In this episode of the Multifamily Real Estate Experiment podcast, host Shelon Hutchinson (Hutch the Marine Investor) interviews Toby Potter, a lender and investor who has helped over 7,000 investors unlock real estate wealth through funding deals and strategic insights.
Toby shares his journey from a dairy farm in Oklahoma to founding one of the fastest-growing private lending firms, Global Integrity Finance.
The discussion focuses on building a self-funded real estate portfolio, the importance of mentorship, and strategic guidance in real estate investment. Toby emphasizes his lending philosophy, ensuring clients' success by maintaining clear communication and transparency.
He also outlines the steps for accredited investors and small business owners to achieve higher yield investments through partnerships with Global Integrity Finance.
The episode aims to empower listeners with insights into real estate investment strategies, risk management, and the importance of disciplined daily practices for achieving financial independence.
00:00 Introduction and Guest Welcome
01:22 Toby Potter's Background and Real Estate Journey
05:31 The Concept of Self-Funded Real Estate Portfolios
07:10 Global Integrity Finance and Lending Philosophy
09:38 Success Stories and Client Relationships
15:49 Investment Strategies and Market Insights
21:02 Steps to Partner with Global Integrity Finance
22:57 Focus Round and Personal Insights
28:03 Conclusion and Final Thoughts
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Thank you to all of our listeners!!! We would love to hear from you!!!
Email me at:
hutch@hsquaredcapital.com
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Visit our website to find out more:
www.hsquaredcapital.com
Join our Facebook Group:
The Multifamily Real Estate Experiment
Follow us on Instagram:
@hutchthemarineinvestor
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
TOBY POTTER (00:00):
Wah gwan all you Multifamily Real Estate
enthusiast.
Welcome to another episode ofthe Multifamily Real Estate
Experiment podcast.
I'm your host, ShalonHutchinson, and if you're in
real estate for a little bit,you know me as Hutch the Marine
Investor.
And today guest.
Is a lender, an investor whohave helped over 7,000 investor
unlock real estate wealth, andnot just through funding deals,
(00:21):
but through strategic insightthat build real independence.
See, Toby Potter went fromgrowing up on a dairy farm in
Oklahoma to building one of thefastest growing private lending
firm in the country.
You know, global integrity,finance.
Today we're gonna dive into theconcept that that could change
(00:43):
the game for accreditedinvestors, business owners, and
of course for you if you're aveteran as well, listening to
this as well, we're gonna talkabout how to build a self-funded
real estate portfolio.
Toby, welcome to this episode ofthe Multi-Family Real Estate
Experiment podcast.
You bet, Hutch, and thank you somuch for the honor, the
(01:04):
opportunity to share thisplatform with you.
I have been following you for along time.
What you do, the message youpresent, the lives you impact,
again, is just an honor to besharing this platform with you,
and I hope that we can enhancewhat you're already doing.
Thank you so much, brother.
You know, before we get into themeat and potato of your brother,
(01:24):
um, do you have a favorite realestate quote or mantra that
drives you?
Wow.
Uh, you want me to pick one?
Really?
You want me to pick one?
Uh, you know, I think we can, wecan sprinkle them throughout.
Sprinkle out.
Yeah.
You know, hutch, it, it's notabout real estate mantra.
So my mantra because of whatI've done, where I've been, and
(01:45):
I started in 94.
Okay.
Went through the massive, uh,real estate crash of, of 2008,
then rebuilt in 2015.
Okay.
Went through COVID and all that.
But the mantra that I strive by,the mantra that I teach, the
mantra that I coach through allmy courses, all that I do is if
it's going to be.
(02:06):
It's up to me.
And when, when people acceptthat and they realize that
nobody's gonna do it for you,now we can coach you.
We can give you guidelines, wecan give you strategies we can
mentor, but the real meat on thebone.
The real rubber that meets theroad is if it's going to be, if
your success is going to be,it's up to me and meaning you to
(02:30):
execute, to believe, to thrivethrough.
And that's the mantra that Ilive by and I teach hundred
percent that.
That is awesome, man.
So, Toby, um, you have a longhistory and a great experience
in this industry.
Can you tell us a little bitmore, um, about yourself and
your current focus?
Yeah, absolutely.
As you started out, you know, Igrew up on a dairy farm up in
(02:50):
Oklahoma.
Yeah.
and what I, when I learned fromthat was that it's hard work.
Life is hard work, but I alsorealized that that's not a life
I wanted.
My dad chose that life.
I didn't, I wanted more outtalife.
Um, and I wanted to become more,and I moved to Dallas.
I.
And I got into real estatelending in the early nineties,
(03:10):
uh, where interest rates priorto that was in the 12, 13, 14%.
We just had Clinton come intothis, uh, presidency.
He had dropped interest ratesdown into the mid fives, low
fives, and so we got into it andwas really running and gunning.
And what was amazing was backthen, uh, is that everybody was
(03:31):
refinancing.
There was a tremendous move inthe market, but it was all
geared toward that a borrower,meaning the guy that had the,
the, the 680, 700.
750 FICO score, great jobhistory, great stability, and
everybody was gunning to get hisbusiness'cause it was a slam
dunk.
And there was this other segmentof society that was being missed
(03:53):
out and that was those peoplethat didn't qualify.
Gotcha.
And so when I got into thespace, I didn't want to compete
with all those.
A players and I found a segmentthat was being missed, and that
was the individuals who hadtarnished credit, maybe not
great job stability, not greatfinancials, but they still had
the right to have the Americandream home ownership.
(04:17):
So we created a platform then tobe able to teach people.
So we would go in and we wouldcon, we would find an individual
who got turned down.
We would then work with themover a 90 day period, cleaning
up their credit.
Adding credit, meaning their,their utility bill.
Their, uh, car insurance, theircell phone bills.
(04:39):
If they had'em back then, wedidn't have'em that many back in
94, but whatever you paid on amonthly, we added to your credit
report, which wasn't a naturalbecause those companies didn't
report to credit bureaus.
Gotcha.
But we were able to show a payhistory, take it to our credit
depart, uh, credit repository,add that lines of credit with
good pay history, and establishcredit for these people and then
(05:01):
get them financed.
And so we were buying houses.
Fixing them up, moving them inowner finance, working on their
credit, working on theirfinancials, and then refinancing
them out.
And it became such a hugeplatform.
It was unreal.
Wow.
But it showed us that we wereable to help people that most
people were discarding'causethey didn't qualify.
(05:21):
Oh man, that's, that's gamechanging for a lot of people who
game changing.
Yeah.
Who want to, um, accomplish whata lot of us think is think of as
the, a part of the Americandream.
So let's go, let's go into theconcept of this, um,
self-funding.
What exactly is self-funding,real estates, um, self-funded
real estate portfolio, and howis it different from, you know,
from most people who arebuilding, when you say, say a
(05:44):
real estate portfolio.
