September 30, 2025 • 37 mins
Jimmy Rios shares his innovative "Eye Level to High Level Program" that helps real estate investors leverage debt structures to maximize returns and elevate their businesses through proper structuring and stabilization. He emphasizes the importance of having a clear blueprint before investing to avoid costly mistakes that can derail both finances and confidence.
• Going slow to go fast - taking time to properly plan leads to better long-term results
• Credit repair as a crucial first step - pull a TriMerge credit report and use ChatGPT to analyze it
• Creative financing solutions can help investors recover from foreclosure faster than traditional paths
• Time is your most valuable asset - focus on money-making activities rather than trying to save money by doing everything yourself
• Balance between entrepreneurship and family life is essential for sustainable success
• Shifting from a scarcity mindset to an opportunity mentality opens doors even in challenging circumstances
Find Jimmy Rios on YouTube at Rios Business Funding and on Instagram at @riosbusinessadvisors to learn more about his Eye Level to High Level Program. Subscribe to our podcast, leave a five-star review, and find Dwan at Dwanderful.com or @Dwanderful on all social media platforms.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Dwan Bent-Twyford (00:59):
Hey everybody , welcome to The Most Dwanderful
Real Estate Podcast Ever.
I am your host, DwanBent-Twyford.
I'm America's most sought afterreal estate investor and I am
so excited that you are herewith me today.
In case you haven't heard thegood news the most wonderful
real estate podcast ever has nowexceeded over 1 million
(01:23):
official downloads, so we arereally excited to have reached a
goal like that, and that isbecause of you.
I can't do it without you.
So if you want to learn moreaboutme go to Dwanderful.
com.
I took my name, Dwan andWonderful, and I made a new word
(01:47):
.
And I'm Dwanderful on allsocials.
So today I am so excited tohave one of our wicked smart men
with us today, and I have notmet this young man, so I'm
excited to meet him today.
His name is Jimmy Rios from theRios from the Rios Business
Advisors Make sure I say itright.
So, Jimmy, how are you today,honey?
Jimmy Rios (02:09):
Dwan, I'm doing well .
Thank you very much for theinvitation.
Excited to be here.
Dwan Bent-Twyford (02:14):
I know I'm excited to have you on too, so
we do things a little bitdifferent around here.
Instead of me reading off thislong bio and telling everyone
how amazing you are, I'd likeyou to just give us a two-minute
what you do where your socialmedias are, because we want to
know what is your deal.
Jimmy Rios (02:34):
Definitely so.
My name is Jimmy Rios.
I'm the founder of RiosBusiness Funding and Rios
Business Advisors.
Our YouTube channels are atRios Business Funding and we've
developed a really interestingprogram called the I-Level to
(02:56):
High-Level Program program.
It's trademarked as a newstrategy in taking leverage
meaning debt or debt structuresand helping businesses, real
estate agents, any entrepreneur,business owner, industry
agnostic.
(03:17):
So we can work with anyonetaking leverage in the form of
debt structure, like we're usedto borrowing, and then
leveraging a fraction of thatmoney over inside of our
investment firm through a hedgefund where we're able to put
money in there to work in yourfavor, usually at a return of
(03:37):
three, five or 10x even more.
What that means is that over aperiod of a very short time
three months, six months, ninemonths we can return a very high
amount of money, but it's meantto pay off your debt.
It's meant to escalate andelevate your business, put you
in a better position as anadvisor on working with you to
(04:00):
elevate and to structure andstabilize your business, because
many business owners and andand I specialize in the real
estate world don't come preparedfor that.
They do what they do in atransactional mode very well
right buying, sell houses, picksand flips, right, but what if
something doesn't go?
Well, right, the market gets abit of a tear, so whatever.
Dwan Bent-Twyford (04:24):
Don't tell us everything, because I've got
questions to ask.
So the eye level to high level.
I love that.
Eye level to high level.
That sounds amazing.
Okay, so they find you onYouTube, excuse me and on
Instagram, every place.
What is your handle?
Jimmy Rios (04:42):
yeah, so youtube is at real business funding and
then on instagram it's aninstagram tiktok.
Dwan Bent-Twyford (04:50):
It's at rio's business advisors okay, I mean,
I like to uh, I actually liketo interview people, and then
after that I go follow everyone.
So then, like I'm a full-blownstalker, after that I I go
follow everyone.
So then, like I'm a full blownstalker.
After that, I like to get toknow people, like without doing
too much study and research,because the way I format my
podcast is, if you and I weremeeting and we were sitting down
(05:12):
at a restaurant and the firsttime we were getting together I
like to ask questions, like if Iwas just meeting you, right,
because I feel like that's a funway to do it, because you know
everyone's like, so send me your10 questions.
What are the five things youwant me to talk about?
And I feel like everybody hearsthat from everybody.
So I feel like to make myselfdifferent.
(05:33):
Especially when people send meover their list of questions,
I'm like, yeah, I'm not gonnaread those, because if you do
that, then every place someonesees you it's the same.
And then they're like, hey, ifI watch the wonderful, she's
just going to talk about stuffthat may not have nothing to do
with anything, but that's how Ifeel like you get to know people
well, I don't.
Jimmy Rios (05:53):
It's like me and you being at each other's house,
right?
Do we go to each other's houseand have a list of answers and
questions to talk about, or dowe just open up and start
talking and getting to know eachother?
And I'm the same way.
I feel very comfortable.
Dwan Bent-Twyford (06:09):
Yeah, I love that way too.
I do get a few people that arelike you know, they'll send me
their questions.
I don't tell them ahead of time, I'm not going to ask all their
questions, and then they'll say, like, do you have any
questions for me?
Like, do you have any questionsfor me?
I'm like, no, I don't reallyhave any questions.
That's when I get to know whoyou are.
And sometimes it throws peopleoff.
So I just I tell everyone upfront, like listen we're just
(06:32):
going to chat, because this ishow you get to know people, all
right.
So now I love the eye level tohigh level.
I love the fact that you arehelping people invest their
money and doing that.
So give me just a little bit.
Like before.
You did what you're doing rightnow Rio Business Investors.
What were you doing before this?
Were you in real estate?
You transitioned.
What were you doing exactly?
Jimmy Rios (06:54):
Well, we still run our verticals in the real estate
market.
We have realestate.
com, my wife handles theresidential, I do the commercial
, commercial and uh, and we'vedabbled in wholesale.
We've done fix and flips.
It's been a an endeavor in thefamily for 20, more than 20
years, and so we have a very biglove inside of real estate and
(07:16):
everything that we do.
Many of the things that we'vedeveloped over time were on the
necessities that we saw in thereal estate market, not only as
a person that was buying andselling, as a consumer, but also
in the business side, and someof the deficiencies that we came
up against in trying to do ourbusiness and get the funding
(07:38):
necessary to do the things wewanted to do.
So it almost became like oneside fed the other side and
developed, you know, a solutionfor others, because I know I
wasn't the only one or the firstone with some of those
challenges, as we, you know, tryto maneuver the waters in real
estate.
Dwan Bent-Twyford (07:58):
I know it can be really tricky, you know
getting involved, but I do allthose things, so I wholesale.
We fix and flip.
Right now we buy a lot ofcommercial, a lot.
We basically almost own anentire town in Iowa that we're
rehabbing this town, so we'rejust sort of all over the.
But you know, there's so manyfun aspects and I've been
(08:19):
investing for over 30 years, myhusband for about the same.
So now our three kids, you knowthey're all investing and
they're doing rentals and it'slike, oh, it just warms my heart
to see like the kiddos doing ittoo.
Jimmy Rios (08:31):
So cool and you know a few of them.
Dwan Bent-Twyford (08:34):
My son's been with us like full-time through.
