October 8, 2024 • 55 mins
What if stepping away from a stable corporate job could lead you to financial independence and a lasting legacy? Join us as we chat with Tiffani Ray-Smith, an inspiring real estate investor who made this bold career shift. From our initial meeting on a panel dedicated to top female real estate investors, Tiffani and I bonded over our shared values of prioritizing people over profits. Tiffani shares her journey from her Cincinnati roots, the fears and challenges she faced while transitioning from corporate stability to the dynamic world of real estate, and how she encourages women to embrace entrepreneurial ventures over traditional career paths.
Curious about the realities behind the glamorous facade of real estate investing? Discover the grit and resilience required to succeed. From navigating neighborhoods with paper maps to facing the insecurity of the unknown, Tiffani’s personal anecdotes reveal the perseverance needed in this business. We reflect on the importance of adaptability and the pitfalls of information overload in today’s digital age. Tiffani’s story is a powerful testament to how hard work and determination can pave the way to achieving financial independence.
Shared housing is more than just a trend—it’s a revolutionary approach to real estate with profound social impact. Tiffani shares her expert insights on transforming properties into shared housing facilities, highlighting her focus on re-entry housing for individuals with mental health and behavioral disorders. We delve into the nuts and bolts of managing such properties, from setting house rules to ensuring a safe and respectful living environment. This episode underscores the balance between profitability and social responsibility, emphasizing that real estate can indeed be a tool for both financial gain and positive community impact.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Dwan Bent-Twyford (00:02):
Hey everybody , thanks for being on Tthe most
wonderful real estate podcastever.
I'm your host, dwayne BentonTwyford, america's most
sought-after real estateinvestor, and I have such a good
guest for you today.
I actually met Tiffany a fewmonths ago.
How many months ago, tiffany,do you like?
Six months?
Tiffani Ray-Smith (00:21):
It was back in april.
I think it was april, march,april yep.
Dwan Bent-Twyford (00:25):
So we were on a call together and they had a
panel of you know us top dogfemale real estate investors and
I loved her like I have got toget you on to my podcast.
So I'm excited for us to talkto her today and see how she can
help you grow in your business.
But our motto at Dwanerful ispeople before profits.
(00:47):
So if that resonates with you,you're at the right place.
I'm your girl.
You can go to Dwanerful,d-w-a-n-d-e-r-f-u-l,
dwanerfulcom, and I have somefree e-books and some fun things
to get you started on your realestate investing.
So I took my name Dwan andwonderful, and I made a new word
(01:09):
.
So that's how we came up withDwan Dwan.
So Tiffany, miss, tiffany, ray,how are you today?
Tiffani Ray-Smith (01:15):
I'm great.
Great Thanks for asking andthanks for having me on your
show.
Dwan Bent-Twyford (01:26):
Yeah, I loved when we were on Venaus' panel
and I thought okay, I am notfamiliar with her and she is
sharp, so I hunted you down to.
Tiffani Ray-Smith (01:31):
Cincinnati, born and raised in Cincinnati,
been at this for a while, but Ithink the big thing is that I
had a corporate job for a very,very long time, and so my real
estate.
I would call it maybe my sidehustle, but it really was never
a side hustle, just more so mypassion.
And so I had an opportunity tomove forward, to become
(01:52):
full-time.
10 toes down in real estate,and here we are.
Dwan Bent-Twyford (01:57):
That's it.
That's it.
So we're going to get to allthat, because that's what I
loved about your story as well.
So, first off, I just sort oflike to throw my guests to the
wolves a little bit.
I just want you to telleveryone how to find you on
social media and give us awebsite directly where people
can go to you.
I just like that to be in thevery top of the show notes,
because some people glance overthe show notes, some people
(02:20):
listen, some people watch.
So I want your contact info atthe top, so kind of like, what's
your deal?
Tiffani Ray-Smith (02:27):
Absolutely so .
I am on Facebook, instagram andLinkedIn.
It's Tiffany Ray- hyphen Smith.
So Tiffany, with an I, rayhyphen Smith, you can find me
there.
As far as my business isconcerned, ray of Hope Realty
Services is my baby and you canreach me at TiffanyRay.
(02:48):
com Very simple.
Dwan Bent-Twyford (02:50):
That's it, and I like Ray of Hope because
it's like a ray of sunshine.
But it's Ray, your name, likeDwan.
I love plays on names.
Tiffani Ray-Smith (03:01):
Yeah, it makes it personal for real.
Yeah, it does make it personalfor real, yeah yeah, it does
make it personal for real.
Dwan Bent-Twyford (03:05):
All right, so when I met you on the panel, uh
, so you're gonna have to justhelp me remember a little bit,
because I there was what four orfive of us on the panel that
night yeah, I believe there werefive.
Yes, yeah, and so, and the othergirls, I love them too.
But I saw you, I think I loveher.
I I have to have her on my showfor myself myself.
So you started off in corporate.
(03:26):
So this is part of what I loveis hearing about the journey,
because I feel like most of us.
Well, I am also from Ohio Idon't know, I think I told you
that, dayton so and I'm a littlebit older than you, but not
much.
But I was raised up in that getout of high school, get married
, have kids and go work at thefactory, so like that was what
(03:47):
my whole life.
And then I did work at afactory and I thought, oh, why
would somebody want this for me?
This is the worst thing that'sever happened to me and it was
terrible.
But I feel like most of us,especially women, are just like
either get married and have kidsor, you know, go get a job, and
they don't just go.
Hey, I'm going to just start myown company.
(04:09):
I just don't feel like.
I mean I don't know.
I feel like women.
Our age is just not.
That's not bred into us.
Tiffani Ray-Smith (04:16):
Absolutely not Very much.
From the same generation.
I saw my grandfather go to work.
I did see my grandmother work alittle bit.
My mom was a single parent soshe had no choice in the matter.
But it definitely wasn'tsurrounding a business, it was I
need something stable because Ihave to take care of my kid,
(04:38):
and so that kind of bred herdoing the W-2.
And so I did see hard workersdoing the W-2.
And so I did see hard workers.
So I knew I had to work hard.
But I also, like yourself, itwasn't going to be just a
traditional trajectory for me.
I've always been a lone rangerand cut my own path when a lot
of people did.
Dwan Bent-Twyford (04:55):
So what did you do before you became?
You got into like microdeveloping Because a lot of talk
about your niche, but it's Ilike to hear yeah, because like
I tell people listen I got firedfrom Denny's on third shift.
I was a broke single mom.
I really had no place to go,but up I really.
Who gets fired from Denny's inthe middle of the night, you
(05:15):
know.
Tiffani Ray-Smith (05:18):
Well, such was not my background.
From Denny's, I definitelybecame what I call an accidental
banker.
I was very artistic.
So, to be quite honest with you, dwan, I wanted to be a singer
in the South of France, like youknow, tiffany Ray.
Yay, and quickly, very quickly,I realized that that probably
(05:39):
wouldn't be very fruitful and Icouldn't sustain as a starving
artist.
So I became an accidentalbanker, started in collections
and I asked people for money fordelinquent bills and it was on
jewelry collections of allthings.
So I caught on your watches andyour rings and your necklaces
and, yeah, that kind of stuff onon cards.
(06:00):
We collected on on index cards.
Oh, that's right.
Dwan Bent-Twyford (06:05):
I have.
I still have it's in a box.
I still have my old rolodex andI look back at it sometime.
It's like, wow, half the peopleI don't know, half the people
are dead and you know it's likea sliver of people I still know.
But man, at one point thatrolodex, it's like life, that's
your life.
You lose your book, you're it'slike losing your phone.
You're like, ah, you freak out.
(06:25):
So joy, so.
So, being in collections,especially jewelry collection,
that probably got you over anyfear you ever had of talking to
people absolutely.
People are yelling you stopcalling me and they're screaming
at you, right but I went fromjewelry collections to hospital
collecting.
So I went backwards.
Tiffani Ray-Smith (06:45):
So imagine your kid's sick and you got this
lady on the phone, but, ma'am,you still owe $10,000.
How are you going to pay?
Like, really, that's theirfirst priority, right Is paying
the bill when they're when theyhave it.
Yeah, and it was for children'shospitals, so it was right,
right.
So you're talking aboutpunching yourself in the gut and
(07:05):
taking the fear of askinganybody for anything.
So I I don't have any fear toask anybody for anything and I.
Dwan Bent-Twyford (07:13):
I feel like now you've been investing for a
while now, right?
How long have you beeninvesting?
oh, uh over 30 years okay, so,30 years so, and you deal,
you're on calls and webinars andyou coach and train.
You know similar, we have asimilar what we do, but don't
you find or maybe you don't find, but tell me what you think.
I always, when I do a lot ofthose live works like in
(07:34):
Cincinnati live workshops Ialways ask people like, why have
you not started investingbefore now?
And the number one answer I getis fear, like what are you
afraid of?
And they say, well, I don'tknow what to say.
I'm gonna yell at me like allthese fears, and it's like I
don't really know where thatcomes from.
I guess, because I've alwaysbeen really outgoing and
(07:55):
talkative and and I feel likefear is a big thing, but you are
already doing something thateveryone's afraid of.
Tiffani Ray-Smith (08:03):
Right, ask him for money.
So yeah, I don't know about thefear thing, I don't.
I think it's not really fear.
I think it's people'sinsecurity.
I do, I really think it'speople's insecurity, because
everybody that presents seemslike they just know everything
all at once, but they don'trealize.
(08:25):
Dwan, you've been doing thisfor 40 years, or they don't
realize.
You see what I'm saying, right,they don't realize that if I'm
in a specific strategy, I'vebeen doing it for a long time,
and then I think, with thisgeneration, the other thing is
they expected everything to behanded to them with bullet
points and check checklistpoints, and we've had to dig in
(08:47):
I spent a million to master mycraft yeah, yes, girl, we did.
Dwan Bent-Twyford (08:55):
We had to dig in, like I started off 35 years
ago.
My daughter was a baby and whenI go door knocking there's no
gps.
I had to use a big old mapbooks, and let me tell you, that
in and of itself is a skill andit just you know.
And I'd have to go to thecourthouse.
I hand write all the addressesand, like I do knock on the door
, I got a baby hanging on my hipbecause I'm a single mom and
(09:18):
it's like.
And then people are like Idon't know how to find deals and
I'm just like oh, my god, myGod, I just want to like.
What is wrong with you?
What do you mean?
I don't want to find deals,they're everywhere.
Go to the courthouse and go doorknocking with a paper map and
they'll talk about it Right Now.
How did you so?
You started off as an agent.
Tiffani Ray-Smith (09:39):
No, I'm.
I am not a realtor at all.
Dwan Bent-Twyford (09:42):
Good.
Tiffani Ray-Smith (09:47):
I am not a realtor at all.
Good, I started out accidental,like accidental banker,
accidental investor.
I did my first.
I'm going to call it short sale, cause I know that's your your
baby in 1987.
And it was, but by, by accident, it was a total accident,
didn't even have a name for it.
Back then we didn't know whatthat was.
Nobody was talking about it.
This is when the ITT financialsand all of there was a
(10:10):
financial on every corner whereyou could go get a loan and it
was actually a family memberthat was in distress and I was
actually rooming with them.
I had a room there and theyreally felt dire straits and I
was.
I had a decent job and I wasjust like okay, well, let me see
what I can do with this.
(10:31):
And accidental short sale.
Dwan Bent-Twyford (10:33):
Yeah, that's how I did my first one too.
It was a complete accident, andthen, after it happened a bunch
of times, I thought I'm goingto trademark this.
Tiffani Ray-Smith (10:41):
I love that you did that.
Right, I wasn't.
I definitely did not catch onto that part, because I was like
, oh, this is a fluke, like willthat happen again?
And yeah, it happened again,but I never thought anything of
it.
So, yeah, I became anaccidental real estate investor.
Dwan Bent-Twyford (10:55):
Yeah, I like that term because everyone
always says, well, how did youget in?
And I said, listen, the factthat someone is listening to me
on this podcast they're 100years ahead of me.
Because it was an accidentreally too.
I was just looking forsomething to do from home and
raise my daughter and I met someinvestors.
Oh, we buy them, we fix them up, we sell them.
I'm like, oh, decorating, howhard could that be?
(11:17):
And then it's like it's notdecorating, it's rehabbing, and
it was really hard.
But once I made the first check, I was like, shoot man, I got
all this money, I'm going to doit again and the next thing, you
know, like 35 years go by.
So I like the fact.
I like when I meet someone elsethat like kind of accidentally
fell into it, because it's a,it's like a huge giant blessing
(11:38):
to fall into something that's soamazing, exactly, and then to
actually make a go of it.