So when we are looking atself-funding right.
You know, we are a direct hardmoney lender Gotcha.
And a real estate partner.
So I am a, a lender that has anSEC uh, registered fund.
Okay.
And we lend money to individualsnationwide that are looking to
build their real estateportfolio.
(06:06):
Okay.
And back in 2015 You know, HGTVwas coming out with fix and
flip, uh, fix and flop.
You had Chip and Joanna Gainesout of Waco, Texas that was
running their platform.
So it was, everybody waswatching this TV show on how to
buy these dilapidated rundownhouses, fix them up and sell'em
(06:28):
for huge profits.
Yeah.
And so I saved many, many, manytimes back then.
HGTV made me so wealthy.
It was unbelievable.
And I never spent one day on tv,but because hundreds of
thousands of people werewatching these shows, and it
looked so easy that they wouldfind this rundown, dilapidated
house.
They would go in there and ripout walls and cabinets and
(06:49):
countertops, throw it all backtogether and sell it for, you
know, a hundred thousand profit.
And they saw this in 30 days.
Well, that was the big movement.
In in 15, 16, 70 18, right?
And so Global Integrity Financewas conceived and we wanted to
be that go-to lender to helpevery real estate investor get
into real estate investing.
(07:10):
Because even today, Hutch, eventoday, I firmly believe that
real estate is the only.
Solidified investment forlong-term generational wealth.
Andrew Carnegie, um, Bill Gates,Mark Zuckerberg, um, you know,
there's, there's not abillionaire in the world today
(07:30):
that won't tell you 80% of theirportfolio.
Is is not in real estate.
They it, it all is.
And so if those billionaires areinvesting billions of dollars
into real estate versustechnology, ai, oil and gas,
stock market mutuals, then youknow what?
Real estate must be thecommodity that everybody
(07:50):
believes will, will sustain.
So knowing that.
We wanted to be that go-tolender.
We launched our company to be ago-to company to be able to
enhance, teach coach, mentor,and bring people into real
estate investing to, and then,and, and not just be a lender,
but we, we.
Partner with them.
(08:11):
We mentor them, we coach thembecause we need to ensure
success and profitability.
If Hutch, if you came to me as abrand new client, yeah.
And you brought me a propertyand I lent you money on that,
and then you didn't know whatyou were doing and you failed,
guess what?
I might have made the commissionon the loan, but I now lost you
as a client because you weren'tdoing the next deal.
(08:32):
So our concept was if, if Hutchcomes to global and he wants to
do a deal, we're going to makesure that this thing is set up
for success.
That his scope of work iscontractor.
All this partners are in line.
To ensure success andprofitability.
And that's what we've done forthe last decade.
And this is how we became thefastest growing company in the
(08:54):
US Top 100 through Inc.
Magazine.
We were voted, uh, privateLender of the year in 2020.
So all this has happened becauseof our investment into the
individual, not to the property,but to the individual to make
sure that they succeed, theygrow and do multiple, multiple,
multiple deals for the next 20,30 years.
Man, that, that is awesome, man.
(09:16):
So.
So that comes with, uh, somekeen insights from you and your
team.
Right?
So let, let's talk about thisbriefly.
What is your lending philosophywhen it comes to risk versus
opportunity?
You know, and what, what, whatlending strategy helps
investors, you know, that, thatyou're bringing in?
Um, avoid over leveraging whilestill growing aggressively.
(09:38):
That's, I mean, that's, so youjust hit the nail right on the
head.
The difference is, is we don'tlook at writing a loan.
We look at establishing,creating, and building a
relationship.
Right?
So you bring me a deal and if,and, and here's the deal.
We have over 7,000 clients inour database that we've helped
over the last 10 years.
Okay?
And we probably have another9,000 that we've told no to.
(10:02):
And this is where we probablygot the biggest reputation,
where global won't do the deal,right?
'cause the deal doesn't work.
And I would so much rather tellyou, Hutch, we can't do this
deal and here's why.
It's over-leveraged.
You're buying it too much.
Your scope of work is too high.
You're overbuilding for theneighborhood.
And when you get all said anddone, we'll never be able to
move the property.
(10:23):
So therefore you won't perform.
And so many people get so upsetbecause I, my realtor told me
this deal would work.
My realtor told me this, mywhole, and, and so I, I've got
so many recordings such where aclient would say, my realtor
told me I can sell this deal for650,000.
And I'm saying, you know what?
I'm looking at five and aquarter max.
(10:44):
535.
Big difference.
My realtor, who's been doingthis for 20 years said she could
guarantee that she could sellthis for 650.
And I say, you know what?
Let's do this then.
Let's get the realtor on thephone.
We'll have her put up hercommission.
So she's making a 3% commission,right?
So let's tell her when we closeand fund on this deal, she gives
(11:04):
me her 3% commission.
We hold it into escrow.
When you finish the rehab andyou put the house on the market
when she sells it for 650 ormore, not only would she get
that original commission.
I'll double it.
Plus she gets her listing.
Let's see if she'll do that.
We get'em on the phone.
Oh no, I won't do that.
Why not?
(11:24):
You are telling the customeryou're absolutely dogmatic that
this still's gonna sell for 650.
I'm telling you.
535 max, you are not willing toinvest in the client like I am.
Right then we're done.
And, and so many times I've donethat hutch and, and the borrower
came back to me and said, youknow what, after I've talked to
several other people, you wereright.
(11:45):
And I said, I know I'm right.
We are a lender.
We only make money when we lendthe money out.
It sets in a vault in my bank,non-interest bearing because of
our SEC regulations, right?
So it sits in the bank, and if Idon't deploy it, I don't make
any money.
So why would I tell you no on adeal?
That would make us money or Iwould tell you no, because we'll
(12:07):
both lose and I'm putting moremoney in it than anybody else.
I've lent you the$300,000 to buythe property and another a
hundred thousand dollars torehab it.
Your realtor says it's worth650.
I'm telling you it's worth 535.
I've got$400,000 invested in.
She's got nothing.
There's the difference.
No, that is huge, man.
(12:28):
And we see this stuff in themultifamily space as well too.
Right?
And one of the biggest way we,we not so much get around buts,
we get on the front side of thatjust to ensure that we are
working with reputable, um,especially property managers in
the area who have managed, um,properties comparable to the
ones we are, we are looking topurchase.
And the reason why we want to dothat is because we want to get
(12:49):
their subject matter expert,their boots on the ground.
And they're, they're imaginemanaging a lot of the
renovations, right?
They're dealing with the utilitycompanies, whether it be cable,
electric, power, whatever,right?
They, they understand what isaverage for racial utility build
back system, all that goodstuff, right?
So.
They have the numbers to showhere's why this work and here
(13:09):
this why this does not work.
You know?
So I know, to your point, it'sreally important to talk to
people who's actually looking atthe deal through a conservative
lens.