But our two daughters, theywere like, oh, we're gonna go
here, we're gonna go there.
And then, after they workedaround for a while, they're like
I don't know why we're workingfor other people.
All the money is right here.
I'm like I've been trying totell you that from day one.
No, that's awesome, but youknow, kids have to find their
(08:54):
own way before they find theirway back.
Jimmy Rios (08:56):
No, they do.
I have three kids of my own andthey're in London College
trying to, you know, get throughher schooling and the other
twins are in high school.
So they'll be finding their waythrough, and you know.
But they have a good example ofsomebody in me and my wife who
are entrepreneurs and, you know,really took the bull by the
(09:18):
horns over many years, I wouldhave to say there was probably
more failures than successes.
I think now we're trying to seesome success in planting those
seeds over time, but there was alot of failures, a lot of
hiccups and a lot of learning inthe process and I think that's
it.
Dwan Bent-Twyford (09:37):
I don't think you can do anything without
having, I mean, I don't know.
I feel like for me everythingwas a big learning curve.
I started off really fromscratch and you know, back 30
years ago there was nobodyteaching or training or
traveling the country to teachyou stuff, so I was very much a
see my pants girl and, yeah,that's a.
That's a tough way to learn,but the nice thing about it is
(10:00):
you learn it.
Jimmy Rios (10:04):
You don't.
You don't forget the negativeepisodes that happen and you
definitely take steps to youknow.
Dwan Bent-Twyford (10:09):
Stay on the positive when you can I know you
really do all right, so I likethis part, what you were saying
about, um, tell me about the,the funding and and like so.
So a lot of my people.
On my Dwanderful podcast I kindof cater to the newbies.
That's just like where my heartis.
(10:30):
When I was 30, I went through adivorce, I had a baby, I was a
single mom.
I lost my house, lost my car,like a country song.
I lost all my stuff and nobodycame to help me.
No one was like, hey, knock onmy door, hey, can I help you?
It was like nobody, I just lostall my stuff.
So I really like to, um, tohelp people that are like, hey,
(10:53):
I want to branch in and I wantto get some financial freedom.
How do I dabble out of?
and I you know, like the firstthing you said, I tell everyone
easiest thing in the world, justwholesale get some money on
your belt but then, like youreally need to look at what you
like, what interests you, whereyou know where you might find
your actual footing.
And for me, right now I'm 100into commercial because I'm
(11:15):
rehabbing a town but having doneeverything along the way.
So new people always need money.
They always they don't evenreally know what they need or
how much or what they need itfor, but they do.
So talk to me a little bitabout this funding and the
(11:38):
advisory and like how you help.
So let's just say you weremeeting somebody from my show
that was new.
Jimmy Rios (11:45):
Yeah, and they said tell me they said help me Right.
Well, I mean the first thing.
You know I always like tounderstand what your vision and
your goals are inside ofwhatever you're doing.
Many people come to me and sayI need money, but then when we
start really talking about theirvisions and goals, that initial
(12:07):
amount that they startedtalking about was very, you know
, really wasn't the right amountright, and they don't know what
they don't know because rightnow they're just thinking like I
need to buy a house to getstarted right, and so if we
really want to get reallygranular and finite in the
solution, I need to find outmore.
And so we get into reallytalking about your plans and
(12:31):
your goals and then startdrawing out this map right of
how we're going to get frompoint A to point B.
To get there, we need tounderstand the cost.
We need to understand all thelittle.
You know intricate details.
You don't go and build a housewithout a, without a blueprint.
You have to have this blueprintand to put all the pieces
(12:52):
together right.
So I tell you what there's.
There's components in gettingyou funding that are not
difficult to do if I have allthe pieces of the puzzle right.
So that's part of myexploratory.
First step is reallyunderstanding what your goals
are.
Is your investment strategiesfix and flips?
(13:13):
Is it commercial?
Do you want to have, you know,hold properties for a longer
period of time?
What does that look?
How many do you want to startwith, and things like that, so
we can start getting the Jesusflowing in discovery.
And then we start getting verypersonal, right, because we
(13:34):
start opening the kimono and westart really talking about, you
know, debt debt in terms of howmuch debt do you have, what's
your credit score, what are yourassets?
A lot of these things that theymight or might not be ready to
answer.
But it's good to bring it outand start really formulating
that plan of action.
(13:55):
Right, Because I can guide youin the best way based on my
knowledge.
Well, it's a lot easier if Isaid, okay, look, based on what
you just told me, we can startby doing this, this and this
right Now.
It's a lot easier to chew onthan trying to gobble it all up
at once, and I feel that manytimes, investors or newbies,
(14:20):
they want to do everything sofast.
They want to go.
Dwan Bent-Twyford (14:24):
They do.
They're like I want to make amillion dollars my first year.
It's like, okay, what's yourplan?
Well, I don't know.
Jimmy Rios (14:31):
Right, and I have a saying.
I say I like to go slow, to gofast.
What that means is, if westructure you right from the
get-go, you're like a horsebehind the stable.
You want to get out, but if youdon't have a plan, when you get
out you're going to stumble,boom, boom, boom and then to get
back up and to try to recovermany times.
(14:53):
You stumble so hard it takesyou years to recover right, and
that's right.
So if we did it right from theget go I guess this is one of my
pieces of advice is let's takethe time to properly lay out a
plan of action, and by doing sowe're going to have better tools
(15:13):
and advice to be able to get towhatever that initial.
I always say they're short-termgoals and they're long-term
goals right.
Let's focus right now ongetting you to first base.
Then we'll see how we round outthe bases.
If we can do that together as ateam, I'm your partner in
progress.
So if we're doing it as a team,we're going to get them better
(15:36):
and more efficient and you'regoing to see a higher rate of
return because we've eliminatedsome things that, for many,
caused them to lose money.
Money, time is money and time isa big component of the equation
as well.
That they don't factor Timevalue of money is another big
component.
Right Leveraging properly isanother big component.
(15:57):
Big component right Leveragingproperly is another big
component.
So we look at a lot ofdifferent aspects in real estate
and investing in general tomake proper decisions.
Dwan Bent-Twyford (16:06):
Yeah, that's true, and some people you know,
and I was this way in thebeginning In the beginning I was
really broke.
I was a single mom.
I was, you know, doing my dealswith my Home Depot credit card.
I was a single mom, I was doingmy deals with my Home Depot
credit card and I didn't placeenough value on my time.
So I'd be like, oh, I couldhave this guy lay this tile, but
(16:28):
I could save, you know, $100 ifI did it myself.
And so I spent so many hoursdoing things that, looking back,
I should have had just someonedo for me so I could have moved
on to the other money makingthings that were available.
So I think a lot of people Idon't think it's uncommon for a
lot of people to not placeenough value on their time when
(16:51):
in reality, time is your actualmost valuable asset.
Jimmy Rios (16:56):
Totally.
Dwan Bent-Twyford (16:57):
So if you can find someone to help you or
give you advice or cut yourlearning curve and I tell, I say
everything I said people learnone of two ways from mistakes
and mentors and mentors arecheaper, right, because a
mistake can hurt you financiallybut it can also throw you off
your game mentally.
It can make you think like, ohman, I shouldn't have done this,
(17:20):
I'm not in the right business.
I mean, it can really have areally a tumbling effect on
people and they don't realizethat one really hardcore mistake
can put someone completely outof business.
Jimmy Rios (17:34):
Well, so many individuals.
The mental side of this game ishuge.
I'm talking about being able tostay positive inside of the
storm and know that you knowyou're going to get to the other
side when you're going througha tunnel of darkness is very
daunting for many.
So why work harder, not worksmarter?
