From Air Force to Real Estate: Renee Zunker's Inspiring Journey and Insights for Veterans

Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 2 (00:09):
oh yeah it's a channel for people like me is it
just instrumentals?

Speaker 1 (00:16):
it is instrumentals, but it is um, literally.
I looked up what's the bestmusic to listen to for ADD, ADHD
, me, and it said listen tosoundtracks of video games.
And I was like what?
So I found the YouTube channeland you play it and it's like
wow, I sound like I'm playingZelda or something.

Speaker 2 (00:36):
Do you play video games I?

Speaker 1 (00:38):
do I dabble with my son?
I would love to play more, buthell, no, you know.

Speaker 2 (00:43):
At some point, at some point, at some point.

Speaker 1 (00:46):
I'd love to be that big nerd.
Yeah, I'm somewhat of a nerd inthe aspect of.
I'm not too much of a consumer,I'm more of a creator.
I'm behind the scenes nowmaking tech tools.
I'm the creator of LoanBot,reviewmymortgagecom.
I instruct my loan officers andcoach them.

(01:09):
Guys, stop sitting on socialmedia scrolling, be the one
that's putting the content outthere that kind of stuff.
But yeah, welcome back toanother episode of Key Factors
Podcast, real Estate AF, wherethe AF stands for and finance,
and I'm your host, mark Jones,and we are powered by
ReviewMyMortgagecom, the largestindex of mortgage programs in

(01:30):
the nation.
And this being the secondepisode of the new year, thank
goodness 2024 is over and we areon to bigger and better things,
put in the past behind us, butit's been a little while since
I've had a veteran-centricdiscussion, so I wanted to bring

(01:51):
on a guest that not only has apassion for helping veterans but
is a veteran herself.
So I've got this.
Thing that I do lately is I askChatGPT tell me about this
person and use whatever you canfind on the internet Let me know
about this person.
So I'm going to read this realquick before I introduce the

(02:11):
guest.
So this guest is dedicated toreal estate profession, based in
New Braunfels, texas,affiliated with Real Brokers LLC
.
And also a US Air ForceSecurity Forces veteran, she
leverages her militaryexperience to assist clients,
particularly veterans, innegotiating real estate market.

(02:33):
With over eight years ofexperience, she has successfully
closed numerous sales,demonstrating her commitment to
helping clients achieve theirhome ownership dreams.
She is also known for herresponsiveness, negotiating
skills and deep understanding ofthe local market.
Beyond real estate, she enjoysspending time outdoors on her

(02:53):
farm in Marion Texas and isactively involved in her
community.
So, without further ado, I'dlike to introduce Renee Zunker.

Speaker 2 (03:01):
How you doing.
Hey, thanks, I'm good.

Speaker 1 (03:04):
Thank you for having me Not bad ChatGBT right.

Speaker 2 (03:06):
Yes, thanks, chatgbt.
Oh my gosh, you said that and Iwas like oh no.

Speaker 1 (03:10):
It knows everything.

Speaker 2 (03:11):
It does, which can be a problem sometimes, so that
was great Thanks Chat.

Speaker 1 (03:16):
Absolutely, absolutely so.
Renee, on this show we haveintellectual somewhat
conversations with experts.
Sometimes we're just shootingthe shit and sometimes we're
getting really deep in the weedson some intellectual things.
In this case scenario, I wantour viewers, listeners, to know

(03:36):
who I'm having this discussionwith.
So if you could just tell us alittle bit about yourself, kind
of start where'd you, where'dyou come from, where'd you grow
up?
All that jazz?

Speaker 2 (03:44):
Cool, Thanks.
I grew up as a military brat.
My family's all military.
Mom was Army, Dad was Navy,sister was Marines and so
naturally I joined the Air.
Force.
I got my real estate licensewhile I was still in and then
transitioned into full-time realestate and have been doing that
ever since.
I really, really like it.

(04:06):
I am just kind of one of thosepeople that's always doing
different things.
So real estate, this career,especially being a real estate
agent, allows me to just kind ofdo a bunch of different things
and see what I like and I justgravitated towards.
Most of my clients just endedup being the people that I was
in with their referrals, otherpeople PCSing into San Antonio,

(04:29):
and I really enjoy working withvets, so that's how that niche
came about.
And then so I've been doingthat for eight years outside of
real estate.
Like most of my realtor friendsknow me as like I have a bunch
of chickens and so that's kindof my thing outside of real
estate.
I like spending time outsidewith my chickens and dogs, cats.

Speaker 1 (04:50):
Well, they don't talk back, so that's nice, they
don't, no?

Speaker 2 (04:53):
I mean they're pretty loud, yes, but yeah, so I mean
that's about it.
I like real estate.
Real estate is my hobby tooOkay Real estate.
Real estate is my hobby too, soum I'm, I love it Okay.

Speaker 1 (05:06):
So let me ask a little bit more pointed of of,
uh, you being in the military.
Was there something that youdid prior to that, Something
that maybe your parents did,that gave you this
entrepreneurial mindset?
Because real estate isdefinitely for entrepreneurs, uh
, business owners at least, umleast at a novice level at

(05:27):
minimum, and, that being thecase, it's got to stem from
somewhere.
I don't know any successfulrealtors that don't have a
entrepreneurial mindset.

Speaker 2 (05:40):
Yeah, I would say, you know, real estate agent.
I wouldn't even classify it somuch as an entrepreneur per se
because there is like it's notreally reinventing the wheel,
but just like all of thedifferent parts about business
ownership and the differentthings that you can do, that is
very entrepreneurial.
No, I mean, both my parentswere military, my dad was, he

(06:01):
was Navy reserves but he was alaw enforcement on the outside,
so not entrepreneurial.
My mom, she was 30 years Army.
She got out, she dipped hertoes into some entrepreneurial
stuff, a little self-employed,but she didn't really like it
that much.
I think where it comes from isprobably I watched my mom be a
really hard worker.

(06:22):
She worked a lot and so I kindof picked up on the hard work
thing and so I knew when I wasin the Air Force I was like that
, you know, I worked really hard.
It's kind of like my job is alifestyle.
That's kind of how I've alwaysbeen.
It's like, whatever I'm doing,that's what I'm doing, that's
you know the chapter of life.
I'm all in on whatever that is,and in the military you can

(06:45):
work as hard as you want.

Speaker 1 (06:46):
Sure.

Speaker 2 (06:47):
And security forces were six days on, three days off
, 12-hour shifts that are reallylike 14, 15-hour days.
I was working really hard, yeah, but I was getting paid the
exact same as somebody else whohad the same rank, who was doing
a job that maybe was more likenine to five.
They got weekends and holidaysoff and I was like can y'all

(07:08):
curse on the show?

Speaker 1 (07:08):
Hell yeah, we do, as long as you use it correctly.

Speaker 2 (07:17):
That's what I always say.
Yes, I was like listen, I was,I knew I wanted to get out and
so I was like, well, if I'mgoing to be working hard and
putting my all in, like what canI do?
That kind of reflects that youknow, cause I'm going to be
doing this regardless.
So I didn't want a job that Ijust showed up, clocked in,
clocked out.
I don't turn off like when Ileave work, right, so I feel
like I've found real estate.
I didn't really know exactly atthe time how perfect that was

(07:37):
but, I mean this is like soperfect for me, because I just
never turned my brain off ofreal estate and I'm like, okay,
the more I do it, the more Ilike it, the more I find out
about it and then, consequently,you know the more money you
make.
And so that's definitely not abad incentive, so it's kept me
going.

Speaker 1 (07:55):
Well, give yourself a little bit more credit than
than you just mentioned, simplybecause, yes, real estate, you
can say it's not reallyentrepreneurial, but those are
the people that aren't gettingbusiness, those are the people
that are not standing outamongst the crowd.
Those are the people that arenot doing things differently to
get noticed.
Those are the people that havenot found their demographic

(08:16):
target audience, et cetera.
You, ma'am, you've done that,you've done that, and in order
to do that, you've got to havethis first risk in doing this,
in addition to the layer of riskthat I'm going to pigeon myself
into this audience of veterans.
Luckily, we live in somewhat ofa veteran town, you know that

(08:43):
helps, but, yeah, give yourselfa little bit more credit,
because Cause I think that, uh,it's important for top realtors
to understand what they're worth, and as we went through this
whole um NAR lawsuit you had so,oh my goodness, I could not
stand, and still can't, when Isee the post about the NAR and
all this stuff.
It's like, guys, you know welive in Texas, right, we've had
a buyer's rep for quite sometime now.

(09:05):
If you haven't been using it,then yeah, it's a surprise to
you, but nothing's reallychanged much on our end.

Speaker 2 (09:11):
Yeah, I think there's a lot of opportunity to be
entrepreneurial in real estate.
But I mean, if you really don'twant to, you don't have to.
You can follow a guide fromsomebody else.
There's.
You know, agents love to teachother agents how to do things,
so you just follow somethingthat someone else sets up and

(09:32):
and you can be successful doingthat.
You don't have to beentrepreneurial.
But yeah, you're right, thereis a lot of opportunity to be
entrepreneurial, to develop yourown anything lead sources,
business style, brand, all of,yeah, all of it.

Speaker 1 (09:41):
Big, important thing, yeah.
So what, what?
What steered you towards realestate?
I mean, you didn't have aparent that was in real estate,
anything like that.
So what was it like?
You were watching TV one dayand the National Real Estate
Association popped up.

Speaker 2 (09:57):
Right, no, I was actually.
I was on my second deployment.
I was in Afghanistan and I knewI was getting out.
I was going to get out at theend of my enlistment I had met
my husband.
We were just dating at the time, okay, but I knew that I was
not going to re-enlist, so I waskind of in this venture to find
what I wanted to do.
I didn't know what I wanted todo when I grew up in the

(10:19):
military, and so I startedreading a bunch of investment
books while I was deployed, andone of the other guys that I was
with recommended Rich Dad, poorDad.

