May 9, 2025 • 29 mins
In this episode, financial educator and real estate investor Hannah Kesler shares her journey as a second-generation advocate of the Infinite Banking Concept. From being mentored in financial literacy as a child to teaching the Money Multiplier method across the U.S., Hannah explains how this strategy helps individuals build and preserve wealth. She also discusses her early start in real estate, the power of strategic debt, and the critical role family and community play in achieving financial independence. Whether you're new to wealth-building or looking for smarter ways to grow your assets, this episode offers practical insights to help you take control of your financial future.
Hannah Kesler is a second-generation educator of the Infinite Banking Concept—a wealth-building strategy she passionately teaches alongside her father across the country. Mentored from a young age on how money truly works, Hannah began implementing the Infinite Banking Concept at just 18 and entered the real estate world by 20. With a vision to build a real estate empire and launch her own fashion line, she’s leveraging this powerful financial strategy to turn her dreams into reality. Based in Daytona Beach, Florida, Hannah embraces #vanlife with her cat, enjoying live music, dancing, and outdoor adventures when she's not helping others take control of their financial future through becoming their own banker.
GET HER eBOOK HERE: The Single Millionaire Chick by Hannah Kesler
In this episode:
- Meet Hannah Kesler, second-generation advocate of the Infinite Banking Concept and passionate financial educator.
- Learn how Hannah transitioned from being mentored as a child to teaching financial independence and speaking nationwide.
- Discover Hannah’s early entry into real estate at 20 and how she leverages wealth-building strategies to fuel her personal and professional goals.
- Explore the Money Multiplier method, rooted in the Infinite Banking Concept, and how it empowers individuals to recycle and recapture their own money.
- Understand the practical applications of Infinite Banking for managing debt, increasing liquidity, and building long-term wealth.
- Gain insights into how strategic debt and disciplined cash flow management can support generational wealth.
- Hear Hannah’s perspective on the importance of family, mentorship, and community in achieving financial success.
The Norris Group originates and services loans in California and Florida under California DRE License 01219911, Florida Mortgage Lender License 1577, and NMLS License 1623669. For more information on hard money lending, go www.thenorrisgroup.com and click the Hard Money tab.
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Narrator (00:01):
Welcome to The Norris Group real estate podcast, a
show committed to bringing youinsights from thought leaders
shaping the real estateindustry. In each episode, we'll
dive into conversations withindustry experts and local
insiders, all aimed at helpingyou thrive in an ever-changing
real estate market. continuingthe legacy that Bruce Norris
(00:24):
created, sharing valuableknowledge, and empowering you on
your real estate journey.
Whether you're a seasoned pro ora newcomer, this is your go-to
source for insider tips, markettrends and success strategies.
Here's your host, Craig Evans.
Craig Evans (00:45):
Hey everybody. We are so excited to have you on
today. We've got a great show.
It's something that a friend ofmine made a recommendation on,
and I can't wait to introduceyou to Hannah Kesler. Hannah is
a second generation of theInfinite Banking concept. It's a
method that Hannah and herfather travel around the country
to teach how to recycle,recapture and keep total control
(01:08):
of your hard earned dollars.
Hannah has been mentored since ayoung child about how money
really works. She's beenimplementing the Infinite
Banking concept since she was 18years old, and has been involved
in real estate since 20 years ofage. Her dreams are to build a
(01:28):
real estate empire and become afashion designer, to start her
own clothing line and boutique.
With this wealth managementtool. She knows those dreams
will become a reality soonerthan later. Hannah, it is an
honor and a privilege to haveyou on. First of all, how are
you doing?
Hannah Kesler (01:46):
Oh, I'm so good.
And that was a beautifulintroduction. Thank you. But I'm
doing good. As you know, too,being here in sunny Florida,
it's always a good day.
Craig Evans (01:56):
That's right, exactly, you know, it was fun.
So earlier this year, Joey whichyou know, Joey Romero, he went
to the Financial Freedom Summithosted by our good friends Buddy
and Kimberly Rushing. They werewanting me to be there. I had
prior commitments, so Joey wentin my stead. Did a great job for
us. And when I called him latethat afternoon to see how it
(02:18):
went, he said, we have to haveHannah on the podcast, and he
was so impressed by your storyand your presentation that he
thought we needed to share youwith our listeners. So I'm
excited to get into it, butfirst, what we try to do is I
want our people to not just knowwhat you do in business, but we
want our people to know whoHannah Kesler is right. So, so
(02:41):
give us a little background.
Where are you originally from?
Hannah Kesler (02:44):
Yeah. So, grew up in the Kansas City area, born in
St Louis, and then mom and dad,they said, alright, you know,
because my father's achiropractor back in his old
time and that he says, 'Youknow, I don't know where I want
to settle down at and reallystart these Chiropractic
Clinics.' And so it's kind ofgoing back and forth between St
Louis and Kansas City. So when Iwas about four years old, he
(03:06):
migrated the family over toKansas City, and that's where we
have our roots, specificallyOlathe, Kansas, about 30 minutes
south of Kansas City.
Craig Evans (03:14):
Yep, I know that area. Well, I go out to Parsons,
Kansas to do some hunting anddifferent stuff that we do out
there. So I love that area. Sogrowing up in in Kansas City and
that area, right, what you thinkyou were going to be?
Hannah Kesler (03:33):
Oh, let me tell you, actually, so, because I am
so very young girl as of thetime of this recording, 25 years
old, and I remember back in myhigh school time, I actually
wanted to be a vet. And Iremember at Olathe North, I
enrolled myself into the animalhealth program out there. So at
(03:53):
first I wanted to be a vet, andthen, long story short, but I
talk a little bit about this inmy book called The Single
Millionaire Chick, but I kind ofstarted running with the bad
crowds. And what I really thinkwas happening is I wasn't being
mentally stimulated in school,because not to say it in this
manner, but I was very good inschool. I didn't have to study,
(04:16):
and I would still get allstraight A's, pass my tests and
everything, to the point that Iactually graduated high school
early, and I think just notbeing mentally stimulated, it
had me go and outsource mystimulation elsewhere, and
that's when I kind of fell intoeven a drug addiction. Luckily,
I turned my life around. Got awhole 180 twist, and when I
(04:40):
graduated high school, Iactually moved out when I was 17
years old, and I got my firstapartment by myself in Shawnee,
Kansas. And back then, though,you know, mom and dad still had
to support me until I was 18years old, and I was actually
going to a school out therecalled Johnson County Community
College. And. And when I wasgoing to college, I thought,
(05:02):
hey, you know, I like numbers, Ilike math. I like to teach to
people. Maybe I want to go andstart pursuing being a CPA,
yeah, I did that. And then Idropped out and said, Hell no,
this is not what I want to do.
