The Creative BRRRR Strategies Podcast

The meeting focused on discussing social media platforms for real estate professionals in 2026, specifically comparing Facebook and LinkedIn. Rolando and Yardell agreed that Facebook is currently more active for real estate investor communities due to its group features and real-time deal discussions, while LinkedIn is better for building professional relationships and long-term brand authority.They recommended a combined strategy using both platforms, with Facebook prioritized for lead generation and deal-focused content, and LinkedIn for professional positioning and relationship building. The discussion also covered the importance of video content across platforms, with YouTube noted as a powerful long-term pipeline builder due to its integration with Google search.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website -  https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email -  [email protected] 

The meeting focused on real estate investment strategies, particularly around property renovation and structural issues. Joseph emphasized that profit is realized at the exit, not just at purchase, and discussed the importance of proper execution and scope control. The group explored how structural issues can either be deal killers or opportunities depending on how they're managed, with Joseph advising against deep structural issues for new investors due to uncertainty and risk.Stephanie Jacobson, a commercial broker from upstate New York, shared insights about the local market impact of the Micron semiconductor plant and discussed the importance of thorough home inspections. The conversation also covered the growing impact of good cause eviction laws in New York and other states, which limit a landlord's ability to remove tenants or raise rent without valid reasons.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website -  https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email -  [email protected] 

The Creative Bird Strategy podcast discussed the dynamics between qualified real estate inventory and qualified real estate investors in today's market. The discussion highlighted that while inventory may create opportunities, it's the disciplined investors with proper capital, structure, and execution who consistently win in real estate cycles.Key points included the importance of clean bookkeeping to maintain liability protection across multiple entities, the need for conservative underwriting and multiple exit strategies, and the current market shift favoring cash flow over appreciation given higher interest rates.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website -  https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email -  [email protected] 

Dave Burgio of Trifecta Credit Solutions interviews Joe Scorese to get his insight on the commonalities and differences between the BRRRR method and Fix-and-Flip for potential real estate investing.Contact Dave Burgio====================Email - [email protected] - (610) 646-5727Website - https://www.trifectacreditsolutions.comContact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website -  https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email -  [email protected] 

The meeting focused on the Non-QM Checklist for DSCR and Rehab construction investors, emphasizing the importance of structuring deals correctly to secure financing. Bob Chessick highlighted the need for investors to understand lender requirements and the difference between asset-based and no-rules lending. Felix Cannon discussed the significance of building a reliable team of experts to manage risks and scale operations.Yardell and Joseph announced upcoming changes to the Creative BRRRR Strategies Podcast, including expanding to LinkedIn and incorporating AI video content. They also discussed the current real estate market trends and the importance of structuring deals with discipline and clear exit strategies.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

The meeting focused on real estate market trends, with Joseph and other moderators discussing caution in leverage, DSCR, and rehab construction loans. They highlighted the importance of cash flow, realistic underwriting, and disciplined investment strategies in the current market environment.The group also touched on the impact of global events on real estate, suggesting that while external factors like the recent U.S. action in Iran may cause short-term uncertainty, long-term real estate fundamentals remain strong. The moderators emphasized the need for investors to prepare for market volatility while maintaining a focus on durable strategies.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

The meeting focused on the importance of virtual assistants (VAs) for scaling real estate brands. Joseph Scorese, co-founder of Creative Birth Strategies Podcast, discussed how VAs are not just nice-to-haves but essential for success in 2026. Rolando Salas, Joseph's VA, shared insights on leveraging VAs for marketing, social media, and overall business operations.The panelists, including Yardell Perkins, Melissa King, and others, highlighted the benefits of consistent branding and the role of VAs in maintaining it. The discussion emphasized that VAs are an investment, not an expense, and are crucial for building systems that allow real estate professionals to focus on revenue-generating activities.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Joseph discussed the evolution of DSCR Lending into a more efficient and intelligent platform, emphasizing the importance of leveraging data, technology, and capital structures that align with the needs of modern investors. He highlighted the shift from traditional financing to a performance-based approach, with fewer arbitrary requirements and a financing strategy that scales with performance rather than paperwork.Joseph also touched on the potential for AI appraisals in the near future and the need for accurate deal health diagnostics, concluding that DSCR Lending 2.0 is not just a trend but a new baseline for investor finance that aligns incentives, expands access to capital, and redefines scalable real estate investing in 2026.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