Speaker 1 (10:27):
No way.

Speaker 2 (10:27):
Yeah.
So it's like you know thegateway to investing, the
gateway book to real estate andentrepreneurialism.
So it gave me a differentmindset about money.
And that's when I really likethe light bulb turned on of like
, oh, I don't have to work forthe government, okay, I can make
my own money.
And then I started reading allof the books that were in that

(10:50):
book.

Speaker 1 (10:50):
Which are probably all stacked right there.
Probably no joke.
So funny story.
I'm 38 now.
I probably didn't read a bookcover to cover until I was
Probably didn't read a bookcover to cover until I was gosh,
had to have been 20 and it wasRich Dad, Poor Dad.

(11:11):
I couldn't put it down, and youmentioned that and it was like
holy cow that changed my mindseton a lot of things that I was
somewhat doing but didn't reallyunderstand the whole concept of
it and it put it way intoperspective for me.
So at that time was when Idecided, okay, I'm going real
estate somehow, some way.

Speaker 2 (11:32):
Yeah, exactly yeah and so I mean that book is a
great book to like pick up.
If you kind of don't knowcorrect much about money or you
don't.
You kind of are like you'reinterested in it or interested
in like just not being stuck inthat rat race of I go to work, I
clock in, I get my paycheck andI spend my entire paycheck on
all these bills and then now Ihave to go to work again.

(11:53):
If you want to get out of that,rich Dad, poor Dad is a
fantastic book to just kind ofopen that lane of possibilities.
And so I read that book.
I read all the books that werebeing recommended, all of these
books, and they all talked aboutreal estate.
And so, like nobody ever wakesup when they're younger and
they're like I want to be a realestate agent, like nobody does

(12:14):
that.
But I was like, okay, well, Icould get my license and figure
stuff out.
And so in the beginning I waslike I'll just do commercial, I
don't want to deal with families, I just want to do business and
make money.
And I got my license and then Ithink I just started going to
these classes.
I was like, oh no, residentialis fun, it's cool.

(12:35):
I just started learning moreabout it because I didn't.
I mean, I bought a home with myVA loan when I was in the
military, but I was likeoblivious to the process.
I didn't, I wasn't payingattention or anything.
And I actually did when I wasthinking about becoming a real
estate agent.
I reached out to my agent and Iwas like, hey, I'm thinking
about becoming an agent.
He's like nah, you don't wantto do that Really.

Speaker 1 (12:56):
Yeah, what the hell was that about?

Speaker 2 (12:58):
I don't know, like looking back on it, though, like
knowing what I know now now Ican recognize that he wasn't a
career agent, he wasn't in itbecause he loved it.

Speaker 1 (13:05):
That's what I was going to ask.
Yeah, is he still in thebusiness?
That says enough, yeah.

Speaker 2 (13:12):
I don't know him.
That says enough.
I mean, I could look him up.
I think the last time I lookedhim up I didn't find much about
him.
He's not active on social media, which doesn't equal not active
in real estate, but I couldn'tfind anything.

Speaker 1 (13:24):
I mean it equals you're not going to get business
from there.

Speaker 2 (13:29):
Then that's fine.
I mean, there's a lot of peoplethat I mean.
He got me from a referral, somaybe that's his entire business
, which is fine, you know.
To each their own, I don't.
I don't know what he's doingnow.
It was a second career for him.
He retired from the militaryand then got out.
And he just, you know it wasokay, I'm assuming it was okay
for him.

Speaker 1 (13:47):
I wonder if I know him.

Speaker 2 (13:48):
You're not talking about Andy Smith, are you?
That's a very similar name, butnot him.
Okay.

Speaker 1 (13:52):
He's a good dude, yeah, still in the game.
So, okay, yeah, we went throughthe process of that.
You bought your first home,obviously, using your VA loan At
21.
At 21.

Speaker 2 (14:05):
Okay, good deal, good deal.

Speaker 1 (14:07):
And that in itself is something that at that age most
are not even concerned with.
That I know because I'm talkingto them every single day.

Speaker 2 (14:16):
Yeah, they want that charger.
Can I afford the charger?
Or the Tesla or the this orthat?

Speaker 1 (14:22):
It's like goodness, gracious kids, do you not get it
?

Speaker 3 (14:24):
You can't live in those cars.

Speaker 1 (14:26):
But then you find on YouTube that they are living in
their cars.
Babe, come look at this.
They just built this new thingand I want one.

Speaker 2 (14:34):
Yeah, no, they're doing van life.
Yes, I did actually just sellone of my clients.
I closed, like last week, he'sbeen living in his van on
Lackland Holy cow he's beenliving in his van on Lackland,
yeah.
He's like, oh, it's just timefor house.
I'm like, okay, well, you got aplace.
He's like, yeah, I'm living inmy van on Lackland.
I'm like, okay, whatever, he'snot like a young kid or anything
, he's actually this was histhird home, so he's like he's

(14:55):
got it.

Speaker 1 (14:56):
Okay.
I haven't had the opportunityto talk about this at all with
anyone.
What are your thoughts on thiswave of movement?
I don't know what you want tocall it, but there are a lot of
Gen Zers that are 100% livingout, like buying a sprinter van
or buying an old school van,rehabbing it and living in their

(15:16):
home as a home.

Speaker 2 (15:18):
That's great.
I think it's great.
I think it is like, in the nameof freedom, sure, that's
fantastic.
You're not in a lease, you'renot paying somebody else's
mortgage, you don't have thisbig house that you don't need or
you want.
If that is your lifestyle andyou're a van life, and every
couple of months you get anAirbnb to relax in, but you live
in your van, like me and myhusband, we've talked about

(15:39):
doing van life and just likeAirbnb-ing our property and
doing van life to travel andrent.
I, uh, doing van life and justlike Airbnb in our property and
doing van life to travel andrent.
I think it's.
I think it's great.
Yeah, is it the best investment?
Probably not, but life isn'tjust about making smart
investments.
Like if you live in a van andyour needs are met and you can
pack up and go to Colorado forthe week and then come back and

(15:59):
like your life is super free andnot disrupted by it, I think
that's fantastic.

Speaker 1 (16:04):
I love that.
It's a cool concept.
It really is.
Do you guys have any kids?
No, okay, that's probably whyyou just said that yes.
Yeah, I have a differentperspective than a lot of my
friends, because we don't havekids.

Speaker 2 (16:14):
Yeah.
So I mean I feel a little bitlike I have probably more
freedom than some of my kids, myfriends that have kids you know
, kids come with differentresponsibilities, which is great
.

Speaker 1 (16:24):
Yes, they do, goodness gracious, and then they
start talking and thinking andeating and shitting.
It's like God dang.
No, you're exactly right.

Speaker 2 (16:32):
You're exactly right.
No, no, no, that's great.
But I mean, yeah, I think I seethe freedom aspect of van life
and I'm like that's cool.
I think that that's really cool.

Speaker 1 (16:50):
Wow, it's a.
It's kind of a reverse Cause.
When we go on vacation, at acertain point whether it's day
four or five, six, seven we'relike, okay, we're ready to be
home.
We get to go home to our house.
For them it's like a I don'tknow, I'm ready to be home.
Let me go back to the van.

Speaker 2 (16:57):
Anyway, do you mind if I ask did you grow up in like
a neighborhood where you were?
Were you a lifer in like onearea?

Speaker 1 (17:03):
Yep, yep, I actually grew up right down the street,
right across the street here inParkwood.

Speaker 3 (17:09):
Oh yeah.

Speaker 1 (17:12):
Up until the point I was well, it wasn't until I went
to college.
I left to college.
My parents bought land, built ahome over here in Cross
Mountain.
I'm like you couldn't do thatwhile I was still living in the
house Like what the hell?

Speaker 2 (17:25):
No because kids come responsibility man, we just
covered that.

Speaker 1 (17:28):
You nailed it, that's right yeah.

Speaker 2 (17:30):
No, but I mean, I grew up moving around a lot so I
didn't have an attachment to aplace.

Speaker 1 (17:35):
Makes sense.

Speaker 2 (17:36):
I could like, if I'm living in a spot and you tell me
we're going to go livesomewhere else, I could pack up
my Tupperware bin of belongingsthat.
I have and just go.
I don't have an attachment toplaces, now I do.
Now, this is the first timeI've ever been in one spot.
For this long I've lived withmy husband at our property in
Marion, which is the property hegrew up on.

Speaker 1 (17:58):
Okay, wow.

Speaker 2 (17:59):
He's a lifer in this one spot.
Yeah, and that comes with a lotof things right.
Like he in this one spot, andthat comes with a lot of things
right.
Like he knows, everywhere we go, he knows someone.
He's like, oh, that's him.
I went to kindergarten withthem.
I'm like are you gonna go sayhi?
He's like no, no, I'm not gonnasay this is also an introvert,
which we both are.
So I'm like, yeah, let's notsay hi, but yeah, you know like
he'll, we'll see someoneeverywhere we go that he's known

(18:20):
for 25, 30 years.
And I'm like what is that?
I couldn't name the first threestreets of the three homes that
I, I don't, I can't even say Igrew up in a home.
I bounced around all differentplaces, so it's like one place
like van life here, two weeks,van life there.

Speaker 1 (18:39):
Now let me ask you, you, you I think you mentioned
your your dad was in themilitary, Everyone, everybody,
right.
So did they at the timeunderstand or have the
opportunity to leverage the VAloan that you got to see at that
point in time?