(17:54):
Why not rely on others thathave taken those paths that may
be able to light the path foryou and make the connection so
that you can get there quicker,more efficiently, better
structured, save more money,make more money?
We start talking in theselanguages of success and the
mentality of opportunity andoptimism as opposed to scarcity
(18:20):
mentality.
I can't do this.
I don't know what I'm doingright, because many newbies
especially come out of the gatewith ideas but they start
getting really negative reallyfast.
(18:56):
I hear it all the time.
You know and I'm like listen,you are an amazing individual
that is doing what not everybodyelse can do, because if
everybody could do it, theywould all be doing it.
It's a very select few who havetaken on this journey.
So let's work together becausethere's nobody as strong as you
(19:18):
to be able to do that.
The easy thing is to go get anine to five anyway, right, I'm
just a job.
The the just over brokementality, right, anybody can do
that the the different, thedifferentiators, the ones that
think outside the box, that wantto think differently and do
differently, are the ones thatare going to face their fears
(19:39):
and those challenges head on andsay, okay, I want to do this, I
don't know how, but I want todo it.
Let's go search, let's seek andyou shall find.
Let's go seek, right, and let'sask.
Dwan Bent-Twyford (19:53):
So I want you to give us one actionable tip,
like an actionable tip, thatsomeone that's listening today
can go.
I'm going to take this tip andstart my journey.
So what is one specificactionable tip?
Someone could go.
I like Jimmy, but this one tip,I feel like this, this could
(20:14):
help me.
Jimmy Rios (20:15):
So this might sound very generic, but it's so
important and it's probably oneof the biggest things I see
people lacking and missing intheir strategy.
Go and pull a TriMerge creditreport on yourself.
Use ChatGPT, Upload your fileinto ChatGPT and learn how to
(20:41):
read your credit report.
Use the tools that areavailable in educating yourself
on how to read your report,identifying the negatives, and
learn If you can't do it, if youdon't do it through an expert
like myself who owns a creditrepair company and other next
level credit is a credit repaircompany.
We we give a lot of advice andeducation on how to fix the
(21:05):
negatives because you want tostructure yourself in a positive
light for funding, not becausewe want you to take on liability
in your person.
Eventually, we're going tobuild business credit.
I wrote a book called Decodingthe Mystery of Business Credit.
How we can oh, I love of.
Dwan Bent-Twyford (21:23):
Business Credit.
How we can tell yeah, wait,repeat that Decoding.
Jimmy Rios (21:28):
Decoding the mystery of business credit.
Dwan Bent-Twyford (21:32):
Okay, I like that and you know something.
Just not to interrupt yourthought there.
But people I meet, peoplenobody knows about their credit.
They don't know what theircredit score is, they don't know
how to figure it.
I'm glad that you mentioned tome that you do credit repair.
One of the things I do is whenI'm buying a house I specialize
in buying houses from homeownerslosing their house to
(21:53):
foreclosure and they're likeokay, you're losing your house
to foreclosure, I'm going to buyit, we're going to rehab it,
we're going to rehab it, we'regoing to wholesale it, maybe
we're going to split the profit,whatever we're going to do.
And I give them some tips forfixing their credit.
But I really am not a creditrepair person.
So now I can send people to youand say, hey, listen, you need
to go over here, because oncethey lose their house, well,
(22:14):
they're in foreclosure and I buyit right before the foreclosure
.
But on the credit report andnot stuff like 150 points or
something like that, somethingabout bankruptcy is like another
100 points and I say I like tosay, hey, I got a guy that can
help you.
If even those homeowners canrepair their credit, they can
buy another house, like theforeclosure, is not the end of
(22:37):
the world.
Jimmy Rios (22:38):
Well, dawn, understand too that when we get
into creative financing modes,like we do, you don't have to
follow this little blueprint orthis little square that says you
have to stay in the middle in atraditional financing model.
Right, it says that you can'tbuy a house for two years.
All the little guidelines thattell you so what is inside of
(23:02):
one to two years, right Insideof this window that FHA or VA or
all these conventional routesare telling you what if we put
together a plan to get you intoa home?
Right, it could be a rentalhome, it could be a wholesale.
We can get you the funding togo wholesale and get you into
what I call an ugly loan andthen put you into a pretty loan
(23:24):
Because once you're in then wecan refinance you a lot easier
than buying right, traditionalor conventional.
So we go wholesale, we get youin through a hard money loan and
then we get you and refinanceyou in a traditional sense once
we fix your credit.
So, people, so the the mysteryout there is well, I did
(23:47):
bankruptcy, so we've takenbankruptcies off.
Your credit doesn't mean thatyou didn't do it.
It doesn't have to show on yourcredit, right, it doesn't have
to report on your credit.
They tell you 10 years.
Yeah, if you leave it on thereand don't do nothing about it,
it'll come off in 10 years.
But if you work work with acompany that cars we can paint
the picture on your credit toget fundable Right.
(24:09):
And that doesn't have to take avery long time, because once
you're in on title of a property, now it doesn't matter who the
bank is or the private lender.
I got you in.
Now I can refinance you becausewe do asset-based lending, dscr
loans, bank statement programs,profit and loss statement
(24:30):
program all kinds of reallycreative financing for people
that think that there's no wayin.
We bring down the barriers ofentry to be able to help people.
And that's where I want you tostart thinking differently.
Don't think in the negative.
The negative is easy.
I got bankruptcy, I got mycredit, I got all these
negatives.
Let's think in the positive.
(24:51):
Let's think how can I get in?
What are the steps for me toget in?
What do I have to do?
Hey, we just pivot and makeanother plan of action around a
solution.
So for you, dawn, that's agreat way to pivot from being a
you know.
Yeah, they're going inforeclosure.
Okay, listen, we're going tostill help you, right?
(25:12):
We have a plan.
So, yeah, I'm going to buy yourhouse and this is going to
happen, but this is how we'regoing to help you.
And now you pass the baton andand you got somebody like myself
who takes those clients andgives them hope, gives them a
pot of action, and it's awin-win.
Dwan Bent-Twyford (25:28):
Yeah, no, I agree.
A lot of the people.
You know a lot of people.
When you buy their house inforeclosure, the first thing is
they're just pissed off at theirhouse.
I never want to own anotherhouse again.
This house has been a nightmare.
My ex blah, blah, blah.
Jimmy Rios (25:41):
And they never want to own the house and.
Dwan Bent-Twyford (25:43):
I say, listen , I can promise you in two to
three years you are going towant to buy another house.
You just are.
So you know, let me help you.
And I just, I mean, I give likevery basic credit repair tips,
but now that I know you I cansay, hey, let me send you over
to my guy here, because they areeven though they're mad now and
(26:04):
most homeowners are mad at thebank, the bank took their house.
It's like you didn't make thepayments.
Jimmy Rios (26:11):
And they're mad at the bank.
Dwan Bent-Twyford (26:13):
They're mad at everybody, but I know that
they're going to want to buyanother house.
Jimmy Rios (26:18):
Yep exactly.
Dwan Bent-Twyford (26:20):
And that's a good idea to try Merge Credit
and send it to chat GPT andlearn how to read it.
That's a really I've neverheard anybody say that before,
so you actually just told mesomething I've never heard
before.
Jimmy Rios (26:33):
And you should try it yourselves just to see the
user experience, what that feelslike, and then you can guide
people better without reallyspending a lot of time, because,
I mean, these are thetechnology tools that we need to
use that really truncate thetimeframe of the learning curve
so much.
I love it, that's great.
Dwan Bent-Twyford (26:53):
And we're going to switch topics now.
I want to find out more aboutyou.
So, mr Jimmy, what's yourfavorite band of all time?