You know?
So can, can you share briefly,Toby?
Can you share briefly a story ofsomeone, who's lending strategy,
as create a situation for themto have a self-funding
portfolio?
Still trying to capture thatself-funding portfolio.
(13:31):
Um, case study, I.
Yeah, so, so self-funding iswhere, you know, and we've had
multiple clients where theystarted out and we teach this
crawl, walk, run philosophy.
Awesome.
Meaning you, you don't know whatyou don't know on day one.
Right?
You may have read a book, youmay have been through a three
day, uh, a summit course.
Mm-hmm.
You may have done all this, andthat's wonderful and we
(13:53):
appreciate it and we respect it.
But until you rip out a wall.
In a house, you have no cluewhat you're missing.
Oh, yeah.
So, so to get to self-funded,you've got to crawl, meaning you
need to do a small rehab, buy150,000 house, put$30,000 into
it, put it back on the market at275, sell it, then go buy two
(14:15):
more.
And so you build that portfolioto where you've done at least 8,
10, 12 deals.
To where now you know exactlywhat you're doing, and the good
news is, is now you've gotenough profitability and you've
made enough money over the last12, 18, 24 months, right, that
you can now self-fund your ownstructures, your own deals, and
(14:35):
create an and establish this towhere now you control the
narrative 100%.
Yeah.
I, I think that's, that's agreat, that's, that is the idea,
right?
To be able to get the assistantfrom, say, a hard money lender
Right.
To, to get in the door.
Right.
And once again, right, because,yeah, whenever, and, and in, in,
in real estate, the biggest costyou have is the loan.
(14:58):
Um, yeah.
The biggest cost you have is aloan.
And, and, and not everybody.
Can understand that.
And so when you, when you doright, crawl, walk, run, you
build an asset, you build a networth, you build financial
stability that allows you tostart doing these deals and
control the narrative.
We have, we have guys, clientsthat have, you know, 70, 80, a
(15:22):
hundred properties.
We've done, you know, 200 loansfor them and they're holding
half of those and they're allfree and clear.
Those are self-fundedindividuals because they now
have this cash flow of 40, 60,$80,000 a month coming in, and
they can take that and go buyanother property and, and, and
then, and never worry about it.
(15:42):
And now they're cutting out that12, 13, 14% interest that they
were paying to me.
Yeah, absolutely, man.
So, you know, what we do in, inthe multifamily space, uh, is
something unique for, for ourpassive investors, right?
Um, that, that comes with cashflow with proceeds from rent and
some, some appreciation on thebackside.
(16:03):
Some proceeds from sale as rightas well.
Um, but, but the business thatyou, you're involved in is more
so rely on the cash flow andhigh higher yield, you know, so
for, for those who creditinvest.
There's or small business ownersthat might be listening to this
podcast, you know, who areworking a full-time job and you
know, they see the right on thewall that their job is not
(16:24):
guaranteed or they want toimprove their lifestyle.
They want to use their todaymoney right to, to, to increase
the, to make higher interest,higher yield.
You know, what would be thefirst move for them to say, gain
some higher yield by workingwith, um, global.
So, yeah.
You know, and that's one of thethings that is so powerful and
so impactful.
(16:44):
There's a ton of people outthere Hutch, right?
I mean, hundreds of thousandsthat wanna be in real estate but
don't want to be in real estate.
They want to, right?
They want to have the realestate as the asset.
They don't know how to achievethat.
They don't wanna be swinging ahammer and, and ripping out
walls.
But they've got an IRA, they'vegot a 401k.
They've got that JOB, thatthey're, they know that they've
(17:06):
been on for 20, 25 years andthey ain't ready to retire.
And if they continue down thispath, they still won't be ready
to retire another 20 years.
Right.
So what do they do?
They need to get into investinginto real estate without being
in real estate?
Yeah.
And so Integrity Finance has aprivate equity fund to where
people can put money in.
(17:27):
We pay a monthly dividend andthey can build that portfolio.
We've got clients that have beenwith us for almost eight years
who, who started out with abouta half a million dollar
investment.
Right.
And now have well over$2 millionin growth in their fund because
they just compounded that yearover year, over year.
Mm-hmm.
Um, and so it is one of the mostsolidified ways to invest.
(17:51):
And, and as you know, and Iknow.
I pulled here recently and I'llbe, I'll tell you straight up
Hutch, not less than 90 daysago, I pulled all my money out
of the market.
I have zero money in Wall Streettoday because of the volatility
of the stock market.
Yeah, makes sense.
I was making 8, 10, 12% returnon the market.
(18:15):
Not bad.
But you know what?
I make 24, 28, 30% return on myreal estate, not as a lender in
my own investments.
I own over 300 doors today.
And so on.
Those investments I make overdouble digits every month, every
year on that because of thecompounding factor of cash,
(18:37):
flow, of, of, uh, appreciation.
You buy a property today inHawaii.
You buy a 700,000 property todayin Hawaii, and in five years
that property's worth what, 2million.
Million 5?, and there's no wayyou're gonna ever compound, uh,
capital that way in the market.
(18:57):
So being a investor in realestate doesn't mean you have to
be in real estate fix and flipacquisition.
You can partner with companieslike ours, you can be a, uh, an
LP investor, silent partner.
And then have your money nowworking for you instead of you
(19:18):
working for your money.
And it is, it is one of thethings that's enabled us to be
who we are because of the, the,the, um.
The profitability of ourindustry.
You know, even through COVID,one of the things that was so
astronomical, Hutch, we weredoing amazing from 2015, 16, 17,
18, 19.
(19:38):
And in that, in fact, 2019 iswhen we Ink Magazine, top 100
company, fastest growingcompany, private lender of the
year.
COVID hits.
And our industry was shut down.
Yep.
Absolutely.
Shut down.
Wall Street.
Pulled out, uh, insurance fundspulled out, hedge funds pulled
out, family offices pulled out.
(20:00):
But one of the things that wasso profound, and, and, and we
can testify to this under oath,is that because of the growth we
had and because of all the loanswe had that were still
performing.
We never missed a dividendpayment to our investors because
we had so much profit, so muchcapital rolling that they never
even knew there was adisruption.
(20:21):
Eight months later, we're backup and running and we just took
off that much.
The you people who put money inthe market lost millions.
The market tanked.
The market crashed.
They saw their 5 millionportfolio go to 2 and a half
million to 2 million, andthey're like, holy cow, I just
lost all my retirement.
Now it's taken almost five yearsto build it back.
(20:42):
They're back.
Yep.
We never lost.
We never lost.
Our properties appreciated.
More and more and more.
Our income increase.
Increase, increase ourdividends, increase every,
nothing ever.
We as a real estate investor, wenever knew COVID hit other than
being a lender.
Did we know it?
That's awesome, man.
