Real Estate Investor & Coach Jay Maranan

Real Estate Investor & Coach Jay Maranan is sharing his incredible story with us on today's show. From gun fire in Visitacion Valley, to owning multiple investment properties in multiple states, Jay shares the story of his journey, and how you can do it too.

Episode Transcript

(00:00):
Sonic Caast time as you girl Sognawas up and I got my guy Jay
in here. Yes, yes,pronounce your last name for me again,
Moran. I wanted to make sureI got it right because I always say
Moran and I forget the N NN N and the extra am right from
Viz Valley here in the city whereyou know the Bay Area obviously, and

(00:20):
you know, somehow, some waycreated this empire, like I give it
to him, and I know there'speople surrounding him that have more, but
he's working to that point, right, and his improperty investment strategy and the
people that are surrounding him, whichyou know you then saying goes, you
surround yourself with good people, you'regonna do good things. Gotta build that

(00:40):
team, right. But he startedon his own. And when I went
to a recent like what would youcall it, like just a showcase like
a panel, it was. Itwas a it was a master of real
estate mastermind meet up. Yeah.So I went to this thing and while
everybody was talking, and everybody's storywas different and unique as to how they
got invested. They got involved inreal estate investment, right. But Jay's

(01:03):
story like as soon as he saidhe was from Vince Valley. I was
like, that's my guy, right, that's my guy. But the story
like you started doing it on yourown though, with your own property first
yep, yeah, dred percent.Yeah, so I got a property twenty
fifteen, I bought my family's house. So like prior to this, I
had went to the military. Ohno, yes, I went to the
military. Did my thing. Iwas just going down the wrong path.

(01:27):
I was. You know, Igrew up in I know, the neighborhood,
well Man Storry. So what happenedto get arrested a couple of times?
Man? Did? I did getarrested one time. I don't really
share this as much, but youknow we're here talking about it. Right.
So I got in some trouble.I had got like my credit was
shot. I couldn't drive because Icouldn't. I had too many points like

(01:48):
I was just doing too much,you know that that mind frame of you
know, just like the hood andthe turf and things like that. I
was just out. I was outsideall the time, so I couldn't I
couldn't get I had to get insureurance. To get insurance. For me to
get insured, I had it waslike three grand to get insured. So
I was like, Okay, thatwasn't working. And then I got in

(02:09):
trouble and then I was like goingthrough this whole process, and then you
know, I was just like Ihad like an epiphany. There's a couple
of things that happened. But Istarted to see, like what was happening.
Some of my friends were just startingto mess with some harder getting in
too deep. Yeah, getting gettingin too deep. And then my dad

(02:30):
he was always telling me like,hey man, why don't you join the
military because he was seeing what Iwas doing and I wasn't disciplined. Yeah,
I wasn't doing much right. Yeah, And then you know, I
was like okay, and then hejust kept telling me about it, and
then he was one day he wasjust like, you know, Jay,
I don't want to die with tearsin my eyes knowing my son didn't do
anything with his life, right,So then that I'll do it. Yeah.

(02:52):
So when he said that, Iwas like, and he kept telling
me like joining the military. Iwas like, let me just try this.
Try, let me try a coupleof things. And what I was
doing, I didn't really know whatI was doing really yet, Like you
know, I was just trying tofigure it out. So I was,
you know, I came to apoint where like me and my homies were
like really into the music heavy,right, We're doing music heavy, and

(03:13):
we just had like a lot ofinternal conflicts. And then I was just
like, you know what, I'mI'm out of here, Like I'm just
I'm gonna do I don't want todeal with this. It's hard for me
to get a job. I can'tdrive, so I'm like, it was
just it wasn't working for me.So then I was like, I'm gonna
just do what my dad asked meto do. And and you know,

(03:35):
because I wanted him, I wantedto make him proud, like I didn't
want him to feel like how wefelt. We didn't really have a like
a cohesive type of relationship, mainlybecause he was gone working, like he
was out like like physically present.He wasn't there. And this was like
pre FaceTime and all that stuff.So it'd be like he would just call
a how you doing, blah blahblah, five minutes, all right,

(03:55):
give the phone to your mom.So I didn't have from like nine to
maybe like seventeen ish, he wasn'tthere physically, you know, so I
didn't have that guidance. My brotherhad ran away, So I was just
like, you know, street lightscome on, be inside, Yeah,
that kind of thing, right,you know, there's whatever is in the
free refrigerator, throw it in themicrowaves, don't open the door, right,

(04:19):
So that's kind of how I grewup. But I would be outside
right with everybody else. And thenso yeah, so anyways, I ended
up going to the military, andyou know, that straightened me up in
a lot of different ways. Thatwas a whole like, that's a whole
story all on its own. Itwas like some of the best times and

(04:40):
some of the worst times in mylife. But I got to travel.
I met some really solid, solidpeople in during my time. It was
right around wartime, so I waslike, I'm gonna go, I'm gonna
go do my thing and get out. And what happened was September eleventh happened.
Oh wow, So they sent usout to the golf. We was
out there for you and a halfmonths. But yeah, my idea of

(05:02):
the military was not what it waswhen I was in. It was just
completely like they you know, theymake it seem a lot nicer get in
there. You imagine there's a lotof people, like from the hoods,
from all over, from like Chicago, from New York, l A,
a lot of gang by, alot of gang activities happening. So you're