Tiffani Ray-Smith (11:45):
Yeah, yeah.
And you think about it and youhear all these things or read
all these things in hindsight.
It's like you know real estateis one of the best ways to
become independent andindependently wealthy and leave
something legacy for your family.
But you read all that like inhindsight.
At the time I was trying tosave somebody from losing a
house, you were trying to makemoney, it wasn't the why.
(12:07):
And then you understand thewhat this is and what it can
bring, and you move forward intookay, I'm, I'm gonna make this
a, I'm gonna make a go of it,I'm gonna really try and go
ahead and do this.
And so where's the fear in that?
I'm trying to make a couple ofextra bucks, and so were you.
Well, what did you have to lose?
Really Nothing.
Dwan Bent-Twyford (12:24):
And that's probably to our benefit.
Yeah, oh, by far, because youknow people now that are sitting
down and like saying, okay, I'mgoing to make a decision, I'm
going to work with Twine, I'mgoing to work with Tiffany.
They're really constantlymaking a decision.
They're terrified because theyread everything.
The internet has so muchinformation that's good and bad.
You don't know who to trust,like you just don't know.
(12:45):
You don't know, like, who doyou trust?
Who do you work with?
You don't know.
So I feel kind of like fallinginto it accidentally and being
naive was probably the bestthing for me that I might have
like overanalyzed it to death oh, knowing what I know now like
it would definitely be too muchinformation.
Tiffani Ray-Smith (13:02):
it would be like being a surgeon and then
going to another surgeon for anopinion way too much information
.
But I've actually, for somestrategies, had to unlearn
everything that I've learnedabout a certain thing you know
and and that is a trait as wellit's like, okay, I'm going to
(13:23):
listen and I'm going to throwthis part out and I'm going to
use this part, or I forgeteverything.
I know that's hard to do, butwe do it and we learn new things
and ways to develop our skillsall the time.
We have to pivot.
That's right.
It is the magical word.
Dwan Bent-Twyford (13:50):
But people don't do that.
They get in, they go.
This is my niche, this is whatI do.
I'm doing this forever, untilthe end of time.
And then markets crash, thingshappen, elections, the things,
and then they're like I don'tknow what to do.
Tiffani Ray-Smith (13:56):
It's like pivot.
Well, I'm going to say this,and I know you have a lot of
listeners out there and yougentlemen out there that are
listening to us.
We think you are very awesome,but us gals, especially us
single moms that had to do itthat way, pivot is that that is
a skill that we should put on aresume, because you learn how to
make a little out of a I mean alot out of a little and I think
(14:17):
that definitely helped that.
That fright thing in your belly.
Dwan Bent-Twyford (14:21):
Yeah, it does .
It does.
So you got into your niche, andwhat specifically is your niche
?
Tiffani Ray-Smith (14:28):
Right now, for the past almost four years,
is shared housing or co-living.
That's my niche right now.
Dwan Bent-Twyford (14:36):
And see now, I love that.
And do you know that as much asI know about real estate, I
only discovered this conceptlike two or three years ago.
I was like what People do thatLike Pad-splitting the, the
houses and the bedrooms, that Iwas like that's a thing.
So I didn't even like and I'vebeen investing in 35 years.
(14:57):
And when I found out it waslike fresh news I never heard in
my life.
It's like I got 30 years in andI just found this out a few
years ago.
Tiffani Ray-Smith (15:04):
Yeah Well, I actually know, I bet you that
you you didn't.
You just never looked at itthat way.
So when, oh yeah, because whenI was growing up, my
grandparents had theneighborhood home and there was
always someone in our atticupstairs that didn't belong to
our family, but that was ourmagical cousin.
(15:25):
Oh, they're just staying heretill they get on their feet.
So boarding houses have beenaround forever and a day.
Yeah, really, when you thinkabout it in hindsight, dwan,
that's all this is is justboarding houses on steroids.
Dwan Bent-Twyford (15:41):
Yeah, it is.
Tiffani Ray-Smith (15:42):
Yeah, that really is yeah.
So, and our parents and ourgrandparents did that thing.
Dwan Bent-Twyford (15:49):
You bring your family up from another
state and they stayed in oneroom, they were in your house
yes, my aunt, she's 97, god loveher, she's still alive and she
was telling me some stories,like when she first got out of
like high school college shewent to live in dc this is from
tennessee, if I'm like, I meanlike almost like a holler to
live in dc and stayed at aboarding house.
(16:11):
And you know, now I'm like, ohmy gosh, weren't you scared like
just you move on by yourself.
I said no, I just took a train,go to a little boarding house,
I'm paying for my room andthey're making my meals.
I was like I love that, but youknow, I think it's because it
was called boarding houses.
So I don't think about it as aswhat it is.
Tiffani Ray-Smith (16:27):
It's, it's a, it's a big thing it is, and you
will hear a lot of namesco--living group homes, shared
housing, I mean there's a wholelot of nomenclature around it.
But I definitely think thatbecause the housing crisis is
(16:48):
upon us and right now the pricesof rents are steady and they're
still climbing in a lot ofareas, but the cost of living
just has not kept up, and so itmakes you wonder, like, is this,
you know, going to really bethe next thing?
And then you got the generationthat, the millennials.
They don't really care to havea house and two kids and a dog
(17:10):
they want to hang out with theirfriends, and so they live
together anyway, so it just likeokay they do.
Dwan Bent-Twyford (17:17):
So someone is hearing this like, hey, I like
this shared housing.
Yeah, I.
I don't even know if themillennials even know the
concept about what a boardinghouse is right, I feel like our
generation might be, like theboomers might be, or the ex-gen
x's might be like the last onesthat know of that, because we
saw that happen.
Like I remember aunts andpeople staying and my
(17:39):
grandparents always had somebodyand I was like, oh OK, and so
so someone's like, hey, I likethe idea.
What would be like a first step.
What would someone do?
Well, first explain the concepta little bit more better.
So I have a house, I don't know.
I have a three bed, two bathhouse.
I want to make a shared housing.
What do I do with it?
Tiffani Ray-Smith (17:58):
Yep, so it first, first thing.
First, you would need todetermine the type of shared
housing facility that you want,because, if you think about it,
there's everything you could doa granny pad or as I call them.
You know, boomers like boommates.
I call them boom mates, that'sthe the name I like you could
(18:21):
try you should trademark thatyou know what?
I said it enough.
I probably should likeroommates is.
Dwan Bent-Twyford (18:27):
That is a trademarkable term, okay,
because there are like 70million.
I'm a boomer, so there's like75 million of us, right?
And people don't want to livein a big old house alone.
That's right.
And boomers I, you know all myfriends, were active.
We go out on boats and we buy,ride bikes and we hike and we
(18:50):
camp and we ride paddle boardsand we're not like our grandmas,
my grandmas that were likeknitting and canning food and
working in the garden like theyhad to survive.
We're just like hey, instacart,drop it off.
We're going over there and I, Idon't want to.
Should I end up being a widowbefore you know my husband?
(19:11):
I don't want to just like liveall by myself.
Of course, not Like who would Ibother all?
Tiffani Ray-Smith (19:16):
day you would have a boom mate.
Dwan Bent-Twyford (19:18):
I'd have a boom mate.
Yeah, okay, tell me right now,trademark it girl.
Okay, I will look at that.
I promise I got a boom mate.
And how does that happen?
Tiffani Ray-Smith (19:31):
Yeah.
So we were saying, boom mates,you can do it for veterans, you
could do it for sober living,you could do mentally challenged
behavioral.
So if you think about it vastly, there's all these niche
markets you can go after.
I'm looking for people to rentby the room and maybe they're
(19:54):
just going to be professionalpeople.
They could even be the like youdo the short term with the
furnish finders for nurses.
You could even go after them.
So you need to determine whatarea you want to look for, or
service, because that'sbasically you're being of
service.
What's your favorite Right now?
I started with mental healthand alcohol behavioral disorder.
(20:23):
Right now, my go-to is re-entry.
So if you understand thepopulation, you know that there
are a lot of people that arebeing reintroduced back into
society from the criminaljustice system.
Yeah and yeah.
So reentry is a big thing.
(20:44):
They come with a stigmatismbecause of their background.
However, they have served theirtime enough that either they're
on parole or they are released,and they have typically no
credit or diminished credit theydo have.
They're hard workers becausethey don't want to go back.
(21:04):
Yep, they pay their rent ontime, they will take care of
your place, and so right now, myspecialty is for re-entry
clients, and mostly are men.
Dwan Bent-Twyford (21:15):
And I really do like that because I have an
uncle that was in and out ofjail all the time and he had
mental illness.
He is schizophrenic, but youknow, back in that day they just
, I mean, gave people shocktherapy and all the really
tragic things that they did.
But my uncle, elmo, he was likeour favorite because he was
like a big giant kid and he hadall these.
He was in and out out jail allthe time and sometimes he'd be
(21:37):
like I'm just gonna go breakinto someone's house so I can go
back to jail for a whilebecause I just I don't know what
to do.
And I can remember him sayingthose words to me and then they
go Elmo's back in jail.
I was like, yeah, but I thinkElmo wants to be there.
He just he didn't know what todo or how to get out, you know,
because I mean he's been passedaway for a decade and he was 80
(22:00):
then, so I don't think he everknew how to get back out there
right and I mean, and that's areal thing, um, there are a lot
of wraparound and bridgeservices for these guys, um,
when they re.
Tiffani Ray-Smith (22:15):
But the main thing is, I think, that they
just need somebody in theircorner.
So a lot of their friends havemoved away.
Maybe their family is who theydid something to.
They don't want to be botheredwith them, or at least they
don't want to be in their house.
They understand that if theyhave some place to live, like
that's half the battle.
And then you know, gettingsomething to eat, that's the
(22:36):
other half the battle, and it'sjust knowing that somebody's in
your corner that really doescare about you being a
productive citizen.
But to your point, yeah, theycall it three hots and a cots.
I know what I'm getting whenI'm in jail I'm getting three
hot meals and I'm getting a cotto sleep in and I don't have to
worry about anything.
So a lot of these guys haven'teven transitioned into society.
(22:58):
They don't even know how toopen a bank account.
Blind, they don't know anything.
So you, just I have a sheet onmy wall and it's got all of
these services in them that Igive them a support sheet.
Here are the places that youneed to call.
Here are the people, my contactpeople.
This is going to help get youstarted, you know, and down down
(23:20):
to the toothbrush, like I'vegot dentist office that I've
gone to and say, hey, you know,I've got I'm onboarding five
guys and I need dental hygienestuff.
They'll give it to you, theyreally will.
Dwan Bent-Twyford (23:30):
You're going to have a thing, You're going to
be a saint.
You got like a saint namedafter you.
Take that Because you know whatPeople are afraid of criminals.
But then I look at my uncle andhe would say, well, I get three
hots.
And he would say that.
And then the next thing, youknow, he'd break into somebody's
(23:50):
house and just like, okay, theycalled the police and he's like
so eventually we got him put ina place for his mental illness
because that's what he needed.
But I mean I just don't thinkpeople realize unless maybe
you've been an actual part ofthat people realize how hard it
is to get back because people dolike, oh, you're in jail, what
are you in jail for?
I don't want you around me ormy kids like what did you do?
And like for life to have thisbig stamp on your head.
(24:12):
That's like I'm a, but I'm suremost of us have done things
that could have landed us injail.
Tiffani Ray-Smith (24:19):
Yes, ma'am.
Dwan Bent-Twyford (24:22):
I bought and sold my fair share of drugs and
I did not get arrested.
Okay, so you make the decision,because I like let's talk about
re-entry, because that is, andmentally ill things, those are
really highly overlooked, I feel, and like the boom the boom
mates.
I think those people can, youknow, they can organize it.
So we want to do somethingthat's really super useful to
(24:44):
the community.
Want to do re-entry.
I want to buy a house.
What do I need?
What am I looking for?
Tiffani Ray-Smith (24:50):
um you're looking for.
It depends on your risk, yourtolerance.
Personally, I believe thateverybody needs their own place
to unwind, detox, think, andthat's one person behind the
door.
I have some friends in otherareas and states that do.
Two people to a room.
That feels very like a sardineto me, like in a can, all
(25:14):
squished up.
But you can do it.
It's legal as long as the roomis large enough.
I just happen to not like that,yeah.
Dwan Bent-Twyford (25:22):
I wouldn't like that either.
I'd be like what if I want tolike fart in the middle of the
night?
That's it right.
Tiffani Ray-Smith (25:27):
I can't do that with care, like there's no
freedom and all Right.
I need my own space to thinkRight.
So you need to decide how manypeople you want in your room,
because more people they canhave a tendency to live hard in
your place.
And you also need to decide dothey need all that extra common
space?