This live episode breaks down the contract language that can save a deal or silently destroy it — from acquisitions and rehabs to assignments and long-term portfolio growth. You’ll learn how to: Spot high-risk clauses before you sign Structure contracts that protect capital and timelines Avoid common legal mistakes investors make Negotiate with more confidence and clarity If you’re flipping, BRRRRing, developing, or scaling a rental portfolio, this is required viewing. Attorney Disclaimer================ The information provided is for general informational purposes only and does not constitute legal advice. No attorney–client relationship is formed by your use of this information. You should not act or rely on any information provided without seeking the advice of a qualified attorney licensed in your jurisdiction regarding your specific situation. Contact Natalie Klyashtorny ======================= Phone | Office - 215.399.1346 Phone | Cell - 215.901.7313 Email - [email protected] Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

From high school math teacher to seasoned real estate investor, Nancy Larcom O’Brien shares her journey into investing and how education-first strategies can help investors avoid expensive mistakes. This episode breaks down how deal analysis, underwriting, and pro forma modeling can be learned safely through simulations, mentorship, and disciplined decision-making instead of risky trial-by-fire investing.What You’ll LearnHow first-time investors can analyze deals with confidenceWhy simulations and financial modeling outperform hype driven investingHow mentorship helps avoid costly early mistakesBuilding clarity before deploying real capitalEducation-focused investing in evolving urban markets like PhiladelphiaNancy has renovated and managed single- and multi-family properties across Philadelphia and now leads Jumpstart Lehigh Valley while co-developing DealBreak, a real estate simulation game designed to help investors practice deal analysis and build pro formas before putting real money on the line.If you’re serious about long-term success, disciplined growth, and smart investing, this is a conversation you don’t want to miss.Contact Nancy Larcom O'Brien==============================Phone - 484.323.6844Email - [email protected] - https://www.JumpstartLehighValley.orgContact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Ground-up construction is no longer just for large developers. In 2026, disciplined investors are realizing:New construction reduces legacy rehab riskModern layouts command premium rents & resaleCleaner capital stacks improve scalabilityBuild-to-rent demand continues to strengthenWe’ll break down:Why Ground-Up is outpacing traditional Fix & FlipWhen BRRRR still works — and when it doesn’tConstruction budgeting & timeline disciplineFinancing structures for new buildsRisk mitigation in today’s lending environmentWhether you’re a seasoned operator or exploring your first project, this session will challenge how you think about growth.Contact Connor Quigley======================== Phone - 609.504.3956Email - [email protected] Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Joseph discussed the profitability differences between short-term rentals (STR), mid-term rentals (MTR), and long-term rentals, highlighting that STRs are more profitable due to nightly rates compared to monthly flat fees. He emphasized the importance of factoring in operating costs like housekeeping, utilities, and furnishing, noting that STRs can have higher costs.Joseph also expressed concerns about market trends, regulatory changes, and the lack of control over lease terms, particularly in the Northeast. He concluded by mentioning financing challenges and opportunities, emphasizing the role of appraisals in deal success.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Joseph hosted a meeting to discuss delinquencies, defaults, and investor positioning in 2026. He shared his thoughts on the new Fed chair and how it might impact interest rates and real estate investing. Joseph emphasized the importance of careful planning and structuring of deals to avoid delinquencies and defaults. He advised investors to focus on cash flow, conservative leverage, and having liquidity buffers. The group discussed various market trends and strategies for real estate investing in the coming years. Joseph encouraged attendees to set high goals and maintain a positive focus on solutions rather than problems.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Melissa Cain, founder of Busy Bee Virtual Solutions, discussed the importance of property management systems and bookkeeping for real estate investors. She emphasized that well-managed information, rather than property management itself, can make or break deals. Felix Buchanan Sr., team leader of the Keller Williams Legacy Team in Baltimore, shared his experience with property management, highlighting the need for thorough tenant screening, efficient communication with owners, and reliable vendors.Both speakers agreed on the importance of proper systems and processes in property management, with Melissa specifically advising investors to interview property management companies carefully, especially for out-of-state investments.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