So then I was like, you know, Ihave a huge passion for fashion
design, and then I have theopportunity to go and tour a
school in Savannah Georgiacalled Savannah College of Art
(05:25):
and Design, SCAD. But thenthat's when it clicked with me
that I was like, oh my goodness,I'm gonna go out here rack up
all of the student loan debtsbecause we did. My grandfather,
he started 529 Plans for myself,my younger brother, my cousin, I
have a very small family, and sohe opened up all these 529 Plans
(05:46):
for us, and he was putting moneyinto them. That 529 Plan wasn't
going to fund for that out ofstate college tuition, so I was
going to have to go and get allthe student loan debt. And then
once I left college, what Iwould find myself like a 45, 50
year job. I mean, that's kind ofworking backwards. So then
(06:07):
that's when I came to pops, andI was like, you know, maybe you
know more than what I know,because that like 16, 17, 18,
years old, and think, you know,like, everything about the whole
entire world. And so I came todad with my tail in between my
legs, and I was like, you know,I don't know what I want to do
with my life. And so he says,'Well, hey, I need help in my
business, and if you're notgoing to help me, I'll go find
(06:30):
someone else to help me.' And Iwas like, 'Well, okay, well,
what do you want me to do?' Andthat's where I really started
off on our applications team. Iwas helping take all of those
applications, working directlywith the insurance companies and
the underwriters. And I thinkthat's the best place of where I
started really learning thisbusiness from the ground up. So
I was on the application team,and then I led the application
(06:52):
team. I was kind of the teamleader over there, and then I
moved up. I was dad's assistanttraveling all around the country
with him. I was like his techgirl and handing out all the
handouts. And so I was followinghim around, seeing what he was
doing, teaching live, to thepoint that I started doing my
own webinars. And this was backin 2020 when COVID hit, where
(07:14):
everything just went digital.
And then it was in March of2021, he says,'Hannah, I can't
make this event to go speak at,so I bought you a plane ticket.
You're going to get'.. yourpardon my French. 'You're going
to get your ass on thisairplane, and you're going to
fly to Scottsdale, Arizona, andyou're going to speak to a group
(07:36):
of 75 real estate investors',all by myself. And I said, Oh my
goodness. I was 21 years oldback then. And I was like, 'Oh
my goodness. Okay, I'll go do itdad.' And I remember waking up
in my Airbnb that morning. Ipracticed my presentation like
three times before I even wentin and gave it live. But man,
that was the start of it. That'swhere I found my love and my
(07:56):
passion from teaching, fromstage and talking to people, and
it now up to the point where Itravel around and I speak out
anywhere from 50 to 70 liveevents a year, doing TV
interviews, then jumbotron andin downtown New York City, Times
Square, it's just been a lot offun ever since then.
Craig Evans (08:15):
So before you got in with your dad on that, did
you have a job in any I mean,did you ever have a job?
Hannah Kesler (08:22):
Good question. So my first ever job, I was 14, I
worked at the ChiropracticClinic of one of Dad's offices
in Olathe, Kansas, and then whenI got into my struggles, I got
fired from that job. So thatnight, I actually went online,
and I was applying at all thesedifferent locations, and it was
(08:42):
Cracker Barrel. So back then,Cracker Barrel was a serving
alcohol, like how they are now.
So I could waitress being underthe age of 18, and I was doing
that for about two and a halfyears. And I'll tell you, I love
waitressing, and that was somuch fun, but that was really
what it was my chiropractic gigand then a cracker rail to now
being a money mentor is what Icall myself.
Craig Evans (09:05):
Tell me this, because I know you're also in
real estate. So, so when did youactually get into real estate in
that process?
Hannah Kesler (09:12):
Yeah, yeah. So with the real estate stuff, I'll
tell you this. And actually, alot of the parents who are
listening, dad taught us kids ata young age. He says, 'Hey, your
dollars are your little greenmen, and the objective is, go
put your little green men towork for you, create an army of
(09:33):
green men that are out thereworking, so then you can take
back your time, freedom, yourlocation, freedom, etc. So she
says, Hey, instead of havingyour money sit inside of the
conventional bank for the wholelife, policy is designed for
high, immediate cash value,which we'll maybe get into, give
(09:53):
your money to me, kids, giveyour money to me. I'll pay you
10% Interest on it, and I'll payyou this out monthly' And then,
you know what dad was doing? Hewas taking our money and going
out and reinvesting it into hisown real estate adventures. So
(10:14):
I'm pretty much on, like, thepaper side of real estate. I
love notes, I love privatelending. That that's really what
I love to do, and that's whattaught me how to go and put the
money to work in these realestate investments backed up by
the collateral of the hardassets, the land or the real
estate. And that's what I'vebeen doing up to this point.
Craig Evans (10:33):
That is awesome. So last question before we get into
now what you're doing, right? Iunderstand that you love
traveling, but more importantlythat you love traveling in your
van. So, you know, listen, at 52years old, with a wife, two
kids, two dogs, you know,hundreds of employees, I don't
(10:55):
get to go travel in a vananymore, right? So that, so how
often are you out and about,like, free time, right?
Traveling and then I know you dopodcasts. Are you doing many of
those from your van setting?
Hannah Kesler (11:08):
Oh, man, yes, I do. Yes I do. And I would say I
travel probably four to sixmonths out of the year, because,
as we know, being in Florida, itgets hot down here in the summer
months. So, I bounce out and Igo north, maybe we have some
property in Idaho. I'll spendsome time at my grandparents
live in Alabama and Texas. I'llgo visit them, and I'll just
(11:31):
travel around and go todifferent national parks and and
even boondock in it, man, onceyou get really deep into the
Argy van life, there's a bunchof these apps that are out there
that people will put on there tosay, 'Hey, this is a great
location. You can boondock for anight or two,' and I'll kind of
travel around and just see wherethe wind takes me.
Craig Evans (11:51):
There was one other thing I forgot I wanted to ask
you, because, you know, we'vegot a lot of young investors
that are just getting in.
They're just buying firsthouses, whether it's their own
house, and trying to figure outhow to gain equity in that get
out of a renting world thingslike that. Tell me about the
first house you bought.