So a lot of my common space.
I don't need a living room anda dining room.
(25:48):
I combine those so that there'sa living dining room together
and then usually I end upconverting my living room to a
bedroom.
That's what typically happens.
So you want your bang for yourbuck and you want to convert.
Dwan Bent-Twyford (26:03):
You have like three bedrooms and you have a
big living room and maybe itmade two more rooms, that's
right.
You have five bedrooms, that'sright.
And then you have a kitchen andlike a dining area, and what
about?
Then people pay by the room.
So what about?
Like?
These are things I would thinkabout.
(26:23):
What about, like housekeeping?
Tiffani Ray-Smith (26:26):
you eat somebody else's groceries like
you put your name on yourgroceries in that, and when you
work in the fridges, my yogurtso let's, let's talk about that,
because I learned I skinned myknees on that the hard way,
thinking that hey, if somebodyputs something in the
refrigerator, of course you'renot going to touch it, like
that's, but you don't thinkabout the fact that people may
(26:48):
be hungry and they may not havehad money to buy something.
So when my, my goal is four toone for the bathroom, so I like
to have a bath and a half if.
If there are more than fourpeople you're better off with.
Guys are share, can share lessbathroom space than women.
(27:09):
They just can't.
That is true, we're in it right.
So it depends on who you'reservicing female or co-ed, when
you think about that.
Also, the refrigerators Ilearned that I thought it was
one refrigerator was good to goand you know everybody was just
going to fare OK and nope.
So when I go to the person, Iadd another refrigerator and
(27:31):
then I assign cabinets, and thenI assign cabinets and in the
kitchen.
Dwan Bent-Twyford (27:36):
you have multiple refrigerators.
Yeah, and then people areassigned.
What a good idea.
Tiffani Ray-Smith (27:41):
Yeah, I assign cabinets.
So there's a common cabinet,there's a free for all.
Like, if somebody goes to thestore and they don't want
something, you put it in thecommon cabinet, nobody is upset
about you taking it.
If I stop at the free store,there's a common cabinet, nobody
upset about you taking it.
If I stop at the free store,there's a common cabinet, nobody
cares if you took it.
And I assign colors.
So you know the little dotswith the green, orange, yellow,
(28:05):
yep, everybody gets a color.
If you have something in therefrigerator, you you get a
little pad of colors.
When you move in you put yourdot on your thing.
Dwan Bent-Twyford (28:14):
That's your color and everybody knows whose
color is what well, I reallylike that, because that would be
the first thing I would thinkof.
It's like I have leftover pizza.
I want to eat it.
At midnight I go down there andit's gone.
It'd be like yeah, where is myfood?
Tiffani Ray-Smith (28:30):
yep so, and people have almost had
fistfights over food.
So one thing that I do is nocameras, of course, in bedrooms
and bathrooms, but my entrywaysand my kitchen is monitored,
period.
I can't have theft, and a houserule is in this house.
I have a motto In this house wedon't hurt people, and hurting
(28:52):
people could be stealingsomething from them.
It could be aggressive talking,calling them a name, hitting
them, but if you steal somethingfrom somebody, it may be their
last.
You hurt them, you injured themin some way.
So that is grounds for awriteup, depending on the person
the other, the person that youknow you did it to or or removal
.
I have asked people to leavebecause they've so, and those
(29:15):
are my house rules.
You sign those when you come inthe door.
Dwan Bent-Twyford (29:18):
this is how we operate here I think, and you
know rules like I mean likeright now this week I've got two
of my grandkids.
I've had them for like 15straight days.
They're four and eight.
Well, my house and my rules aredifferent than where they're at
, and I was just the first week.
It's like, oh my god, I justgotta get these kids.
Like these are the rules atmimi's house.
Like if you break these rulesI'm gonna bust your butt.
(29:39):
Like because people have tofunction.
Not everybody has the samecommon sense and not everybody
values the same thing.
So I feel like you it ruleswithout rules like it would
never work.
Even living in a house withyour own kids and your family
and your moms and dads orwhatever.
Rules are important.
Tiffani Ray-Smith (30:00):
They are.
People just have boundaries.
We have rules.
We have rules.
We stop at the stop sign, westop at the red light.
You don't leave the grocerystore without paying for it.
There are rules all over theplace.
They'll just not post it.
We just grow up with them.
Yeah, over the place.
They'll just not post it.
We just grow up with them.
Yeah, you know and and they geta copy.
But I also do have posterboards so that I can communicate
and their rules on the postboard.
(30:21):
Here they are, they're in plainsight so you can see them.
Dwan Bent-Twyford (30:24):
I'm not hiding it I'm not making them up
, they're right.
So now you can't maybe give anexact amount, but let's just say
you have I don't knowcincinnati, ohio.
You have a house that ends upbeing a five bedroom and the
average rent so I don't reallyknow the rents in that part of
the country that rent is $800 amonth for a house like that.
How are they paying per bedroom?
Tiffani Ray-Smith (30:44):
Right, so the easiest way I find to, because
it's different in differentneighborhoods- yeah, it is.
Yep, so it depends on where yourhouse is, how easily accessible
it is to the bus stop.
All the same things you woulddo to look at what you were
going to price your regularrental.
Yeah, you're going to look atto see what you're going to
(31:04):
price this particular rental.
So is it a moderately upgradedhouse or does this house have
stainless steel?
And you know, it depends onwhat you're doing.
Okay, so, modest to to nice, toyou know b, quality, you know c
, cd to b, so you're, so you'reeverything in between.
(31:25):
And then I'm looking at what astudio would rent for in that
area.
I'm also looking for what a ifthere's an extended stay.
Oh, that's a good idea.
Dwan Bent-Twyford (31:38):
Extended stay yeah.
Tiffani Ray-Smith (31:39):
Because there's no, there's, there's no
precedence on how to do thisthing Right.
I don't know.
Dwan Bent-Twyford (31:44):
I'm thinking on a new charge.
But yeah, extended stays.
I have used those a couple oftimes where I just get like six
weeks someplace and it's like,ah, I clean the room twice a
week, I do laundry.
I got to clean the room twice aweek, I do laundry, I get my
groceries, that's all right.
So that's a good idea.
You look like an extended stayby the month.
Tiffani Ray-Smith (32:06):
Yep, I'm looking at that.
And then it's who is yourclientele?
So of course, if it's are-entry, just a regular veteran
, and you're not providing anyservices, just the room, then of
course I have internet and allof mine and usually washer and
dryer is on site, if I can dothat.
But a typical house that youwould rent for anywhere from
maybe $1,200 to $1,800, I'mprobably going to get double,
(32:31):
maybe even triple that.
Dwan Bent-Twyford (32:33):
Okay.
So let's say we have a $2,000,.
I'm just going to do a supereasy math.
We have a $2,000 a month house.
You have five bedrooms, soyou're making like $4,000 to
$5,000 a month thing that you dowith your equity and your rent
thing.
Tiffani Ray-Smith (33:00):
That I think would bode really well with this
and we definitely could talkabout it.
But I will tell you this.
So what it does for me is mostof my home own homes I've owned
because that was my strategy,but now I'm starting to get into
the place where I'm master,leasing some of them.
So you bring stability to thehouse because you know you can
(33:24):
afford that particular X marks,the spot payment, and you don't
have to worry about it notincome producing, because it's
not one tenant, it's not oneresident, you got five.
That's right's right.
Even if somebody falls off, I'mstill churning like the whole
time I'm just always marketingfor that replacement person and
(33:46):
and, and, so you're neverwithout rent in that property at
all.
There's always something comingin the door, so I mean it's
like, and you're fulfilling aneed for them.
It's really win-win, it reallyis.
Dwan Bent-Twyford (34:02):
Yeah, no, I love it.
I and I've talked to a fewpeople that do it and I think
one guy I talked to was doing itlike for nurses.
I know a lot of people do itfor like medical and executives
and traveling, but there's somany people out there that are
not executives or nurses thatneed like the mentally ill and
people coming back in re-entryor people that have had drug and
(34:23):
addiction, Like those are thepeople nobody wants to help.
Tiffani Ray-Smith (34:27):
Yep, and there's a whole business to be
made out of this.
It really is.
It started out as a what am Igoing to do with the house?
And somebody needed a place tostay and it's oh, here's the
thing, let me rent the room Seehow this works.
And oh, that really works.
It's like you just kind of fallinto it and you creatively,
(34:47):
magically I call itautomagically it automagically
comes together.
I love those words.
Yeah, I thought you wouldappreciate that Automag
magically.
I do love that I can add the newword for me I magically come
together and you're and you'rereally helping someone and
you're, you're my.
(35:07):
My houses are the cutest houseon the street.
It's well manicured.
They don't have to worry aboutthe you know the, the noise
thing.
They don't have to worry aboutthe.
They don't even know that it'sa shared house.
The neighborhood like nobodyeven knows.
But I do go to the neighborhoodmeetings and let them know.
This is who I am, this is whatI'm doing, this is how you
(35:30):
contact me.
Here's my why.
You know, here are mycredentials.
And oh, by the way, should youcome to the door, there's
something on there that saysthis is a shared facility.
If you have any questions,please contact Tiffany Ray.
But it's helping to stabilizesome of.
You're talking about thatparticular entry re-entry person
.
They're going to go to that DCarea, probably where they can
(35:53):
afford.
But having a person likeyourself or myself invested in
that property is going to helpbring up the property value,
because that's what we do,that's right, yeah, no, I do
like it.
Dwan Bent-Twyford (36:04):
I live.
We have a house in floridathat's in a gated community and
they have an hoa and, like Inever go, it's like listen, I
travel all over.
I don't have time to be goingabout who's arguing about
someone had weeds in their yardand I don't care.
But we get, I guess, an emailevery meeting and say, hey,
we're doing this and this andthis.
And there was an email thatcame out a few months ago
(36:27):
So-and-so wants to make theirhouse a halfway house.
Yeah, I mean, the neighbors hada meltdown and I was like, ok,
but like it's a halfway housefor people that are trying to
get back in.
So this is me like, with novotes whatsoever, because I'm
not on the board of anything andI'm I'm one of like 300 people.
I was like, yeah, but peopleknow I don't want next to my
house but next to your house.
(36:47):
But if they were next to myhouse I'd probably help them.
Tiffani Ray-Smith (36:51):
Right, so I understand.
Dwan Bent-Twyford (36:53):
And I mean it was like the neighborhood was,
they were, oh my God.
The emails went back and forth.
I was like what the hell iswrong with all you people?
Tiffani Ray-Smith (37:00):
It's the stigmatism, the stigma that
comes with it and you get thatnot in my backyard is real,
that's a real thing.
Dwan Bent-Twyford (37:09):
That's what everybody said and it's on a
different street and I mean totell you people were putting
signs yeah, children live here.
We don't want people coming outof halfway houses in our
neighborhood and I was like,yeah, but lots of people have
issues with drug and alcohol andthey do and all that things,
that doesn't mean they're goingto be horrible, crazy maniacs
(37:30):
for life.
I mean, like I don't know, andthat was what everybody said,
not in this neighborhood, thisis a gay community.
Well, the person that owns thathouse doesn't mind, and right
why should you?
I don't mind and half thepeople in here 90 people don't
mind.
But, man, I never saw such afight in my life between I was
like dang people.
Tiffani Ray-Smith (37:50):
it's real, it is.
But you, you have to convincethem, um, that you run a tight
ship and that is, I think, wheremy corporate background comes
from, in being able to run atight ship and I tell them we
have rules, we have regulationsthat we abide by.
You know, here's all of mycriteria.
(38:10):
I'm doing a background check onpeople before they come.
If you don't want them ifthey're you know an SO because
you don't want them if they'reyou know an SO, you don't want
them close to children, you knowyou don't want that yeah, yeah,
you have to onboard the rightperson.
The right person for the rightproperty.
That's a big thing yeah, itreally is.
Dwan Bent-Twyford (38:29):
And, like I said, most people I have talked
to do like executives, that'slike well, that's it.
And you know, I think I've justalways.
I've always volunteered, likewhen my daughter was little, we
volunteered at the YWCA and theyhad the women that literally
like left their house at two inthe morning with their kids and
got picked up by a van and leftthe house with their backpack
and they're like you know,they're behind a gate and
(38:51):
there's guards, and like thesewomen are a really abusive
situation.
And so so I volunteered once aweek and I would babysit all the
kids while the moms were incounseling.
And they're like you just can'tbelieve we can't get people to
come and babysit because they'reafraid some ex is going to show
up.
I'm like, well, there's like 20foot fences out there with razor
wire and you got guardseverywhere.
(39:11):
I feel safer in here than outthere, I don't know.
So even then I was like helping.