The meeting focused on comparing BRRRR (Buy, Rehab, Rent, Refinance, Repeat) and flipping strategies for real estate investments in Q1 2026. Participants discussed market conditions, challenges, and opportunities in various regions, emphasizing the importance of local market knowledge, team building, and strategic planning.Key insights included the potential benefits of BRRRR for long-term portfolio resilience, the need for disciplined pricing and cost control in flipping, and the use of AI tools for market analysis and deal structuring. The discussion highlighted the importance of networking, event participation, and collaboration to stay informed and connected in the real estate investment community.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

The meeting focused on build-to-rent construction strategies, discussing market trends, financing options, and the importance of due diligence. Joe Scorese highlighted the current low interest rates and the potential for aggressive BRRR strategies in 2026. He emphasized the need for investors to identify the right borrowers and deals, as well as to assemble a strong power team, including land brokers, architects, and general contractors.Bob Chessick and Bob Warburne shared insights on the differences between modular and stick-built construction, as well as the significance of attending zoning meetings to understand local regulations and market dynamics. Felix Buchanan and Melissa King discussed the importance of thorough due diligence and building a strong local network to succeed in real estate investing. The conversation ended with a reminder of the upcoming changes to the podcast format in March and the importance of persistence and humility in real estate investing.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

The meeting focused on real estate investment strategies, with Joseph emphasizing the importance of making uncomfortable offers to avoid overpaying and discussing his recent property acquisitions in the Jersey Shore area. The group explored regional market differences, particularly comparing Buffalo, Albany, and Rochester, with Joseph noting the high barrier to entry in the Ohio market.Bob Chesisck, president of Chesspin Corporation, shared insights on transitioning rental properties into LLCs to protect assets and potentially reset tax depreciation, while Melissa King highlighted the importance of systematic approaches to real estate investing and discussed plans for future Midwest real estate investor conferences.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Joseph emphasized the importance of timely and transparent communication, suggesting the use of AI tools like ChatGPT to maintain professionalism. He highlighted LinkedIn as a key platform for networking and emphasized the need for better follow-up skills in real estate. Joseph also discussed the distinction between real estate investors and agents, noting that investors focus on cash flow and strategy, while agents prioritize transactions and relationships.Steve shared his experience reorganizing technology and social media systems, emphasizing the importance of a solid foundation and focusing on defining factors as a buyer. He also noted the potential for growth in the real estate industry and the value of leveraging relationships.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

The meeting focused on SEO strategies for real estate professionals in 2026. Linda Playagas from Realty411.com emphasized the importance of consistent content creation, proper keyword tagging, and utilizing social media platforms like LinkedIn, Instagram, and Facebook for SEO. Bob Chesick discussed the challenges of SEO due to a spelling conflict with a Pokémon character and highlighted the importance of LinkedIn for business-related searches.Felix shared insights on using AI tools for follow-ups and maintaining credibility through consistent, high-quality content. The group agreed on the need for a mobile-friendly website and emphasized the shift from traditional SEO to AI-driven search results. Joseph encouraged attendees to take advantage of opportunities for podcast interviews and collaboration to enhance their online presence.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Joseph discussed the shift from fossil fuels to green energy, highlighting California's mandate and the massive investment in utility-scale projects. He emphasized the growing energy demand, particularly for AI, and the strategic importance of land ownership in this transition.Joseph explained the affordability and simplicity of land banking, detailing the minimum investment and the option for full ownership. Linda shared a personal story about the financial success of land investment and emphasized land banking as a stress-free entry into the market. Both Joseph and Linda encouraged attendees to educate themselves on land banking and to consider investing in strategic areas.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Joseph discussed strategies for building an online presence as a real estate influencer, emphasizing the importance of consistency, authenticity, and community engagement. He shared his experience with viral content and the positive impact of motivational posts. Steve expressed the need for help in creating and strategizing content to build a larger online brand. Jeffrey highlighted the value of authentic influencers who share both successes and failures, focusing on problem-solving and motivation in real estate. The discussion also touched on the importance of continuous learning and staying connected with peers in the industry.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