Speaker 2 (18:57):
Yes, so my mom bought her first home with the VA loan
.
I was maybe like eight so I sawthat and I was, like you know,
a kid but presently conscious tooh, mom just bought this home.
But I think something that wasreally unique about the way that
I grew up is that, like thesewere all just normal things.
So watching my single mom buy ahome by herself with a VA loan

(19:20):
while she's got two young kids,that was really cool to see, but
I didn't appreciate it at thetime.
And then we moved down here toSan Antonio and went up into
shirts and she bought anotherhome.
And then she moved down toCorpus, bought another home and
then she sold those homes andthen I helped her buy a home and
then she kicked you out.
Yeah oh no, I left as soon as Icould, you know, went to college

(19:44):
, went to the Air Force I love,but I but you know I was still
around here.
So I stationed at Lackland.
So you know, my mom's stillhere and I'm watching all of
these things happen.
And so by the time I'm a realestate agent.
I've watched her use her VAloan, you know, three or four
times and I I don't really knowthe difference.
She's also the one that sheencouraged me to buy my home

(20:05):
when I was 21.
You know, I got back from myfirst deployment I had a couple
dollars in my pocket.
That's all you need, yep.

Speaker 1 (20:12):
Apparently it is, apparently it is.

Speaker 2 (20:15):
I had like no business buying a home.
And she was like you're renting, oh, I actually.
Oh, I told this story at ourconference.
But I love this story.
How, like when I was, I justgot back from my first
deployment and I told my mom I'mlike, oh yeah, me and my
friends we're house hacking.
We're house hacking.
You know, I have this roommate.

(20:36):
She bought a home and I'mliving in that home and I get
this home and we've got all ourdogs and I've got a pool.
I'm paying $600 a month.
I thought I was so smart.
No, I was paying $600 of hermortgage.

Speaker 1 (20:50):
So my mom was like sweetie.

Speaker 2 (20:53):
You are a sucker.

Speaker 1 (20:57):
We're going to get you your own home Wow.

Speaker 2 (20:58):
And then we did, yeah , and I mean I had no business
buying a home, I was 21.

Speaker 1 (21:07):
I was, you know, just not the smartest person, but
you at least at some point wereinstilled or instructed that
paying rent is for the birds.
Yes, in every sense of the wordMeans to an end.
You got to do what you got todo, but at a certain point, hey,
it's time to and I don't evenwant to say grow roots, it's

(21:29):
build equity.
I mean super simple.

Speaker 2 (21:36):
Yeah, I didn't really understand the concept of that.
But once my mom was like, no,you buy your own home, I was
like, okay, I bought my own home.
And then I immediately broughtin my own roommate and she
started paying half of mymortgage for me.
And then when I deployed thesecond time, I was dating my
husband at the time we were justdating and I was like hey,
listen.

Speaker 1 (21:49):
I'm going to charge you rent too.

Speaker 2 (21:52):
Well no, he had his own home in Marion.
So I told him I was like listen, if I get back from this
deployment and you asked me tomove in with you, and this home
sat vacant for all this time.
I'm going to be pissed.
So, that was my really romanticway of saying I'm going to move
in with you when we get back,she's got a silver tongue.
Ladies and gentlemen, I knewwhat I wanted, and so when I

(22:12):
left, I rented that home, and sothat home was rented, took care
of it, I lived in it for like ayear and then it was rented as
a rental for the next five orsix years.
And then, when we were me andmy husband were getting ready to
build our own home, I sold thathome.
A tenant had paid down all thisequity in it and.
I pocketed like 50 grand fromit, absolutely.
And I'm like I don't know abunch of I think it was like 28

(22:35):
or 29 at the time I'm like Idon't know a bunch of my friends
that have 50 grand to theirname and they're able to now buy
their dream home or build theirdream home, also using a VA
loan, and you know, there's justnot a lot of 30-year-olds that
can say that they've done thatand that never would have
happened if I didn't buy thatfirst home.

Speaker 1 (22:53):
That's fact, that is fact Wait you say you're 30?
.

Speaker 2 (22:58):
I'm more than 30 now.

Speaker 1 (22:59):
I built my dream home when I was 30.
Whoa okay.
Like you go girl, all Whoa.
Okay, like you, go girl, allright, okay.
So I'd like to dig into some ofthe veteran aspects of not only
the loan side but then buyingand how you've helped them, et
cetera.
And I've got somewhat of avideo to play and I will stop it

(23:20):
throughout because I want toplay the myth buster concept,
simply because I believe thatthere are plenty of and I can
tell you are 100% genuine agents, lenders like you that truly
believe in helping the veteranuh, for its pure cause of

(23:42):
getting them into a home,building the equity, not wasting
their funds, being able toleverage what they have access
to and nobody else does.
And then there are lenders,realtors, that, let's call it,
fake the funk.
They use that as a predatoryway to attract customers simply

(24:06):
by educating, because they knowguidelines or what have you, and
are just doing it to because itis a spigot of business that,
100%, if you do it the right way, the veterans will be attracted
, if that makes sense, yeah.

Speaker 2 (24:19):
It's a, it's a definite like lane, it's a path
and it's you know, it's not aprotected class, so you can
market specifically those guysas hard as you want.

Speaker 1 (24:22):
And it's a, it's a definite like lane.

Speaker 2 (24:23):
It's a path, Yep, and you know it's not a protected
class.
So you can market specificallythose guys, as hard as you want.

Speaker 1 (24:29):
It's not discriminating.

Speaker 2 (24:30):
But yeah, let's, that's, exactly right.

Speaker 1 (24:32):
So, JC, if you could throw the reference up and shout
out to all of the subscribersthat continue to watch this
boring mortgage real estatepodcast.
We're at seventeen thousand sixhundred and growing, you guys.
So we really appreciate it.
I think we're.
I was looking this morning andI was watching the video I'm
about to play.

(24:52):
I clicked on the lady's channeland scrolled to the bottom and
it went like 170,000 total viewsand I went, oh wow, that's a
lot.
I checked mine because I hadnever done that, and we're
actually at like 750,000 views.
So I'm like, okay, cool, sopeople are watching this, but
this video here and I'm going toturn this around.

(25:13):
I'll stop it throughout to justkind of talk about it, but here
we go.

Speaker 3 (25:18):
Are you a veteran or no?
One who might be missing out onsome incredible real estate
benefits?
Whether you're looking for yourfirst home or ready to downsize
, these lesser-known veteranbenefits are here to make owning
a home easier and moreaffordable.
Today, we're talking about thetop 10 real estate benefits that
most veterans don't even knowthey have access to.

(25:39):
Let's jump in and unlock somesavings.
First up, one of the mostwell-known but underutilized
benefits VA loans.
Now, I've met a lot ofhardworking veterans who think
this is too good to be true, buttrust me, with a VA loan,
qualified veterans don't have toworry about a down payment.

(26:00):
Zero zip, not a down paymentzero zip, not a down payment.

Speaker 1 (26:09):
I'm gonna pause it.
I'm gonna pause it right there,because that, in essence,
already right out the gates, isa misconception, in my opinion,
simply because is it possible?
Absolutely, is it guaranteed?
Not at all.
Meaning 2020.
You try and throw a VA offerout there and the appraisal
comes back low.
Well, now your veteran isputting money down.

(26:30):
There are many other casesdon't need to go down the roads
of them that, let's say, wecan't get an approval automated
for our underwriting system forveterans got 580 credit score,
low DTI, but we're just notgetting an approval.
So therefore I'm going to tryand have them put 5% down.

(26:51):
Boom, all of a sudden it'sapproved.
So now they do have to put adown payment.
In that case scenario, what areyour thoughts on that?

Speaker 2 (27:03):
On what?
Specifically?
Saying that it's zero down.

Speaker 1 (27:06):
Saying that zip zilch nada.

Speaker 2 (27:09):
Well, I mean, it's generally, it's true.

Speaker 1 (27:12):
How about inspection?
How about appraisals?
I'm not going to use that,because we even pay our VA
appraisals.

Speaker 2 (27:26):
I mean there are associated costs.
Sure, sure, the loan itself iszero down.
So I understand why people usethat as marketing, because the
loan itself is zero down.
Is it zero down?
Can you get out?
Can you get into a home with nomoney out of pocket?
That is really stretching thetruth.
But is it zero down on the loan?
Yeah, so I don't have a problemwith it.

Speaker 1 (27:45):
Unless it's the veteran that's using bonus
entitlement that now has to put25% of the difference over their
entitled amount.

Speaker 2 (27:53):
Yeah, those people probably aren't watching the
first time home buyer VA video.
So the general, generally,someone who knows absolutely
nothing about using their VAloan.
If they're qualified, in mostcases it's going to be zero down
.

Speaker 1 (28:07):
So I mean, I don't.

Speaker 2 (28:08):
So, in this aspect, this video was obviously created
by AI, which is fascinating tome.
It's not.

Speaker 1 (28:15):
It's this lady talking about.
I went to the channel andeverything.

Speaker 2 (28:19):
I would put 50 bucks this entire video is AI
generated yes.
It's all B roll, it's all Broll, which, by the way, I don't
want to say that is a can of apicture.
Yes, I don't know this agent atall, I'm sure they're doing
great.

Speaker 1 (28:33):
She's not even in Texas.
Yeah, she's not even in Texas.

Speaker 2 (28:35):
We don't know her but one of the things that matter
of fact, she's not even an agent.

Speaker 1 (28:39):
This channel is based on the entire.
After that we're going to check, but it should come with
somewhat of a disclaimer.
But, like you said, they're notprotected class.
So therefore, market, market,market right.

Speaker 2 (28:53):
Yeah, I mean this is top of funnel marketing.
There you go.

Speaker 1 (28:58):
This is content created to generate more
questions Yep, you got it, let'skeep rolling.