Hannah Kesler (12:08):
So the first house I ever bought was in
Florida, Daytona Beach, Florida.
So I moved from Kansas City toFlorida in 2018 and it was a
month that I turned 19. It wasAugust of 2018, and when I moved
down here, it was actually myfather who bought the house. And
dad bought the house leveraginghis policy so he'd pay cash for
(12:32):
the house, but knowing Dad, Dadjust doesn't give you a free
ride. Okay? There's businesslife and his personal life.
Okay? Says, 'Hey, I will buythis house for you. You own the
house, so your name is on thedeed, but I'm your mortgage
holder, so you're gonna pay memonthly payments, and I'm gonna
(12:54):
charge you a 13% interest rate.'Now, that's a conversation we
can have for another time, butthere's reasons why his interest
rates are so high. Okay? Andthat's what I did. I bought that
first house. I was paying dad mymortgage payments, and once I
developed out of that, I nowhave that house, and I solely
(13:17):
own it myself, and now it's arental, since I moved over here
to beachside in Daytona Beach.
But that's really just my firstand only property right now that
I hold, and everything else thatI do in real estate is really
more on the private lendingside. That's really my love and
my passion right now, because Icall myself kind of a lazy
(13:38):
investor. You know, I'm busy.
I'm running my businesses. I'mbuilding my brand over here. You
know, I don't got time to tendto the tenants, the toilets and
the termites, you know.
Craig Evans (13:47):
That's right, that's it. Listen, let's get
into what you're doing now,right? So I want to start out
quick. So you start out, I'mquoting you. So you started
rocking this wealth buildingstrategy since you were 18. It's
like, what is The MoneyMultiplier?
Hannah Kesler (14:03):
So the money multiplier, really, it stems
from a concept that's called theInfinite Banking Concept. And it
all comes, I want you all tohave this resource. It comes
from this black book calledBecoming Your Own Banker, by a
gentleman named R Nelson Nash.
And Nelson Nash, Unfortunately,he passed away at the age of 87
(14:23):
in March of 2019 but he was myfather's mentor. And so with
this concept, we all have to gomake money to live on this god
given earth we call America,right? And when we make that
money, what are our options?
Well, I could go leave it at thebank, because that's where they
(14:46):
keep the money. I mean, I couldput it under my mattress or dig
a hole in the backyard, right?
Or I could leave it to afinancial advisor who thinks
they can manage my money betterthan I can, and that's really
like all the options that weregiven. So this concept is
talking about, instead ofleaving your money in somebody
else's bank, Wells Fargo, Bankof America, etc, and what those
(15:10):
bankers are doing is they'reusing our money making a good
living off of our money. I'mjust going to flip the script.
I'm going to make my depositsinto my privatized banking
system, aka my whole lifeinsurance policy that's designed
(15:30):
for immediate high cash valuewith a mutually owned insurance
company. And I get it, peopleare going to hear that and,
like, slam down their theirphones and their computer
screens and say, okay, yeah,yeah, I I've heard all about
this whole life stuff, you know,Dave Ramsey and Susie Orman,
they told me, whole life is theworst place to put my money,
(15:52):
right? I get it, and that's whyit took my family two years to
start this stuff, because dadlearned about this in 2006 at a
chiropractic conference, hebought Nelson's book, and he
went home, he set this book onthe shelf, and he didn't do
anything with the information.
And then two years later, in2008 he went back to that same
(16:15):
chiropractic convention. In like10 or 12 of his colleagues were
coming up to him and holleringabout this banking concept. And
that's when dad was like, 'Allright, there's probably
something to this. I mean, noway 10 or 12 my closest
colleagues could be lying to meabout this. I mean, maybe one or
two of them, but no way 10 or12.' So that's when my family
took action with it, because dadwas a big day for Ramsey's
(16:37):
follower. He's following themasses and what all those big
gurus at the time were talkingand teaching about and he was
just totally closed off. He hitwhat we call the arrival
syndrome. And you don't want tohit the arrival syndrome,
because once you hit that,you're better off as dead,
because you think you knoweverything there is known in
this whole world, right? So withit, it's having the policy, so
(17:01):
that when I make my premiumdeposits into it immediately,
and my definition of immediatelyis within 30 days, I have cash
value in there that I canleverage against the policy,
take it out and then start usingit, whether it's paying off
debt. That's where my fatherstarted with almost a million
(17:22):
dollars of debt or your realestate investments, your taxes
every year, your vacations, yourcars that you're buying,
anything and everything. I'mjust now doing it through my own
privatized banking system, whereI make the interest, the
profits, the dividends, insteadof the bankers making a good
(17:43):
living off of my money.
Craig Evans (17:45):
So with that, how did you go from seeing this with
your dad, right, watching yourdad do this, you playing around
with it yourself, rocking it,you know, "rocking it yourself,"
as you said, right? And youhinted to it earlier, but now
you're actually teaching thissystem so, walk me in a little
(18:08):
deeper of how you got into thatin a quick from, from the
timetables you're giving me, itwasn't like this took years. I
mean, this was a fairly quickprocess.
Hannah Kesler (18:18):
Yeah, yeah, because lack of better words,
and don't take this in thatmanner, but I was almost kind of
forced to do my first policy.
Okay? Dad says, All right, nowthat you're 18 years old, you
can own a policy. And I rememberthis day, I was working a shift
at Cracker Barrel. I was workingthe seven to two shift that day,
and it was on my birthday. Hecomes in and he says, 'Hey,
(18:40):
we're going to go on a littleadventure for your birthday
today.' And what we did is wedrove down to Commerce Bank,
because that's where I kept mysavings and checking account at
the time, because, you know, Iwould get the birthday money,
the Christmas money from mom,dad, grandma, grandpa, right?
And I'll go keep it in checkingher savings account. And back
then I had about $5,000 savedup. And he says, now that you're
(19:03):
18, we're going to close thissavings account and you're going
to take this money and you'regoing to start your first policy
with it. And back at that time,luckily, I had good parents that
taught me the value of thedollar, how to pay myself first.
And so when I was working myshifts, and I would collect my
tip money at the end of thenight, and I'll add, that's why
(19:25):
I love Cracker Barrel, becausethere was no tip sharing. And
every night you would close out,and you get paid in cash every
single night. And I would besaving up about $100 a week. So
100 a week, 400 a month. Hesays, this is where you're going
to start your first policy at.
