and don’t forget to share it with someone who’s ready to take the leap into real estate investing. Catch you in the next episode, and as always, happy house hunting!

In this episode of The Real Estate Ride, I walk you through the ins and outs of a live owner finance deal where I acquired a property with none of my own money. We dive deep into the numbers, from rehab costs to rental income, and explore two strategies for working with investors or using loans to fund deals. Whether you’re an experienced investor or just dipping your toes into creative financing, this episode gives you a clear, real-world example of how to make a deal work — even when you’re short on cash.We also touch on an inspiring tenant success story, and I share insights into why owner financing is one of my favorite tools in real estate. You’ll walk away with practical strategies you can apply to your own deals, plus the motivation to get moving on your next project.Episode Highlights: [0:00] - How I bought a property with zero money down[1:46] - Breaking down a 15% investor return and profit split[2:59] - Purchase price, rehab estimates, and making it rent-ready[8:03] - A fast lease-up story and helping a tenant in need[10:52] - Why tax season is prime time for lease-option deals[14:00] - Creative ways to reduce rehab costs through partnerships[18:00] - The pros and cons of different flooring choices for rentals[26:04] - Calculating a 30%+ annual return on investment[32:04] - Partnering vs. borrowing: choosing the right funding approach[35:00] - Why I love owner financing over traditional bank loans[36:04] - Next steps for lining up funding and contractors5 Key TakeawaysYou can buy real estate with none of your own money — if you’re willing to be creative with financing.A well-structured owner finance deal can deliver over 30% annual ROI.Tax season is the perfect time to lock in lease-option deals, thanks to buyers with cash in hand.Partnering with contractors or tradespeople can dramatically cut your rehab costs.Choosing between a partner and a lender depends on whether you want to split profits or keep the full upside.If you enjoyed this episode, please rate, follow, and review the podcast. Share it with someone you know who’s ready to start or scale their investing journey. Your support helps us keep bringing you real-life deal breakdowns and actionable strategies!

In this solo episode of The Real Estate Ride, I’m flying solo while Jay’s out with a migraine. I take the mic to talk candidly about the reality of being a woman in the construction and house-flipping business. This field isn’t traditionally a female-dominated one—and trust me, that shows up in a thousand little ways, from subtle undermining to outright dismissal. But after more than a decade in the industry, I’ve learned how to stand my ground, own my space, and lead with both knowledge and grit.I’m sharing personal stories and hard-earned insights on how women can thrive in construction, rehab, and real estate investment. From navigating contractor conversations to leveraging tools like the DISC and Predictive Index for smarter team-building, this episode is a must-listen for anyone forging their own path in a challenging space. Whether you’re just starting out or feeling stuck, you’ll walk away with renewed confidence and clarity.Timeline Summary:[0:00] - Introduction[0:59] - Why the construction and flipping space still isn’t welcoming to women—and how I handle it.[2:47] - My hands-on experience and why it’s crucial to know your stuff.[4:05] - How attention to detail and multitasking give women a natural edge in the business.[6:18] - Advice to women entering or growing in the real estate and contracting world.[7:22] - Finding your “unique genius” and aligning your role with your strengths.[8:08] - The DISC and Predictive Index: two tools that changed how we hire and delegate.[10:12] - Setting boundaries, leading with authority, and being respected as a woman in charge.Links & Resources:DISC Personality Assessment – Tony RobbinsThe Predictive IndexIf this episode hit home, take a second to rate, follow, and review The Real Estate Ride. It helps us keep bringing you the real talk and real tools you need to thrive in this business. And don’t forget to share this one with a woman you know who’s building her empire, one project at a time.