The meeting focused on the Section 8 Loophole in real estate investing, discussing its benefits and challenges for small investors. Joseph, the host, provided an overview of the program's advantages, including guaranteed rents, lower vacancy risk, and longer tenant stays. He emphasized that while most investors are familiar with Section 8, few understand strategic loopholes that can improve returns. The discussion included insights from various panelists, including Brian Guth, Felix, Melissa King, and others, who shared their experiences with Section 8 properties in different markets. The meeting also touched on the future of property management and the potential integration of AI and PropTech in the industry.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

The meeting focused on the importance of project management in real estate investing, particularly for residential rehabs and multifamily properties. Joseph and various panelists discussed the challenges of managing construction projects, including delays, budget overruns, and unexpected issues. They emphasized the need for detailed planning, timelines, and communication with contractors and lenders.The panelists shared their experiences and advice for new investors, highlighting the importance of hiring skilled project managers or using software to track progress. They also discussed the transition from smaller to larger multifamily properties and the need for partnerships when scaling up. The conversation ended with a call for attendees to follow up with moderators and sponsors for further networking and opportunities.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

The meeting focused on real estate wholesaling, discussing key questions investors should ask wholesalers and the importance of due diligence. Experts shared insights on navigating legal requirements, working with title companies, and understanding wholesalers' operations.The discussion highlighted the evolving landscape of wholesaling, including potential changes in 2026, and emphasized the need for wholesalers to adapt and collaborate with other professionals. Upcoming events and opportunities for networking and education were also announced.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Joseph discussed the importance of maintaining oversight of property managers, staying liquid, and conducting thorough audits to ensure business success. He emphasized the need to understand local market conditions, particularly for self-storage and mobile home parks, and highlighted the benefits of remote landlording, including geographic arbitrage and improved cash flow.Joseph also addressed challenges such as maintenance oversight, regulatory compliance, and tenant retention, concluding with a focus on underwriting models, exit strategies, and the importance of a strong vendor network for remote investments.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Fred Binn from ZoomCasa discussed his company's unique business model, which allows homeowners to participate in the value creation of their properties through strategic improvements. He explained that ZoomCasa purchases properties in any condition, pays cash, renovates them, and then sells them, offering sellers 60-80% of the home's appraised value upfront. The company operates in 30 states and has a broad buy box for properties valued between $300,000 and $5 million.Fred emphasized that ZoomCasa works exclusively with agents and lenders, creating a win-win outcome for all parties involved. The discussion highlighted the importance of collaboration between agents, investors, and lenders in today's real estate market, with Joe Scarise sharing insights on the growing trend of agents entering the direct private lending space.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Joseph discussed the importance of working with a reliable home inspector and general contractor for real estate projects, emphasizing the need for detailed cost breakdowns, proper licensing, and insurance. He highlighted the evolving draw process, predicting that virtual inspections and AI verification will streamline operations by the end of the year.Felix shared his experience as a general contractor, stressing the significance of a well-coordinated team, proper planning, and clear communication with lenders and investors. He also shared a cautionary tale about a project gone wrong due to poor contractor selection, underscoring the need for thorough vetting of contractors and understanding of project logistics.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Joseph discussed the importance of personal energy and mindset in real estate strategies, emphasizing that energy is the ultimate currency and mindset fuels momentum. He shared his experience with a new platform that has transformed his business operations and client interactions.Felix Buchanan Jr. highlighted the need for a strong mindset in real estate, emphasizing consistency, discipline, and the ability to pivot when faced with challenges. Joseph and Felix agreed on the significance of focus and discipline in achieving long-term success in real estate. Steven shared his thoughts on the importance of taking breaks when tired and building effective systems to support business growth.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Joseph discussed PadSplit's growth and mission, highlighting its expansion to 26,000 rooms and plans to reach 30,000 by year-end, with a target of 60,000 rooms by 2026. He emphasized PadSplit's unique model, which differs from traditional rentals and short-term models like Airbnb by offering a 31-day commitment at specific properties and a 12-week minimum on the platform, resulting in an average tenant stay of 8.5 months. This approach provides more consistent income for hosts and affordable housing access for tenants, aligning with municipal regulations favoring co-living over short-term rentals.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