Um, Toby, um, have about out ofthree, four minutes each time.
Can you take about a minute andwalk through maybe the five step
(21:07):
that a investor want to partnerwith global, um, can expect to
get their money to invest allthe way from, um, the, um,
research, deploying the money tothe money return.
Yep.
Yeah, so absolutely.
So you can go check us outInstagram,
tobypotterofficial.com or TobyPotter official.
Uh, go toglobalintegrityfinance.com.
(21:28):
Go anywhere LinkedIn.
But reach out to me.
Tell me what you're doing.
Tell me where you want to go.
Tell me what you want to do, andhere's what we do.
We'll do a 30 minuteconsultation, share everything
with you, hook you up with anyof our investors for references.
Let them share how long they'vebeen with us and how they've
never missed a beat intransformation of profitability.
(21:51):
Half of my investors, we boughtover 300 doors last year, and I
brought in our key investorsjust to profit share with them.
We didn't need'em, but webrought'em in.
Because of their loyalty, theynow put like 200,$300,000 in and
are worth a million dollars onthat investment on those
properties.
These are the kind of things wedo, so reach out to me.
You can DM me.
(22:11):
You can come to us, we'll walkyou through all the
opportunities, all thestrategies.
We have to run you through our,uh, SEC registered
accreditation.
And if you're qualified, wewould be more than happy to show
you how we can transform yourretirement plan into a true
retirement opportunity.
Um, and so the steps are, getahold of me, let's do a
(22:34):
consultation, we'll run youthrough accreditation and then
we'll put a plan together.
'cause you tell me, Hey, I got300,000, I got 500,000.
I need to turn that into 2million in three years, five
years.
Then we build a plan accordingto that, whether it be profit
sharing in, in projects, whetherit be just being a passive
investor on our lending side, ora combination of that is
(22:55):
awesome, man.
Thank you.
Thank you so much for sharingthat.
Um, Toby, I might, I might takean extra one minute, one minute
every time to run through thefocus round, right?
Uh, just have a fun opportunity,communication, understanding and
success.
Just quick, um, power through,what do you do for fun?
Yeah.
So what do I do for fun is I, Iimpact lives.
We, I, I get on stage everywhereI can to tell the story.
(23:19):
I don't have, this is fun forme.
Making a difference in people'slives is so much fun.
You know, people go hiking,people go skiing, people go
fishing.
People go, what?
I get on stages to change livesbecause we have so much fun that
I've got over 7,000 people thatare in our inner circle that do
deals with this.
Every day because we ensuretheir profit and success and we
(23:43):
grow their portfolios.
That's what's fun for me, buddy.
That's, there's nothing else.
I come to Hawaii and we'll gosit on the beach.
You can teach me how to surf,but we're gonna be on, if I come
to Hawaii, we're gonna get on astage, we're gonna bring in 200
people, we're gonna share ourstory with them and so that we
can impact their lives.
That's awesome, man.
What is one opportunity that wasa game changer for you?
(24:04):
So one opportunity that was agame changer for me was, um,
being on stage.
And this is, you know, I've beena lender for 30 years.
I've been in that, but I neverreally, uh, got on stage to
impact more lives.
Every, everything that I've everdone was just through marketing
and all that.
And then one person said, Hey.
Can you come speak at my summit,I had a speaker gonna be there.
(24:25):
They canceled due to a sickness.
Can you get?
And when I did that Hutch, whenI got on stage and just shared
who we are and what we do andhow we do it, that was a
transformation about five yearsago.
That impacted my life personallybecause I didn't realize I
wasn't getting the message outthere to the masses.
And when I realized how easy itwas to share who we are, what we
(24:47):
do, and the impact that itmakes, that was a game changer
for me.
Man.
That's awesome, man.
What is your number onecommunication tip?
Be transparent, man.
You don't know.
Be transparent, be authentic,and be transparent.
Everybody wants to helpeverybody.
They can.
You do.
I do.
(25:08):
Everybody wants to impact lives,make a difference.
But if the person we're talkingto does it.
Is it authentic and isn'ttransformational, meaning
telling me what's really goingon, what you really want to
achieve?
We can't get there.
If you tell me, Hey, Hutch, um,uh, Hutch says, Hey Toby, I need
you to get to Hawaii, butdoesn't tell me why, how, where
(25:30):
I show up in Hawaii.
There's seven islands in Hawaii.
I could be on the wrong island.
So you've got to becommunicative into exactly where
you need me to be and, and yousay, Hey, just show up in
Hawaii.
I show up tomorrow.
Oh no, no, I'm at six monthsfrom now and I need you on
Hawaii, not Hawaii.
So you know, there has to be avery clear.
(25:51):
Message given for us to be ableto put a very precise plan in
place and communicationtransformity and transparency is
the key to all that.
Okay, What is one thing you wishI understood earlier?
I wish I would've understood,um, how.
To better communicate earlier inlife, because I spent 30 years
(26:14):
to get where I'm at today, andif I would've known 20 years
ago, 15 years ago on the impactit makes, I could have
transformed sooner.
So one thing that I wish Iwould've done sooner.
Was, uh, align myself withpeople like you, people that
really understand how to getmessages out to be able to do
more messaging and morecommunicating.
(26:35):
This is the one thing that Ifeel like as a over 50-year-old
man, I'm not gonna tell you oldI am, but you can see I got gray
hair As an over 50-year-old man,it is taking me a long time to
realize or recognize how to getthe message out there and to
impact more lives.
I wish I'd have known thatsooner.
Okay.
Last question.
To what do you attribute yoursuccess?
Um, spiritually or, or mentally,spiritually and physically.
(26:57):
So, I teach a course that youmust be spiritually, mentally,
physically sounded with dailydisciplines in order to achieve
success.
Believing in who you are,believing in God Almighty, that
he created us.
He built us for a purpose, aplan to succeed, not to fail.
Believing in that and believingthat you are entitled to
(27:21):
success.
Not entitled to anything else.
I don't believe in entitlement,but I believe that every one of
us are entitled to have a veryrich, fulfilled life.
Yes.
When you believe that and youset your destiny to achieve
that, you will accomplish it.
And I believe that.
(27:41):
And that's what's attributed meto go through the crash.
COVID, all the disruptions, somany.
You know, ignited life stories,but because I am mentally,
spiritually, and physicallystrong, daily disciplines has
helped me rise to the success Ihave today.
And this is what we teach.
This is what we promote.
(28:02):
That is awesome.
That's awesome.
Toby, if our listeners want toget in touch with you, how do we
go about, what's the best way todo that?
So the best way is go on toInstagram, Toby, uh, Toby Potter
official, or you can go to ourwebsite now.
You can also go to theunshakeableinvestor.com,
theunshakeableinvestor.com.
That is where you get all ourproducts, all our programs, all
(28:24):
our messaging, and we will thenhelp you become.