I told my daughter listen, youknow, people need help.
Women, like they're in abusiverelationships, they need help
getting out.
And the same thing like withyou, like there's all kinds of
places where people need levelsof help and most people just
want to do the easy, like mailin a check somewhere and call it
(39:32):
, and not like do anything aboutit and not like do anything
about it.
Tiffani Ray-Smith (39:36):
When you think about it, duondo, at the
very core of our American values, we have rights, we do.
We have rights.
There's amendments Firstamendment, second amendment we
have a quality of life standardand so when people do something
and they have paid for it,whether so so say, your crime is
(39:58):
a white collar and you payextra penalties for it, you
still paid for it, so it doesn'tstay with you forever.
Okay, so aren't people entitledto clean and safe and quiet,
affordable, healthy environmentfor them?
Right?
I mean, that's just like the atthe very core of our american
way is like what we expect forourselves, shouldn't you expect
(40:22):
that for others?
Like, aren't they entitled tothat if they can?
Okay, this is that I love it.
Dwan Bent-Twyford (40:28):
I like the fact that, like, like I said at
the beginning, my model ispeople before profits and you
have like a heart for people anda lot of investors.
I mean, I love all investors,but a lot of investors are
really more about the money andwhat can they do for me and
people.
I don't find that everybodywants to necessarily like kind
of give and help and give backbecause we you know, it's like
(40:50):
anything we don't want to lookat the homeless people, they
don't want them in ourneighborhood and we'll just like
put some money over there butno one wants to actually go and
help.
But this is the best of bothworlds.
Tiffani Ray-Smith (41:02):
This is blended, though it's the best of
both worlds because you, as ainvestor, if I would say, you
know, dwan, I have thisopportunity and I'm going to do
a 20 bedroom and this is whatit's going to be, so there's a
social component to it that youmay want to put your money.
Maybe you don't want to be ahouse man, maybe you don't want,
(41:22):
or maybe you have the housethat I'm going to lease and I
stabilize that asset for you.
I need a lease and I want threeto five years because I don't
want.
So I'm going to guarantee you,you know one, so that is a
safety net for you.
Then, if you're the owner ofthe property, you're making two,
three, four, five times theamount.
(41:45):
So I mean it is a win all theway around.
I don't see the bad in this atall.
Dwan Bent-Twyford (41:51):
I don't either, yeah.
I don't either, but as a womanthat's 65, I'm like boom mates.
I want a boom mate.
Tiffani Ray-Smith (41:58):
Don't you just love that?
Dwan Bent-Twyford (41:59):
I love that so much.
So I have a lot of friends thatlive in the villages in Florida
the little golf cart communitythat's known the world wide and
I mean there's three or fourwomen all living in houses
together and they just have thebest fun.
They go to happy hour at like 3in the afternoon.
They're drinking, they have thebest fun.
They're going to happy hour atlike three in the afternoon.
(42:21):
They're drinking.
They're playing golf, they'reriding their golf cars.
It's like living their bestlife.
That's a boom mate.
That's it.
I love all that.
Let's jump topics for a minute.
What's your favorite band ofall time?
Let's talk about music, oh,music.
Tiffani Ray-Smith (42:34):
Band.
Oh, now, if you have a singer, Iwill be able to do that, oh
singer, I can give you that oneright away, because remember, I
said I wanted to sing in thesouth of france, remember I told
you that?
Okay, my favorite singer of alltime, barbara streisand.
Oh man, she is so good, right?
Angelic, yes, and she singswith angels.
(42:59):
Now the band thing I'm gonnahave to think about that.
I never really, and I grew upin a in a band.
I grew up with a band in ourbasement.
My um stepdad played bass, andso there was band practice three
times a week in my house yeah Ilove music.
I think music is like it's partof your soul.
Dwan Bent-Twyford (43:18):
You can tell a lot about people but the music
that they listen to, yes yeah,and some people are like I don't
ever listen to music.
It's like what?
How could you listen to music?
Every song equates to a memoryyes, like music is.
Tiffani Ray-Smith (43:33):
Music is something I have a favorite
movie, the Matrix.
I love the Matrix, the Matrix,and people meet me and they go
like are you a sci-fi?
And then I put up the Live Longand Prosper and they go oh my
gosh, you's a truck yeah.
Dwan Bent-Twyford (43:53):
Girl.
Yeah, I just did that.
I'm like my husband's, likewhat are you doing?
Tiffani Ray-Smith (43:57):
I'm like Live .
Are you doing?
Live long and prosper.
Dwan Bent-Twyford (44:00):
How do you not know that?
Yes, that's why I love you.
Any Trekkie is always afavorite.
What's your favorite part ofthe day?
Tiffani Ray-Smith (44:11):
I think my favorite part of the day is
going to be early evening.
Yeah, it's when you might catcha breeze, it's when the sun
might be setting, so you get thebeautiful landscape.
Yeah, I just I like everythingabout it.
I'm a driver, so I don't knowif I told you I commuted to
colorado for six years from ohio.
(44:33):
You committed wow, yes, when Isay I mean like the 17 hour
drive commute.
Oh shoot that commute.
Yeah, that's a drive.
Yeah, my husband worked therefor six years.
We had a house first inLakewood, then we moved to
Pueblo South and I would driveonce a month and the evening
(44:55):
that evening, right before thesunset, and I will be coming up
over the mountains I can seeColorado Springs.
Oh my God, it's the mostpicturesque thing.
I could never erase it out ofmy brain and I think that's when
I fell in love with that timeof day.
Dwan Bent-Twyford (45:09):
Yeah, you know, it's funny because we live
in the actual mountains, so welive at 9,000 feet, and 90% of
the people I interview are likeoh, I like the morning I get up
at five, I work out and I waslike, I don't know, I mean
living in the mountains.
It's like when that sun startsto go down, everything is just,
it's like wow, it's beautiful,this is.
God's country right here.
Tiffani Ray-Smith (45:28):
Yes, it is beautiful.
So you know exactly what I'msaying.
I know exactly I'm always likeno evening.
Dwan Bent-Twyford (45:39):
When the sun's going to change, it's like
you can't.
You can't do any.
That's just amazing.
So what is your biggest goal?
So I have two more questionsfor you.
So what is your biggest goalthat you have right now, and how
can this wonderful family helpyou?
Tiffani Ray-Smith (45:51):
biggest goal, um it, it, you're.
This is.
This is so funny.
So I, when, when I'm speakingand we're talking about real
estate, and why?
Because you always have to havea, why, yeah, um, I ask people
how many people in here knowyour great grandmothers,
(46:12):
grandmothers, grandmothers,grandmothers?
So five generations name, andnine times out of 10, the room
is dead silent and they don't.
And I tell them it's becausethey haven't left them anything.
But if they left them something, I bet you they would know
their name.
(46:32):
So my goal for my family isfive generations deep for them
to know grandma Tiffany's name.
So that is my goal.
I love it and it's a big.
It's a big one, it's a big goalgenerational wealth.
Dwan Bent-Twyford (46:46):
It's a big thing, hey.
The bible says it's a blessingthat.
Tiffani Ray-Smith (46:50):
Hey, that's all right.
You, hey, you gotta think big,think big right.
Um, how can the DeWine family,ben Twyford's, helped me?
I believe that you guys havesome strategies that you have
worked with for a very long timethat will fit well into what I
think shared living is the nextblue ocean for sure, and I think
(47:13):
figuring out how to maybecombine some of that stuff and
teach other people how to do itso that they can have a
five-generation dream too, wouldbe really super cool, awesome
okay, so everybody's a wonderfulfamily.
Dwan Bent-Twyford (47:24):
You got to get engaged now yeah you, uh?
Do you help and teach peoplehow to do this?
Tiffani Ray-Smith (47:31):
I'm working on it.
Um, I do host the um.
We started our focus group for,in my particular RIA, our
inaugural meeting was March, sowe're four or five months in and
I'm working on a few things,but I'm here for questions all
the time and eventually, yeah,it would be cool to Well, it
(47:54):
would be cool to get that somekind of package where you can,
uh, you know, teach people howto do it, but then they can,
like you know, like we do,coaching and mentoring.
Dwan Bent-Twyford (48:01):
Yeah, because that is like, especially, like
you know, with prices going up,up, up, up up and people can't
afford groceries, and you know,shared housing makes sense, but
I feel like a lot of people likeI wouldn't even know where to
look for that to do live in one,right, not to do it, but just
to live in one.
So I feel like that's somethingwhere the word needs to be out
(48:22):
more than people like hey,listen, there's shared housing,
there's this.
I can teach you how to do itand and make it.
I don't know, like um more,where people think of it yeah,
it's, it's come, it'll be athing, you know.
Tiffani Ray-Smith (48:36):
It's just, I guess, like when short-term
housing was new, nobody knewabout it.
You had to make it a thing.
So I'm trying to make it athing.
Dwan Bent-Twyford (48:42):
Okay, I'm helping you make it a thing,
girl.
I know Airbnb.
When I first came out, I waslike what?
You ran out of your house for aweek.
Who would do that?
Well, I stay in them all thetime now.
So it's just.
I mean it's good for anybodyreally for anybody and anything
(49:03):
traveling or reentry or anything.
But I feel like it's a goodthing for women too, because if
you're a single woman and maybeyou're 40, 45, 50, kids are
growing up.
It's like it's nice to havelike roommates, but not like
friends who are roommates whereyou ran your friendship over.
It's like it's nice to havelike roommates, but not like
friends or roommates wherethat's right.
You ran your friendship over.
Like you just have people thatyou like.
You can talk and hang out witha little barbecue backyard.
Tiffani Ray-Smith (49:27):
Yeah, we did a barbecue Saturday.
It's just a cooperative living.
That's what it is, that's it.
Dwan Bent-Twyford (49:32):
I love it.
Ok, so people can Do.
You have a website for peopleto go to.
I love it.
Okay, so people can do.
You have a website for peopleto go to.
Tiffani Ray-Smith (49:37):
I do it is.
You also can reach my websiteat Tiffany T-I-F-F-A-N-I raycom
as well.
Or you can do the traditionalRayofhoperealityservicescom Dot
com.
Exactly, that's the long way weshortened it.
So they link.
They both go to the samewebsite.
Dwan Bent-Twyford (49:54):
Correct, same with me, correct, okay.
So everyone, uh.
So one more thing for you.
So, uh, if you have enjoyed theshow today, which I know that
you have, because I mean, lookat this angel over here, miss
tiffany ray like a ray ofsunshine I love it and I love
what you do and I love yourheart, because I am just such a
big helping people kind ofperson and when I get another
person like that, I'm justalways like, oh, we need more
(50:16):
people like you in the worldtoday.
So if you guys had fun or live,laugh, learn anything, does
anything at all, I want you tosubscribe to the podcast, leave
a five-star review, because Ican't grow without your help,
and also follow me on YouTube.
I put these podcasts up onYouTube and on my website do
(50:36):
wonderfulcom.
I have free eBooks, wholesaling, short sales, subject to
whatever you want, not sharedhousing.
You got to go, tiffany, tolearn about that.
So okay, so, um, I like all theguests, so leave us with a
parting word of wisdom, but justactually one word.
(50:57):
A word of wisdom, ooh, justactually one word, a word of
wisdom.
Ooh, wow, and it's hard to doright.
Tiffani Ray-Smith (51:07):
Wow, you stumped me and I'm hardly rarely
stumped.
Let me think it's my superpower.
I know right, one word.
Dwan Bent-Twyford (51:19):
Commit, perfect, okay.
So everyone that listensregularly, I tell everyone to
take a little yellow sticky,write the word commit, put it up
on their mirror and then saythe word commit every week.
Commit, commit, commit, commit.
That's the word of the week inthe wonderful family this week.
I never tell guests.
(51:40):
I'm going to ask them thatbecause then what you're doing
through the whole show so you'rethinking about your word, I
like it, and then you think, andthen you change your mind like,
oh, I'm going to say that, andthen it's like I can see people
trying to.
I'm like I just wait till theysay give me a word, because you
know people want to give youword.
What is the part?
They want to give you like a 45minute dissertation.
It's like just give me a word,come on.
(52:00):
Now.
The important part is what doesthat word mean to you?
Tiffani Ray-Smith (52:06):
What it means is definitely not one word.
It means I have a saying in myhouse, and that saying is don't
be offended, ladies.
Action is the man.
So to me, what commit means isdon't be afraid to drive through
the fog, get through it, find away to get it done.
That's what it means to meaction is the man.
Dwan Bent-Twyford (52:28):
No, I like it .
I always do want to askeveryone what it means to them,
because commit means somethingdifferent to every person that
hears it.
We're going to focus this weekon tiffany ray's.
Action is the man and women.