Speaker 3 (29:03):
We're talking thousands, maybe tens of
thousands of dollars saved rightoff the bat.
Next up is a real money saverno private mortgage insurance or
PMI.
Pmi is one of those hiddencosts that can sneak up on you
and add hundreds to your monthlypayments.
But here's the beauty of a VAloan you get to sidestep that

(29:26):
PMI trap entirely.
That means more money in yourpocket every single month.
Now let's talk about creditscores.
We all know life throwscurveballs.
Maybe you're still buildingcredit or you faced some
financial challenges in the past.
The good news is, va loans aremore lenient on credit scores.

(29:46):
So even if your credit isn'tperfect, you still have a good
chance of getting approved for amortgage at a competitive rate.
It's all about giving veteransa fair shot at the American
dream.

Speaker 1 (29:59):
So thus far, number two and three are on the money.

Speaker 3 (30:05):
Here's something that'll really blow your mind.
You can actually reuse your valoan benefit.
That's right.
It's not a one and done deal.
So let's say you buy your dreamhome and a few years down the
line, life throws you acurveball.
Maybe you get a killer joboffer in another state, or it's
time to downsize for retirement.
And speaking of selling, here'sa tip that'll make your realtor

(30:28):
smile.
Va loans are assumable.
If you snag an amazing interestrate on your loan, a new buyer
can take over those paymentswithout starting from scratch.
Now that's what I call awin-win.
It's a huge selling point thatcould land you a better price or
a faster sale.

Speaker 1 (30:47):
Let's talk about this for a moment.
Have you dealt with any ofthose just yet?

Speaker 2 (30:51):
Yes, I did.
We just closed the oneassumable loan that I've closed
earlier this month.

Speaker 1 (30:57):
Let's talk about it.
How was that transaction foryou?

Speaker 2 (31:01):
It wasn't terrible, I'll say.
There was another agent who wasthe buyer on the other side,
and so they handled almosteverything.
They had a contact within theloan company who was servicing
it, and so they just they wereon it every day hey, what's an
update?
Hey, what do we need?
And then the lender, you know,for some reason they just don't
really want to talk to us.
They would rather just talk tothe client.

(31:23):
And so they would just kind ofinclude us on the emails and go
straight to the client with whatwe needed.
And then I have a TC who's likekeeping up on stuff.
So it really wasn't that bad.
It took like all of 60 days butfor the buyer, who got a 2.73%
interest rate it's worth it, soworth it.
But it's.
I mean a lot of people talkabout, oh, assumable loans.

(31:45):
It's this great thing Like it'srarely.
I mean, it's hard for it towork out unless the buyer has a
ton of cash.

Speaker 1 (31:54):
Boom.
Okay, that's the point that Iwanted to hone in on.

Speaker 2 (31:56):
It's the gap, absolutely yeah.

Speaker 1 (31:58):
And we're in a situation right now to where the
reason it's even coming up is2020, 2021, when everybody was
getting free money.
And now we fast forward andit's being heavily marketed.
I'm seeing it.
All this is assumable.
It's assumable.
I understand why We've gotbuyers all over the country that

(32:21):
are coming to Texas, but theone question that either is not
proposed or is overlooked isthat idea of filling the gap.
If this seller is going tobring money to the table,
chances are it's not going towork.
It's the buyer that needs tobring the difference in the gap

(32:44):
on the sales price or what haveyou from the loan amount.

Speaker 2 (32:47):
Yeah, it depends.
I feel like having your loan beassumable is just another tool
that we can use, if it works.

Speaker 1 (32:54):
Absolutely.

Speaker 2 (32:55):
So I mean for us, the one that we closed.
It was a 2020 new build thatwas in a community of other new
builds still being built, so wewere trying to sell all of this
year all of 23, and the builderin the same community was
offering brand new homes aroundthe same price but with a 4%
interest, and so it was reallytough to compete.

(33:16):
I don't know if we would havebeen able to get that home sold
if it weren't for the assumableaspect of their loan.

Speaker 1 (33:22):
Good point, yeah, I mean, and going down the road of
the idea and I had written thisdown a while ago is the idea of
the realtors and I can't saylately, because it's slowed down
a little bit in regards to therealtors taking them directly to
a new construction becausethat's where they're going to
get the lowest payment, butoverlooking the concept of how

(33:45):
long are you going to stay inthis property, concept of how
long are you going to stay inthis property, because what
we're coming to find is the 2020, 2021 price is now being cut
and everybody that bought in2020, 2021 is now stuck in
upside down in these newconstruction communities and,
unfortunately, in Texas thatrarely happens at all, if at all

(34:08):
.

Speaker 2 (34:08):
Yeah, I've had a lot of these conversations this year
, because I did have it waswhether they're my clients or
they.
Just they bought a home with anew build and now, three years
later, they're ready to PCS orready to move, or ready to move
up or do something else, andthey've got this low interest
rate.
But it's like, yeah, well, wewouldn't.
I mean, you're competing withthe builder, the builder.

(34:30):
And so you kind of have to havethis conversation of hey, either
you're not moving or you'rerenting, that's right, and a lot
of people see that as a badconversation.

Speaker 1 (34:39):
And what she means is renting out that property.

Speaker 2 (34:41):
Yeah, instead of selling it, renting renting that
home instead of selling it.
And I'm like, well, you'rePCSing either way, so you're
leaving.
So we have to figure out whatwe're going to do.
Well, you could waste six,eight months on the market or
you could rent it.
And they're like, well, I can'trent it for what my mortgage is
.
I'm like, okay, so we'retalking about, you know, a
deficit, right?

Speaker 1 (35:01):
What is the deficit?

Speaker 2 (35:02):
between the rent and your mortgage payment and your
increased mortgage payment,because now you don't have your
homestead exemption or your VAdisability exemption on there,
so you lose your exemptions.
Your payment goes up on thehouse.
Now you're renting it.
Maybe there's a deficit of $200, $300.
Sure.
And so you're talking with theclient about okay, you're either

(35:23):
like what is your alternative?

Speaker 1 (35:26):
That's right.

Speaker 2 (35:30):
But if you're paying $200 into this property every
month like think of it as asavings account You're still
growing the equity.
If the tenant is paying to stayin there, they're paying the
vast majority of your mortgage.
Your mortgage is going tocontinue going down over the
next three, four, five years.
Just think of that home now asa rental.
It's, it's tied up.
You know somebody else is goingto be renting it.
We're just going to have toshift our mindset a little bit.

(35:52):
But it's like it's either thator like what is your alternative
?
But there's a lot of agents thatkind of don't really know how
to have that conversation withthe clients of like, yeah, real
estate agents help people buyand sell homes, but we're also
there as a long-term guidance,advisor, advisor, to try and
help our clients find solutionsto, you know, sticky situations

(36:13):
just like this.
Okay, you are PCSing and we'relike selling your home is going
to be really difficult.
So here's some of our optionsand I've had that conversation a
couple of times this year.
It when, when clients andpeople just kind of shift their
mindset and see it, it's lessdaunting, it causes less anxiety

(36:33):
, but at the same time it's likeif they don't know that there's
an answer to this and they wantto sell the home.
And then another agent comes inand is like well, we're not
going to be able to sell yourhome, good luck.
And they just leave like or,even worse, they do sell their
home for the commission and theysell it as a loss.

Speaker 1 (36:48):
Convince this buyer or this seller that they have to
bring their savings to thetable to get out of this
situation.

Speaker 2 (36:54):
Yeah, that's why.

Speaker 3 (36:54):
I kind of asked you that?

Speaker 1 (36:55):
because there's a lot of agents that and I don't get
to hear about it until after thefact, because I'm now dealing
with the borrower that's buyinghere and they left that home
back in Maine or wherever it was.
And you go, goodness gracious,did your agent not have this
conversation with you?
Were they not able toarticulate what Renee just did,

(37:16):
which is breaking it down andputting it into perspective?
You typically how much are youputting in your savings account
each month?
Well, about 200 somethingdollars.
Great, what's your interest?
That you're getting Nothing,exactly Awesome.
So now, not only are youputting it towards something
that they're going to pay themajority of the tenants, but

(37:38):
you're also going to have thisyear over year equity growth,
regardless if it's a newconstruction or not.
Eventually that will catch up.
It just always has.
But a lot of folks are nothaving those conversations.
So I'm glad that I asked thatquestion and you knocked it out
of the park.

Speaker 2 (37:54):
Well, I think that that just kind of shows the
times that we're in.
Yeah, If agents got into thebusiness in 19, 20, 21, like
those were wild times and it was.
I don't want to say easierbecause I didn't find those
years easy.
No, I think it was toughbecause there was want to say
easier because I didn't findthose years easy.

Speaker 1 (38:09):
No, I think it was tough because there was so much
business.
It was more volume, that'sright.

Speaker 2 (38:13):
It was the volume aspect that got a lot of people
excited.

Speaker 1 (38:16):
Yes, ma'am.

Speaker 2 (38:16):
And then, once that volume trickled down, a lot of
people were kind of standingaround and like, oh, this is not
what I have experienced thelast couple of years and they
don't really know what to do ina market that, oh well, what do
you mean?
I just I put it up for sale andit's not sold.
What do you mean?
We don't have 10 offers and soit's just.
I really think 20, the end of 22, 23 and 24 have been incredible

(38:39):
skill building markets and Ireally hope agents have taken
some time to go and listen toagent podcasts where they're
talking about this stuff andeducate themselves on not just
like how to shoot their nextreel, but how to talk through
contracts and have thesedifficult conversations with
clients, because you can go inand tell them don't worry, it's
all going to be okay, we'regoing to put your home on the

(39:00):
market, it's going to sell.
That's not always what theyneed to hear.
Sometimes they need to hear itListen, guys, y'all made a bad
investment.
I'm sorry I wasn't there toguide you.
Maybe it was with another agentor maybe they just bought it by
themselves.
A lot of people go in, buy abrand new home from new home
construction guys and those guysare not licensed.
They do not have to advise youon anything.