Jimmy Rios (27:00):
I'm a big um uh, metallica uh fan, um, you know,
just, I guess I'm I'm probablydating myself, but I'm 40, no
heck no man, my favorite band isqueen, so you're not but I'm a
I'm a music lover in all senseof the word.
(27:20):
I love music of all types andgenres.
Dwan Bent-Twyford (27:23):
I do.
Jimmy Rios (27:23):
I'm a hero.
I'm really good.
Were you so bummed when?
Dwan Bent-Twyford (27:26):
Ozzy just died.
Yes, very sad.
I was just like, oh man, I'mnot a super heavy metal fan, but
like Ozzy is like he's part.
I'm 66.
He's.
I saw him when I was 18.
He's part of my history, right?
Oh, I saw him when I was 18.
He's part of my history, right?
We lost a giant.
Jimmy Rios (27:45):
I know it's okay yeah, that's okay, yeah, he's
great everybody has an exitstrategy, unfortunately, yeah, I
know what's your favorite foodoh man, I'm a steak and potatoes
type of guy.
I'll eat a steak and potatoestype of guy.
I'll leave the steak I am too.
Dwan Bent-Twyford (28:04):
I was raised in ohio so we always had like
the big sunday breakfast withlike the biscuits, the gravy,
the sausage, all the eggs, allthe stuff, and for dinner, very
much meat and potatoes.
And even a hundred years later,I'm telling you, if I get a
chance to sit down, I mean asteak, I mean a baked potato,
(28:25):
with all of the stuff on it.
Any day of the week I am, I amtotally a carnivore, I mean.
So I don't know how's like youeat so much meat.
I know, but I just I love meat.
Um, what's your favorite timeof day?
Like?
Like when in your day are youjust like?
Jimmy Rios (28:44):
this is the best right now, I think, probably
after about three o'clock in theafternoon, when I feel that
we're starting to wind down alittle bit, even though my days
are pretty crazy all the timebut it feels like I can see the
light and then I'm trying to gospend some time with the family
and really wind down.
I'm trying to find balance.
As hard as it is in our worldof entrepreneurship, I find, you
(29:09):
know, we have to find balancein our time with with our kids
and with our wives and, you know, do things for ourselves go to
a movie, go to dinner, whateverit's even just as basic as just
playing the game at home orsomething.
You know, because we have ourphones all the time, it's hard
to sometimes put it down andseparate our work from our
(29:30):
family life.
So I'm trying to make more of adistinction in trying to do
that.
Dwan Bent-Twyford (29:35):
Yeah, it's funny that you say that 99% of
the entrepreneurs are like oh, Iget up at 5 in the morning and
I work out, and I'm always justlike, why, why do you do that?
Because I'm like you.
I can spend time with my husbandand we can watch a movie or
(29:57):
hang out or whatever.
And I am always amazed, amazed,like so many people, like oh
yeah, five in the morning,that's my favorite time of day,
and I'm like, dude, these eyesare closed at five in the
morning.
I am like you, I want to spendthe time with my family, and at
the end of the day is myfavorite time, every day, okay,
especially at we live in themountains in colorado, so in the
(30:20):
next couple months it'll startgetting dark literally at five
o'clock.
So we just light a big old fire.
You know it's only five o'clockso it feels weird that it's not
later.
But we make a big old fire andit's like five o'clock and we
sit down, we have a glass ofwine, it's like what part of
California, colorado, are you?
I live outside Denver, okay, upin the actual Rocky Mountains
(30:44):
at 9,000 feet Wow, that'sawesome.
Jimmy Rios (30:47):
So when I look out all my windows.
Dwan Bent-Twyford (30:49):
I don't see nothing but the mountains.
It must be beautiful when itsnows so pretty, so pretty, so
pretty.
So.
(31:14):
I love your music, I loveeverything about what you do.
Now tell me.
Jimmy Rios (31:16):
What can the wonderful family, what can we
help you do to reach your nextbig goal?
What is your next big goal foryourself and how do we help you
reach that?
I think you know, in what I'mdoing with the high-level
program, the visibility and theeducation that is given, I need
to get more eyes on that, getmore people wanting to partake
and learn and be a part of that.
You know that movement.
I like to call it right Because, in essence, we're building
(31:36):
something that's new.
So for a lot of people it'sscary, you know, and so, if I
can break it down and make iteasier to understand, there's so
many people that have takenadvantage of my tutelage and
helping them get to a high levelfrom an eye level, that
everybody should have thatopportunity and it doesn't cost
(31:56):
you anything to tune in to ourYouTube channel and ask
questions and be part of of, orbuilding a community on Facebook
.
My brother actually has built acommunity of his own with over
26,000 followers in Medellin,Colombia, and he's going to be
building, helping us build ourcommunity of like-minded
(32:16):
individuals that want a betterlife.
So I think it takes a villagelike the old saying village.
If we can do it together, it's alot easier than doing it eye
level to high level.
They're gonna find that onyoutube yeah, yeah, we have
really good videos um over 57videos that we put together, um
(32:37):
and podcasts and differenteducational moments of clarity
to understand the steps and howwe go about doing it.
So you know, at real businessfunding on our, on our youtube
channel, subscribe and subscribeand learn and that's the best
way.
Dwan Bent-Twyford (32:52):
So that's your thing, you're gonna you're
gonna work on the eye level tohigh level, because I think it
sounds like I'm gonna go checkit out myself today.
Sounds like a great way to go.
It's on youtube, easy foreverybody.
You can even do it on yourphone, so you get no excuses on
to spend a minute over there andtry to figure it out.
Because one thing over at thewonderful family is we always
(33:12):
want to try to help everybodygrow and reach their goals and
help in any way that we can.
So I I like sending people overto things that I like.
So I like what you have to say,so I am recommending the.
I love and I love the name.
I love it, I love it.
That's really brilliant.
It's really.
It is a great name.
It is a great name.
(33:33):
Okay.
So a couple more things here.
First of all, everyone, if youhave enjoyed the podcast today
and you're like Jimmy and Dwanthey're so great then I want you
to subscribe to the podcast,leave a five star review, maybe
write something really nice,because the only way we can grow
(33:54):
is through your help.
And for me to have reached amillion downloads a couple
months ago, that was really abig deal, but that's only
because of you and all of youthat have listened and
downloaded.
So I thank you and I appreciateyou for that.
Always find me at DwanderfulD-W-A-N-D-E-R-F-U-L.
(34:14):
Dwanderfulcom.
Instagram, facebook, tiktok,youtube.
It's a Dwanterful world.
It's a Dwanterful world, allright.
So before we go, I have onelast question for you, and I
want you to leave us with a wordof wisdom, but just one single
(34:36):
word.
Jimmy Rios (34:38):
Love.
Dwan Bent-Twyford (34:40):
Oh, okay, now in the Dwarveniful Universe, I
tell everybody when you listento my podcast and the guest
gives us a word, write it on alittle yellow sticky, stick it
up on your bathroom, and so loveis going to be our word of the
week.
So what does love mean to you?
Jimmy Rios (35:00):
So what does love mean to you?
Love is learning how to sharewith others all the things that
you have and be very forgivingof yourself, to love yourself,
and you know.
Think that you can help so manypeople by loving yourself and
by treating yourself withrespect.
Treat others the same way andit becomes a wonderful thing to
(35:24):
do it in that fashion.
Dwan Bent-Twyford (35:25):
I love that, I love that.
So love, that's about what itmeans to me too.
I mean, you know, love is like,it's just, it's like the main
thing.
It's love is the principalthing.
You don't have love, you don'thave nothing.
You got nothing.
So all rightimmy, I want tothank you so much for being on
today.
I've really enjoyed getting toknow you.
I'm excited to interview you.