The unshakeable person, whetherit's in real estate investing,
whether it's flipping analysis,it doesn't matter.
This is our platform.
This is who we are, is what webuild.
So Toby Potter, officialInstagram, the unshakeable
investor.com, or simplyglobalintegrityfinance.com.
(28:45):
Those are the way to get aholdof me.
Perfect man.
Toby, I want to thank you.
Thank you for breaking down, youknow, real estate investment and
also we understand that realestate investment can take a lot
of people's time.
What you do, give them backtheir time, give them a.
Put him on a path towardsfinancial freedom, time freedom,
location freedom, and alsocontribute to the freedom of
purpose as well.
So listeners, um, thank you forspending the time listening to
(29:06):
another episode of theMulti-Family Real Estate
Experiment podcast.
Until next time, I'm HutchMarine Investor out.
Wah gwan all you Multifamily Real Estate
enthusiast.
Welcome to another episode ofthe Multifamily Real Estate
Experiment podcast.
I'm your host, ShalonHutchinson, and if you're in
real estate for a little bit,you know me as Hutch the Marine
Investor.
And today guest.
Is a lender, an investor whohave helped over 7,000 investor
unlock real estate wealth, andnot just through funding deals,
(00:21):
but through strategic insightthat build real independence.
See, Toby Potter went fromgrowing up on a dairy farm in
Oklahoma to building one of thefastest growing private lending
firm in the country.
You know, global integrity,finance.
Today we're gonna dive into theconcept that that could change
(00:43):
the game for accreditedinvestors, business owners, and
of course for you if you're aveteran as well, listening to
this as well, we're gonna talkabout how to build a self-funded
real estate portfolio.
Toby, welcome to this episode ofthe Multi-Family Real Estate
Experiment podcast.
You bet, Hutch, and thank you somuch for the honor, the
(01:04):
opportunity to share thisplatform with you.
I have been following you for along time.
What you do, the message youpresent, the lives you impact,
again, is just an honor to besharing this platform with you,
and I hope that we can enhancewhat you're already doing.
Thank you so much, brother.
You know, before we get into themeat and potato of your brother,
(01:24):
um, do you have a favorite realestate quote or mantra that
drives you?
Wow.
Uh, you want me to pick one?
Really?
You want me to pick one?
Uh, you know, I think we can, wecan sprinkle them throughout.
Sprinkle out.
Yeah.
You know, hutch, it, it's notabout real estate mantra.
So my mantra because of whatI've done, where I've been, and
(01:45):
I started in 94.
Okay.
Went through the massive, uh,real estate crash of, of 2008,
then rebuilt in 2015.
Okay.
Went through COVID and all that.
But the mantra that I strive by,the mantra that I teach, the
mantra that I coach through allmy courses, all that I do is if
it's going to be.
(02:06):
It's up to me.
And when, when people acceptthat and they realize that
nobody's gonna do it for you,now we can coach you.
We can give you guidelines, wecan give you strategies we can
mentor, but the real meat on thebone.
The real rubber that meets theroad is if it's going to be, if
your success is going to be,it's up to me and meaning you to
(02:30):
execute, to believe, to thrivethrough.
And that's the mantra that Ilive by and I teach hundred
percent that.
That is awesome, man.
So, Toby, um, you have a longhistory and a great experience
in this industry.
Can you tell us a little bitmore, um, about yourself and
your current focus?
Yeah, absolutely.
As you started out, you know, Igrew up on a dairy farm up in
(02:50):
Oklahoma.
Yeah.
and what I, when I learned fromthat was that it's hard work.
Life is hard work, but I alsorealized that that's not a life
I wanted.
My dad chose that life.
I didn't, I wanted more outtalife.
Um, and I wanted to become more,and I moved to Dallas.
I.
And I got into real estatelending in the early nineties,
(03:10):
uh, where interest rates priorto that was in the 12, 13, 14%.
We just had Clinton come intothis, uh, presidency.
He had dropped interest ratesdown into the mid fives, low
fives, and so we got into it andwas really running and gunning.
And what was amazing was backthen, uh, is that everybody was
(03:31):
refinancing.
There was a tremendous move inthe market, but it was all
geared toward that a borrower,meaning the guy that had the,
the, the 680, 700.
750 FICO score, great jobhistory, great stability, and
everybody was gunning to get hisbusiness'cause it was a slam
dunk.
And there was this other segmentof society that was being missed
(03:53):
out and that was those peoplethat didn't qualify.
Gotcha.
And so when I got into thespace, I didn't want to compete
with all those.
A players and I found a segmentthat was being missed, and that
was the individuals who hadtarnished credit, maybe not
great job stability, not greatfinancials, but they still had
the right to have the Americandream home ownership.
(04:17):
So we created a platform then tobe able to teach people.
So we would go in and we wouldcon, we would find an individual
who got turned down.
We would then work with themover a 90 day period, cleaning
up their credit.
Adding credit, meaning their,their utility bill.
Their, uh, car insurance, theircell phone bills.
(04:39):
If they had'em back then, wedidn't have'em that many back in
94, but whatever you paid on amonthly, we added to your credit
report, which wasn't a naturalbecause those companies didn't
report to credit bureaus.
Gotcha.
But we were able to show a payhistory, take it to our credit
depart, uh, credit repository,add that lines of credit with
good pay history, and establishcredit for these people and then
(05:01):
get them financed.
And so we were buying houses.
Fixing them up, moving them inowner finance, working on their
credit, working on theirfinancials, and then refinancing
them out.
And it became such a hugeplatform.
It was unreal.
Wow.
But it showed us that we wereable to help people that most
people were discarding'causethey didn't qualify.
(05:21):
Oh man, that's, that's gamechanging for a lot of people who
game changing.
Yeah.
Who want to, um, accomplish whata lot of us think is think of as
the, a part of the Americandream.
So let's go, let's go into theconcept of this, um,
self-funding.
What exactly is self-funding,real estates, um, self-funded
real estate portfolio, and howis it different from, you know,
from most people who arebuilding, when you say, say a
(05:44):
real estate portfolio.
So when we are looking atself-funding right.
You know, we are a direct hardmoney lender Gotcha.
And a real estate partner.
So I am a, a lender that has anSEC uh, registered fund.
Okay.
And we lend money to individualsnationwide that are looking to
build their real estateportfolio.
(06:06):
Okay.
And back in 2015 You know, HGTVwas coming out with fix and
flip, uh, fix and flop.
You had Chip and Joanna Gainesout of Waco, Texas that was
running their platform.
So it was, everybody waswatching this TV show on how to
buy these dilapidated rundownhouses, fix them up and sell'em
(06:28):
for huge profits.
Yeah.
And so I saved many, many, manytimes back then.
HGTV made me so wealthy.
It was unbelievable.