(39:22):
They're not there for you.
They are there to get the homesold for the builder.
They can't have theseconversations.
Most of them do not understandthe dynamics of real estate, how
the market turns, like all thedifferent nuances of what's
going on it, and it took me along time to get here to know
that.
So it you know agents.
There's thousands of agents inSan Antonio.

(39:44):
Some of them are great, some ofthem just don't have the
experience to have thoseconversations yet never really
had an opportunity to establishthe basics.

Speaker 1 (40:10):
What we learned?
A contract, how to read acontract, how to where it goes
where, how to have thosediscussions with a buyer or a
seller, how to turn away atransaction if the seller or
buyer is not realistic Great wayto put that.
Yeah, there's still plenty ofagents that are going yep, I'll

(40:33):
list it for 500 and it's worthfour.

Speaker 2 (40:36):
And they will learn a lot.
Like, listen, I've been there,yeah, I have taken listings that
were never going to sell, yeah,and you learn so much, right,
but like big asterisks, but likekind of a good, good, bad,
double-edged sword of thisindustry is that the barrier to
entry is so low that sometimespeople just haven't learned that

(40:58):
yet and so you have real estateagents that haven't learned
that and can't speak fromexperience on these deals that
have kicked their teeth in.
You know, sometimes, sometimesthat's I think that's just kind
of like the nature of realestate is sometimes you just
have to learn the hard way.
But then you get 10, 15, 20year agents that have learned
the hard way for the last 20years and then you talk to them

(41:19):
and you're like, wow, you knowso much.

Speaker 1 (41:21):
It's like, yeah, because I learned the hard way
on a lot of things, yes, so wecan actually skip the rest of
this, because we're having somegood dialogue here and what you
just talked about actually leadsinto a cool transition of
Galear.
Did I say that right?
Learning through Galear.

Speaker 2 (41:41):
Failure.

Speaker 1 (41:42):
You put on the form Galear.

Speaker 2 (41:43):
I looked it up in chat GPT.
I'm also a little dyslexic.

Speaker 1 (41:46):
I can't spell for shit, I can't spell my name.
Oh my gosh, okay, I can't spell.
For shit, I can't spell my name.
Oh my gosh, okay, so funnystory.
Failure so funny story.
I threw that in chat GPT.
I'm like maybe she made up acool ass word.

Speaker 2 (42:00):
Part of my branding and literally it is.

Speaker 1 (42:03):
it says that Gale year seems to be a combination
of gain and failure at the sametime.
So this individual was creatinga new word, not in the
dictionary, called GaelierFreaking.
I'm not even joking, that'schat GPT.
I was like what is Gaelier?

Speaker 2 (42:23):
I have questions for chat.

Speaker 1 (42:25):
You're not.

Speaker 2 (42:25):
Listen, like it's ahead of its time, If that's
possible learning throughfailure that learning through
failure, gaining through failure.

Speaker 1 (42:34):
I'm using it like you gave me this that's the only
thing I write, so you didn'tintend that to be the thing.
How cool.
Okay, that's legit.
I thought that was glamorouslyfailing either one that's all
glamorously gained by failing.
Yeah, yes so let's talk aboutthat, because we're already
leading into that concept.

(42:55):
And what the premise of thistransition?
This next topic is being ableto go through many situations,
many scenarios.
I always say there's nobodythat's failed more than me,
because I fail every day, but Idon't stop.
I learn from them.

(43:15):
We've got good days, growingdays, and some days you just
want to go God, but regardless,you don't stop.
And simple scenario is propertyflipping.
You can go to college and pay$40,000 a semester to get this
college degree.
Or you can try and flip a house.
Let's say you lose 40 grand.

(43:36):
Okay, great.
How much did you learn?
Yeah.
Next question are you going todo it again?

Speaker 2 (43:42):
Does that make sense?

Speaker 1 (43:43):
Yes.

Speaker 2 (43:44):
Yeah, we've started using this phrase.
When you waste a lot of moneybut you learn something, it's
not a waste of money, it'stuition.

Speaker 1 (43:53):
Absolutely.
That's right, that's exactlyright.

Speaker 2 (43:56):
So I mean yeah.

Speaker 1 (43:58):
I went to college four years, almost five years,
didn't graduate.
Got in an argument with my lawprofessor and said I'm out, I
can do this entrepreneur thing.
And all of the kids around me Isay kids, we're all now adults
Um, I can't say they were assuccessful, cause everybody has
their own version of whatsuccess is, but um, are still

(44:20):
trying to find employment orjumping from job to job, or
trying to figure out what theywant to be when they grow up
concept yeah, meanwhile, you'vegot people plenty of people out
there that learn through failure.
Yeah, what I mean?
Is it something wrong with us?

Speaker 2 (44:40):
No, I think failure is the I mean, it's the right
word, it's the wrong word, likethe mindset around it, I don't
mind failure.
Like when I was in the, themilitary, that was drilled in
our head failure is not anoption.
I'm like, okay, you can't fail.
And so it's like how do youlook at failure?
Like if failure is not anoption?
What happens when you fuck upat like did you fail, right?

(45:01):
No, not, until you quit did youfail.
So, like you're talking to athree-time college dropout, yeah
, listen, okay, what?

Speaker 3 (45:08):
a stem Okay.

Speaker 1 (45:08):
I know a thing or two about failing forward.

Speaker 2 (45:12):
I've been like I've been fired from a team because I
sucked at cold calling.
And I remember like in my cardriving on my way home from that
, just bawling my eyes out andjust calling one of my friends,
like I'm so sad I got fired andI'm like thinking that like, oh
well, I quit being at this otherreal estate brokerage because I
wanted this job.
And, oh my gosh, like myworld's crumbling around me and

(45:35):
I'm like the three months that Iwas on that team trying to cold
call I learned so much.
I made absolutely no money, butI learned so much and you know I
had this mentor, was the teamleader and I learned so much
from him in those three months.
It's like how can you look backon that and say it's a failure?
In the moment it feels like afailure because I have tears and

(45:59):
snot streaming down my face andI technically have no job.
Was it here in San Antonio?

Speaker 1 (46:05):
Yeah, Was it Levi no?

Speaker 2 (46:07):
No, it was a guy at a Keller Williams team Okay, and
he's now at Real with us.
That's awesome.

Speaker 1 (46:14):
He's on my downline.
He's actually not.
I wish he was.

Speaker 2 (46:18):
That's funny, but I mean, it's just like I could
look at so many different timesin not just my real estate
career but my whole life is likeyou know well, something didn't
go your way, but that's becauseyou were supposed to be doing
this other thing, or you had tolearn something the hard way.
I, the best way that I learn isthrough failure.

(46:39):
Like, and that's just becauseI'm stubborn and hardheaded and
I don't listen.
Like I can be told it 10 timesand I'm like, oh, I'm still
going to touch the Absolutely.
It seems like fun.

Speaker 1 (46:48):
I talk about a story of my mom would tell me well, it
was one, it happened one timeDon't touch my curling iron,
it's hot.
I'm like, of course I'm goingto touch it.
Then I put my tongue on it Likejust in case it is hot.
Fuck, won't do that again.
Fuck, won't do that again.

(47:11):
Yeah, kind of like the fingerin the light socket you gotta do
it, you gotta do it.
But there are plenty of peopleout there that, whether it's
fear or, um, their alter egothat's telling them not to their
better lack of better judgment,I, I don't know, lack of
experience it's over analyzingand you know there's, like my
husband's, the yin to my yang.

Speaker 2 (47:30):
He will think about things and he will think it
through and he's got a.
He.
I have the great ideas and he'sthe one to go.
Renee, maybe we should thinkabout like X, y and Z he pokes
the holes, he pokes the holes.
Yes, which is infuriating, butNecessary, necessary, but
necessary, necessary, yeah, verynecessary.
Thank you, tyler.
Shout out t money.
Shout out to my t money.

(47:51):
Yes, he keeps me grounded, I,but I mean you kind of have to
have that right, like realestate agents.
To be a good real estate agentor entrepreneur, you have to
have, like this, risk tolerance,your risk tolerance.
You have to be risky, like riskit for the biscuits, and I like
biscuits yes so like go outthere and risk it, don like
really put your family in dangerof like losing your house or

(48:12):
anything, of course.
Like set yourself up to be ableto take those risks.
Yeah, because like, if you'renot going to take risks, okay,
like go get a job, go get agovernment job, you don't have
to risk it, just show up to workthat and you'll get paid.
But with this industry, I feellike the more risk tolerance you
have, the more opportunityyou're creating for yourself.
Like some things are just goingto go wrong.

(48:34):
Absolutely, it's going to happen, but some things are going to
stick.
The more things that go wrong,the more chance you have that
something's going to go right.
And it's not going to go rightif you're just sitting on the
couch going, I'm really scaredthat it's going to go not the
way that I want it to and it'slike whatever.
And it will pass you by yeah,someone else will do it.
That's right, and then you'llbe sitting on the couch
scrolling Instagram and be likeI wish I did that.

Speaker 1 (48:55):
Consuming consuming consuming.

Speaker 2 (48:59):
Consuming the content , not doing it, and I mean to
each their own.
Some people are just going tobe like that.
They don't have the risktolerance, that's fine.
Yeah, some of us are wild andkind of dumb and, you know, just
want to go out there and try itand touch the curling iron,
that's right.
And now we've got a story abouttouching a curling iron.

Speaker 1 (49:17):
Absolutely, and there are plenty of folks out there
that are less risk tolerant.
We're seeing it a lot more inthe younger generation.
I don't want to generalize, butit's it's got awful.
True, and it is difficult to gothrough the same failures as

(49:40):
you get older than it is whenyou're younger.
If that makes sense, would youagree?
I don't know Well, for example,um, you are able to take more
risks not having children, I'dagree.
Me Less.
I can't do what I did when Idid what I did.
Why?
Because I've got other thingsthat are now watching

(50:05):
responsibilities, etc.