He's going to interview me overon his podcast, so you guys
(35:48):
have to.
And what's the name of yourpodcast?
Jimmy Rios (35:51):
I love it on high level I love it.
Dwan Bent-Twyford (35:53):
I love it, so you guys can look for me over
there.
We're doing a podcast swaptoday, so super excited about
that, and everyone, we will beback next week, same bat time,
same bat channel.
And remember that the truth isin the red letters.
Bye everybody, goodbye, thankyou, thank you, thank you and
(36:14):
leave those reviews.
Stay tuned.
Keep watching, we always havemore coming, ciao.
Hey everybody , welcome to The Most Dwanderful
Real Estate Podcast Ever.
I am your host, DwanBent-Twyford.
I'm America's most sought afterreal estate investor and I am
so excited that you are herewith me today.
In case you haven't heard thegood news the most wonderful
real estate podcast ever has nowexceeded over 1 million
(01:23):
official downloads, so we arereally excited to have reached a
goal like that, and that isbecause of you.
I can't do it without you.
So if you want to learn moreaboutme go to Dwanderful.
com.
I took my name, Dwan andWonderful, and I made a new word
(01:47):
.
And I'm Dwanderful on allsocials.
So today I am so excited tohave one of our wicked smart men
with us today, and I have notmet this young man, so I'm
excited to meet him today.
His name is Jimmy Rios from theRios from the Rios Business
Advisors Make sure I say itright.
So, Jimmy, how are you today,honey?
Jimmy Rios (02:09):
Dwan, I'm doing well .
Thank you very much for theinvitation.
Excited to be here.
Dwan Bent-Twyford (02:14):
I know I'm excited to have you on too, so
we do things a little bitdifferent around here.
Instead of me reading off thislong bio and telling everyone
how amazing you are, I'd likeyou to just give us a two-minute
what you do where your socialmedias are, because we want to
know what is your deal.
Jimmy Rios (02:34):
Definitely so.
My name is Jimmy Rios.
I'm the founder of RiosBusiness Funding and Rios
Business Advisors.
Our YouTube channels are atRios Business Funding and we've
developed a really interestingprogram called the I-Level to
(02:56):
High-Level Program program.
It's trademarked as a newstrategy in taking leverage
meaning debt or debt structuresand helping businesses, real
estate agents, any entrepreneur,business owner, industry
agnostic.
(03:17):
So we can work with anyonetaking leverage in the form of
debt structure, like we're usedto borrowing, and then
leveraging a fraction of thatmoney over inside of our
investment firm through a hedgefund where we're able to put
money in there to work in yourfavor, usually at a return of
(03:37):
three, five or 10x even more.
What that means is that over aperiod of a very short time
three months, six months, ninemonths we can return a very high
amount of money, but it's meantto pay off your debt.
It's meant to escalate andelevate your business, put you
in a better position as anadvisor on working with you to
(04:00):
elevate and to structure andstabilize your business, because
many business owners and andand I specialize in the real
estate world don't come preparedfor that.
They do what they do in atransactional mode very well
right buying, sell houses, picksand flips, right, but what if
something doesn't go?
Well, right, the market gets abit of a tear, so whatever.
Dwan Bent-Twyford (04:24):
Don't tell us everything, because I've got
questions to ask.
So the eye level to high level.
I love that.
Eye level to high level.
That sounds amazing.
Okay, so they find you onYouTube, excuse me and on
Instagram, every place.
What is your handle?
Jimmy Rios (04:42):
yeah, so youtube is at real business funding and
then on instagram it's aninstagram tiktok.
Dwan Bent-Twyford (04:50):
It's at rio's business advisors okay, I mean,
I like to uh, I actually liketo interview people, and then
after that I go follow everyone.
So then, like I'm a full-blownstalker, after that I I go
follow everyone.
So then, like I'm a full blownstalker.
After that, I like to get toknow people, like without doing
too much study and research,because the way I format my
podcast is, if you and I weremeeting and we were sitting down
(05:12):
at a restaurant and the firsttime we were getting together I
like to ask questions, like if Iwas just meeting you, right,
because I feel like that's a funway to do it, because you know
everyone's like, so send me your10 questions.
What are the five things youwant me to talk about?
And I feel like everybody hearsthat from everybody.
So I feel like to make myselfdifferent.
(05:33):
Especially when people send meover their list of questions,
I'm like, yeah, I'm not gonnaread those, because if you do
that, then every place someonesees you it's the same.
And then they're like, hey, ifI watch the wonderful, she's
just going to talk about stuffthat may not have nothing to do
with anything, but that's how Ifeel like you get to know people
well, I don't.
Jimmy Rios (05:53):
It's like me and you being at each other's house,
right?
Do we go to each other's houseand have a list of answers and
questions to talk about, or dowe just open up and start
talking and getting to know eachother?
And I'm the same way.
I feel very comfortable.
Dwan Bent-Twyford (06:09):
Yeah, I love that way too.
I do get a few people that arelike you know, they'll send me
their questions.
I don't tell them ahead of time, I'm not going to ask all their
questions, and then they'll say, like, do you have any
questions for me?
Like, do you have any questionsfor me?
I'm like, no, I don't reallyhave any questions.
That's when I get to know whoyou are.
And sometimes it throws peopleoff.
So I just I tell everyone upfront, like listen we're just
(06:32):
going to chat, because this ishow you get to know people, all
right.
So now I love the eye level tohigh level.
I love the fact that you arehelping people invest their
money and doing that.
So give me just a little bit.
Like before.
You did what you're doing rightnow Rio Business Investors.
What were you doing before this?
Were you in real estate?
You transitioned.
What were you doing exactly?
Jimmy Rios (06:54):
Well, we still run our verticals in the real estate
market.
We have realestate.
com, my wife handles theresidential, I do the commercial
, commercial and uh, and we'vedabbled in wholesale.
We've done fix and flips.
It's been a an endeavor in thefamily for 20, more than 20
years, and so we have a very biglove inside of real estate and
(07:16):
everything that we do.
Many of the things that we'vedeveloped over time were on the
necessities that we saw in thereal estate market, not only as
a person that was buying andselling, as a consumer, but also
in the business side, and someof the deficiencies that we came
up against in trying to do ourbusiness and get the funding
(07:38):
necessary to do the things wewanted to do.
So it almost became like oneside fed the other side and
developed, you know, a solutionfor others, because I know I
wasn't the only one or the firstone with some of those
challenges, as we, you know, tryto maneuver the waters in real
estate.
Dwan Bent-Twyford (07:58):
I know it can be really tricky, you know
getting involved, but I do allthose things, so I wholesale.
We fix and flip.
Right now we buy a lot ofcommercial, a lot.
We basically almost own anentire town in Iowa that we're
rehabbing this town, so we'rejust sort of all over the.
But you know, there's so manyfun aspects and I've been
(08:19):
investing for over 30 years, myhusband for about the same.
So now our three kids, you knowthey're all investing and
they're doing rentals and it'slike, oh, it just warms my heart
to see like the kiddos doing ittoo.
Jimmy Rios (08:31):
So cool and you know a few of them.
Dwan Bent-Twyford (08:34):
My son's been with us like full-time through.
But our two daughters, theywere like, oh, we're gonna go
here, we're gonna go there.
And then, after they workedaround for a while, they're like
I don't know why we're workingfor other people.
All the money is right here.
I'm like I've been trying totell you that from day one.
No, that's awesome, but youknow, kids have to find their
(08:54):
own way before they find theirway back.
Jimmy Rios (08:56):
No, they do.
I have three kids of my own andthey're in London College
trying to, you know, get throughher schooling and the other
twins are in high school.
So they'll be finding their waythrough, and you know.