It's $400 a month. And backthen, I didn't know everything
(19:48):
that I know now, 'I was like,Okay, Dad, sure, I'll start the
stupid life insurance policy,whatever.' And luckily, though
I'm glad that I did, because youcan't ever take back the time.
Time is the only resource wecan't get back. And that's just
what we're doing, is I'mutilizing the compounding, the
uninterrupted compounding, so myfirst policy that I started,
(20:12):
that policy, is always going tobe more efficient and better
than the policies that I'mstarting today, tomorrow and
into the future because of thatcompounding clock of where I
started at 18 years old. So fromstarting up first policy and
then really being deep in thisbusiness with my father, that's
(20:33):
where I started to learn moreand more about how money works,
taxes, government intervention,the markets, right? I mean,
personally, I have no money inthe markets. I have no money in
qualified plans, 401(k)s, IRAs,anything like that, because I
want to control the environmentof where I leave that hard
(20:53):
earned money at. And that's whywe do love real estate so much,
because we can really controlthe risk of what we're taking
with that money. But I think Ianswer your question, but that's
kind of where it started at.
Craig Evans (21:05):
You did, you did so, so one of the things that's
interesting you talk about, youtalk about the system you teach
as a way to embrace strategicdebt for generational wealth.
Can you share a little bit aboutwhat you mean by that, and how
you're doing that?
Hannah Kesler (21:20):
Yeah, yeah. And it'll even, because we got over
17,000 clients in every singlestate of the country. But I'm
gonna use like, Dad's example,for instance, because when he
was a chiropractor, he had allof this debt, you know, he had
five clinics in the Kansas Cityarea. He had, he's an aviation
enthusiast, he's a pilot. He hadto have his own airplane. He had
(21:42):
a house on the Lake of theOzarks. That's where we spend a
lot of our summer months at. Andif you have a house on the Lake
of the Ozarks, you gotta have aboat and a wave runner.
Craig Evans (21:51):
You have to.
Hannah Kesler (21:52):
Yes. And it didn't take him a lot to rack up
all of that, a million dollarsof debt. And so what we did
first. And this is what Iencourage for everybody, is if
you have any of those bad debts,because, as we know, as real
estate investors, all debt isnot bad debt, but if I have that
bad debt, that's what I want tostart shifting the control on
(22:15):
first. So he utilized hispolicies to go and pay off the
car people, the credit cardpeople, the boat loan people,
get them paid off. And then whathe did is, and this is where
most people stop, okay, I justpaid off this car loan. Now I
just freed up. Let's call it 500bucks a month. Now I can treat
(22:38):
that $500 like it's freespending money now, and it's
like, no, no, no. Now what Iwant to do is I want to shift
that 500 a month I was sendingto the car people. Now I'm just
going to pivot that, and I'mgoing to start paying myself
back into my policy that $500 amonth, because now I'm in
(22:58):
control, because before that,the banker was in control of
that transaction. If I didn'tpay that car payment, or, I
should say, Pops, if he didn'tpay that car payment, no matter
what's going on in your life,they're going to come and tow
that car right off of yourdriveway, no if ands or buts.
But now I shifted that controlback to myself, because policy
(23:21):
loans are not required to getpaid back. I want you to pay
them back. Treat your money justhow you treat the bank's money.
Play on his banker withyourself. But it's not a
requirement, because if I comeinto some downtime, if I have a
death in the family or reallife, example, there's one time
my microwave and my refrigeratorwent out in the same week, and I
(23:43):
was like, well, crap. I got togo buy new appliances. I can't
pay myself back this month. It'sokay, because Hannah's not going
to call Hannah up on the phoneand say, Hey, Hannah, where's
your loan payment this month,right? Because I'm in control of
the transaction.
Craig Evans (23:57):
Can you use this system in any situation you know
any purchases that you'relooking at, can you use it in
anything?
Hannah Kesler (24:04):
Yeah, anything.
Go buy a pack of chewing gumdown at the convenience store
with your policy money if youreally wanted to. Anything and
everything. Doesn't matter whatit is.
Craig Evans (24:13):
You've talked you've talked about family a lot
in this and being one of themajor reasons you love the
system. I've heard the thingsthat you're talking about with
your dad teaching you and thattype of stuff. What does family
mean to you,though?
Hannah Kesler (24:31):
I'll say this too. I've gotten a deeper
appreciation as I've gottenolder as well, because there's
been times when I was goingthrough my struggles. There was
two years where mom, dad, mybrothers and I, we did not talk
at all, and I think I justreally had to go and hit my rock
bottom to figure it out and say,'All right, I need to come back
(24:53):
home.' And that's when I startedeven building my relationship
back up with God again, becauseI grew up Catholic. And then.
From then, you know, I was justkind of going off the rails and
saying, Well, I was kind ofquestioning everything, do I
really believe in this, or do Ijust believe in it? Because it
was not thrown upon me, but lackof better words when I was a
young child, right? So to me, Ithink family is just very, very
(25:17):
important, and it's not so much.
It has to be your blood family,because I know some people don't
have that within their lives,but it's a support system. I
think it's the support that youhave from those individuals that
you just need to have withinyour life. I think that's the
coolest thing about this humanexperience that we have, is the
support and the love that we canshare, receive and give to one
(25:39):
another.
Craig Evans (25:42):
Well, and that's I'm not trying to get away from
what we're talking about thebooks and business and what
you're teaching and what you do,but, I think that's as I kept
hearing you talk about that withyour dad, with your family,
that's one of the things I wantto hit on, because so many of
our listeners, I mean, I'm a dadof two, you know, I've got a 16
year old and a 19 year old, and,and, and I want people to
(26:03):
remember that their community,your family, the community, the
people you surround yourselfwith now, right? I mean, and I
think that's such a key that youkeep going back, yeah, I get it.
Your dad, you know, using a 17,18, year old, your dad was
quote, unquote, "forcing" someof that on you to say, all
right, Hannah, you are going tolearn how to be responsible as
(26:26):
adult, right? I mean, that's hisjob as a dad, right? You may not
have got it then, but that's hisjob, but, but I love the fact
that now you as 25 are seeingthat, hey, this culture, and
like you say, maybe it's notjust immediate family, but the
culture of this community aroundyou is an important fact, and
that's especially for peoplethat are listening when they're
(26:48):
just starting and investing or,you know, having those people
around you matters, you know, sowell. So let's go. But I mean,
like I said, I wasn't trying todive off, but I just wanted, I
wanted to press into what thatwas for you, you know.