Speaker 2 (50:07):
I would challenge you on that.
Okay, you can still do the samethings, you just have to
prepare yourself differently.

Speaker 1 (50:13):
I don't disagree with that.
That's actually a good point.

Speaker 2 (50:15):
Yes, you have more to consider when you're preparing
for it.

Speaker 1 (50:18):
For sure.

Speaker 2 (50:20):
Which is kind of part of but with the lack of
experience and failure.

Speaker 1 (50:23):
How do you know what to consider If you've never been
through this new venture?

Speaker 2 (50:33):
journey et cetera so you're hoping that.

Speaker 1 (50:33):
Tyler pokes some holes in this thing for us, but
yet you just do your best,absolutely Do your best.

Speaker 2 (50:36):
Cross your fingers, try and look at it and see what
could like.
What are the contingencies thatcould go wrong?
It's like it's like closing adeal.
It's like getting undercontract on a house, like
anything could happen.
It's like closing a deal.
It's like getting undercontract on a house, like
anything could happen.
Yeah, all we can control iswhat we can control.
All we can prepare is what wecan prepare for what we foresee
might happen.
Let's, let's prepare a littlebit and then whatever happens,

(50:58):
like just figure it out.
I don't know.

Speaker 1 (50:59):
I like that.
I like that, I really do.
JC how are we doing on time?
56 minutes and 30 seconds.
Okay, I've got one more topicand then we can free-for-all or
we can end it, but this lastthing topic is somewhat about
today's market.
We went through 2020, 2021.

(51:23):
Excuse my language, but ballsto the wall, go, go, go.
There wasn't enough time in theday to be able to do the amount
of business that I'm sure yougot to partake in as well.
Fast forward to today and we'restill running and gunning, but
doing it differently than most,because most are going.

(51:43):
Where are you getting yourbusiness from?
How, I mean, should I get outof the business?
I don't know, whereas you'vebuilt a successful career in
doing this a a business aroundit.
Um, when you were at one point,you were an individual agent on
your own.
What was it like going throughmanaging yourself, and how were

(52:08):
you able to, like, stay awayfrom the burnouts, or were you
not?

Speaker 2 (52:13):
I was not.
I was, uh, I hit burnout realum hard and fast in uh 20, 21.
I really hit a wall of burnoutand this is something that I
mean.
24 was an amazing year for mefor so many reasons not having
anything to do with thetransaction amount but in 24, I

(52:36):
came back from burnout and Ithink I'm maybe a step ahead of
some agents, because I reallythink there's a lot of agents
hitting burnout right now.
They're really feeling it andthey're stuck and they feel like
really spread thin and notreally sure, like you said,
maybe thinking about getting outof the business.
And I've been there before,like not that long ago, in 23,.
I remember like January of 23,all the agents in you know we

(53:01):
had gone from from 3% mortgagesto 7% mortgages in like six
months.
All the agents that I was aroundin, like my online spaces, my
Facebook groups and the peoplethat I'm seeing, are all oh,
nobody's ever going to buy ahome again.
I'm getting out of the businessI haven't.
You know, I'm never going toclose a deal again.
And I was spiraling Literally.

(53:25):
There were multiple days whereI couldn't get out of bed
because I was so distraught atthe thought that, oh no, now I
have to work harder, like I'vebeen working so hard.
And what led up to the burnoutis probably a little bit
different than other agents isthat it was in my personal life.
We had custom built our dreamhome on the property that my
husband had grown up on, and itdidn't go well.

(53:47):
We had, we had so many issuesand just there's a lot of stuff
in my personal life that reallythrew a wrench in a lot of our
plans.
And then so I really just triedto bury myself in work.
But and so that happened 21, Istart getting real burnt out.
And then 22,.
You know it was starting to getreally hard.

(54:09):
Even with low rates, it wasstill really hard because most
of my clients were buyers and Iwas like, oh my gosh, how am I
going to get.
Like a lot of my VA clientswere having such a hard time
getting under contract onanything and like it was just
shit was tough, right.
And so in 23, I felt like Iworked three times as hard for a
third of the pay, a third ofthe profit, a third of the

(54:33):
transactions.
Like in 23, I closed 17 homes.
That's shit numbers for arealtor who, like I, retired my
husband in 21.
I'm the sole income for ourhousehold, and so that was, and
I was working so hard and I waslike what is happening?
I'm working, I can't work anyharder than I'm already doing

(54:54):
and I'm not make like I'm notgoing upward in growth.
Yeah, I thought that was theplan.
I was going to get better.
And then you know all theseforces that were outside.

Speaker 1 (55:03):
I appreciate you continuing this, because I'm
sure there's tons of others thatare going through or absolutely
continue yeah.

Speaker 2 (55:13):
I mean, and I just felt so like spread thin fried.
I had such brain fog like I wasso stuck in this spiral that I
could not figure out how to getout of it.
I looked at other jobs like Ithought about quitting real
estate altogether because I washaving such a hard time.
And I talked to the mentor andI kind of told him all this

(55:35):
stuff and he's like, no, likewell, one Tyler, love Tyler.
He's never going to let me getout of real estate.
Right, he's working with me now, but he sees how much I really
like it, I'm good at it, likethis is a lifestyle.
And he's like like he would.
He was the one coming up andsaying like listen, we got to
pick you up.
You're, you're knocking it outof real estate.

(55:57):
It's okay.
But at the same time he's likeprobably watching was like what
is going on?
Like there's only so much thatsomebody else that he can
understand and help with Right.
And so I really I this was.
To me it was hitting rockbottom, Like, obviously, looking
at my life, it's not rockbottom.

Speaker 1 (56:10):
No, but in that moment that is all that matters.

Speaker 2 (56:14):
In that moment I felt like it was my rock bottom.
It was I'll do anything to turnthis around.
And so I had.
I went back to therapy in like20, at the beginning of 23.
And I I tell people they shouldgo to therapy, like you don't
have to be stuck in therapy fora decade, you can go
episodically or start a podcast.

Speaker 1 (56:35):
It's a lot cheaper.

Speaker 2 (56:36):
And talk to yourself and your friends.
But if you have a good friendthat can, like give you pointed,
real advice, you know, to me Ifelt like I couldn't.
I didn't want to rely on myfriends it's not their job to
tell me the truth.
So I found someone who it wastheir job to tell me the truth
and she opened my eyes to hey,she showed me in my life where

(56:59):
some of my own destructivebehaviors were holding me back
and I had to look at myself andbe like, okay, I'm the problem,
which is obviously.
People say sometimes you arethe problem, obviously.
But she was really good atpointing out like, hey, do you
think this behavior might not beserving you well?
right, I was like oh wow, andfor me it was quitting.

(57:20):
Yeah, I would it was likeself-sabotage yes, I would
self-sabotage by startingsomething and and it would get
hard and it would not be quiteas fun as when I started it.
And then I'd go, oh well, I'lljust start this other thing.
And at the time I had justhelped real launch the military
division and I told my therapistI was like I can't fuck this up

(57:43):
, I'm not going to quit this.
Like, if there's anything thatI'm not going to quit it's going
to, it's this.
And you know, if I had, if Ihad started something like that
in my name for myself, Iprobably would have quit when it
got hard.
But it got really hard and Iwas like I'm not going to let
myself quit, I have to figurethis out.

(58:04):
And so I looked at myself and Iwas like, okay, I'm going to
give myself 24.
I'm just, the entire year isdedicated to learning how to
manage me, didn't worry abouttransaction count, didn't worry
about anything else, no newmarketing, no new stuff, just
figure out how to manage myself.
And so, little by little, I waslike, okay, what, what's caused

(58:25):
me stress right now?
And so in the beginning it waslike as simple as I have all of
these little to-do tasksfloating around in my head and
they're waking me up in themiddle of the night because I'm
like, oh, I'm gonna forget totext this person back.
Well, I'm gonna forget to sendthat document, I'm gonna forget
to do this.
And so I started just like okay, what could help me?
Let me write this down.
Okay, well, where can I makesure that anytime I have one of

(58:47):
these thoughts, where do I know?
I'm going to write it down now,and I didn't want to add
something, right?
No new things.
What am I already doing thatcould help me with this?
So my Google calendar.
I'm living by my Googlecalendar and so, step-by-step, I
did okay, rolling daily tasklist.
It's an event in my calendarevery single day and it saves
and rolls over to the next day.

(59:08):
So I started just like and it'snot about like using the
calendar, but it was reallyabout like looking at what was
causing me stress and findingthe thing that could help me
alleviate that or manage it ordo something about it, so that
it wasn't ruining my life.
So it started with the littleGoogle daily task list.
Okay, cool, I got that down.
And then the next it was likeokay, well, I have all these

(59:30):
ideas and thoughts andorganization was a problem for
me because I didn't have itliving anywhere.
Yes, and so Tyler, my husband,helped me set up OneNote.
Okay, onenote is like a productwith Microsoft Office that it's
a fantastic organizational likethought sheet or whatever, it's
got a lot of similar to Trelloor similar to um teams tasks

(59:52):
from Microsoft.

Speaker 1 (59:52):
Absolutely, yeah, nerd.

Speaker 2 (59:54):
Well my husband is an it nerd.

Speaker 1 (59:57):
He's actually my tech guy now on the.

Speaker 2 (59:59):
Zunker property group .
He is our, our legit tech guyand he so he's helping me set up
some of this stuff Right.
And then.
So there was one note, and thenit was, let's see, there was
OneNote.
And then OneNote helped a lotby just having my thoughts live
somewhere.
And then I'm looking at my lifeand at business and I'm like,

(01:00:21):
okay, well, I'm doing, you know,not that many deals, but I know
I need to do more.
If I wanted to do more, I haveto get an assistant.
And so I was like, okay, well,I tried getting an assistant.
Previously I failed at anassistant.
I had a virtual assistant.
Failed at that, I was theproblem for sure.
So how can I make sure thatnext time I'm not the problem?