But they have a good example ofsomebody in me and my wife who
are entrepreneurs and, you know,really took the bull by the
(09:18):
horns over many years, I wouldhave to say there was probably
more failures than successes.
I think now we're trying to seesome success in planting those
seeds over time, but there was alot of failures, a lot of
hiccups and a lot of learning inthe process and I think that's
it.
Dwan Bent-Twyford (09:37):
I don't think you can do anything without
having, I mean, I don't know.
I feel like for me everythingwas a big learning curve.
I started off really fromscratch and you know, back 30
years ago there was nobodyteaching or training or
traveling the country to teachyou stuff, so I was very much a
see my pants girl and, yeah,that's a.
That's a tough way to learn,but the nice thing about it is
(10:00):
you learn it.
Jimmy Rios (10:04):
You don't.
You don't forget the negativeepisodes that happen and you
definitely take steps to youknow.
Dwan Bent-Twyford (10:09):
Stay on the positive when you can I know you
really do all right, so I likethis part, what you were saying
about, um, tell me about the,the funding and and like so.
So a lot of my people.
On my Dwanderful podcast I kindof cater to the newbies.
That's just like where my heartis.
(10:30):
When I was 30, I went through adivorce, I had a baby, I was a
single mom.
I lost my house, lost my car,like a country song.
I lost all my stuff and nobodycame to help me.
No one was like, hey, knock onmy door, hey, can I help you?
It was like nobody, I just lostall my stuff.
So I really like to, um, tohelp people that are like, hey,
(10:53):
I want to branch in and I wantto get some financial freedom.
How do I dabble out of?
and I you know, like the firstthing you said, I tell everyone
easiest thing in the world, justwholesale get some money on
your belt but then, like youreally need to look at what you
like, what interests you, whereyou know where you might find
your actual footing.
And for me, right now I'm 100into commercial because I'm
(11:15):
rehabbing a town but having doneeverything along the way.
So new people always need money.
They always they don't evenreally know what they need or
how much or what they need itfor, but they do.
So talk to me a little bitabout this funding and the
(11:38):
advisory and like how you help.
So let's just say you weremeeting somebody from my show
that was new.
Jimmy Rios (11:45):
Yeah, and they said tell me they said help me Right.
Well, I mean the first thing.
You know I always like tounderstand what your vision and
your goals are inside ofwhatever you're doing.
Many people come to me and sayI need money, but then when we
start really talking about theirvisions and goals, that initial
(12:07):
amount that they startedtalking about was very, you know
, really wasn't the right amountright, and they don't know what
they don't know because rightnow they're just thinking like I
need to buy a house to getstarted right, and so if we
really want to get reallygranular and finite in the
solution, I need to find outmore.
And so we get into reallytalking about your plans and
(12:31):
your goals and then startdrawing out this map right of
how we're going to get frompoint A to point B.
To get there, we need tounderstand the cost.
We need to understand all thelittle.
You know intricate details.
You don't go and build a housewithout a, without a blueprint.
You have to have this blueprintand to put all the pieces
(12:52):
together right.
So I tell you what there's.
There's components in gettingyou funding that are not
difficult to do if I have allthe pieces of the puzzle right.
So that's part of myexploratory.
First step is reallyunderstanding what your goals
are.
Is your investment strategiesfix and flips?
(13:13):
Is it commercial?
Do you want to have, you know,hold properties for a longer
period of time?
What does that look?
How many do you want to startwith, and things like that, so
we can start getting the Jesusflowing in discovery.
And then we start getting verypersonal, right, because we
(13:34):
start opening the kimono and westart really talking about, you
know, debt debt in terms of howmuch debt do you have, what's
your credit score, what are yourassets?
A lot of these things that theymight or might not be ready to
answer.
But it's good to bring it outand start really formulating
that plan of action.
(13:55):
Right, Because I can guide youin the best way based on my
knowledge.
Well, it's a lot easier if Isaid, okay, look, based on what
you just told me, we can startby doing this, this and this
right Now.
It's a lot easier to chew onthan trying to gobble it all up
at once, and I feel that manytimes, investors or newbies,
(14:20):
they want to do everything sofast.
They want to go.
Dwan Bent-Twyford (14:24):
They do.
They're like I want to make amillion dollars my first year.
It's like, okay, what's yourplan?
Well, I don't know.
Jimmy Rios (14:31):
Right, and I have a saying.
I say I like to go slow, to gofast.
What that means is, if westructure you right from the
get-go, you're like a horsebehind the stable.
You want to get out, but if youdon't have a plan, when you get
out you're going to stumble,boom, boom, boom and then to get
back up and to try to recovermany times.
(14:53):
You stumble so hard it takesyou years to recover right, and
that's right.
So if we did it right from theget go I guess this is one of my
pieces of advice is let's takethe time to properly lay out a
plan of action, and by doing sowe're going to have better tools
(15:13):
and advice to be able to get towhatever that initial.
I always say they're short-termgoals and they're long-term
goals right.
Let's focus right now ongetting you to first base.
Then we'll see how we round outthe bases.
If we can do that together as ateam, I'm your partner in
progress.
So if we're doing it as a team,we're going to get them better
(15:36):
and more efficient and you'regoing to see a higher rate of
return because we've eliminatedsome things that, for many,
caused them to lose money.
Money, time is money and time isa big component of the equation
as well.
That they don't factor Timevalue of money is another big
component.
Right Leveraging properly isanother big component.
(15:57):
Big component right Leveragingproperly is another big
component.
So we look at a lot ofdifferent aspects in real estate
and investing in general tomake proper decisions.
Dwan Bent-Twyford (16:06):
Yeah, that's true, and some people you know,
and I was this way in thebeginning In the beginning I was
really broke.
I was a single mom.
I was, you know, doing my dealswith my Home Depot credit card.
I was a single mom, I was doingmy deals with my Home Depot
credit card and I didn't placeenough value on my time.
So I'd be like, oh, I couldhave this guy lay this tile, but
(16:28):
I could save, you know, $100 ifI did it myself.
And so I spent so many hoursdoing things that, looking back,
I should have had just someonedo for me so I could have moved
on to the other money makingthings that were available.
So I think a lot of people Idon't think it's uncommon for a
lot of people to not placeenough value on their time when
(16:51):
in reality, time is your actualmost valuable asset.
Jimmy Rios (16:56):
Totally.
Dwan Bent-Twyford (16:57):
So if you can find someone to help you or
give you advice or cut yourlearning curve and I tell, I say
everything I said people learnone of two ways from mistakes
and mentors and mentors arecheaper, right, because a
mistake can hurt you financiallybut it can also throw you off
your game mentally.
It can make you think like, ohman, I shouldn't have done this,
(17:20):
I'm not in the right business.
I mean, it can really have areally a tumbling effect on
people and they don't realizethat one really hardcore mistake
can put someone completely outof business.
Jimmy Rios (17:34):
Well, so many individuals.
The mental side of this game ishuge.
I'm talking about being able tostay positive inside of the
storm and know that you knowyou're going to get to the other
side when you're going througha tunnel of darkness is very
daunting for many.
So why work harder, not worksmarter?
(17:54):
Why not rely on others thathave taken those paths that may
be able to light the path foryou and make the connection so
that you can get there quicker,more efficiently, better
structured, save more money,make more money?
We start talking in theselanguages of success and the
mentality of opportunity andoptimism as opposed to scarcity
(18:20):
mentality.
I can't do this.
I don't know what I'm doingright, because many newbies
especially come out of the gatewith ideas but they start
getting really negative reallyfast.
(18:56):
I hear it all the time.
You know and I'm like listen,you are an amazing individual
that is doing what not everybodyelse can do, because if
everybody could do it, theywould all be doing it.