Hannah Kesler (27:02):
Yes, and Craig, I'll even add this because I
know, it's a line that we'veheard before, but seriously, and
I've learned this in my own lifefrom my struggles. Dad has
always taught me, you become theaverage of the top five people
you hang around with. And I'mtelling you, it is so, so true,
no matter how maybe cheesy ormainstream that sounds. I mean,
(27:26):
I'm telling y'all it is so damntrue. Again, pardon of my
French.
Craig Evans (27:30):
All right, guys, that's going to do it this week
for our time with HannahKessler. Make sure and join us
next week for part two. See yousoon
Narrator (27:37):
For more information on hard money loans, trust deed
investing, and upcoming eventswith The Norris group. Check out
thenorrisgroup.com. For moreinformation on passive investing
through the DBL Capital RealEstate Investment Fund, please
visit dblapital.com.
Joey Romero (27:58):
The Norris Group originates and services loans in
California and Florida underCalifornia DRE license 01219911.
Florida mortgage lender license1577 and NMLS license 1623669.
For more information on hardmoney lending go to
thenorrisgroup.com and click thehard money tab.
Welcome to The Norris Group real estate podcast, a
show committed to bringing youinsights from thought leaders
shaping the real estateindustry. In each episode, we'll
dive into conversations withindustry experts and local
insiders, all aimed at helpingyou thrive in an ever-changing
real estate market. continuingthe legacy that Bruce Norris
(00:24):
created, sharing valuableknowledge, and empowering you on
your real estate journey.
Whether you're a seasoned pro ora newcomer, this is your go-to
source for insider tips, markettrends and success strategies.
Here's your host, Craig Evans.
Craig Evans (00:45):
Hey everybody. We are so excited to have you on
today. We've got a great show.
It's something that a friend ofmine made a recommendation on,
and I can't wait to introduceyou to Hannah Kesler. Hannah is
a second generation of theInfinite Banking concept. It's a
method that Hannah and herfather travel around the country
to teach how to recycle,recapture and keep total control
(01:08):
of your hard earned dollars.
Hannah has been mentored since ayoung child about how money
really works. She's beenimplementing the Infinite
Banking concept since she was 18years old, and has been involved
in real estate since 20 years ofage. Her dreams are to build a
(01:28):
real estate empire and become afashion designer, to start her
own clothing line and boutique.
With this wealth managementtool. She knows those dreams
will become a reality soonerthan later. Hannah, it is an
honor and a privilege to haveyou on. First of all, how are
you doing?
Hannah Kesler (01:46):
Oh, I'm so good.
And that was a beautifulintroduction. Thank you. But I'm
doing good. As you know, too,being here in sunny Florida,
it's always a good day.
Craig Evans (01:56):
That's right, exactly, you know, it was fun.
So earlier this year, Joey whichyou know, Joey Romero, he went
to the Financial Freedom Summithosted by our good friends Buddy
and Kimberly Rushing. They werewanting me to be there. I had
prior commitments, so Joey wentin my stead. Did a great job for
us. And when I called him latethat afternoon to see how it
(02:18):
went, he said, we have to haveHannah on the podcast, and he
was so impressed by your storyand your presentation that he
thought we needed to share youwith our listeners. So I'm
excited to get into it, butfirst, what we try to do is I
want our people to not just knowwhat you do in business, but we
want our people to know whoHannah Kesler is right. So, so
(02:41):
give us a little background.
Where are you originally from?
Hannah Kesler (02:44):
Yeah. So, grew up in the Kansas City area, born in
St Louis, and then mom and dad,they said, alright, you know,
because my father's achiropractor back in his old
time and that he says, 'Youknow, I don't know where I want
to settle down at and reallystart these Chiropractic
Clinics.' And so it's kind ofgoing back and forth between St
Louis and Kansas City. So when Iwas about four years old, he
(03:06):
migrated the family over toKansas City, and that's where we
have our roots, specificallyOlathe, Kansas, about 30 minutes
south of Kansas City.
Craig Evans (03:14):
Yep, I know that area. Well, I go out to Parsons,
Kansas to do some hunting anddifferent stuff that we do out
there. So I love that area. Sogrowing up in in Kansas City and
that area, right, what you thinkyou were going to be?
Hannah Kesler (03:33):
Oh, let me tell you, actually, so, because I am
so very young girl as of thetime of this recording, 25 years
old, and I remember back in myhigh school time, I actually
wanted to be a vet. And Iremember at Olathe North, I
enrolled myself into the animalhealth program out there. So at
(03:53):
first I wanted to be a vet, andthen, long story short, but I
talk a little bit about this inmy book called The Single
Millionaire Chick, but I kind ofstarted running with the bad
crowds. And what I really thinkwas happening is I wasn't being
mentally stimulated in school,because not to say it in this
manner, but I was very good inschool. I didn't have to study,
(04:16):
and I would still get allstraight A's, pass my tests and
everything, to the point that Iactually graduated high school
early, and I think just notbeing mentally stimulated, it
had me go and outsource mystimulation elsewhere, and
that's when I kind of fell intoeven a drug addiction. Luckily,
I turned my life around. Got awhole 180 twist, and when I
(04:40):
graduated high school, Iactually moved out when I was 17
years old, and I got my firstapartment by myself in Shawnee,
Kansas. And back then, though,you know, mom and dad still had
to support me until I was 18years old, and I was actually
going to a school out therecalled Johnson County Community
College. And. And when I wasgoing to college, I thought,
(05:02):
hey, you know, I like numbers, Ilike math. I like to teach to
people. Maybe I want to go andstart pursuing being a CPA,
yeah, I did that. And then Idropped out and said, Hell no,
this is not what I want to do.