And I never spent one day on tv,but because hundreds of
thousands of people werewatching these shows, and it
looked so easy that they wouldfind this rundown, dilapidated
house.
They would go in there and ripout walls and cabinets and
(06:49):
countertops, throw it all backtogether and sell it for, you
know, a hundred thousand profit.
And they saw this in 30 days.
Well, that was the big movement.
In in 15, 16, 70 18, right?
And so Global Integrity Financewas conceived and we wanted to
be that go-to lender to helpevery real estate investor get
into real estate investing.
(07:10):
Because even today, Hutch, eventoday, I firmly believe that
real estate is the only.
Solidified investment forlong-term generational wealth.
Andrew Carnegie, um, Bill Gates,Mark Zuckerberg, um, you know,
there's, there's not abillionaire in the world today
(07:30):
that won't tell you 80% of theirportfolio.
Is is not in real estate.
They it, it all is.
And so if those billionaires areinvesting billions of dollars
into real estate versustechnology, ai, oil and gas,
stock market mutuals, then youknow what?
Real estate must be thecommodity that everybody
(07:50):
believes will, will sustain.
So knowing that.
We wanted to be that go-tolender.
We launched our company to be ago-to company to be able to
enhance, teach coach, mentor,and bring people into real
estate investing to, and then,and, and not just be a lender,
but we, we.
Partner with them.
(08:11):
We mentor them, we coach thembecause we need to ensure
success and profitability.
If Hutch, if you came to me as abrand new client, yeah.
And you brought me a propertyand I lent you money on that,
and then you didn't know whatyou were doing and you failed,
guess what?
I might have made the commissionon the loan, but I now lost you
as a client because you weren'tdoing the next deal.
(08:32):
So our concept was if, if Hutchcomes to global and he wants to
do a deal, we're going to makesure that this thing is set up
for success.
That his scope of work iscontractor.
All this partners are in line.
To ensure success andprofitability.
And that's what we've done forthe last decade.
And this is how we became thefastest growing company in the
(08:54):
US Top 100 through Inc.
Magazine.
We were voted, uh, privateLender of the year in 2020.
So all this has happened becauseof our investment into the
individual, not to the property,but to the individual to make
sure that they succeed, theygrow and do multiple, multiple,
multiple deals for the next 20,30 years.
Man, that, that is awesome, man.
(09:16):
So.
So that comes with, uh, somekeen insights from you and your
team.
Right?
So let, let's talk about thisbriefly.
What is your lending philosophywhen it comes to risk versus
opportunity?
You know, and what, what, whatlending strategy helps
investors, you know, that, thatyou're bringing in?
Um, avoid over leveraging whilestill growing aggressively.
(09:38):
That's, I mean, that's, so youjust hit the nail right on the
head.
The difference is, is we don'tlook at writing a loan.
We look at establishing,creating, and building a
relationship.
Right?
So you bring me a deal and if,and, and here's the deal.
We have over 7,000 clients inour database that we've helped
over the last 10 years.
Okay?
And we probably have another9,000 that we've told no to.
(10:02):
And this is where we probablygot the biggest reputation,
where global won't do the deal,right?
'cause the deal doesn't work.
And I would so much rather tellyou, Hutch, we can't do this
deal and here's why.
It's over-leveraged.
You're buying it too much.
Your scope of work is too high.
You're overbuilding for theneighborhood.
And when you get all said anddone, we'll never be able to
move the property.
(10:23):
So therefore you won't perform.
And so many people get so upsetbecause I, my realtor told me
this deal would work.
My realtor told me this, mywhole, and, and so I, I've got
so many recordings such where aclient would say, my realtor
told me I can sell this deal for650,000.
And I'm saying, you know what?
I'm looking at five and aquarter max.
(10:44):
535.
Big difference.
My realtor, who's been doingthis for 20 years said she could
guarantee that she could sellthis for 650.
And I say, you know what?
Let's do this then.
Let's get the realtor on thephone.
We'll have her put up hercommission.
So she's making a 3% commission,right?
So let's tell her when we closeand fund on this deal, she gives
(11:04):
me her 3% commission.
We hold it into escrow.
When you finish the rehab andyou put the house on the market
when she sells it for 650 ormore, not only would she get
that original commission.
I'll double it.
Plus she gets her listing.
Let's see if she'll do that.
We get'em on the phone.
Oh no, I won't do that.
Why not?
(11:24):
You are telling the customeryou're absolutely dogmatic that
this still's gonna sell for 650.
I'm telling you.
535 max, you are not willing toinvest in the client like I am.
Right then we're done.
And, and so many times I've donethat hutch and, and the borrower
came back to me and said, youknow what, after I've talked to
several other people, you wereright.
(11:45):
And I said, I know I'm right.
We are a lender.
We only make money when we lendthe money out.
It sets in a vault in my bank,non-interest bearing because of
our SEC regulations, right?
So it sits in the bank, and if Idon't deploy it, I don't make
any money.
So why would I tell you no on adeal?
That would make us money or Iwould tell you no, because we'll
(12:07):
both lose and I'm putting moremoney in it than anybody else.
I've lent you the$300,000 to buythe property and another a
hundred thousand dollars torehab it.
Your realtor says it's worth650.
I'm telling you it's worth 535.
I've got$400,000 invested in.
She's got nothing.
There's the difference.
No, that is huge, man.
(12:28):
And we see this stuff in themultifamily space as well too.
Right?
And one of the biggest way we,we not so much get around buts,
we get on the front side of thatjust to ensure that we are
working with reputable, um,especially property managers in
the area who have managed, um,properties comparable to the
ones we are, we are looking topurchase.
And the reason why we want to dothat is because we want to get
(12:49):
their subject matter expert,their boots on the ground.
And they're, they're imaginemanaging a lot of the
renovations, right?
They're dealing with the utilitycompanies, whether it be cable,
electric, power, whatever,right?
They, they understand what isaverage for racial utility build
back system, all that goodstuff, right?
So.
They have the numbers to showhere's why this work and here
(13:09):
this why this does not work.
You know?
So I know, to your point, it'sreally important to talk to
people who's actually looking atthe deal through a conservative
lens.
You know?
So can, can you share briefly,Toby?
Can you share briefly a story ofsomeone, who's lending strategy,
as create a situation for themto have a self-funding
portfolio?
Still trying to capture thatself-funding portfolio.
(13:31):
Um, case study, I.
Yeah, so, so self-funding iswhere, you know, and we've had
multiple clients where theystarted out and we teach this
crawl, walk, run philosophy.
Awesome.
Meaning you, you don't know whatyou don't know on day one.
Right?
You may have read a book, youmay have been through a three
day, uh, a summit course.
Mm-hmm.
You may have done all this, andthat's wonderful and we
(13:53):
appreciate it and we respect it.
But until you rip out a wall.
In a house, you have no cluewhat you're missing.
Oh, yeah.