The meeting focused on mastering rental property investments, with discussions led by Joseph and various panelists including Amy, Felix, and Steven. Key topics included the importance of understanding numbers in real estate investing, building effective teams, leveraging technology and AI, and adapting to changing tenant preferences. The panelists emphasized that successful investors and agents in 2026 will need to focus on precision, systems, and collaboration rather than just individual deals. They highlighted the growing role of technology, including AI-driven deal flow and smart home technology, while stress the importance of maintaining human connection. The discussion also covered tenant management strategies, the evolving tenant profile, and the benefits of building strong teams and networks.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Joseph discussed lead generation strategies for real estate investors and agents, emphasizing the importance of leveraging data analytics, AI tools, and predictive analytics to identify potential sellers. He highlighted the value of building micro-niche authority, creating niche content, and utilizing platforms like PropStream, Reonomy, and Property Radar.Joseph also stressed the significance of video content, podcasting, and interviews with local business owners to attract leads. He further discussed joint venturing with realtors, hosting seller-focused workshops, and using creative referral ecosystems to expand the lead generation process.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Joseph led a discussion on rental property inspection checklists for real estate investors, covering essential areas to inspect including exterior, interior, kitchen, bathroom, bedrooms, HVAC, and safety features. He outlined the pros and cons of property management versus self-managing rental properties, highlighting that property management offers time savings and professional systems but comes with costs and less control, while self-managing provides cost savings and full control but requires more time and effort. Amy Palvadeaux, a real estate investor with 17 years of experience, was introduced as a tech founder in real estate technology.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Joseph presented a comprehensive business plan framework for real estate agents and investors, outlining key strategies for Q4 2025. For investors, he detailed acquisition targets, underwriting criteria, deal sourcing methods, and financial planning, while for agents he proposed a 12-week execution plan focusing on listings, buyer representation, and lead generation through video content and networking. Amy, chair of the US Prop Council, emphasized the importance of strategic planning in real estate investing, advising listeners to focus on meaningful activities that will move the needle for their business.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Joseph discussed strategies for new and experienced investors in the real estate market. He advised beginners to start with single-family homes if they have sufficient equity and credit score, or consider a small multifamily deal like a 5-6 unit property for commercial loans.Joseph predicted a continued lack of home buying frenzy for the next 12-24 months due to market uncertainty and adjusted prices. He emphasized the importance of education, proper exit strategies, and leveraging technology for property management. Joseph also highlighted the potential of using AI tools, property managers, and loan maturity data to find off-market opportunities.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Joseph discussed strategies for real estate professionals to establish credibility and differentiate themselves in a crowded market. He emphasized the importance of transactional experience, niche specialization, and building trust through transparency. Amy, chairwoman of the US Prop Tech Council, highlighted the role of technology and AI in proving value in the real estate industry. Both speakers agreed on the significance of networking, personal branding, and using platforms like podcasts to gain expertise and credibility.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Joseph discussed the importance of mastering the elevator pitch and branding strategies for real estate professionals, emphasizing the need for a 20-30 second introduction that creates curiosity and interest. He outlined key components of a strong real estate brand, including visual identity, consistent messaging, and clear positioning. Joseph also highlighted the differences between investor and agent brands, noting that an investor brand should be bold and corporate finance-oriented, while an agent brand should be warm and lifestyle-oriented. Amy, a tech founder and long-time real estate investor, agreed with Joseph's points and added that branding and messaging should align with the target customer profile, which needs to be identified before any marketing or pitch development.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