So then I was like, you know, Ihave a huge passion for fashion
design, and then I have theopportunity to go and tour a
school in Savannah Georgiacalled Savannah College of Art
(05:25):
and Design, SCAD. But thenthat's when it clicked with me
that I was like, oh my goodness,I'm gonna go out here rack up
all of the student loan debtsbecause we did. My grandfather,
he started 529 Plans for myself,my younger brother, my cousin, I
have a very small family, and sohe opened up all these 529 Plans
(05:46):
for us, and he was putting moneyinto them. That 529 Plan wasn't
going to fund for that out ofstate college tuition, so I was
going to have to go and get allthe student loan debt. And then
once I left college, what Iwould find myself like a 45, 50
year job. I mean, that's kind ofworking backwards. So then
(06:07):
that's when I came to pops, andI was like, you know, maybe you
know more than what I know,because that like 16, 17, 18,
years old, and think, you know,like, everything about the whole
entire world. And so I came todad with my tail in between my
legs, and I was like, you know,I don't know what I want to do
with my life. And so he says,'Well, hey, I need help in my
business, and if you're notgoing to help me, I'll go find
(06:30):
someone else to help me.' And Iwas like, 'Well, okay, well,
what do you want me to do?' Andthat's where I really started
off on our applications team. Iwas helping take all of those
applications, working directlywith the insurance companies and
the underwriters. And I thinkthat's the best place of where I
started really learning thisbusiness from the ground up. So
I was on the application team,and then I led the application
(06:52):
team. I was kind of the teamleader over there, and then I
moved up. I was dad's assistanttraveling all around the country
with him. I was like his techgirl and handing out all the
handouts. And so I was followinghim around, seeing what he was
doing, teaching live, to thepoint that I started doing my
own webinars. And this was backin 2020 when COVID hit, where
(07:14):
everything just went digital.
And then it was in March of2021, he says,'Hannah, I can't
make this event to go speak at,so I bought you a plane ticket.
You're going to get'.. yourpardon my French. 'You're going
to get your ass on thisairplane, and you're going to
fly to Scottsdale, Arizona, andyou're going to speak to a group
(07:36):
of 75 real estate investors',all by myself. And I said, Oh my
goodness. I was 21 years oldback then. And I was like, 'Oh
my goodness. Okay, I'll go do itdad.' And I remember waking up
in my Airbnb that morning. Ipracticed my presentation like
three times before I even wentin and gave it live. But man,
that was the start of it. That'swhere I found my love and my
(07:56):
passion from teaching, fromstage and talking to people, and
it now up to the point where Itravel around and I speak out
anywhere from 50 to 70 liveevents a year, doing TV
interviews, then jumbotron andin downtown New York City, Times
Square, it's just been a lot offun ever since then.
Craig Evans (08:15):
So before you got in with your dad on that, did
you have a job in any I mean,did you ever have a job?
Hannah Kesler (08:22):
Good question. So my first ever job, I was 14, I
worked at the ChiropracticClinic of one of Dad's offices
in Olathe, Kansas, and then whenI got into my struggles, I got
fired from that job. So thatnight, I actually went online,
and I was applying at all thesedifferent locations, and it was
(08:42):
Cracker Barrel. So back then,Cracker Barrel was a serving
alcohol, like how they are now.
So I could waitress being underthe age of 18, and I was doing
that for about two and a halfyears. And I'll tell you, I love
waitressing, and that was somuch fun, but that was really
what it was my chiropractic gigand then a cracker rail to now
being a money mentor is what Icall myself.
Craig Evans (09:05):
Tell me this, because I know you're also in
real estate. So, so when did youactually get into real estate in
that process?
Hannah Kesler (09:12):
Yeah, yeah. So with the real estate stuff, I'll
tell you this. And actually, alot of the parents who are
listening, dad taught us kids ata young age. He says, 'Hey, your
dollars are your little greenmen, and the objective is, go
put your little green men towork for you, create an army of
(09:33):
green men that are out thereworking, so then you can take
back your time, freedom, yourlocation, freedom, etc. So she
says, Hey, instead of havingyour money sit inside of the
conventional bank for the wholelife, policy is designed for
high, immediate cash value,which we'll maybe get into, give
(09:53):
your money to me, kids, giveyour money to me. I'll pay you
10% Interest on it, and I'll payyou this out monthly' And then,
you know what dad was doing? Hewas taking our money and going
out and reinvesting it into hisown real estate adventures. So
(10:14):
I'm pretty much on, like, thepaper side of real estate. I
love notes, I love privatelending. That that's really what
I love to do, and that's whattaught me how to go and put the
money to work in these realestate investments backed up by
the collateral of the hardassets, the land or the real
estate. And that's what I'vebeen doing up to this point.
Craig Evans (10:33):
That is awesome. So last question before we get into
now what you're doing, right? Iunderstand that you love
traveling, but more importantlythat you love traveling in your
van. So, you know, listen, at 52years old, with a wife, two
kids, two dogs, you know,hundreds of employees, I don't
(10:55):
get to go travel in a vananymore, right? So that, so how
often are you out and about,like, free time, right?
Traveling and then I know you dopodcasts. Are you doing many of
those from your van setting?
Hannah Kesler (11:08):
Oh, man, yes, I do. Yes I do. And I would say I
travel probably four to sixmonths out of the year, because,
as we know, being in Florida, itgets hot down here in the summer
months. So, I bounce out and Igo north, maybe we have some
property in Idaho. I'll spendsome time at my grandparents
live in Alabama and Texas. I'llgo visit them, and I'll just
(11:31):
travel around and go todifferent national parks and and
even boondock in it, man, onceyou get really deep into the
Argy van life, there's a bunchof these apps that are out there
that people will put on there tosay, 'Hey, this is a great
location. You can boondock for anight or two,' and I'll kind of
travel around and just see wherethe wind takes me.
Craig Evans (11:51):
There was one other thing I forgot I wanted to ask
you, because, you know, we'vegot a lot of young investors
that are just getting in.
They're just buying firsthouses, whether it's their own
house, and trying to figure outhow to gain equity in that get
out of a renting world thingslike that. Tell me about the
first house you bought.
Hannah Kesler (12:08):
So the first house I ever bought was in
Florida, Daytona Beach, Florida.
So I moved from Kansas City toFlorida in 2018 and it was a
month that I turned 19. It wasAugust of 2018, and when I moved
down here, it was actually myfather who bought the house. And
dad bought the house leveraginghis policy so he'd pay cash for
(12:32):
the house, but knowing Dad, Dadjust doesn't give you a free
ride. Okay? There's businesslife and his personal life.
Okay? Says, 'Hey, I will buythis house for you. You own the
house, so your name is on thedeed, but I'm your mortgage
holder, so you're gonna pay memonthly payments, and I'm gonna
(12:54):
charge you a 13% interest rate.'Now, that's a conversation we
can have for another time, butthere's reasons why his interest
rates are so high. Okay? Andthat's what I did. I bought that
first house. I was paying dad mymortgage payments, and once I
developed out of that, I nowhave that house, and I solely
(13:17):
own it myself, and now it's arental, since I moved over here
to beachside in Daytona Beach.