So, so to get to self-funded,you've got to crawl, meaning you
need to do a small rehab, buy150,000 house, put$30,000 into
it, put it back on the market at275, sell it, then go buy two
(14:15):
more.
And so you build that portfolioto where you've done at least 8,
10, 12 deals.
To where now you know exactlywhat you're doing, and the good
news is, is now you've gotenough profitability and you've
made enough money over the last12, 18, 24 months, right, that
you can now self-fund your ownstructures, your own deals, and
(14:35):
create an and establish this towhere now you control the
narrative 100%.
Yeah.
I, I think that's, that's agreat, that's, that is the idea,
right?
To be able to get the assistantfrom, say, a hard money lender
Right.
To, to get in the door.
Right.
And once again, right, because,yeah, whenever, and, and in, in,
in real estate, the biggest costyou have is the loan.
(14:58):
Um, yeah.
The biggest cost you have is aloan.
And, and, and not everybody.
Can understand that.
And so when you, when you doright, crawl, walk, run, you
build an asset, you build a networth, you build financial
stability that allows you tostart doing these deals and
control the narrative.
We have, we have guys, clientsthat have, you know, 70, 80, a
(15:22):
hundred properties.
We've done, you know, 200 loansfor them and they're holding
half of those and they're allfree and clear.
Those are self-fundedindividuals because they now
have this cash flow of 40, 60,$80,000 a month coming in, and
they can take that and go buyanother property and, and, and
then, and never worry about it.
(15:42):
And now they're cutting out that12, 13, 14% interest that they
were paying to me.
Yeah, absolutely, man.
So, you know, what we do in, inthe multifamily space, uh, is
something unique for, for ourpassive investors, right?
Um, that, that comes with cashflow with proceeds from rent and
some, some appreciation on thebackside.
(16:03):
Some proceeds from sale as rightas well.
Um, but, but the business thatyou, you're involved in is more
so rely on the cash flow andhigh higher yield, you know, so
for, for those who creditinvest.
There's or small business ownersthat might be listening to this
podcast, you know, who areworking a full-time job and you
know, they see the right on thewall that their job is not
(16:24):
guaranteed or they want toimprove their lifestyle.
They want to use their todaymoney right to, to, to increase
the, to make higher interest,higher yield.
You know, what would be thefirst move for them to say, gain
some higher yield by workingwith, um, global.
So, yeah.
You know, and that's one of thethings that is so powerful and
so impactful.
(16:44):
There's a ton of people outthere Hutch, right?
I mean, hundreds of thousandsthat wanna be in real estate but
don't want to be in real estate.
They want to, right?
They want to have the realestate as the asset.
They don't know how to achievethat.
They don't wanna be swinging ahammer and, and ripping out
walls.
But they've got an IRA, they'vegot a 401k.
They've got that JOB, thatthey're, they know that they've
(17:06):
been on for 20, 25 years andthey ain't ready to retire.
And if they continue down thispath, they still won't be ready
to retire another 20 years.
Right.
So what do they do?
They need to get into investinginto real estate without being
in real estate?
Yeah.
And so Integrity Finance has aprivate equity fund to where
people can put money in.
(17:27):
We pay a monthly dividend andthey can build that portfolio.
We've got clients that have beenwith us for almost eight years
who, who started out with abouta half a million dollar
investment.
Right.
And now have well over$2 millionin growth in their fund because
they just compounded that yearover year, over year.
Mm-hmm.
Um, and so it is one of the mostsolidified ways to invest.
(17:51):
And, and as you know, and Iknow.
I pulled here recently and I'llbe, I'll tell you straight up
Hutch, not less than 90 daysago, I pulled all my money out
of the market.
I have zero money in Wall Streettoday because of the volatility
of the stock market.
Yeah, makes sense.
I was making 8, 10, 12% returnon the market.
(18:15):
Not bad.
But you know what?
I make 24, 28, 30% return on myreal estate, not as a lender in
my own investments.
I own over 300 doors today.
And so on.
Those investments I make overdouble digits every month, every
year on that because of thecompounding factor of cash,
(18:37):
flow, of, of, uh, appreciation.
You buy a property today inHawaii.
You buy a 700,000 property todayin Hawaii, and in five years
that property's worth what, 2million.
Million 5?, and there's no wayyou're gonna ever compound, uh,
capital that way in the market.
(18:57):
So being a investor in realestate doesn't mean you have to
be in real estate fix and flipacquisition.
You can partner with companieslike ours, you can be a, uh, an
LP investor, silent partner.
And then have your money nowworking for you instead of you
(19:18):
working for your money.
And it is, it is one of thethings that's enabled us to be
who we are because of the, the,the, um.
The profitability of ourindustry.
You know, even through COVID,one of the things that was so
astronomical, Hutch, we weredoing amazing from 2015, 16, 17,
18, 19.
(19:38):
And in that, in fact, 2019 iswhen we Ink Magazine, top 100
company, fastest growingcompany, private lender of the
year.
COVID hits.
And our industry was shut down.
Yep.
Absolutely.
Shut down.
Wall Street.
Pulled out, uh, insurance fundspulled out, hedge funds pulled
out, family offices pulled out.
(20:00):
But one of the things that wasso profound, and, and, and we
can testify to this under oath,is that because of the growth we
had and because of all the loanswe had that were still
performing.
We never missed a dividendpayment to our investors because
we had so much profit, so muchcapital rolling that they never
even knew there was adisruption.
(20:21):
Eight months later, we're backup and running and we just took
off that much.
The you people who put money inthe market lost millions.
The market tanked.
The market crashed.
They saw their 5 millionportfolio go to 2 and a half
million to 2 million, andthey're like, holy cow, I just
lost all my retirement.
Now it's taken almost five yearsto build it back.
(20:42):
They're back.
Yep.
We never lost.
We never lost.
Our properties appreciated.
More and more and more.
Our income increase.
Increase, increase ourdividends, increase every,
nothing ever.
We as a real estate investor, wenever knew COVID hit other than
being a lender.
Did we know it?
That's awesome, man.
Um, Toby, um, have about out ofthree, four minutes each time.
Can you take about a minute andwalk through maybe the five step
(21:07):
that a investor want to partnerwith global, um, can expect to
get their money to invest allthe way from, um, the, um,
research, deploying the money tothe money return.
Yep.
Yeah, so absolutely.
So you can go check us outInstagram,
tobypotterofficial.com or TobyPotter official.
Uh, go toglobalintegrityfinance.com.
(21:28):
Go anywhere LinkedIn.
But reach out to me.
Tell me what you're doing.
Tell me where you want to go.
Tell me what you want to do, andhere's what we do.
We'll do a 30 minuteconsultation, share everything
with you, hook you up with anyof our investors for references.
Let them share how long they'vebeen with us and how they've
never missed a beat intransformation of profitability.