It's a very select few who havetaken on this journey.
So let's work together becausethere's nobody as strong as you
(19:18):
to be able to do that.
The easy thing is to go get anine to five anyway, right, I'm
just a job.
The the just over brokementality, right, anybody can do
that the the different, thedifferentiators, the ones that
think outside the box, that wantto think differently and do
differently, are the ones thatare going to face their fears
(19:39):
and those challenges head on andsay, okay, I want to do this, I
don't know how, but I want todo it.
Let's go search, let's seek andyou shall find.
Let's go seek, right, and let'sask.
Dwan Bent-Twyford (19:53):
So I want you to give us one actionable tip,
like an actionable tip, thatsomeone that's listening today
can go.
I'm going to take this tip andstart my journey.
So what is one specificactionable tip?
Someone could go.
I like Jimmy, but this one tip,I feel like this, this could
(20:14):
help me.
Jimmy Rios (20:15):
So this might sound very generic, but it's so
important and it's probably oneof the biggest things I see
people lacking and missing intheir strategy.
Go and pull a TriMerge creditreport on yourself.
Use ChatGPT, Upload your fileinto ChatGPT and learn how to
(20:41):
read your credit report.
Use the tools that areavailable in educating yourself
on how to read your report,identifying the negatives, and
learn If you can't do it, if youdon't do it through an expert
like myself who owns a creditrepair company and other next
level credit is a credit repaircompany.
We we give a lot of advice andeducation on how to fix the
(21:05):
negatives because you want tostructure yourself in a positive
light for funding, not becausewe want you to take on liability
in your person.
Eventually, we're going tobuild business credit.
I wrote a book called Decodingthe Mystery of Business Credit.
How we can oh, I love of.
Dwan Bent-Twyford (21:23):
Business Credit.
How we can tell yeah, wait,repeat that Decoding.
Jimmy Rios (21:28):
Decoding the mystery of business credit.
Dwan Bent-Twyford (21:32):
Okay, I like that and you know something.
Just not to interrupt yourthought there.
But people I meet, peoplenobody knows about their credit.
They don't know what theircredit score is, they don't know
how to figure it.
I'm glad that you mentioned tome that you do credit repair.
One of the things I do is whenI'm buying a house I specialize
in buying houses from homeownerslosing their house to
(21:53):
foreclosure and they're likeokay, you're losing your house
to foreclosure, I'm going to buyit, we're going to rehab it,
we're going to rehab it, we'regoing to wholesale it, maybe
we're going to split the profit,whatever we're going to do.
And I give them some tips forfixing their credit.
But I really am not a creditrepair person.
So now I can send people to youand say, hey, listen, you need
to go over here, because oncethey lose their house, well,
(22:14):
they're in foreclosure and I buyit right before the foreclosure
.
But on the credit report andnot stuff like 150 points or
something like that, somethingabout bankruptcy is like another
100 points and I say I like tosay, hey, I got a guy that can
help you.
If even those homeowners canrepair their credit, they can
buy another house, like theforeclosure, is not the end of
(22:37):
the world.
Jimmy Rios (22:38):
Well, dawn, understand too that when we get
into creative financing modes,like we do, you don't have to
follow this little blueprint orthis little square that says you
have to stay in the middle in atraditional financing model.
Right, it says that you can'tbuy a house for two years.
All the little guidelines thattell you so what is inside of
(23:02):
one to two years, right Insideof this window that FHA or VA or
all these conventional routesare telling you what if we put
together a plan to get you intoa home?
Right, it could be a rentalhome, it could be a wholesale.
We can get you the funding togo wholesale and get you into
what I call an ugly loan andthen put you into a pretty loan
(23:24):
Because once you're in then wecan refinance you a lot easier
than buying right, traditionalor conventional.
So we go wholesale, we get youin through a hard money loan and
then we get you and refinanceyou in a traditional sense once
we fix your credit.
So, people, so the the mysteryout there is well, I did
(23:47):
bankruptcy, so we've takenbankruptcies off.
Your credit doesn't mean thatyou didn't do it.
It doesn't have to show on yourcredit, right, it doesn't have
to report on your credit.
They tell you 10 years.
Yeah, if you leave it on thereand don't do nothing about it,
it'll come off in 10 years.
But if you work work with acompany that cars we can paint
the picture on your credit toget fundable Right.
(24:09):
And that doesn't have to take avery long time, because once
you're in on title of a property, now it doesn't matter who the
bank is or the private lender.
I got you in.
Now I can refinance you becausewe do asset-based lending, dscr
loans, bank statement programs,profit and loss statement
(24:30):
program all kinds of reallycreative financing for people
that think that there's no wayin.
We bring down the barriers ofentry to be able to help people.
And that's where I want you tostart thinking differently.
Don't think in the negative.
The negative is easy.
I got bankruptcy, I got mycredit, I got all these
negatives.
Let's think in the positive.
(24:51):
Let's think how can I get in?
What are the steps for me toget in?
What do I have to do?
Hey, we just pivot and makeanother plan of action around a
solution.
So for you, dawn, that's agreat way to pivot from being a
you know.
Yeah, they're going inforeclosure.
Okay, listen, we're going tostill help you, right?
(25:12):
We have a plan.
So, yeah, I'm going to buy yourhouse and this is going to
happen, but this is how we'regoing to help you.
And now you pass the baton andand you got somebody like myself
who takes those clients andgives them hope, gives them a
pot of action, and it's awin-win.
Dwan Bent-Twyford (25:28):
Yeah, no, I agree.
A lot of the people.
You know a lot of people.
When you buy their house inforeclosure, the first thing is
they're just pissed off at theirhouse.
I never want to own anotherhouse again.
This house has been a nightmare.
My ex blah, blah, blah.
Jimmy Rios (25:41):
And they never want to own the house and.
Dwan Bent-Twyford (25:43):
I say, listen , I can promise you in two to
three years you are going towant to buy another house.
You just are.
So you know, let me help you.
And I just, I mean, I give likevery basic credit repair tips,
but now that I know you I cansay, hey, let me send you over
to my guy here, because they areeven though they're mad now and
(26:04):
most homeowners are mad at thebank, the bank took their house.
It's like you didn't make thepayments.
Jimmy Rios (26:11):
And they're mad at the bank.
Dwan Bent-Twyford (26:13):
They're mad at everybody, but I know that
they're going to want to buyanother house.
Jimmy Rios (26:18):
Yep exactly.
Dwan Bent-Twyford (26:20):
And that's a good idea to try Merge Credit
and send it to chat GPT andlearn how to read it.
That's a really I've neverheard anybody say that before,
so you actually just told mesomething I've never heard
before.
Jimmy Rios (26:33):
And you should try it yourselves just to see the
user experience, what that feelslike, and then you can guide
people better without reallyspending a lot of time, because,
I mean, these are thetechnology tools that we need to
use that really truncate thetimeframe of the learning curve
so much.
I love it, that's great.
Dwan Bent-Twyford (26:53):
And we're going to switch topics now.
I want to find out more aboutyou.
So, mr Jimmy, what's yourfavorite band of all time?
Jimmy Rios (27:00):
I'm a big um uh, metallica uh fan, um, you know,
just, I guess I'm I'm probablydating myself, but I'm 40, no
heck no man, my favorite band isqueen, so you're not but I'm a
I'm a music lover in all senseof the word.
(27:20):
I love music of all types andgenres.
Dwan Bent-Twyford (27:23):
I do.
Jimmy Rios (27:23):
I'm a hero.
I'm really good.
Were you so bummed when?
Dwan Bent-Twyford (27:26):
Ozzy just died.
Yes, very sad.
I was just like, oh man, I'mnot a super heavy metal fan, but
like Ozzy is like he's part.