But that's really just my firstand only property right now that
I hold, and everything else thatI do in real estate is really
more on the private lendingside. That's really my love and
my passion right now, because Icall myself kind of a lazy
(13:38):
investor. You know, I'm busy.
I'm running my businesses. I'mbuilding my brand over here. You
know, I don't got time to tendto the tenants, the toilets and
the termites, you know.
Craig Evans (13:47):
That's right, that's it. Listen, let's get
into what you're doing now,right? So I want to start out
quick. So you start out, I'mquoting you. So you started
rocking this wealth buildingstrategy since you were 18. It's
like, what is The MoneyMultiplier?
Hannah Kesler (14:03):
So the money multiplier, really, it stems
from a concept that's called theInfinite Banking Concept. And it
all comes, I want you all tohave this resource. It comes
from this black book calledBecoming Your Own Banker, by a
gentleman named R Nelson Nash.
And Nelson Nash, Unfortunately,he passed away at the age of 87
(14:23):
in March of 2019 but he was myfather's mentor. And so with
this concept, we all have to gomake money to live on this god
given earth we call America,right? And when we make that
money, what are our options?
Well, I could go leave it at thebank, because that's where they
(14:46):
keep the money. I mean, I couldput it under my mattress or dig
a hole in the backyard, right?
Or I could leave it to afinancial advisor who thinks
they can manage my money betterthan I can, and that's really
like all the options that weregiven. So this concept is
talking about, instead ofleaving your money in somebody
else's bank, Wells Fargo, Bankof America, etc, and what those
(15:10):
bankers are doing is they'reusing our money making a good
living off of our money. I'mjust going to flip the script.
I'm going to make my depositsinto my privatized banking
system, aka my whole lifeinsurance policy that's designed
(15:30):
for immediate high cash valuewith a mutually owned insurance
company. And I get it, peopleare going to hear that and,
like, slam down their theirphones and their computer
screens and say, okay, yeah,yeah, I I've heard all about
this whole life stuff, you know,Dave Ramsey and Susie Orman,
they told me, whole life is theworst place to put my money,
(15:52):
right? I get it, and that's whyit took my family two years to
start this stuff, because dadlearned about this in 2006 at a
chiropractic conference, hebought Nelson's book, and he
went home, he set this book onthe shelf, and he didn't do
anything with the information.
And then two years later, in2008 he went back to that same
(16:15):
chiropractic convention. In like10 or 12 of his colleagues were
coming up to him and holleringabout this banking concept. And
that's when dad was like, 'Allright, there's probably
something to this. I mean, noway 10 or 12 my closest
colleagues could be lying to meabout this. I mean, maybe one or
two of them, but no way 10 or12.' So that's when my family
took action with it, because dadwas a big day for Ramsey's
(16:37):
follower. He's following themasses and what all those big
gurus at the time were talkingand teaching about and he was
just totally closed off. He hitwhat we call the arrival
syndrome. And you don't want tohit the arrival syndrome,
because once you hit that,you're better off as dead,
because you think you knoweverything there is known in
this whole world, right? So withit, it's having the policy, so
(17:01):
that when I make my premiumdeposits into it immediately,
and my definition of immediatelyis within 30 days, I have cash
value in there that I canleverage against the policy,
take it out and then start usingit, whether it's paying off
debt. That's where my fatherstarted with almost a million
(17:22):
dollars of debt or your realestate investments, your taxes
every year, your vacations, yourcars that you're buying,
anything and everything. I'mjust now doing it through my own
privatized banking system, whereI make the interest, the
profits, the dividends, insteadof the bankers making a good
(17:43):
living off of my money.
Craig Evans (17:45):
So with that, how did you go from seeing this with
your dad, right, watching yourdad do this, you playing around
with it yourself, rocking it,you know, "rocking it yourself,"
as you said, right? And youhinted to it earlier, but now
you're actually teaching thissystem so, walk me in a little
(18:08):
deeper of how you got into thatin a quick from, from the
timetables you're giving me, itwasn't like this took years. I
mean, this was a fairly quickprocess.
Hannah Kesler (18:18):
Yeah, yeah, because lack of better words,
and don't take this in thatmanner, but I was almost kind of
forced to do my first policy.
Okay? Dad says, All right, nowthat you're 18 years old, you
can own a policy. And I rememberthis day, I was working a shift
at Cracker Barrel. I was workingthe seven to two shift that day,
and it was on my birthday. Hecomes in and he says, 'Hey,
(18:40):
we're going to go on a littleadventure for your birthday
today.' And what we did is wedrove down to Commerce Bank,
because that's where I kept mysavings and checking account at
the time, because, you know, Iwould get the birthday money,
the Christmas money from mom,dad, grandma, grandpa, right?
And I'll go keep it in checkingher savings account. And back
then I had about $5,000 savedup. And he says, now that you're
(19:03):
18, we're going to close thissavings account and you're going
to take this money and you'regoing to start your first policy
with it. And back at that time,luckily, I had good parents that
taught me the value of thedollar, how to pay myself first.
And so when I was working myshifts, and I would collect my
tip money at the end of thenight, and I'll add, that's why
(19:25):
I love Cracker Barrel, becausethere was no tip sharing. And
every night you would close out,and you get paid in cash every
single night. And I would besaving up about $100 a week. So
100 a week, 400 a month. Hesays, this is where you're going
to start your first policy at.
It's $400 a month. And backthen, I didn't know everything
(19:48):
that I know now, 'I was like,Okay, Dad, sure, I'll start the
stupid life insurance policy,whatever.' And luckily, though
I'm glad that I did, because youcan't ever take back the time.
Time is the only resource wecan't get back. And that's just
what we're doing, is I'mutilizing the compounding, the
uninterrupted compounding, so myfirst policy that I started,
(20:12):
that policy, is always going tobe more efficient and better
than the policies that I'mstarting today, tomorrow and
into the future because of thatcompounding clock of where I
started at 18 years old. So fromstarting up first policy and
then really being deep in thisbusiness with my father, that's
(20:33):
where I started to learn moreand more about how money works,
taxes, government intervention,the markets, right? I mean,
personally, I have no money inthe markets. I have no money in
qualified plans, 401(k)s, IRAs,anything like that, because I
want to control the environmentof where I leave that hard
(20:53):
earned money at. And that's whywe do love real estate so much,
because we can really controlthe risk of what we're taking
with that money. But I think Ianswer your question, but that's
kind of where it started at.