If any women are offended bythat, they need to seriously
grow up.
It's like women.
Stop with everybody being sooffended, like what the hell's
wrong with people.
Yeah, I agree, I just stop it.
(52:50):
All right.
So action is the man right onyour boards, women especially,
and for those of you that arethinking about you know other
things besides rehabbing orlandlording.
I mean, I really feel likeshared housing is a huge thing
and I'm hearing more about itand learning more about it all
the time and I love it and Ireally love the way that you do
it, ms Tiffany.
So, all right, everybody, we'llbe back.
So thank you for being on theshow first off, and everyone
(53:11):
else will be back next week,same bat time, same bat channel.
And remember that the truth isin the red letters.
All right, everybody.
Ciao.
See you, tiffany.
Thank you.
Hey everybody , thanks for being on Tthe most
wonderful real estate podcastever.
I'm your host, dwayne BentonTwyford, america's most
sought-after real estateinvestor, and I have such a good
guest for you today.
I actually met Tiffany a fewmonths ago.
How many months ago, tiffany,do you like?
Six months?
Tiffani Ray-Smith (00:21):
It was back in april.
I think it was april, march,april yep.
Dwan Bent-Twyford (00:25):
So we were on a call together and they had a
panel of you know us top dogfemale real estate investors and
I loved her like I have got toget you on to my podcast.
So I'm excited for us to talkto her today and see how she can
help you grow in your business.
But our motto at Dwanerful ispeople before profits.
(00:47):
So if that resonates with you,you're at the right place.
I'm your girl.
You can go to Dwanerful,d-w-a-n-d-e-r-f-u-l,
dwanerfulcom, and I have somefree e-books and some fun things
to get you started on your realestate investing.
So I took my name Dwan andwonderful, and I made a new word
(01:09):
.
So that's how we came up withDwan Dwan.
So Tiffany, miss, tiffany, ray,how are you today?
Tiffani Ray-Smith (01:15):
I'm great.
Great Thanks for asking andthanks for having me on your
show.
Dwan Bent-Twyford (01:26):
Yeah, I loved when we were on Venaus' panel
and I thought okay, I am notfamiliar with her and she is
sharp, so I hunted you down to.
Tiffani Ray-Smith (01:31):
Cincinnati, born and raised in Cincinnati,
been at this for a while, but Ithink the big thing is that I
had a corporate job for a very,very long time, and so my real
estate.
I would call it maybe my sidehustle, but it really was never
a side hustle, just more so mypassion.
And so I had an opportunity tomove forward, to become
(01:52):
full-time.
10 toes down in real estate,and here we are.
Dwan Bent-Twyford (01:57):
That's it.
That's it.
So we're going to get to allthat, because that's what I
loved about your story as well.
So, first off, I just sort oflike to throw my guests to the
wolves a little bit.
I just want you to telleveryone how to find you on
social media and give us awebsite directly where people
can go to you.
I just like that to be in thevery top of the show notes,
because some people glance overthe show notes, some people
(02:20):
listen, some people watch.
So I want your contact info atthe top, so kind of like, what's
your deal?
Tiffani Ray-Smith (02:27):
Absolutely so .
I am on Facebook, instagram andLinkedIn.
It's Tiffany Ray- hyphen Smith.
So Tiffany, with an I, rayhyphen Smith, you can find me
there.
As far as my business isconcerned, ray of Hope Realty
Services is my baby and you canreach me at TiffanyRay.
(02:48):
com Very simple.
Dwan Bent-Twyford (02:50):
That's it, and I like Ray of Hope because
it's like a ray of sunshine.
But it's Ray, your name, likeDwan.
I love plays on names.
Tiffani Ray-Smith (03:01):
Yeah, it makes it personal for real.
Yeah, it does make it personalfor real, yeah yeah, it does
make it personal for real.
Dwan Bent-Twyford (03:05):
All right, so when I met you on the panel, uh
, so you're gonna have to justhelp me remember a little bit,
because I there was what four orfive of us on the panel that
night yeah, I believe there werefive.
Yes, yeah, and so, and the othergirls, I love them too.
But I saw you, I think I loveher.
I I have to have her on my showfor myself myself.
So you started off in corporate.
(03:26):
So this is part of what I loveis hearing about the journey,
because I feel like most of us.
Well, I am also from Ohio Idon't know, I think I told you
that, dayton so and I'm a littlebit older than you, but not
much.
But I was raised up in that getout of high school, get married
, have kids and go work at thefactory, so like that was what
(03:47):
my whole life.
And then I did work at afactory and I thought, oh, why
would somebody want this for me?
This is the worst thing that'sever happened to me and it was
terrible.
But I feel like most of us,especially women, are just like
either get married and have kidsor, you know, go get a job, and
they don't just go.
Hey, I'm going to just start myown company.
(04:09):
I just don't feel like.
I mean I don't know.
I feel like women.
Our age is just not.
That's not bred into us.
Tiffani Ray-Smith (04:16):
Absolutely not Very much.
From the same generation.
I saw my grandfather go to work.
I did see my grandmother work alittle bit.
My mom was a single parent soshe had no choice in the matter.
But it definitely wasn'tsurrounding a business, it was I
need something stable because Ihave to take care of my kid,
(04:38):
and so that kind of bred herdoing the W-2.
And so I did see hard workersdoing the W-2.
And so I did see hard workers.
So I knew I had to work hard.
But I also, like yourself, itwasn't going to be just a
traditional trajectory for me.
I've always been a lone rangerand cut my own path when a lot
of people did.
Dwan Bent-Twyford (04:55):
So what did you do before you became?
You got into like microdeveloping Because a lot of talk
about your niche, but it's Ilike to hear yeah, because like
I tell people listen I got firedfrom Denny's on third shift.
I was a broke single mom.
I really had no place to go,but up I really.
Who gets fired from Denny's inthe middle of the night, you
(05:15):
know.
Tiffani Ray-Smith (05:18):
Well, such was not my background.
From Denny's, I definitelybecame what I call an accidental
banker.
I was very artistic.
So, to be quite honest with you, dwan, I wanted to be a singer
in the South of France, like youknow, tiffany Ray.
Yay, and quickly, very quickly,I realized that that probably
(05:39):
wouldn't be very fruitful and Icouldn't sustain as a starving
artist.
So I became an accidentalbanker, started in collections
and I asked people for money fordelinquent bills and it was on
jewelry collections of allthings.
So I caught on your watches andyour rings and your necklaces
and, yeah, that kind of stuff onon cards.
(06:00):
We collected on on index cards.
Oh, that's right.
Dwan Bent-Twyford (06:05):
I have.
I still have it's in a box.
I still have my old rolodex andI look back at it sometime.
It's like, wow, half the peopleI don't know, half the people
are dead and you know it's likea sliver of people I still know.
But man, at one point thatrolodex, it's like life, that's
your life.
You lose your book, you're it'slike losing your phone.
You're like, ah, you freak out.
(06:25):
So joy, so.
So, being in collections,especially jewelry collection,
that probably got you over anyfear you ever had of talking to
people absolutely.
People are yelling you stopcalling me and they're screaming
at you, right but I went fromjewelry collections to hospital
collecting.
So I went backwards.
Tiffani Ray-Smith (06:45):
So imagine your kid's sick and you got this
lady on the phone, but, ma'am,you still owe $10,000.
How are you going to pay?
Like, really, that's theirfirst priority, right Is paying
the bill when they're when theyhave it.
Yeah, and it was for children'shospitals, so it was right,
right.
So you're talking aboutpunching yourself in the gut and
(07:05):
taking the fear of askinganybody for anything.
So I I don't have any fear toask anybody for anything and I.
Dwan Bent-Twyford (07:13):
I feel like now you've been investing for a
while now, right?
How long have you beeninvesting?
oh, uh over 30 years okay, so,30 years so, and you deal,
you're on calls and webinars andyou coach and train.
You know similar, we have asimilar what we do, but don't
you find or maybe you don't find, but tell me what you think.
I always, when I do a lot ofthose live works like in
(07:34):
Cincinnati live workshops Ialways ask people like, why have
you not started investingbefore now?
And the number one answer I getis fear, like what are you
afraid of?
And they say, well, I don'tknow what to say.
I'm gonna yell at me like allthese fears, and it's like I
don't really know where thatcomes from.
I guess, because I've alwaysbeen really outgoing and
(07:55):
talkative and and I feel likefear is a big thing, but you are
already doing something thateveryone's afraid of.
Tiffani Ray-Smith (08:03):
Right, ask him for money.
So yeah, I don't know about thefear thing, I don't.
I think it's not really fear.
I think it's people'sinsecurity.
I do, I really think it'speople's insecurity, because
everybody that presents seemslike they just know everything
all at once, but they don'trealize.
(08:25):
Dwan, you've been doing thisfor 40 years, or they don't
realize.
You see what I'm saying, right,they don't realize that if I'm
in a specific strategy, I'vebeen doing it for a long time,
and then I think, with thisgeneration, the other thing is
they expected everything to behanded to them with bullet
points and check checklistpoints, and we've had to dig in
(08:47):
I spent a million to master mycraft yeah, yes, girl, we did.
Dwan Bent-Twyford (08:55):
We had to dig in, like I started off 35 years
ago.
My daughter was a baby and whenI go door knocking there's no
gps.
I had to use a big old mapbooks, and let me tell you, that
in and of itself is a skill andit just you know.
And I'd have to go to thecourthouse.
I hand write all the addressesand, like I do knock on the door
, I got a baby hanging on my hipbecause I'm a single mom and
(09:18):
it's like.
And then people are like Idon't know how to find deals and
I'm just like oh, my god, myGod, I just want to like.
What is wrong with you?
What do you mean?
I don't want to find deals,they're everywhere.
Go to the courthouse and go doorknocking with a paper map and
they'll talk about it Right Now.
How did you so?
You started off as an agent.
Tiffani Ray-Smith (09:39):
No, I'm.
I am not a realtor at all.
Dwan Bent-Twyford (09:42):
Good.
Tiffani Ray-Smith (09:47):
I am not a realtor at all.
Good, I started out accidental,like accidental banker,
accidental investor.
I did my first.
I'm going to call it short sale, cause I know that's your your
baby in 1987.
And it was, but by, by accident, it was a total accident,
didn't even have a name for it.
Back then we didn't know whatthat was.
Nobody was talking about it.
This is when the ITT financialsand all of there was a
(10:10):
financial on every corner whereyou could go get a loan and it
was actually a family memberthat was in distress and I was
actually rooming with them.
I had a room there and theyreally felt dire straits and I
was.
I had a decent job and I wasjust like okay, well, let me see
what I can do with this.
(10:31):
And accidental short sale.
Dwan Bent-Twyford (10:33):
Yeah, that's how I did my first one too.
It was a complete accident, andthen, after it happened a bunch
of times, I thought I'm goingto trademark this.
Tiffani Ray-Smith (10:41):
I love that you did that.
Right, I wasn't.
I definitely did not catch onto that part, because I was like
, oh, this is a fluke, like willthat happen again?
And yeah, it happened again,but I never thought anything of
it.
So, yeah, I became anaccidental real estate investor.
Dwan Bent-Twyford (10:55):
Yeah, I like that term because everyone
always says, well, how did youget in?
And I said, listen, the factthat someone is listening to me
on this podcast they're 100years ahead of me.
Because it was an accidentreally too.
I was just looking forsomething to do from home and
raise my daughter and I met someinvestors.
Oh, we buy them, we fix them up, we sell them.
I'm like, oh, decorating, howhard could that be?
(11:17):
And then it's like it's notdecorating, it's rehabbing, and
it was really hard.
But once I made the first check, I was like, shoot man, I got
all this money, I'm going to doit again and the next thing, you
know, like 35 years go by.
So I like the fact.
I like when I meet someone elsethat like kind of accidentally
fell into it, because it's a,it's like a huge giant blessing
(11:38):
to fall into something that's soamazing, exactly, and then to
actually make a go of it.
Tiffani Ray-Smith (11:45):
Yeah, yeah.
And you think about it and youhear all these things or read
all these things in hindsight.
It's like you know real estateis one of the best ways to
become independent andindependently wealthy and leave
something legacy for your family.
But you read all that like inhindsight.
At the time I was trying tosave somebody from losing a
house, you were trying to makemoney, it wasn't the why.
(12:07):
And then you understand thewhat this is and what it can
bring, and you move forward intookay, I'm, I'm gonna make this
a, I'm gonna make a go of it,I'm gonna really try and go
ahead and do this.
And so where's the fear in that?
I'm trying to make a couple ofextra bucks, and so were you.
Well, what did you have to lose?
Really Nothing.
Dwan Bent-Twyford (12:24):
And that's probably to our benefit.