(01:00:41):
I gave myself months to prepareand I read books.

Speaker 1 (01:00:47):
I read management books, did you happen to read
Procrastinate on Purpose.

Speaker 2 (01:00:52):
That sounds familiar.

Speaker 1 (01:00:52):
I don't think I'm going to recommend that to you
Procrastcrastinate on purpose,because what you're talking
about which you probably alreadyhave solved, but it's literally
talking about this specifically, it was recommended by my coach
Of like preparing.
It utilizes the focus funnel,because us, as top producers
number one, we like to be incontrol.
It's hard to let go.

(01:01:12):
Most of the time we're ADD,adhd.
So it's like start a project,move on to the next, next, next,
next, and then, by the end ofthe day, you have 10 projects
and go.
Shit, let's kick it to the nextday and the next and the next
and next.
Yeah, what it does is takesyour, what your tasks are, and
puts them through a funnel.
What can I automate, what can Idelegate?
What can I eliminate?

(01:01:32):
Now, this is what I have to do.

Speaker 2 (01:01:34):
That's probably, and I would say, if there is a book
like that and someone's going togo through it and they want to
be serious, like block out anentire quarter only dedicated.
That is your only skill, you'refocused on that is it?
Like that was something that Ihad to do is like simplify, stop
being so shiny object syndrome.
Like just stop adding all ofthis shit and just focus on like

(01:02:00):
a couple things and stay thecourse.
Like stop adding all this.
You know shiny objects.
And so I am doing that.
I'm living by OneNote, I'mliving by Google.
I'm really trying to simplify.
I'm preparing for an assistant,I'm reading like management
books, and I was still findingmyself a little like fried, like
hitting capacity in.
I wanted to do more, but I feltlike at the end of the day I

(01:02:21):
just couldn't.
My brain would fog over.
And so I looked at myself and Iwas like, okay, what am I doing
?
Caffeine I I said you know,I've heard other people talk
about how you know caffeine'snot that great.
I could maybe heard a podcastor something something put in my
head.

Speaker 1 (01:02:36):
It's all over.

Speaker 2 (01:02:36):
Maybe I should cut down on caffeine, and so I went
to.
I have an espresso machine athome, so I was doing I have an
espresso shot when I wake up.
Then we'd go work out, and thenI'd come back and have two cups
of coffee as I'm getting ready,because I was like, oh, I love
coffee.

Speaker 1 (01:03:01):
I?
Because I was like, oh, I lovecoffee, I'm going to have two
cups of coffee and then I wouldhave like an afternoon treatsy
of like a grande mocha lattewhich has two shots of espresso
in it.
You're probably ADD ADHD alsosimply because amphetamines and
things like that don't affect usthe same way.

Speaker 2 (01:03:08):
Not the same way, but let me tell you.
I told myself I was going tocut that out.
I went down to I'll do theespresso shot in the morning and
then anything after that isdecaf.

Speaker 1 (01:03:17):
Okay, so you just like the taste of coffee.
I just like coffee, weirdo.

Speaker 2 (01:03:24):
Well, I mean, it's a military thing, like the only
pleasure that we had inAfghanistan was green beans
coffee.
And so that was the treatsyduring the day is we would leave
the flight line, drive ourMRAPs over to get coffee at
Green Beans and then come backwith a coffee order.
Very cool and so, like I lovecoffee, like that's, I'll just
go to Black Rifle Coffee and sitdown and work there all day.

(01:03:44):
And of course I'm a patron,I've got to buy coffee.

Speaker 1 (01:03:47):
I love it.

Speaker 2 (01:03:48):
And so, but I was like, ok, let me try this.
And I had, within probably liketwo months of me deciding to
stop with that and reduce mycaffeine, I had two of my close
friends, unprovoked, tell me,you know, you seem calmer.
I was like, oh, solidified,that's it.
I will keep doing this, this isworking.
And then the second thing thatI would credit cutting out

(01:04:11):
caffeine.
And the second thing with huge,huge improvements in my mental
clarity.
The second one a lot of peoplearen't going to like Pot, just
kidding.
I'm sorry, scrolling.

Speaker 1 (01:04:27):
Okay, not scrolling or scrolling.

Speaker 2 (01:04:31):
Getting rid of scrolling.
Okay, I like that I was goingto TikTok yeah, consuming as a
way to un scrolling.
Okay, I like that.
I was going to TikTok,consuming as a way to unwind
that.
So your brain uses so manycalories by processing
information.
So you are processing and whileI got so addicted to it cause
it's like TikTok.

Speaker 1 (01:04:50):
It's literally intended for that, yep, they
designed it that way and they'reconstantly improving it
Absolutely.

Speaker 2 (01:04:56):
Improving, right?
Yeah, no, they're so good at itand so.
But I was a consumer, any, Ifound myself.
I would be walking to therefrigerator to to fill my cup
of water and I'm standing therescrolling on TikTok.

Speaker 1 (01:05:09):
Did you ever find the bottom of the page?
No, no, it's elusive.

Speaker 2 (01:05:24):
It's still out there.
It's out there, somewhere's outthere somewhere.
No, it's um, but it was just.
It was.
I was like, oh my gosh, mybrain was just.
It was running 10 miles on atreadmill.
Every time I'm trying to scrolland process and like try to
distract myself, yeah, withscrolling social media and and
it was tiktok, it was strangers.
It's the Wild West, it'sstrangers, it's the internet.
It wasn't even like Facebook.
At least you're interactingwith people you know in real
life, absolutely.
Yeah, scrolling TikTok or evenjust Instagram reels is just the

(01:05:48):
ether.

Speaker 1 (01:05:49):
And it's endless and it's exactly what you want to
see, exactly.

Speaker 2 (01:05:54):
They're so good at it .
So I recognize this in myselfand I got to where okay, if I'm
sitting down and I'm, if I'm notlooking for something, and I
catch myself and I go why am Idoing this?
I would tell myself you'reliterally choosing between IRL,
real life and this screen.
Choose Like you're making adecision.

(01:06:14):
So I would start telling myselfthat I was just really hard on
myself of like you are makingthis decision right now.
And so any moment that I catchmyself, just like reaching for
my phone, simply to scroll,Right.
Not looking for something, notdoing something, but if I'm
going to scroll, no, I stoppeddoing that and it was almost,

(01:06:35):
almost overnight.

Speaker 1 (01:06:36):
And what that tells me and I'm no psychologist,
psychiatrist, nor a certifiedtherapist or any of that nature,
but it sounds like youdeveloped or discovered your
ethos, your EQ, to be able to gookay.
I know that this is an issue.
I know that this is somethingthat can be fixed.

(01:06:58):
I know that I'm going to fix it.

Speaker 2 (01:07:00):
Yes, and I could see stuff like that in me all my
life.
I've seen it.
I've just been really good atjust like kind of letting it
slide.

Speaker 1 (01:07:08):
Sure.

Speaker 2 (01:07:09):
And so it really came down to the self-discipline of
making that choice, tellingmyself I recognized that this
was a problem and if I continuedoing that, I'm making that
choice to continue that problem.
And when I put that on myselfand like told myself that that
there's nobody else that's goingto make that decision for me, I
am doing it and I see andunderstand the consequences.

Speaker 1 (01:07:31):
Now what.

Speaker 2 (01:07:31):
Now what that's?

Speaker 1 (01:07:32):
right, exactly, so you get a choice.

Speaker 2 (01:07:34):
Everything you do, it's self-discipline and it's a
choice.
And so once you see anythinglike that in your life, in your
relationships, in anything likethat, and you continue doing it,
now you're the problem.

Speaker 1 (01:07:46):
That's right.

Speaker 2 (01:07:46):
But you're also the solution.
You're the only person thatholds a solution to that.

Speaker 1 (01:07:50):
That's right, taste the soup.
There's no spoon, aha, aha.
So I got one last question foryou in regards to this, and then
I want to run down some veteranVA myths, so to speak, real
fast, and then we'll cap thisoff Based on your recent episode
of being burnt out anddiscovering yourself a little

(01:08:13):
bit more and coming up withsolutions, then implementing
those solutions and seeing theresults of them.
What type of advice would yougive to someone that is possibly
approaching a burnout,currently in a burnout, or they
got the burnout and they went.
I'm out of this, Stay out, justkidding.

Speaker 2 (01:08:35):
No, no, I think that do you like?
What do you want?
Just start paying attention.
Just really take a step back.
Whatever is in this, the frontthat is causing all of this
stress and grief and burnoutyeah, just take a step back,
give yourself grace and giveyourself time.
That I think something that isvery front and center with ADHD

(01:08:59):
type people is that we're veryimpatient, we're very impulsive,
very we want, if we're going tomake a decision to do something
, we want the immediategratification of that change
happening.

Speaker 1 (01:09:11):
Real quick.

Speaker 2 (01:09:11):
It's got to be right now.
It's doing it Real quickyourself time and if it's

(01:09:32):
important enough to change, it'simportant enough to go on that
little Google sheet, the little.
Google to-do list.
If it's important enough foryou to change, give yourself
time to do that and just payattention.
I think that's what a lot of usdo is we have this ADHD and
it's so much more gratifying topay attention to the shiny

(01:09:54):
object thing, the things thatgive us dopamine.
The the cool real that kind ofmillion views the this podcast
that you know something,whatever the dopamine thing.

Speaker 1 (01:10:05):
And the idea is that's, I think, one of the only
, if not very few things thatdoes not cost too much to pay
attention.