The meeting focused on niche versus mainstream real estate investments, with Joseph discussing challenges and opportunities in niche markets. He highlighted the difficulty of finding lenders and raising capital for niche investments, but noted that once established, these markets can be advantageous.Joseph also shared his experience with a luxury redevelopment project in Austin, which involves filming the entire process and facing unique valuation challenges due to frequent teardowns in the area. The group discussed current interest rate trends, with Joseph predicting rates in the 6s for the end of the year, influenced by potential changes in the bond market. Bob Chesak, a legal expert, advised on the importance of understanding tax implications and market specifics when considering niche versus mainstream investments.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Joseph discusses the growing importance of non-qualified mortgage (NonQM) lending in the real estate investment sector. He explains that NonQM lending provides both short and long-term options outside of Fannie Mae and Freddie Mac, following guidelines rather than strict regulations. Joseph highlights that these loans are typically asset-based, focusing on bank statements, debt service coverage ratios, and appraisals, with credit scores usually starting at 660. He emphasizes that Debt Service Coverage Ratio (DSCR) loans are particularly beneficial, offering faster closings and various options for different property types and investment strategies.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Joseph discussed the importance of raising private capital in 2025, highlighting the need for real estate investors to adapt to tightening bank regulations and higher traditional lending standards. He outlined strategies for building an investor brand, hosting events, and targeting the right capital sources, including accredited investors and family offices.Joseph also provided insights into current market trends, such as the drop in DSCR rates and increased investor sentiment, and emphasized the importance of surrounding oneself with a strong team of experts when raising private capital. Amy, a real estate investor and chair of the US Prop Tech Council, shared her experience in raising private capital and mentioned an upcoming discussion on AI for realtors.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Joseph presented a comprehensive blueprint for real estate investors, covering key aspects such as defining investment strategies, mastering financial fundamentals, building the right team, securing off-market deals, and executing operational excellence. He emphasized the importance of understanding market trends, diversifying income streams, automating work, and protecting the business through proper structuring and insurance.Amy, a long-time real estate investor and technology startup founder, highlighted the importance of a clear exit strategy and adding value in investments.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Joseph discussed the current real estate market, highlighting aggressive buying and competition, particularly from cash buyers. He emphasized the importance of understanding market cycles, financing options, and credit repair for successful investing. Steve Franco shared his experience in the self-storage and multifamily sectors, noting a strong tenant backlog despite recent market uncertainties.Felix Buchanan, a team leader at Keller Williams, expressed optimism about the market's resilience and the potential impact of global events on real estate investing. The group agreed that while external factors like tariffs and inflation may affect the market, their current strategies should remain unchanged unless specific market conditions dictate otherwise.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Joseph discusses the importance of adapting to market shifts for real estate agents and investors in 2025. He suggests that agents should focus on listings, educate clients on creative financing, and become more investor-friendly. For investors, Joseph recommends exploring midterm rentals, targeting tired landlords or pre-foreclosures, and raising private money. He also emphasizes the importance of understanding market trends, leveraging AI and automation, and attending networking events.Brian shares insights on the Rochester market, noting a slight shift towards a buyer's market but with nuances based on property type and listing strategies. Joseph then discusses strong rental markets like Tampa and Indianapolis, as well as markets to avoid such as San Francisco and New York City. He concludes by predicting a gradual increase in real estate inventory for the remainder of 2025, citing factors like stable interest rates and rising distressed properties.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Joseph discussed real estate investment principles, emphasizing the importance of having a clear exit strategy before purchasing a property and building a trusted team. He highlighted the need for continuous education and networking, mentioning his recent article comparing RIA and private networking groups. Joseph also shared his experience with a client who damaged their credit by ignoring advice on unsecured business lines, stressing the importance of playing the long game in real estate investing.Joseph Martella, a tax lien investor and private lender, agreed with these principles, adding that new investors often make mistakes by bidding against homeowners in hot markets and ignoring cash-on-cash returns. Both speakers stressed the importance of due diligence, strategic planning, and building a reliable network in real estate investing.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Joe Scorese and Mike D'Angelo attended the Landlord Expo in Indianapolis, where they met with real estate investors and landlords to discuss asset-based lending and unsecured business lines of credit. Michael noted that many investors, both new and experienced, were not familiar with these financing options, particularly in Indiana. He observed that new investors often faced liquidity issues and were hesitant to use their own funds, while experienced investors were interested in deeper discussions about granular information like refinancing properties. The event provided an opportunity for Joe and Michael to educate attendees about alternative financing options and expand their understanding of asset-based lending.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Joseph discussed the importance of focusing on a specific real estate niche to stand out in a crowded marketplace. He explained how agents and investors can identify their strengths, passions, and local market needs to create a niche that aligns with their interests. Joseph emphasized the benefits of differentiation, efficiency, branding clarity, and referral potential that come with focusing on a specific area.He provided practical advice on how to create and build a niche, including assessing strengths and interests, studying the market, defining the ideal client, and building authority and brand in the chosen niche. Joseph also stressed the importance of intentional networking and leveraging testimonials to grow a referral-based business within 18 months.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Joseph discusses various real estate marketing strategies for both agents and investors. He emphasizes the importance of defining one's brand, knowing the target audience, and maintaining a consistent online presence through websites, social media, and Google Business profiles. Joseph highlights the differences in marketing approaches between real estate agents and investors, noting that agents focus on attracting clients for buying and selling properties, while investors seek profitable deals and distressed properties. He also stresses the importance of email marketing, CRM automation, and leveraging partnerships with local businesses. Joseph encourages listeners to track and optimize their online presence regularly.Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Joseph discusses strategies for multiplying oneself in real estate and building leaders. He suggests refining slogans, developing key team members, and leveraging social media to build a strong brand. Joseph emphasizes the importance of having multiple revenue streams, creating evergreen content, and considering affiliate partnerships. Timothy joins the conversation, adding that knowing one's target audience and overall goals is crucial when marketing a brand, and recommends consulting with marketing experts to improve online visibility. Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Joseph discussed the current state of the real estate market, noting that it has leveled off around 6.8-9% and that commercial rates have remained steady. He also mentioned that construction money has dropped significantly, making it more affordable for investors. Joseph expressed his belief that the Fed and the market are not aligned, and that rates may decrease by another quarter point over the next month.He also highlighted the increasing movement of renters towards the South and Midwest, and the decline in demand for vacation homes. Joseph then shifted the discussion to the use of AI in real estate, stating that investors are leveraging AI to gain a competitive edge over traditional agents, particularly in identifying off-market deals. He emphasized that while traditional agents still have strengths, the real estate investor has adopted AI tools faster and is better equipped to uncover and act on more off-market deals. Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