Yeah, oh, by far, because youknow people now that are sitting
down and like saying, okay, I'mgoing to make a decision, I'm
going to work with Twine, I'mgoing to work with Tiffany.
They're really constantlymaking a decision.
They're terrified because theyread everything.
The internet has so muchinformation that's good and bad.
You don't know who to trust,like you just don't know.
(12:45):
You don't know, like, who doyou trust?
Who do you work with?
You don't know.
So I feel kind of like fallinginto it accidentally and being
naive was probably the bestthing for me that I might have
like overanalyzed it to death oh, knowing what I know now like
it would definitely be too muchinformation.
Tiffani Ray-Smith (13:02):
it would be like being a surgeon and then
going to another surgeon for anopinion way too much information
.
But I've actually, for somestrategies, had to unlearn
everything that I've learnedabout a certain thing you know
and and that is a trait as wellit's like, okay, I'm going to
(13:23):
listen and I'm going to throwthis part out and I'm going to
use this part, or I forgeteverything.
I know that's hard to do, butwe do it and we learn new things
and ways to develop our skillsall the time.
We have to pivot.
That's right.
It is the magical word.
Dwan Bent-Twyford (13:50):
But people don't do that.
They get in, they go.
This is my niche, this is whatI do.
I'm doing this forever, untilthe end of time.
And then markets crash, thingshappen, elections, the things,
and then they're like I don'tknow what to do.
Tiffani Ray-Smith (13:56):
It's like pivot.
Well, I'm going to say this,and I know you have a lot of
listeners out there and yougentlemen out there that are
listening to us.
We think you are very awesome,but us gals, especially us
single moms that had to do itthat way, pivot is that that is
a skill that we should put on aresume, because you learn how to
make a little out of a I mean alot out of a little and I think
(14:17):
that definitely helped that.
That fright thing in your belly.
Dwan Bent-Twyford (14:21):
Yeah, it does .
It does.
So you got into your niche, andwhat specifically is your niche
?
Tiffani Ray-Smith (14:28):
Right now, for the past almost four years,
is shared housing or co-living.
That's my niche right now.
Dwan Bent-Twyford (14:36):
And see now, I love that.
And do you know that as much asI know about real estate, I
only discovered this conceptlike two or three years ago.
I was like what People do thatLike Pad-splitting the, the
houses and the bedrooms, that Iwas like that's a thing.
So I didn't even like and I'vebeen investing in 35 years.
(14:57):
And when I found out it waslike fresh news I never heard in
my life.
It's like I got 30 years in andI just found this out a few
years ago.
Tiffani Ray-Smith (15:04):
Yeah Well, I actually know, I bet you that
you you didn't.
You just never looked at itthat way.
So when, oh yeah, because whenI was growing up, my
grandparents had theneighborhood home and there was
always someone in our atticupstairs that didn't belong to
our family, but that was ourmagical cousin.
(15:25):
Oh, they're just staying heretill they get on their feet.
So boarding houses have beenaround forever and a day.
Yeah, really, when you thinkabout it in hindsight, dwan,
that's all this is is justboarding houses on steroids.
Dwan Bent-Twyford (15:41):
Yeah, it is.
Tiffani Ray-Smith (15:42):
Yeah, that really is yeah.
So, and our parents and ourgrandparents did that thing.
Dwan Bent-Twyford (15:49):
You bring your family up from another
state and they stayed in oneroom, they were in your house
yes, my aunt, she's 97, god loveher, she's still alive and she
was telling me some stories,like when she first got out of
like high school college shewent to live in dc this is from
tennessee, if I'm like, I meanlike almost like a holler to
live in dc and stayed at aboarding house.
(16:11):
And you know, now I'm like, ohmy gosh, weren't you scared like
just you move on by yourself.
I said no, I just took a train,go to a little boarding house,
I'm paying for my room andthey're making my meals.
I was like I love that, but youknow, I think it's because it
was called boarding houses.
So I don't think about it as aswhat it is.
Tiffani Ray-Smith (16:27):
It's, it's a, it's a big thing it is, and you
will hear a lot of namesco--living group homes, shared
housing, I mean there's a wholelot of nomenclature around it.
But I definitely think thatbecause the housing crisis is
(16:48):
upon us and right now the pricesof rents are steady and they're
still climbing in a lot ofareas, but the cost of living
just has not kept up, and so itmakes you wonder, like, is this,
you know, going to really bethe next thing?
And then you got the generationthat, the millennials.
They don't really care to havea house and two kids and a dog
(17:10):
they want to hang out with theirfriends, and so they live
together anyway, so it just likeokay they do.
Dwan Bent-Twyford (17:17):
So someone is hearing this like, hey, I like
this shared housing.
Yeah, I.
I don't even know if themillennials even know the
concept about what a boardinghouse is right, I feel like our
generation might be, like theboomers might be, or the ex-gen
x's might be like the last onesthat know of that, because we
saw that happen.
Like I remember aunts andpeople staying and my
(17:39):
grandparents always had somebodyand I was like, oh OK, and so
so someone's like, hey, I likethe idea.
What would be like a first step.
What would someone do?
Well, first explain the concepta little bit more better.
So I have a house, I don't know.
I have a three bed, two bathhouse.
I want to make a shared housing.
What do I do with it?
Tiffani Ray-Smith (17:58):
Yep, so it first, first thing.
First, you would need todetermine the type of shared
housing facility that you want,because, if you think about it,
there's everything you could doa granny pad or as I call them.
You know, boomers like boommates.
I call them boom mates, that'sthe the name I like you could
(18:21):
try you should trademark thatyou know what?
I said it enough.
I probably should likeroommates is.
Dwan Bent-Twyford (18:27):
That is a trademarkable term, okay,
because there are like 70million.
I'm a boomer, so there's like75 million of us, right?
And people don't want to livein a big old house alone.
That's right.
And boomers I, you know all myfriends, were active.
We go out on boats and we buy,ride bikes and we hike and we
(18:50):
camp and we ride paddle boardsand we're not like our grandmas,
my grandmas that were likeknitting and canning food and
working in the garden like theyhad to survive.
We're just like hey, instacart,drop it off.
We're going over there and I, Idon't want to.
Should I end up being a widowbefore you know my husband?
(19:11):
I don't want to just like liveall by myself.
Of course, not Like who would Ibother all?
Tiffani Ray-Smith (19:16):
day you would have a boom mate.
Dwan Bent-Twyford (19:18):
I'd have a boom mate.
Yeah, okay, tell me right now,trademark it girl.
Okay, I will look at that.
I promise I got a boom mate.
And how does that happen?
Tiffani Ray-Smith (19:31):
Yeah.
So we were saying, boom mates,you can do it for veterans, you
could do it for sober living,you could do mentally challenged
behavioral.
So if you think about it vastly, there's all these niche
markets you can go after.
I'm looking for people to rentby the room and maybe they're
(19:54):
just going to be professionalpeople.
They could even be the like youdo the short term with the
furnish finders for nurses.
You could even go after them.
So you need to determine whatarea you want to look for, or
service, because that'sbasically you're being of
service.
What's your favorite Right now?
I started with mental healthand alcohol behavioral disorder.
(20:23):
Right now, my go-to is re-entry.
So if you understand thepopulation, you know that there
are a lot of people that arebeing reintroduced back into
society from the criminaljustice system.
Yeah and yeah.
So reentry is a big thing.
(20:44):
They come with a stigmatismbecause of their background.
However, they have served theirtime enough that either they're
on parole or they are released,and they have typically no
credit or diminished credit theydo have.
They're hard workers becausethey don't want to go back.
(21:04):
Yep, they pay their rent ontime, they will take care of
your place, and so right now, myspecialty is for re-entry
clients, and mostly are men.
Dwan Bent-Twyford (21:15):
And I really do like that because I have an
uncle that was in and out ofjail all the time and he had
mental illness.
He is schizophrenic, but youknow, back in that day they just
, I mean, gave people shocktherapy and all the really
tragic things that they did.
But my uncle, elmo, he was likeour favorite because he was
like a big giant kid and he hadall these.
He was in and out out jail allthe time and sometimes he'd be
(21:37):
like I'm just gonna go breakinto someone's house so I can go
back to jail for a whilebecause I just I don't know what
to do.
And I can remember him sayingthose words to me and then they
go Elmo's back in jail.
I was like, yeah, but I thinkElmo wants to be there.
He just he didn't know what todo or how to get out, you know,
because I mean he's been passedaway for a decade and he was 80
(22:00):
then, so I don't think he everknew how to get back out there
right and I mean, and that's areal thing, um, there are a lot
of wraparound and bridgeservices for these guys, um,
when they re.
Tiffani Ray-Smith (22:15):
But the main thing is, I think, that they
just need somebody in theircorner.
So a lot of their friends havemoved away.
Maybe their family is who theydid something to.
They don't want to be botheredwith them, or at least they
don't want to be in their house.
They understand that if theyhave some place to live, like
that's half the battle.
And then you know, gettingsomething to eat, that's the
(22:36):
other half the battle, and it'sjust knowing that somebody's in
your corner that really doescare about you being a
productive citizen.
But to your point, yeah, theycall it three hots and a cots.
I know what I'm getting whenI'm in jail I'm getting three
hot meals and I'm getting a cotto sleep in and I don't have to
worry about anything.
So a lot of these guys haven'teven transitioned into society.
(22:58):
They don't even know how toopen a bank account.
Blind, they don't know anything.
So you, just I have a sheet onmy wall and it's got all of
these services in them that Igive them a support sheet.
Here are the places that youneed to call.
Here are the people, my contactpeople.
This is going to help get youstarted, you know, and down down
(23:20):
to the toothbrush, like I'vegot dentist office that I've
gone to and say, hey, you know,I've got I'm onboarding five
guys and I need dental hygienestuff.
They'll give it to you, theyreally will.
Dwan Bent-Twyford (23:30):
You're going to have a thing, You're going to
be a saint.
You got like a saint namedafter you.
Take that Because you know whatPeople are afraid of criminals.
But then I look at my uncle andhe would say, well, I get three
hots.
And he would say that.
And then the next thing, youknow, he'd break into somebody's
(23:50):
house and just like, okay, theycalled the police and he's like
so eventually we got him put ina place for his mental illness
because that's what he needed.
But I mean I just don't thinkpeople realize unless maybe
you've been an actual part ofthat people realize how hard it
is to get back because people dolike, oh, you're in jail, what
are you in jail for?
I don't want you around me ormy kids like what did you do?
And like for life to have thisbig stamp on your head.
(24:12):
That's like I'm a, but I'm suremost of us have done things
that could have landed us injail.
Tiffani Ray-Smith (24:19):
Yes, ma'am.
Dwan Bent-Twyford (24:22):
I bought and sold my fair share of drugs and
I did not get arrested.
Okay, so you make the decision,because I like let's talk about
re-entry, because that is, andmentally ill things, those are
really highly overlooked, I feel, and like the boom the boom
mates.
I think those people can, youknow, they can organize it.
So we want to do somethingthat's really super useful to
(24:44):
the community.
Want to do re-entry.
I want to buy a house.
What do I need?
What am I looking for?
Tiffani Ray-Smith (24:50):
um you're looking for.
It depends on your risk, yourtolerance.
Personally, I believe thateverybody needs their own place
to unwind, detox, think, andthat's one person behind the
door.
I have some friends in otherareas and states that do.
Two people to a room.
That feels very like a sardineto me, like in a can, all
(25:14):
squished up.
But you can do it.
It's legal as long as the roomis large enough.
I just happen to not like that,yeah.
Dwan Bent-Twyford (25:22):
I wouldn't like that either.
I'd be like what if I want tolike fart in the middle of the
night?
That's it right.
Tiffani Ray-Smith (25:27):
I can't do that with care, like there's no
freedom and all Right.
I need my own space to thinkRight.
So you need to decide how manypeople you want in your room,
because more people they canhave a tendency to live hard in
your place.
And you also need to decide dothey need all that extra common
space?
So a lot of my common space.
I don't need a living room anda dining room.
(25:48):
I combine those so that there'sa living dining room together
and then usually I end upconverting my living room to a
bedroom.
That's what typically happens.
So you want your bang for yourbuck and you want to convert.
Dwan Bent-Twyford (26:03):
You have like three bedrooms and you have a
big living room and maybe itmade two more rooms, that's
right.
You have five bedrooms, that'sright.
And then you have a kitchen andlike a dining area, and what
about?
Then people pay by the room.
So what about?
Like?
These are things I would thinkabout.
(26:23):
What about, like housekeeping?