Speaker 2 (01:10:17):
I think it's something that a lot of people
just learn at their own pace.
Yeah, there will be people thatlisten to this too and go, yeah
, whatever.
And they won't learn foranother 10 years until they hit
their rock bottom.
And once they do, hopefullythey will pay attention to what
got them there, pay attention towhat's going to get them out,

(01:10:38):
be nice to themselves and knowthat it's a journey.
I mean, I told people inJanuary of 24, this 24 is my
year of self-management.
That is it.
Just give yourself a year.
I didn't do anything else thisyear.
I mean, I grew the militarydivision, I grew my business,
but that was not the focus.
The focus was get a hold ofmyself, Because if I can't, it's

(01:10:59):
pouring from an empty cup thing.
If I couldn't get a hold ofmyself, what am I doing?
I'm spinning my wheels.
This isn't scalable.
It's not sustainable.
I can't go on vacations withoutbeing super stressed out.
It's not sustainable.
So give yourself the year ortime or whatever is reasonable
for the thing that you're tryingto do.
Give yourself grace, giveyourself time, make a plan,

(01:11:22):
stick to the plan and stopgetting distracted.

Speaker 1 (01:11:24):
That's right.
I love that.
I have a previous assistantthat taught me a concept years,
years, years ago from his father, and it was when you see
someone that you care abouthasn't been a while.
What have you?
You're supposed to ask them howare you doing first, then how's
your work, and then how isfamily, and in that order.

(01:11:47):
And the reason for it is ifyou're not taking care of
yourself, you can't work, and ifyou're not working, you can't
take care of your family, andit's stuck.
And it's kind of goes alongsidewith what you're talking about
here if you're not working, youcan't take care of your family,
and it's stuck and it kind ofgoes alongside with what you're
talking about here.

Speaker 2 (01:11:59):
If you're not selfish enough to put yourself first,
you're always going to come lastand you're going to get the
bottom of the barrel.
Wow.

Speaker 1 (01:12:05):
I don't even want to talk about the VA stuff anymore.
Real quick, let me run throughthis stuff.
Just because I have it, chatgptgave it to me.
I don't want it to go to waste.

Speaker 2 (01:12:14):
Don't disrespect chat .
He knows us.

Speaker 1 (01:12:16):
No, he's probably listening right now.
Shut your ears.
So let's see here.
Most of this stuff thelisteners may know already, but
if you don't, veterans can usetheir VA loan more than once.
Veterans, let's see here,multiple times.
Et cetera, et cetera.
Va loans have high interestrates.
That is a myth in many cases,but what is happening in our

(01:12:39):
market today, guys, is for someodd reason, investors are not
wanting too many VA loans, sothey are increasing the rates
and reducing their appetite topurchase these loans.
From the investor aspect I'mtalking about I'm the mortgage
banker.
We originate the loans.
We then sell them to theinvestors, the Wells Fargo's
chases of the world.

(01:13:00):
Their appetite is shrinking andmy philosophy on that is
they're aware of something thatmost don't know Most veterans go
in with a funding fee if you'renot 10% disabled or more, and
therefore it adds to the balanceof that mortgage.
And if they're going to becaught with their pants down,
they don't want to be underwateras the investor holding on to

(01:13:22):
veteran-owned homes.
Because, let's face it,veterans banks.
We're not in the business ofowning property, we're in the
business of financing them,catching the interest.
Va appraisals assess propertyvalue.
We already know that Commonmistakes to avoid utilizing VA
home skipping, pre-approvalbefore hunting.

(01:13:43):
We know all that stuff.
Okay, there's one that I didn't.
So I get this question or thispushback every other week from a
listing agent that we're makingan offer on our buyer side and
we're asking them let's say it's$300,000 sales price.
We're asking them for $20,000in closing costs.

(01:14:05):
They're like, hey, the max youcan do is 4%.
And I'm like, well, no, it says4%, but you have to keep
reading where it says inaddition to the customary fees
related to the transaction, infact, you can actually, as a
veteran, utilize sellercontributions to pay off some of

(01:14:25):
your own debt.
I'm sure you knew that.
Most out there do not.
So hopefully, if you'rewatching this and you're one
that does not know this now, youknow Bottom line.
Yeah, there's a little bit of agrace when it comes to veterans
.
In regards to the loans, I dowant to kick it back to Renee,

(01:14:48):
because this has been an awesomediscussion.
Yes, thanks for having me.
I've never met you before.
These are my favorite when Iget to put the phone away for an
hour, hour and a half and justlearn about somebody new in our
industry and see the and hearabout the trials and
tribulations that they wentthrough, how you became who you
are today and where the heckyou're going, and I enjoyed the

(01:15:10):
conversation.
A lot of great information,pretty cool, because I'm sure
there's a ton of people in yourshoes, not identically, but can
take what you've talked abouttoday and relate to it 100%.
Is there anything else thatyou'd like to advice for
realtors, lenders, homebuyers?

(01:15:31):
Any of the above, free for all,all you.

Speaker 2 (01:15:33):
I think my favorite thing to do is to watch people
go from a life in the militaryto becoming a realtor.
Realtors have an 87% failurerate because it's hard, it's
really freaking hard, andveterans do so well in real
estate.
I have a ton of friends whowatched me get out, then got

(01:15:53):
their license and now they'rekilling it and it makes me so
happy because it's like you cango from a life in the military,
which is dictated every second.
Where you live, what you eat,where you sleep, everything is
dictated by uncle Sam, and thenyou can go into a career like
real estate where you're.
I, like 90% of my clients, aremilitary.
They're either vets or spousesor and I love working with those

(01:16:18):
types of people and I love mycareer.
So, I want to see if people areinterested in a career in real
estate.
One contact me, reach out to meInstagram, facebook, whatever,
I'm an open book.
I love to talk about realestate.

Speaker 1 (01:16:31):
I love to talk about getting in.

Speaker 2 (01:16:36):
It's sold by zunkercom, but that's more of
like a a, a client facing one.
But I mean, I'm public onFacebook, um, so you can go.
But on my Facebook or myInstagram there's a link tree to
my contact info, um.
But we have a skill bridgeprogram, uh, for military
members.
So if someone's within the lastyear of their service contract

(01:16:56):
and they're thinking aboutbecoming a realtor, reach out to
us.
We've got a skill bridgeprogram for those that don't
know it's.
You can serve a six monthinternship while you're still
getting paid and benefits of themilitary the last six months of
your contract.
You can come be a realtor withus and we have a training
program for it.
We can connect you whetheryou're here in San Antonio or
all over the country.
We have almost a thousandagents in the military division

(01:17:20):
all over the country and we havea whole program set up to bring
people from active duty toactively producing and like.

Speaker 1 (01:17:28):
Oh cool.
I mean, we talk about it quiteoften on many discussions here.
The most, if not all, of us topproducers at one point in time
when we got into the business,we did a lot of learning without
getting paid and the idea ofthis new generation of realtors.
Number one they didn't get theopportunity to build their
basics, um.

(01:17:49):
And two, they the idea ofworking for free is like what
are you talking about?
Like I'm going to go put thison a lock is like what are you
talking about?
Like I'm going to go put thison a lockbox?
How much are you paying me?
Whoa?
Yeah, you know what I mean.
Yeah, and that's pretty coolthat you guys have developed
that.
That's awesome.

Speaker 2 (01:18:03):
Yeah, because it's.
I mean the difference between,like, trying to figure it out on
your own versus having a mentorholding your hand and then
going, no, don't do that.
Do it this way, or here's howI'm doing it Like just having a
mentor that is invested in youdoing well.

Speaker 1 (01:18:18):
Yes.

Speaker 2 (01:18:18):
Makes a huge difference.

Speaker 1 (01:18:20):
And I'll use this reference, especially someone
that's been there.
I'll use this reference sinceit's military-ish conversation.
The mentor is there to help younot step on the same landmines
that they blew their leg offconcept.

Speaker 2 (01:18:34):
Yeah Right, it's the concept of reaching your hand
back down the ladder.
There's not a lot of culturesin real estate that are like
that, because the incentivesaren't there.

Speaker 1 (01:18:43):
Correct.

Speaker 2 (01:18:44):
I feel like in a.
You know it's been a long timesince I was in a different
office, but I've spent time atother brokerages.
I was at Remax, keller Williams, exp, I've been at other
brokerages and just the abilityto have a mentor like finding
the people that you want to bearound and people that do
business the same as you whetherthat's door knocking, open
houses, social media or you liketo cold call, or you're an

(01:19:07):
investor or you do commerciallike finding a group of people
that are willing to mentor youmakes a huge difference in how
many times you have to failbefore you're learning.
That's awesome.

Speaker 1 (01:19:18):
Okay, yeah, no, I think that's brilliant that you
guys established that and I hopeit continues to grow like that.
That's good stuff.
I love hearing about peopleactually doing stuff to improve
what others have opportunitiesto do in their lives, and not
just talking about it.
There's a lot of lives and notjust talking about it.
There's a lot of people thatare just talking about it.

(01:19:38):
That being said, this has beenan incredible conversation.
You mentioned that your husbandis somewhat nerdy IT.
So, I'm going to create you afree loan bot, customized for
you, and you guys can playaround with it, use it with your
customers, all that jazz, nocost for it.
Hopefully you like it.
Ladies, gentlemen out there, Ihope that you guys got something

(01:20:00):
from this conversation.
I definitely did.
I want to thank you forcontinuing to subscribe, viewing
, sharing and if you did getsomething out of this, or if you
know someone that could getsomething out of it maybe it's a
buyer, a realtor, down and outon their situation, Maybe
they've hit that burnout periodShare it with them.

(01:20:20):
You never know who could usethis information.
But I want to thank Renee againfor joining me for this.
Thank you for having me.
Yes, ma'am, this is great.
You crushed it and those of youout there really appreciate it.
We will catch you on the nextone.

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