In this episode of The Real Estate Ride, we dive into the real, boots-on-the-ground strategies that are helping investors connect directly with sellers in today’s shifting market. Whether it’s through organic outreach on Facebook, door knocking, or driving for dollars, I share actionable ways to make your approach stand out—and actually start conversations that lead to deals.We also explore the challenges of the current real estate climate, including low housing inventory, rising interest rates, and the Section 8 housing program that’s leaving landlords and tenants equally frustrated. We unpack creative financing options, what it takes to get permits for home renovations, and how mindset and adaptability play a huge role in long-term success.Episode Highlights:[0:00] - Introduction[0:17] - Finding sellers using Facebook groups, skip tracing, and direct outreach[1:29] - Writing personal, inviting messages that resonate with homeowners[2:46] - Storm damage and how it impacts the construction business[3:08] - Why homeowners are reluctant to sell in a high-interest rate market[4:17] - Lack of new housing developments and what it means for inventory[5:50] - The rise of “affordable” housing projects and the real cost behind them[8:25] - Breaking down the chaos in Columbus’s Section 8 program[14:12] - A case study: managing delays and tenant transitions between properties[20:40] - Social media marketing tactics that actually get attention[23:42] - Buying fire-damaged properties when no one else will[26:00] - The risks and realities of door knocking today[30:07] - Text blast strategies and starting the conversation[31:02] - Creative financing and owner-carry deals in a tight lending market[34:13] - Planning and budgeting a home office addition[39:02] - Navigating permits and working with local city guidelines[43:03] - Business credit, funding delays, and how to be financially ready[49:00] - Legal insights on how landlords can navigate Section 8 obligations[57:14] - A personal story of faith, resilience, and financial recovery through recession5 Key Takeaways: Relationships matter more than credentials. Approaching sellers as a family or small team is often more effective than leading with your resume.Facebook still works. Organic social posts can bring in more leads than expensive marketing campaigns—if you know how to play the algorithm.The Section 8 system is broken. Understand the risks and delays involved before relying on it for consistent cash flow.Creative financing is making a comeback. From short sales to owner-financed deals, flexibility is key in today’s environment.Build with purpose. When expanding your home or adding value to a property, know your local permitting process and budget realistically to avoid delays.Thanks for tuning in to The Real Estate Ride! If you enjoyed this episode, please rate and follow the show, and share it with a fellow investor or friend. Your support helps us keep the conversations real and valuable.

In this episode of The Real Estate Ride, we take you behind the scenes of one of the most powerful and transformational exercises we’ve ever done—writing your personal and business vision. This practice, which we first embraced five years ago through a coaching mastermind, completely shifted the way we approached our lives and careers. It’s not about setting ordinary goals—it’s about crafting a vision so clear and compelling that it becomes the filter through which every decision flows.We break down the “why” and “how” behind creating a living, breathing document that evolves with you. You’ll hear our personal experiences of writing seemingly impossible goals that later became reality, and we’ll guide you through the categories to focus on, from spirituality and personal development to career, fun, and family. Whether you’re starting fresh or refining your path, this is your invitation to think bigger and live with intention.Episode Highlights:[0:00] - The life-changing impact of writing a personal vision[2:24] - Why vision must come before goal-setting[5:01] - Creating both personal and business visions for alignment[7:14] - Using your written vision to stay grounded through tough times[10:42] - Daily visibility: Where and how to keep your vision front and center[12:23] - Morning routines that reinforce your vision and affirmations[18:04] - Why your sacred morning time should be distraction-free[23:13] - Thinking without limits—writing your vision without constraints[26:01] - The eight life categories to include in your vision5 Key Takeaways:Your vision should be limitless – When writing your vision, remove all constraints like time or money and dream as if nothing is holding you back.It’s a living document – Your vision will evolve as you grow, so treat it as a dynamic part of your life, not a one-and-done task.Clarity leads to alignment – A clear vision helps you say “yes” and “no” more easily in both your personal life and business.Visibility matters – Keep your vision front and center—on your mirror, your desk, your phone—to stay connected to it daily.Start with personal, then business – Your personal vision lays the foundation; when that’s solid, your business vision will follow more naturally.If this episode sparked a new level of clarity for you, we’d love it if you followed, rated, and reviewed the show. And don’t forget to share it with someone who’s ready to rewrite their own vision!