Tiffani Ray-Smith (26:26):
you eat somebody else's groceries like
you put your name on yourgroceries in that, and when you
work in the fridges, my yogurtso let's, let's talk about that,
because I learned I skinned myknees on that the hard way,
thinking that hey, if somebodyputs something in the
refrigerator, of course you'renot going to touch it, like
that's, but you don't thinkabout the fact that people may
(26:48):
be hungry and they may not havehad money to buy something.
So when my, my goal is four toone for the bathroom, so I like
to have a bath and a half if.
If there are more than fourpeople you're better off with.
Guys are share, can share lessbathroom space than women.
(27:09):
They just can't.
That is true, we're in it right.
So it depends on who you'reservicing female or co-ed, when
you think about that.
Also, the refrigerators Ilearned that I thought it was
one refrigerator was good to goand you know everybody was just
going to fare OK and nope.
So when I go to the person, Iadd another refrigerator and
(27:31):
then I assign cabinets, and thenI assign cabinets and in the
kitchen.
Dwan Bent-Twyford (27:36):
you have multiple refrigerators.
Yeah, and then people areassigned.
What a good idea.
Tiffani Ray-Smith (27:41):
Yeah, I assign cabinets.
So there's a common cabinet,there's a free for all.
Like, if somebody goes to thestore and they don't want
something, you put it in thecommon cabinet, nobody is upset
about you taking it.
If I stop at the free store,there's a common cabinet, nobody
upset about you taking it.
If I stop at the free store,there's a common cabinet, nobody
cares if you took it.
And I assign colors.
So you know the little dotswith the green, orange, yellow,
(28:05):
yep, everybody gets a color.
If you have something in therefrigerator, you you get a
little pad of colors.
When you move in you put yourdot on your thing.
Dwan Bent-Twyford (28:14):
That's your color and everybody knows whose
color is what well, I reallylike that, because that would be
the first thing I would thinkof.
It's like I have leftover pizza.
I want to eat it.
At midnight I go down there andit's gone.
It'd be like yeah, where is myfood?
Tiffani Ray-Smith (28:30):
yep so, and people have almost had
fistfights over food.
So one thing that I do is nocameras, of course, in bedrooms
and bathrooms, but my entrywaysand my kitchen is monitored,
period.
I can't have theft, and a houserule is in this house.
I have a motto In this house wedon't hurt people, and hurting
(28:52):
people could be stealingsomething from them.
It could be aggressive talking,calling them a name, hitting
them, but if you steal somethingfrom somebody, it may be their
last.
You hurt them, you injured themin some way.
So that is grounds for awriteup, depending on the person
the other, the person that youknow you did it to or or removal
.
I have asked people to leavebecause they've so, and those
(29:15):
are my house rules.
You sign those when you come inthe door.
Dwan Bent-Twyford (29:18):
this is how we operate here I think, and you
know rules like I mean likeright now this week I've got two
of my grandkids.
I've had them for like 15straight days.
They're four and eight.
Well, my house and my rules aredifferent than where they're at
, and I was just the first week.
It's like, oh my god, I justgotta get these kids.
Like these are the rules atmimi's house.
Like if you break these rulesI'm gonna bust your butt.
(29:39):
Like because people have tofunction.
Not everybody has the samecommon sense and not everybody
values the same thing.
So I feel like you it ruleswithout rules like it would
never work.
Even living in a house withyour own kids and your family
and your moms and dads orwhatever.
Rules are important.
Tiffani Ray-Smith (30:00):
They are.
People just have boundaries.
We have rules.
We have rules.
We stop at the stop sign, westop at the red light.
You don't leave the grocerystore without paying for it.
There are rules all over theplace.
They'll just not post it.
We just grow up with them.
Yeah, over the place.
They'll just not post it.
We just grow up with them.
Yeah, you know and and they geta copy.
But I also do have posterboards so that I can communicate
and their rules on the postboard.
(30:21):
Here they are, they're in plainsight so you can see them.
Dwan Bent-Twyford (30:24):
I'm not hiding it I'm not making them up
, they're right.
So now you can't maybe give anexact amount, but let's just say
you have I don't knowcincinnati, ohio.
You have a house that ends upbeing a five bedroom and the
average rent so I don't reallyknow the rents in that part of
the country that rent is $800 amonth for a house like that.
How are they paying per bedroom?
Tiffani Ray-Smith (30:44):
Right, so the easiest way I find to, because
it's different in differentneighborhoods- yeah, it is.
Yep, so it depends on where yourhouse is, how easily accessible
it is to the bus stop.
All the same things you woulddo to look at what you were
going to price your regularrental.
Yeah, you're going to look atto see what you're going to
(31:04):
price this particular rental.
So is it a moderately upgradedhouse or does this house have
stainless steel?
And you know, it depends onwhat you're doing.
Okay, so, modest to to nice, toyou know b, quality, you know c
, cd to b, so you're, so you'reeverything in between.
(31:25):
And then I'm looking at what astudio would rent for in that
area.
I'm also looking for what a ifthere's an extended stay.
Oh, that's a good idea.
Dwan Bent-Twyford (31:38):
Extended stay yeah.
Tiffani Ray-Smith (31:39):
Because there's no, there's, there's no
precedence on how to do thisthing Right.
I don't know.
Dwan Bent-Twyford (31:44):
I'm thinking on a new charge.
But yeah, extended stays.
I have used those a couple oftimes where I just get like six
weeks someplace and it's like,ah, I clean the room twice a
week, I do laundry.
I got to clean the room twice aweek, I do laundry, I get my
groceries, that's all right.
So that's a good idea.
You look like an extended stayby the month.
Tiffani Ray-Smith (32:06):
Yep, I'm looking at that.
And then it's who is yourclientele?
So of course, if it's are-entry, just a regular veteran
, and you're not providing anyservices, just the room, then of
course I have internet and allof mine and usually washer and
dryer is on site, if I can dothat.
But a typical house that youwould rent for anywhere from
maybe $1,200 to $1,800, I'mprobably going to get double,
(32:31):
maybe even triple that.
Dwan Bent-Twyford (32:33):
Okay.
So let's say we have a $2,000,.
I'm just going to do a supereasy math.
We have a $2,000 a month house.
You have five bedrooms, soyou're making like $4,000 to
$5,000 a month thing that you dowith your equity and your rent
thing.
Tiffani Ray-Smith (33:00):
That I think would bode really well with this
and we definitely could talkabout it.
But I will tell you this.
So what it does for me is mostof my home own homes I've owned
because that was my strategy,but now I'm starting to get into
the place where I'm master,leasing some of them.
So you bring stability to thehouse because you know you can
(33:24):
afford that particular X marks,the spot payment, and you don't
have to worry about it notincome producing, because it's
not one tenant, it's not oneresident, you got five.
That's right's right.
Even if somebody falls off, I'mstill churning like the whole
time I'm just always marketingfor that replacement person and
(33:46):
and, and, so you're neverwithout rent in that property at
all.
There's always something comingin the door, so I mean it's
like, and you're fulfilling aneed for them.
It's really win-win, it reallyis.
Dwan Bent-Twyford (34:02):
Yeah, no, I love it.
I and I've talked to a fewpeople that do it and I think
one guy I talked to was doing itlike for nurses.
I know a lot of people do itfor like medical and executives
and traveling, but there's somany people out there that are
not executives or nurses thatneed like the mentally ill and
people coming back in re-entryor people that have had drug and
(34:23):
addiction, Like those are thepeople nobody wants to help.
Tiffani Ray-Smith (34:27):
Yep, and there's a whole business to be
made out of this.
It really is.
It started out as a what am Igoing to do with the house?
And somebody needed a place tostay and it's oh, here's the
thing, let me rent the room Seehow this works.
And oh, that really works.
It's like you just kind of fallinto it and you creatively,
(34:47):
magically I call itautomagically it automagically
comes together.
I love those words.
Yeah, I thought you wouldappreciate that Automag
magically.
I do love that I can add the newword for me I magically come
together and you're and you'rereally helping someone and
you're, you're my.
(35:07):
My houses are the cutest houseon the street.
It's well manicured.
They don't have to worry aboutthe you know the, the noise
thing.
They don't have to worry aboutthe.
They don't even know that it'sa shared house.
The neighborhood like nobodyeven knows.
But I do go to the neighborhoodmeetings and let them know.
This is who I am, this is whatI'm doing, this is how you
(35:30):
contact me.
Here's my why.
You know, here are mycredentials.
And oh, by the way, should youcome to the door, there's
something on there that saysthis is a shared facility.
If you have any questions,please contact Tiffany Ray.
But it's helping to stabilizesome of.
You're talking about thatparticular entry re-entry person
.
They're going to go to that DCarea, probably where they can
(35:53):
afford.
But having a person likeyourself or myself invested in
that property is going to helpbring up the property value,
because that's what we do,that's right, yeah, no, I do
like it.
Dwan Bent-Twyford (36:04):
I live.
We have a house in floridathat's in a gated community and
they have an hoa and, like Inever go, it's like listen, I
travel all over.
I don't have time to be goingabout who's arguing about
someone had weeds in their yardand I don't care.
But we get, I guess, an emailevery meeting and say, hey,
we're doing this and this andthis.
And there was an email thatcame out a few months ago
(36:27):
So-and-so wants to make theirhouse a halfway house.
Yeah, I mean, the neighbors hada meltdown and I was like, ok,
but like it's a halfway housefor people that are trying to
get back in.
So this is me like, with novotes whatsoever, because I'm
not on the board of anything andI'm I'm one of like 300 people.
I was like, yeah, but peopleknow I don't want next to my
house but next to your house.
(36:47):
But if they were next to myhouse I'd probably help them.
Tiffani Ray-Smith (36:51):
Right, so I understand.
Dwan Bent-Twyford (36:53):
And I mean it was like the neighborhood was,
they were, oh my God.
The emails went back and forth.
I was like what the hell iswrong with all you people?
Tiffani Ray-Smith (37:00):
It's the stigmatism, the stigma that
comes with it and you get thatnot in my backyard is real,
that's a real thing.
Dwan Bent-Twyford (37:09):
That's what everybody said and it's on a
different street and I mean totell you people were putting
signs yeah, children live here.
We don't want people coming outof halfway houses in our
neighborhood and I was like,yeah, but lots of people have
issues with drug and alcohol andthey do and all that things,
that doesn't mean they're goingto be horrible, crazy maniacs
(37:30):
for life.
I mean, like I don't know, andthat was what everybody said,
not in this neighborhood, thisis a gay community.
Well, the person that owns thathouse doesn't mind, and right
why should you?
I don't mind and half thepeople in here 90 people don't
mind.
But, man, I never saw such afight in my life between I was
like dang people.
Tiffani Ray-Smith (37:50):
it's real, it is.
But you, you have to convincethem, um, that you run a tight
ship and that is, I think, wheremy corporate background comes
from, in being able to run atight ship and I tell them we
have rules, we have regulationsthat we abide by.
You know, here's all of mycriteria.
(38:10):
I'm doing a background check onpeople before they come.
If you don't want them ifthey're you know an SO because
you don't want them if they'reyou know an SO, you don't want
them close to children, you knowyou don't want that yeah, yeah,
you have to onboard the rightperson.
The right person for the rightproperty.
That's a big thing yeah, itreally is.
Dwan Bent-Twyford (38:29):
And, like I said, most people I have talked
to do like executives, that'slike well, that's it.
And you know, I think I've justalways.
I've always volunteered, likewhen my daughter was little, we
volunteered at the YWCA and theyhad the women that literally
like left their house at two inthe morning with their kids and
got picked up by a van and leftthe house with their backpack
and they're like you know,they're behind a gate and
(38:51):
there's guards, and like thesewomen are a really abusive
situation.
And so so I volunteered once aweek and I would babysit all the
kids while the moms were incounseling.
And they're like you just can'tbelieve we can't get people to
come and babysit because they'reafraid some ex is going to show
up.
I'm like, well, there's like 20foot fences out there with razor
wire and you got guardseverywhere.
(39:11):
I feel safer in here than outthere, I don't know.
So even then I was like helping.
I told my daughter listen, youknow, people need help.
Women, like they're in abusiverelationships, they need help
getting out.
And the same thing like withyou, like there's all kinds of
places where people need levelsof help and most people just
want to do the easy, like mailin a check somewhere and call it
(39:32):
, and not like do anything aboutit and not like do anything
about it.
Tiffani Ray-Smith (39:36):
When you think about it, duondo, at the
very core of our American values, we have rights, we do.
We have rights.
There's amendments Firstamendment, second amendment we
have a quality of life standardand so when people do something
and they have paid for it,whether so so say, your crime is
(39:58):
a white collar and you payextra penalties for it, you
still paid for it, so it doesn'tstay with you forever.
Okay, so aren't people entitledto clean and safe and quiet,
affordable, healthy environmentfor them?