(21:51):
Half of my investors, we boughtover 300 doors last year, and I
brought in our key investorsjust to profit share with them.
We didn't need'em, but webrought'em in.
Because of their loyalty, theynow put like 200,$300,000 in and
are worth a million dollars onthat investment on those
properties.
These are the kind of things wedo, so reach out to me.
You can DM me.
(22:11):
You can come to us, we'll walkyou through all the
opportunities, all thestrategies.
We have to run you through our,uh, SEC registered
accreditation.
And if you're qualified, wewould be more than happy to show
you how we can transform yourretirement plan into a true
retirement opportunity.
Um, and so the steps are, getahold of me, let's do a
(22:34):
consultation, we'll run youthrough accreditation and then
we'll put a plan together.
'cause you tell me, Hey, I got300,000, I got 500,000.
I need to turn that into 2million in three years, five
years.
Then we build a plan accordingto that, whether it be profit
sharing in, in projects, whetherit be just being a passive
investor on our lending side, ora combination of that is
(22:55):
awesome, man.
Thank you.
Thank you so much for sharingthat.
Um, Toby, I might, I might takean extra one minute, one minute
every time to run through thefocus round, right?
Uh, just have a fun opportunity,communication, understanding and
success.
Just quick, um, power through,what do you do for fun?
Yeah.
So what do I do for fun is I, Iimpact lives.
We, I, I get on stage everywhereI can to tell the story.
(23:19):
I don't have, this is fun forme.
Making a difference in people'slives is so much fun.
You know, people go hiking,people go skiing, people go
fishing.
People go, what?
I get on stages to change livesbecause we have so much fun that
I've got over 7,000 people thatare in our inner circle that do
deals with this.
Every day because we ensuretheir profit and success and we
(23:43):
grow their portfolios.
That's what's fun for me, buddy.
That's, there's nothing else.
I come to Hawaii and we'll gosit on the beach.
You can teach me how to surf,but we're gonna be on, if I come
to Hawaii, we're gonna get on astage, we're gonna bring in 200
people, we're gonna share ourstory with them and so that we
can impact their lives.
That's awesome, man.
What is one opportunity that wasa game changer for you?
(24:04):
So one opportunity that was agame changer for me was, um,
being on stage.
And this is, you know, I've beena lender for 30 years.
I've been in that, but I neverreally, uh, got on stage to
impact more lives.
Every, everything that I've everdone was just through marketing
and all that.
And then one person said, Hey.
Can you come speak at my summit,I had a speaker gonna be there.
(24:25):
They canceled due to a sickness.
Can you get?
And when I did that Hutch, whenI got on stage and just shared
who we are and what we do andhow we do it, that was a
transformation about five yearsago.
That impacted my life personallybecause I didn't realize I
wasn't getting the message outthere to the masses.
And when I realized how easy itwas to share who we are, what we
(24:47):
do, and the impact that itmakes, that was a game changer
for me.
Man.
That's awesome, man.
What is your number onecommunication tip?
Be transparent, man.
You don't know.
Be transparent, be authentic,and be transparent.
Everybody wants to helpeverybody.
They can.
You do.
I do.
(25:08):
Everybody wants to impact lives,make a difference.
But if the person we're talkingto does it.
Is it authentic and isn'ttransformational, meaning
telling me what's really goingon, what you really want to
achieve?
We can't get there.
If you tell me, Hey, Hutch, um,uh, Hutch says, Hey Toby, I need
you to get to Hawaii, butdoesn't tell me why, how, where
(25:30):
I show up in Hawaii.
There's seven islands in Hawaii.
I could be on the wrong island.
So you've got to becommunicative into exactly where
you need me to be and, and yousay, Hey, just show up in
Hawaii.
I show up tomorrow.
Oh no, no, I'm at six monthsfrom now and I need you on
Hawaii, not Hawaii.
So you know, there has to be avery clear.
(25:51):
Message given for us to be ableto put a very precise plan in
place and communicationtransformity and transparency is
the key to all that.
Okay, What is one thing you wishI understood earlier?
I wish I would've understood,um, how.
To better communicate earlier inlife, because I spent 30 years
(26:14):
to get where I'm at today, andif I would've known 20 years
ago, 15 years ago on the impactit makes, I could have
transformed sooner.
So one thing that I wish Iwould've done sooner.
Was, uh, align myself withpeople like you, people that
really understand how to getmessages out to be able to do
more messaging and morecommunicating.
(26:35):
This is the one thing that Ifeel like as a over 50-year-old
man, I'm not gonna tell you oldI am, but you can see I got gray
hair As an over 50-year-old man,it is taking me a long time to
realize or recognize how to getthe message out there and to
impact more lives.
I wish I'd have known thatsooner.
Okay.
Last question.
To what do you attribute yoursuccess?
Um, spiritually or, or mentally,spiritually and physically.
(26:57):
So, I teach a course that youmust be spiritually, mentally,
physically sounded with dailydisciplines in order to achieve
success.
Believing in who you are,believing in God Almighty, that
he created us.
He built us for a purpose, aplan to succeed, not to fail.
Believing in that and believingthat you are entitled to
(27:21):
success.
Not entitled to anything else.
I don't believe in entitlement,but I believe that every one of
us are entitled to have a veryrich, fulfilled life.
Yes.
When you believe that and youset your destiny to achieve
that, you will accomplish it.
And I believe that.
(27:41):
And that's what's attributed meto go through the crash.
COVID, all the disruptions, somany.
You know, ignited life stories,but because I am mentally,
spiritually, and physicallystrong, daily disciplines has
helped me rise to the success Ihave today.
And this is what we teach.
This is what we promote.
(28:02):
That is awesome.
That's awesome.
Toby, if our listeners want toget in touch with you, how do we
go about, what's the best way todo that?
So the best way is go on toInstagram, Toby, uh, Toby Potter
official, or you can go to ourwebsite now.
You can also go to theunshakeableinvestor.com,
theunshakeableinvestor.com.
That is where you get all ourproducts, all our programs, all
(28:24):
our messaging, and we will thenhelp you become.
The unshakeable person, whetherit's in real estate investing,
whether it's flipping analysis,it doesn't matter.
This is our platform.
This is who we are, is what webuild.
So Toby Potter, officialInstagram, the unshakeable
investor.com, or simplyglobalintegrityfinance.com.
(28:45):
Those are the way to get aholdof me.
Perfect man.
Toby, I want to thank you.
Thank you for breaking down, youknow, real estate investment and
also we understand that realestate investment can take a lot
of people's time.
What you do, give them backtheir time, give them a.
Put him on a path towardsfinancial freedom, time freedom,
location freedom, and alsocontribute to the freedom of
purpose as well.
So listeners, um, thank you forspending the time listening to
(29:06):
another episode of theMulti-Family Real Estate
Experiment podcast.
Until next time, I'm HutchMarine Investor out.
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