I'm 66.
He's.
I saw him when I was 18.
He's part of my history, right?
Oh, I saw him when I was 18.
He's part of my history, right?
We lost a giant.
Jimmy Rios (27:45):
I know it's okay yeah, that's okay, yeah, he's
great everybody has an exitstrategy, unfortunately, yeah, I
know what's your favorite foodoh man, I'm a steak and potatoes
type of guy.
I'll eat a steak and potatoestype of guy.
I'll leave the steak I am too.
Dwan Bent-Twyford (28:04):
I was raised in ohio so we always had like
the big sunday breakfast withlike the biscuits, the gravy,
the sausage, all the eggs, allthe stuff, and for dinner, very
much meat and potatoes.
And even a hundred years later,I'm telling you, if I get a
chance to sit down, I mean asteak, I mean a baked potato,
(28:25):
with all of the stuff on it.
Any day of the week I am, I amtotally a carnivore, I mean.
So I don't know how's like youeat so much meat.
I know, but I just I love meat.
Um, what's your favorite timeof day?
Like?
Like when in your day are youjust like?
Jimmy Rios (28:44):
this is the best right now, I think, probably
after about three o'clock in theafternoon, when I feel that
we're starting to wind down alittle bit, even though my days
are pretty crazy all the timebut it feels like I can see the
light and then I'm trying to gospend some time with the family
and really wind down.
I'm trying to find balance.
As hard as it is in our worldof entrepreneurship, I find, you
(29:09):
know, we have to find balancein our time with with our kids
and with our wives and, you know, do things for ourselves go to
a movie, go to dinner, whateverit's even just as basic as just
playing the game at home orsomething.
You know, because we have ourphones all the time, it's hard
to sometimes put it down andseparate our work from our
(29:30):
family life.
So I'm trying to make more of adistinction in trying to do
that.
Dwan Bent-Twyford (29:35):
Yeah, it's funny that you say that 99% of
the entrepreneurs are like oh, Iget up at 5 in the morning and
I work out, and I'm always justlike, why, why do you do that?
Because I'm like you.
I can spend time with my husbandand we can watch a movie or
(29:57):
hang out or whatever.
And I am always amazed, amazed,like so many people, like oh
yeah, five in the morning,that's my favorite time of day,
and I'm like, dude, these eyesare closed at five in the
morning.
I am like you, I want to spendthe time with my family, and at
the end of the day is myfavorite time, every day, okay,
especially at we live in themountains in colorado, so in the
(30:20):
next couple months it'll startgetting dark literally at five
o'clock.
So we just light a big old fire.
You know it's only five o'clockso it feels weird that it's not
later.
But we make a big old fire andit's like five o'clock and we
sit down, we have a glass ofwine, it's like what part of
California, colorado, are you?
I live outside Denver, okay, upin the actual Rocky Mountains
(30:44):
at 9,000 feet Wow, that'sawesome.
Jimmy Rios (30:47):
So when I look out all my windows.
Dwan Bent-Twyford (30:49):
I don't see nothing but the mountains.
It must be beautiful when itsnows so pretty, so pretty, so
pretty.
So.
(31:14):
I love your music, I loveeverything about what you do.
Now tell me.
Jimmy Rios (31:16):
What can the wonderful family, what can we
help you do to reach your nextbig goal?
What is your next big goal foryourself and how do we help you
reach that?
I think you know, in what I'mdoing with the high-level
program, the visibility and theeducation that is given, I need
to get more eyes on that, getmore people wanting to partake
and learn and be a part of that.
You know that movement.
I like to call it right Because, in essence, we're building
(31:36):
something that's new.
So for a lot of people it'sscary, you know, and so, if I
can break it down and make iteasier to understand, there's so
many people that have takenadvantage of my tutelage and
helping them get to a high levelfrom an eye level, that
everybody should have thatopportunity and it doesn't cost
(31:56):
you anything to tune in to ourYouTube channel and ask
questions and be part of of, orbuilding a community on Facebook
.
My brother actually has built acommunity of his own with over
26,000 followers in Medellin,Colombia, and he's going to be
building, helping us build ourcommunity of like-minded
(32:16):
individuals that want a betterlife.
So I think it takes a villagelike the old saying village.
If we can do it together, it's alot easier than doing it eye
level to high level.
They're gonna find that onyoutube yeah, yeah, we have
really good videos um over 57videos that we put together, um
(32:37):
and podcasts and differenteducational moments of clarity
to understand the steps and howwe go about doing it.
So you know, at real businessfunding on our, on our youtube
channel, subscribe and subscribeand learn and that's the best
way.
Dwan Bent-Twyford (32:52):
So that's your thing, you're gonna you're
gonna work on the eye level tohigh level, because I think it
sounds like I'm gonna go checkit out myself today.
Sounds like a great way to go.
It's on youtube, easy foreverybody.
You can even do it on yourphone, so you get no excuses on
to spend a minute over there andtry to figure it out.
Because one thing over at thewonderful family is we always
(33:12):
want to try to help everybodygrow and reach their goals and
help in any way that we can.
So I I like sending people overto things that I like.
So I like what you have to say,so I am recommending the.
I love and I love the name.
I love it, I love it.
That's really brilliant.
It's really.
It is a great name.
It is a great name.
(33:33):
Okay.
So a couple more things here.
First of all, everyone, if youhave enjoyed the podcast today
and you're like Jimmy and Dwanthey're so great then I want you
to subscribe to the podcast,leave a five star review, maybe
write something really nice,because the only way we can grow
(33:54):
is through your help.
And for me to have reached amillion downloads a couple
months ago, that was really abig deal, but that's only
because of you and all of youthat have listened and
downloaded.
So I thank you and I appreciateyou for that.
Always find me at DwanderfulD-W-A-N-D-E-R-F-U-L.
(34:14):
Dwanderfulcom.
Instagram, facebook, tiktok,youtube.
It's a Dwanterful world.
It's a Dwanterful world, allright.
So before we go, I have onelast question for you, and I
want you to leave us with a wordof wisdom, but just one single
(34:36):
word.
Jimmy Rios (34:38):
Love.
Dwan Bent-Twyford (34:40):
Oh, okay, now in the Dwarveniful Universe, I
tell everybody when you listento my podcast and the guest
gives us a word, write it on alittle yellow sticky, stick it
up on your bathroom, and so loveis going to be our word of the
week.
So what does love mean to you?
Jimmy Rios (35:00):
So what does love mean to you?
Love is learning how to sharewith others all the things that
you have and be very forgivingof yourself, to love yourself,
and you know.
Think that you can help so manypeople by loving yourself and
by treating yourself withrespect.
Treat others the same way andit becomes a wonderful thing to
(35:24):
do it in that fashion.
Dwan Bent-Twyford (35:25):
I love that, I love that.
So love, that's about what itmeans to me too.
I mean, you know, love is like,it's just, it's like the main
thing.
It's love is the principalthing.
You don't have love, you don'thave nothing.
You got nothing.
So all rightimmy, I want tothank you so much for being on
today.
I've really enjoyed getting toknow you.
I'm excited to interview you.
He's going to interview me overon his podcast, so you guys
(35:48):
have to.
And what's the name of yourpodcast?
Jimmy Rios (35:51):
I love it on high level I love it.
Dwan Bent-Twyford (35:53):
I love it, so you guys can look for me over
there.
We're doing a podcast swaptoday, so super excited about
that, and everyone, we will beback next week, same bat time,
same bat channel.
And remember that the truth isin the red letters.
Bye everybody, goodbye, thankyou, thank you, thank you and
(36:14):
leave those reviews.
Stay tuned.
Keep watching, we always havemore coming, ciao.
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