In this episode of The Real Estate Ride, I break down a deal that looked promising on the surface—but quickly unraveled when we took a deeper dive into the numbers, comps, and financing terms. This is a must-listen if you’re in the early stages of flipping or still learning how to properly analyze a property.We dig into a Cincinnati property where assumptions about the ARV and comparable sales led to flawed expectations and a denied private money loan. I show you how to use PropStream to uncover the real story, how to determine whether comps are valid, and why one misplaced financing term on your contract can cost you both money and legal protection. If you’ve ever wondered how to avoid getting burned on your first (or next) flip, this is your blueprint.Timeline Summary[0:00] - Introduction[0:51] - The importance of including financing contingencies in contracts[1:13] - Overview of a Cincinnati deal lenders passed on and why[2:25] - Using PropStream effectively when you don’t have MLS access[3:05] - Evaluating PropStream’s valuation against agent insights[4:21] - How closing and holding costs can quietly kill your profits[5:30] - The danger of relying on optimistic resale values[6:20] - How an appraiser dropped value by $8,000 despite multiple offers[7:18] - Disputing appraisals: what works, what doesn’t[8:20] - Expired comps, off-market listings, and misleading analysis[10:29] - How to use PropStream to filter true comparables[11:11] - Why you can’t depend solely on your Realtor’s advice[12:00] - How using the term “cash” in a contract can become a legal liability[14:08] - Consequences of misrepresenting loan terms on purchase offers[16:41] - Why property type and structure must match in your comps[17:11] - The one valid comp and what it reveals about real value[18:24] - Inconsistent values across neighborhoods and why it matters[20:09] - How to read heat maps of sales activity to gauge stability[21:58] - The difference in value between ranch and multi-story homes[23:17] - Seller markups and minimal rehabs that don’t add up[24:02] - Spotting emotional decision-making in bad deals[25:01] - Final advice: Don’t let this be your first flipKey TakeawaysRun Your Own Numbers, AlwaysNever rely solely on what a Realtor or wholesaler tells you. Use tools like PropStream to verify comps, value, and neighborhood trends for yourself.Contracts Must Reflect RealityIf you’re using private money, your contract should say so. Mislabeling a loan as “cash” can not only cost you earnest money but open you up to legal risk.Thin Margins Are Not Worth the GambleEven small holding costs and appraisal gaps can wipe out your profits. If your numbers only work in a best-case scenario, it’s not a deal—it’s a liability.If this episode gave you a clearer lens on how to evaluate deals and avoid costly mistakes, take a second to rate, follow, and share The Real Estate Ride. Every review helps us support more investors making smart, informed decisions.

In this episode of The Real Estate Ride, I finally sit down with Chad Kusner, founder of Credit Repair Resources. We unpack everything from the misunderstood world of credit scoring to what actually works in credit repair—and why so many people get it wrong. Chad pulls back the curtain on how his team gets real results while staying fully compliant with both state and federal regulations.We dig into why your credit score might drop when you pay off a debt, the dangers of identity theft (and why most people don’t even know they’ve been compromised), and the evolving scoring models that could reshape lending as we know it. Whether you’re a real estate investor, agent, or just someone trying to level up your financial game, this episode will give you a totally new perspective on credit.Episode Highlights:[0:00] - Introduction[1:02] - Chad’s personal credit story and the “aha” moment that launched his credit repair business[4:52] - The credit score confusion: free consumer sites vs. mortgage scores[6:48] - How a consumer litigator helped him clean up his report—and why follow-through matters[9:04] - Why referrals are the lifeblood of his business and how that helps ensure better results[10:28] - The three essential questions Chad asks before taking on a client[14:35] - What separates his service from “big box” credit repair firms like Lexington Law[20:17] - Why credit repair companies that charge upfront are not just shady—they’re illegal[26:50] - The evolution of identity theft: small charges, big impact[31:15] - Understanding UltraFICO and how it’s changing access for consumers with thin files[36:00] - Why paying off collections can temporarily hurt your credit (and what to do instead)[40:00] - The best credit utilization ratio for increasing scores[42:20] - How trended data gives lenders a clearer view of your financial behavior[47:00] - A behind-the-scenes look at Chad’s automated tracking system and partner reporting[51:00] - Why consistent follow-up improves lease-option conversions[54:00] - The power of accountability in the credit repair journey5 Key Takeaways: 1. Credit repair is a team sport – You can’t outsource the work entirely. You’ve got to do your part—especially when it comes to rebuilding with new, positive accounts. 2. Not all credit scores are created equal – Free scores from apps don’t match mortgage lending scores, which can be up to 100 points lower. 3. Paying off collections isn’t always helpful – Especially under Fannie Mae’s current scoring model, paying off debt can actually drop your score in the short term. 4. Monitoring your credit is non-negotiable – With data breaches affecting billions of records, it’s critical to check your credit and financial accounts regularly. 5. Long-term results beat flashy promises – Companies that only dispute one item at a time or make big guarantees often drag out the process to keep you paying.Links & Resources: • Credit Repair Resources: https://www.creditrepairresources.net • Consumer Financial Protection Bureau: https://www.consumerfinance.gov • UltraFICO information: https://www.ficoscore.com/ultrafico • Free annual credit reports: https://www.annualcreditreport.comIf you got value from this episode, be sure to rate, review, follow, and share the podcast. And if you’re working with credit-challenged buyers or thinking about a rent-to-own strategy, you’re going to want this one saved and shared.Let’s ride.