Jay T. Crosby has been a part of the “Emmanuel Family” since August 2010. As the Director of Sales he is in charge of company production and training. He is proficient in all aspects of Personal, Commercial, Life, Disability, and Long-Term Care Insurance.  His main area of expertise is in Real Estate and Construction.Education: Lehigh University, Bachelor of Science in Business and EconomicsJay T. completed the Construction Risk and Insurance Specialist (CRIS®) certification in November 2020 and continues to hold this designation.Personal: Jay T. continues to be very active as an advisor for his fraternity, Chi Phi.  He is an avid bowler, and loves riding motorcycles, playing poker, and chess. Jay T. also enjoys competition and being a Philadelphia sports fan.Contact Jay===========O: 610 - 279 - 4349, ext. 106D: 484 - 801 - 5244M: 610 - 217 - 9773F: 610 - 279 - [email protected] Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]

The discussion covers various aspects of real estate investment strategies in the current market. Joseph notes that flipping has decreased, with most investors opting for buy-and-hold strategies, even if properties require renovations. The conversation touches on the importance of understanding depreciation, tax implications, and long-term investment plans.Felix Buchanan joins the discussion, emphasizing the importance of knowing the market, evaluating deals thoroughly, and considering various investment strategies such as rent-to-own, multi-unit properties, and working with voucher holders. Both speakers highlight the current market's preference for rental properties over home purchases and discuss the potential of short-term rentals in certain areas. Contact Our Sponsors=================Perkitech - https://perkitech.com/TCS Property Management - https://www.tcsmgt.com/MB Capital Solutions - https://mbcapitalsolutions.com/Joseph @ Park Place - https://www.linkedin.com/in/josephvscorese/Contact Us =========== Main Website - https://creativebrrrrstrategies.com/Podcast Site w/ All Links - https://thecreativebrrrrstrategiespodcast.buzzsprout.com/share/ Email - [email protected]