Craig Evans (21:05):
You did, you did so, so one of the things that's
interesting you talk about, youtalk about the system you teach
as a way to embrace strategicdebt for generational wealth.
Can you share a little bit aboutwhat you mean by that, and how
you're doing that?
Hannah Kesler (21:20):
Yeah, yeah. And it'll even, because we got over
17,000 clients in every singlestate of the country. But I'm
gonna use like, Dad's example,for instance, because when he
was a chiropractor, he had allof this debt, you know, he had
five clinics in the Kansas Cityarea. He had, he's an aviation
enthusiast, he's a pilot. He hadto have his own airplane. He had
(21:42):
a house on the Lake of theOzarks. That's where we spend a
lot of our summer months at. Andif you have a house on the Lake
of the Ozarks, you gotta have aboat and a wave runner.
Craig Evans (21:51):
You have to.
Hannah Kesler (21:52):
Yes. And it didn't take him a lot to rack up
all of that, a million dollarsof debt. And so what we did
first. And this is what Iencourage for everybody, is if
you have any of those bad debts,because, as we know, as real
estate investors, all debt isnot bad debt, but if I have that
bad debt, that's what I want tostart shifting the control on
(22:15):
first. So he utilized hispolicies to go and pay off the
car people, the credit cardpeople, the boat loan people,
get them paid off. And then whathe did is, and this is where
most people stop, okay, I justpaid off this car loan. Now I
just freed up. Let's call it 500bucks a month. Now I can treat
(22:38):
that $500 like it's freespending money now, and it's
like, no, no, no. Now what Iwant to do is I want to shift
that 500 a month I was sendingto the car people. Now I'm just
going to pivot that, and I'mgoing to start paying myself
back into my policy that $500 amonth, because now I'm in
(22:58):
control, because before that,the banker was in control of
that transaction. If I didn'tpay that car payment, or, I
should say, Pops, if he didn'tpay that car payment, no matter
what's going on in your life,they're going to come and tow
that car right off of yourdriveway, no if ands or buts.
But now I shifted that controlback to myself, because policy
(23:21):
loans are not required to getpaid back. I want you to pay
them back. Treat your money justhow you treat the bank's money.
Play on his banker withyourself. But it's not a
requirement, because if I comeinto some downtime, if I have a
death in the family or reallife, example, there's one time
my microwave and my refrigeratorwent out in the same week, and I
(23:43):
was like, well, crap. I got togo buy new appliances. I can't
pay myself back this month. It'sokay, because Hannah's not going
to call Hannah up on the phoneand say, Hey, Hannah, where's
your loan payment this month,right? Because I'm in control of
the transaction.
Craig Evans (23:57):
Can you use this system in any situation you know
any purchases that you'relooking at, can you use it in
anything?
Hannah Kesler (24:04):
Yeah, anything.
Go buy a pack of chewing gumdown at the convenience store
with your policy money if youreally wanted to. Anything and
everything. Doesn't matter whatit is.
Craig Evans (24:13):
You've talked you've talked about family a lot
in this and being one of themajor reasons you love the
system. I've heard the thingsthat you're talking about with
your dad teaching you and thattype of stuff. What does family
mean to you,though?
Hannah Kesler (24:31):
I'll say this too. I've gotten a deeper
appreciation as I've gottenolder as well, because there's
been times when I was goingthrough my struggles. There was
two years where mom, dad, mybrothers and I, we did not talk
at all, and I think I justreally had to go and hit my rock
bottom to figure it out and say,'All right, I need to come back
(24:53):
home.' And that's when I startedeven building my relationship
back up with God again, becauseI grew up Catholic. And then.
From then, you know, I was justkind of going off the rails and
saying, Well, I was kind ofquestioning everything, do I
really believe in this, or do Ijust believe in it? Because it
was not thrown upon me, but lackof better words when I was a
young child, right? So to me, Ithink family is just very, very
(25:17):
important, and it's not so much.
It has to be your blood family,because I know some people don't
have that within their lives,but it's a support system. I
think it's the support that youhave from those individuals that
you just need to have withinyour life. I think that's the
coolest thing about this humanexperience that we have, is the
support and the love that we canshare, receive and give to one
(25:39):
another.
Craig Evans (25:42):
Well, and that's I'm not trying to get away from
what we're talking about thebooks and business and what
you're teaching and what you do,but, I think that's as I kept
hearing you talk about that withyour dad, with your family,
that's one of the things I wantto hit on, because so many of
our listeners, I mean, I'm a dadof two, you know, I've got a 16
year old and a 19 year old, and,and, and I want people to
(26:03):
remember that their community,your family, the community, the
people you surround yourselfwith now, right? I mean, and I
think that's such a key that youkeep going back, yeah, I get it.
Your dad, you know, using a 17,18, year old, your dad was
quote, unquote, "forcing" someof that on you to say, all
right, Hannah, you are going tolearn how to be responsible as
(26:26):
adult, right? I mean, that's hisjob as a dad, right? You may not
have got it then, but that's hisjob, but, but I love the fact
that now you as 25 are seeingthat, hey, this culture, and
like you say, maybe it's notjust immediate family, but the
culture of this community aroundyou is an important fact, and
that's especially for peoplethat are listening when they're
(26:48):
just starting and investing or,you know, having those people
around you matters, you know, sowell. So let's go. But I mean,
like I said, I wasn't trying todive off, but I just wanted, I
wanted to press into what thatwas for you, you know.
Hannah Kesler (27:02):
Yes, and Craig, I'll even add this because I
know, it's a line that we'veheard before, but seriously, and
I've learned this in my own lifefrom my struggles. Dad has
always taught me, you become theaverage of the top five people
you hang around with. And I'mtelling you, it is so, so true,
no matter how maybe cheesy ormainstream that sounds. I mean,
(27:26):
I'm telling y'all it is so damntrue. Again, pardon of my
French.
Craig Evans (27:30):
All right, guys, that's going to do it this week
for our time with HannahKessler. Make sure and join us
next week for part two. See yousoon
Narrator (27:37):
For more information on hard money loans, trust deed
investing, and upcoming eventswith The Norris group. Check out
thenorrisgroup.com. For moreinformation on passive investing
through the DBL Capital RealEstate Investment Fund, please
visit dblapital.com.
Joey Romero (27:58):
The Norris Group originates and services loans in
California and Florida underCalifornia DRE license 01219911.
Florida mortgage lender license1577 and NMLS license 1623669.
For more information on hardmoney lending go to
thenorrisgroup.com and click thehard money tab.
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