In this episode, we’re pulling back the curtain on one of our favorite real estate deals—how we took control of a single-family property with zero money down and turned it into over $75,000 in profit across six and a half years. From a tired landlord to a win-win land contract, we’re breaking down every step of the process: the acquisition, the strategy, the creative financing, and all the real-life twists along the way.You’ll hear how we secured this property in just three days, navigated foundation issues, used a lease option to generate consistent cash flow, and even refinanced for a tax-free cash out. If you’re serious about building a real estate portfolio through creative deals, this episode will show you what’s possible—even without using your own money.Episode Timeline[0:00] - Introduction[0:35] - The breakdown of profits: $75K+ from a zero-down deal[1:03] - Introducing the case study: 453 Burt Avenue[2:15] - A 3-day, no-marketing, no-money-down acquisition[3:03] - Why traditional buyers couldn’t make the deal work[4:12] - Our goal: no interest, no bank, seller financing[6:09] - The land contract terms: $416/mo, paid off in 9 years[7:17] - Marketing on a $20 budget (and it worked!)[8:02] - Lease-option strategy: increasing rent, building equity[9:11] - From tenant-buyer to Airbnb to a family rental[10:00] - Cash-out refinance: $52K tax-free[11:19] - The bonus upgrades we didn’t pay for (thank you, tenant!)[13:18] - Tools we use: CRM, FreedomSoft, local attorney & title team[14:24] - Why having a construction crew or handyman matters[15:11] - Want our system? We’ll help you set it up!3 Key Takeaways 1. Creative Financing Can Build Serious Wealth: With the right approach, you don’t need bank loans or large amounts of capital to acquire and profit from real estate. 2. Know Your Numbers and Negotiate Smart: Seller-financed deals with no interest can offer massive long-term savings—and faster paths to full ownership. 3. Systems and Support Teams Matter: The right CRM, legal team, and contractors make all the difference when scaling your portfolio efficiently.Links & Resources • Email: [email protected] • Annie: [email protected] • Website: JayAndAnnieAdkins.comIf you enjoyed this episode, don’t forget to rate, follow, review, and share the podcast with a fellow investor or friend who’s ready to take the next step in their real estate journey. We appreciate you being here with us!

Ever had a real estate deal go sideways? In this episode of The Real Estate Ride, we’re pulling back the curtain on the good, the bad, and the downright ugly experiences we’ve had in the industry. From struggling to find reliable contractors to navigating unexpected repair costs, we’re sharing real-life stories and hard-earned lessons from our 20+ years in the business.We also dive into why we started our own construction company and how that decision has helped us take control of our projects. Whether you’re a seasoned investor or just starting out, you’ll learn essential tips for hiring contractors, managing change orders, and making sure your renovation projects stay on track. Plus, we’re sharing some insider strategies for adding value to properties without breaking the bank.Episode Highlights:[0:00] Introduction[1:10] The reality of dealing with contractors – finding reliable help isn’t easy[3:25] Why we started our own construction company (and how it changed everything)[6:50] Teaching our daughter how to flip a house (and the harsh lesson she learned)[9:15] How to get accurate contractor estimates—and why you need more than one[12:30] The importance of having a detailed renovation plan before hiring anyone[14:45] What to ask when interviewing a contractor to avoid costly mistakes[16:20] Understanding change orders and how they can blow your budget[19:10] Key things to check before adding a bathroom or making major renovations[21:45] Why you must verify local permit and licensing requirements before starting work[23:30] How we train contractors in-house to ensure quality work on every project[25:15] The common mistakes homeowners and investors make when hiring contractorsFive Key Takeaways: 1. Always get multiple estimates – Contractor bids can vary widely, sometimes by thousands of dollars. Comparing at least three to five quotes can prevent you from overpaying. 2. Have a clear renovation plan – A well-documented scope of work prevents miscommunication and ensures contractors follow your vision instead of making their own decisions. 3. Check licenses, insurance, and references – Don’t just rely on pictures of past work. Ask for real client references and verify that the contractor is properly insured and qualified. 4. Be prepared for unexpected costs – Change orders happen when hidden issues arise, like termite damage or outdated wiring. Build a contingency fund into your budget. 5. Understand permit requirements – Different cities and counties have different licensing and permit rules. Know what’s required in your area before hiring anyone to do the work.Links & Resources: • Contact us: [email protected] | [email protected] you found this episode helpful, subscribe to the podcast, leave a review, and share it with someone who could use these insights.