Right?
I mean, that's just like the atthe very core of our american
way is like what we expect forourselves, shouldn't you expect
(40:22):
that for others?
Like, aren't they entitled tothat if they can?
Okay, this is that I love it.
Dwan Bent-Twyford (40:28):
I like the fact that, like, like I said at
the beginning, my model ispeople before profits and you
have like a heart for people anda lot of investors.
I mean, I love all investors,but a lot of investors are
really more about the money andwhat can they do for me and
people.
I don't find that everybodywants to necessarily like kind
of give and help and give backbecause we you know, it's like
(40:50):
anything we don't want to lookat the homeless people, they
don't want them in ourneighborhood and we'll just like
put some money over there butno one wants to actually go and
help.
But this is the best of bothworlds.
Tiffani Ray-Smith (41:02):
This is blended, though it's the best of
both worlds because you, as ainvestor, if I would say, you
know, dwan, I have thisopportunity and I'm going to do
a 20 bedroom and this is whatit's going to be, so there's a
social component to it that youmay want to put your money.
Maybe you don't want to be ahouse man, maybe you don't want,
(41:22):
or maybe you have the housethat I'm going to lease and I
stabilize that asset for you.
I need a lease and I want threeto five years because I don't
want.
So I'm going to guarantee you,you know one, so that is a
safety net for you.
Then, if you're the owner ofthe property, you're making two,
three, four, five times theamount.
(41:45):
So I mean it is a win all theway around.
I don't see the bad in this atall.
Dwan Bent-Twyford (41:51):
I don't either, yeah.
I don't either, but as a womanthat's 65, I'm like boom mates.
I want a boom mate.
Tiffani Ray-Smith (41:58):
Don't you just love that?
Dwan Bent-Twyford (41:59):
I love that so much.
So I have a lot of friends thatlive in the villages in Florida
the little golf cart communitythat's known the world wide and
I mean there's three or fourwomen all living in houses
together and they just have thebest fun.
They go to happy hour at like 3in the afternoon.
They're drinking, they have thebest fun.
They're going to happy hour atlike three in the afternoon.
(42:21):
They're drinking.
They're playing golf, they'reriding their golf cars.
It's like living their bestlife.
That's a boom mate.
That's it.
I love all that.
Let's jump topics for a minute.
What's your favorite band ofall time?
Let's talk about music, oh,music.
Tiffani Ray-Smith (42:34):
Band.
Oh, now, if you have a singer, Iwill be able to do that, oh
singer, I can give you that oneright away, because remember, I
said I wanted to sing in thesouth of france, remember I told
you that?
Okay, my favorite singer of alltime, barbara streisand.
Oh man, she is so good, right?
Angelic, yes, and she singswith angels.
(42:59):
Now the band thing I'm gonnahave to think about that.
I never really, and I grew upin a in a band.
I grew up with a band in ourbasement.
My um stepdad played bass, andso there was band practice three
times a week in my house yeah Ilove music.
I think music is like it's partof your soul.
Dwan Bent-Twyford (43:18):
You can tell a lot about people but the music
that they listen to, yes yeah,and some people are like I don't
ever listen to music.
It's like what?
How could you listen to music?
Every song equates to a memoryyes, like music is.
Tiffani Ray-Smith (43:33):
Music is something I have a favorite
movie, the Matrix.
I love the Matrix, the Matrix,and people meet me and they go
like are you a sci-fi?
And then I put up the Live Longand Prosper and they go oh my
gosh, you's a truck yeah.
Dwan Bent-Twyford (43:53):
Girl.
Yeah, I just did that.
I'm like my husband's, likewhat are you doing?
Tiffani Ray-Smith (43:57):
I'm like Live .
Are you doing?
Live long and prosper.
Dwan Bent-Twyford (44:00):
How do you not know that?
Yes, that's why I love you.
Any Trekkie is always afavorite.
What's your favorite part ofthe day?
Tiffani Ray-Smith (44:11):
I think my favorite part of the day is
going to be early evening.
Yeah, it's when you might catcha breeze, it's when the sun
might be setting, so you get thebeautiful landscape.
Yeah, I just I like everythingabout it.
I'm a driver, so I don't knowif I told you I commuted to
colorado for six years from ohio.
(44:33):
You committed wow, yes, when Isay I mean like the 17 hour
drive commute.
Oh shoot that commute.
Yeah, that's a drive.
Yeah, my husband worked therefor six years.
We had a house first inLakewood, then we moved to
Pueblo South and I would driveonce a month and the evening
(44:55):
that evening, right before thesunset, and I will be coming up
over the mountains I can seeColorado Springs.
Oh my God, it's the mostpicturesque thing.
I could never erase it out ofmy brain and I think that's when
I fell in love with that timeof day.
Dwan Bent-Twyford (45:09):
Yeah, you know, it's funny because we live
in the actual mountains, so welive at 9,000 feet, and 90% of
the people I interview are likeoh, I like the morning I get up
at five, I work out and I waslike, I don't know, I mean
living in the mountains.
It's like when that sun startsto go down, everything is just,
it's like wow, it's beautiful,this is.
God's country right here.
Tiffani Ray-Smith (45:28):
Yes, it is beautiful.
So you know exactly what I'msaying.
I know exactly I'm always likeno evening.
Dwan Bent-Twyford (45:39):
When the sun's going to change, it's like
you can't.
You can't do any.
That's just amazing.
So what is your biggest goal?
So I have two more questionsfor you.
So what is your biggest goalthat you have right now, and how
can this wonderful family helpyou?
Tiffani Ray-Smith (45:51):
biggest goal, um it, it, you're.
This is.
This is so funny.
So I, when, when I'm speakingand we're talking about real
estate, and why?
Because you always have to havea, why, yeah, um, I ask people
how many people in here knowyour great grandmothers,
(46:12):
grandmothers, grandmothers,grandmothers?
So five generations name, andnine times out of 10, the room
is dead silent and they don't.
And I tell them it's becausethey haven't left them anything.
But if they left them something, I bet you they would know
their name.
(46:32):
So my goal for my family isfive generations deep for them
to know grandma Tiffany's name.
So that is my goal.
I love it and it's a big.
It's a big one, it's a big goalgenerational wealth.
Dwan Bent-Twyford (46:46):
It's a big thing, hey.
The bible says it's a blessingthat.
Tiffani Ray-Smith (46:50):
Hey, that's all right.
You, hey, you gotta think big,think big right.
Um, how can the DeWine family,ben Twyford's, helped me?
I believe that you guys havesome strategies that you have
worked with for a very long timethat will fit well into what I
think shared living is the nextblue ocean for sure, and I think
(47:13):
figuring out how to maybecombine some of that stuff and
teach other people how to do itso that they can have a
five-generation dream too, wouldbe really super cool, awesome
okay, so everybody's a wonderfulfamily.
Dwan Bent-Twyford (47:24):
You got to get engaged now yeah you, uh?
Do you help and teach peoplehow to do this?
Tiffani Ray-Smith (47:31):
I'm working on it.
Um, I do host the um.
We started our focus group for,in my particular RIA, our
inaugural meeting was March, sowe're four or five months in and
I'm working on a few things,but I'm here for questions all
the time and eventually, yeah,it would be cool to Well, it
(47:54):
would be cool to get that somekind of package where you can,
uh, you know, teach people howto do it, but then they can,
like you know, like we do,coaching and mentoring.
Dwan Bent-Twyford (48:01):
Yeah, because that is like, especially, like
you know, with prices going up,up, up, up up and people can't
afford groceries, and you know,shared housing makes sense, but
I feel like a lot of people likeI wouldn't even know where to
look for that to do live in one,right, not to do it, but just
to live in one.
So I feel like that's somethingwhere the word needs to be out
(48:22):
more than people like hey,listen, there's shared housing,
there's this.
I can teach you how to do itand and make it.
I don't know, like um more,where people think of it yeah,
it's, it's come, it'll be athing, you know.
Tiffani Ray-Smith (48:36):
It's just, I guess, like when short-term
housing was new, nobody knewabout it.
You had to make it a thing.
So I'm trying to make it athing.
Dwan Bent-Twyford (48:42):
Okay, I'm helping you make it a thing,
girl.
I know Airbnb.
When I first came out, I waslike what?
You ran out of your house for aweek.
Who would do that?
Well, I stay in them all thetime now.
So it's just.
I mean it's good for anybodyreally for anybody and anything
(49:03):
traveling or reentry or anything.
But I feel like it's a goodthing for women too, because if
you're a single woman and maybeyou're 40, 45, 50, kids are
growing up.
It's like it's nice to havelike roommates, but not like
friends who are roommates whereyou ran your friendship over.
It's like it's nice to havelike roommates, but not like
friends or roommates wherethat's right.
You ran your friendship over.
Like you just have people thatyou like.
You can talk and hang out witha little barbecue backyard.
Tiffani Ray-Smith (49:27):
Yeah, we did a barbecue Saturday.
It's just a cooperative living.
That's what it is, that's it.
Dwan Bent-Twyford (49:32):
I love it.
Ok, so people can Do.
You have a website for peopleto go to.
I love it.
Okay, so people can do.
You have a website for peopleto go to.
Tiffani Ray-Smith (49:37):
I do it is.
You also can reach my websiteat Tiffany T-I-F-F-A-N-I raycom
as well.
Or you can do the traditionalRayofhoperealityservicescom Dot
com.
Exactly, that's the long way weshortened it.
So they link.
They both go to the samewebsite.
Dwan Bent-Twyford (49:54):
Correct, same with me, correct, okay.
So everyone, uh.
So one more thing for you.
So, uh, if you have enjoyed theshow today, which I know that
you have, because I mean, lookat this angel over here, miss
tiffany ray like a ray ofsunshine I love it and I love
what you do and I love yourheart, because I am just such a
big helping people kind ofperson and when I get another
person like that, I'm justalways like, oh, we need more
(50:16):
people like you in the worldtoday.
So if you guys had fun or live,laugh, learn anything, does
anything at all, I want you tosubscribe to the podcast, leave
a five-star review, because Ican't grow without your help,
and also follow me on YouTube.
I put these podcasts up onYouTube and on my website do
(50:36):
wonderfulcom.
I have free eBooks, wholesaling, short sales, subject to
whatever you want, not sharedhousing.
You got to go, tiffany, tolearn about that.
So okay, so, um, I like all theguests, so leave us with a
parting word of wisdom, but justactually one word.
(50:57):
A word of wisdom, ooh, justactually one word, a word of
wisdom.
Ooh, wow, and it's hard to doright.
Tiffani Ray-Smith (51:07):
Wow, you stumped me and I'm hardly rarely
stumped.
Let me think it's my superpower.
I know right, one word.
Dwan Bent-Twyford (51:19):
Commit, perfect, okay.
So everyone that listensregularly, I tell everyone to
take a little yellow sticky,write the word commit, put it up
on their mirror and then saythe word commit every week.
Commit, commit, commit, commit.
That's the word of the week inthe wonderful family this week.
I never tell guests.
(51:40):
I'm going to ask them thatbecause then what you're doing
through the whole show so you'rethinking about your word, I
like it, and then you think, andthen you change your mind like,
oh, I'm going to say that, andthen it's like I can see people
trying to.
I'm like I just wait till theysay give me a word, because you
know people want to give youword.
What is the part?
They want to give you like a 45minute dissertation.
It's like just give me a word,come on.
(52:00):
Now.
The important part is what doesthat word mean to you?
Tiffani Ray-Smith (52:06):
What it means is definitely not one word.
It means I have a saying in myhouse, and that saying is don't
be offended, ladies.
Action is the man.
So to me, what commit means isdon't be afraid to drive through
the fog, get through it, find away to get it done.
That's what it means to meaction is the man.
Dwan Bent-Twyford (52:28):
No, I like it .
I always do want to askeveryone what it means to them,
because commit means somethingdifferent to every person that
hears it.
We're going to focus this weekon tiffany ray's.
Action is the man and women.
If any women are offended bythat, they need to seriously
grow up.
It's like women.
Stop with everybody being sooffended, like what the hell's
wrong with people.
Yeah, I agree, I just stop it.
(52:50):
All right.
So action is the man right onyour boards, women especially,
and for those of you that arethinking about you know other
things besides rehabbing orlandlording.
I mean, I really feel likeshared housing is a huge thing
and I'm hearing more about itand learning more about it all
the time and I love it and Ireally love the way that you do
it, ms Tiffany.
So, all right, everybody, we'llbe back.
So thank you for being on theshow first off, and everyone
(53:11):
else will be back next week,same bat time, same bat channel.
And remember that the truth isin the red letters.
All right, everybody.
Ciao.
See you, tiffany.
Thank you.
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