(05:25):
like, wow, you're out there, folks cripping in blood and walsa.
I'll serve in our country. Yeah, they would. We would hit ports
and people would get outside and startbanging on each other. It was crazy.
Yep, it was crazy crazy.But yeah, so it's kind of
like you got to stay on yourtoes. And I was getting a lot
of I was getting a lot offlak because I'm from San Francisco and the

(05:46):
stereotypical idea of San Francisco at thetime. They would try to like you're
gay. Yeah, yeah, whereyou're from San Francisco? Oh you know,
and I'm like yeah, you know, like and then so I would
like stand my ground, like,oh where you from Compton, Oh,
Compton over all those you know,and yeah, what you're trying to say,
And then it would be like that. So I had always had to

(06:10):
you know what I mean myself,right, So so it was like that
whole situation. Anyways, you know, like I got I got past that,
got out, and then the transitionfrom a military back to civilian was
a whole that's the whole thing.Yeah, right, So like I felt
like I'd have the support, theguidance. Like I remember the day I

(06:32):
got separated, I stepped outside andI thought to myself, I don't know,
I don't even know what to do. I don't even know how to
I don't even know what to doright now. So then I just started
getting like odd jobs and then justwork my way up right, just you
know, That's that's one thing thatI think people from urban areas, right,
if they can get it right,is there's this grind that you can't

(06:56):
match. You know what I mean, if you focus and you want something,
you're just gonna go after it.So that was just me, right
and then figuring it out and thenyou know, yeah, to fast forward
to where I'm at now, whichis it's crazy, it's a blessing,
you know, crazy successful d Yeah. But like when I talked to Jay,
we met the first time because afterwhen I met you at that panel

(07:16):
discussion, you know, you seewhen you have like commonalities with someone,
right, and I was like,we're going to vibe better cause he's going
to understand where I'm kind of comingfrom and I'll understand him right. And
the process. The other people weredope too. No diss to them.
I mean, it's a great organizationover there. They got going on was
in but you know, we choppedit up. And then one day I
hit him up. I was like, hey, can we go get lunch

(07:38):
because I had questions, you know, about how he started with this property
investment or whatever. And the firstthing you told me to do was like,
hey, you got a garage,flip that shit into an ADU.
Because that's what I did. Yeah. Yeah, so you built it what
was it two or no? Threebelow your home? Yeah, so it's
three total. So what I didwas I had a single family home and

(08:00):
then I saved. Like this wholetime, like I was trying to figure
it out. And what was happeningwas like I had a property. The
rates were coming down, and thiswas like I I was figuring it out.
I didn't really I didn't know,you know, So like I started
getting these letters rates were dropping refinancialhouse, and I was like, okay,
I don't know what that what thatmeant. I just started calling all
the letters, right, Okay,what does this mean? And that's when

(08:24):
they're like, okay, what Iknow now is back then, what I
was trying to figure out was like, the the balance of your mortgage and
the value of your house, that'syour equity. Right. So they were
like, okay, since the ratesare coming down your values at this you
can pull cash out. Yeah,And I was like, okay, how
much can I pull out if Ileave my mortgage payments the same? They're

(08:46):
like fifty grand. I was like, I'll take it. So then I
took that fifty and then I thehouse needed a lot of work, right,
So then I flipped. I upgradedthe bathroom, put some recess lighting,
you know, just kind of didsome things like that and not really
knowing that that was bringing the valueup, right, So then I did

(09:07):
that. I waited a while,the rates dropped again, pulled more equity
out, and then I did thekitchen, and then that plus my savings,
I flipped the downstairs in the twobecause there's a two story house.
Yeah, I flipped the downstairs inthe two studio units, okay, and
I rented one out. I rentedboth of them out, and then that's
when when it hit me like Ijust pulled cash out twice twice tax free,

(09:31):
right, and now a mortgage freebecause I got two tenants in right
mortgage. And then that's kind ofwhere like things just started and he didn't
increase his mortgage payment at all.So I think that's a worry with people.
I mean, right now, youknow, depending on where you're at,
it probably would have to change becausethe rates have changed so much,
even though they're on the down,you know, tick a little bit.

(09:54):
But yeah, just a perfect time, dude. It was like a perfect
storm for him to jump off.And let me show you the pictures.
I'm gonna look for him because Iknow you sent them to me. Hold
on, let me go to thething. I just want you guys to
see what he started with. Letme see if I can how that looked
on the bottom, right, Yeah, and then what it turned into bathroom

(10:16):
inside the studio there you go,kitchen and living space. Oh yeah,
you know what I'm saying. Andhow much did this slip cost you?
I put at both for both asone hundred. That was all my saving.
Yeah, and I was like Ididn't know if I was ever going
to get it back right until youmove people in there, right, you

(10:37):
were like boom, putting in thework. Yeah, it was a proof
of concept, and I was like, okay, there's something here. Let
me let me continue to continue tofigure this out because I know people are
doing well with real estate. Sothat's kind of where it started to click
and I got more intentional. Likeall all that stuff that led up into
that point, I was just kindof winging it, you know what I

(11:00):
mean. And then you figured itout though, and you were confident in
yourself yep, one hundred percent.There's a couple of things that happened in
my life, and like one ofthem was when my mom passed away and
I started to realize like, Okay, things are going to come to an
end someday. Let me just dowhat I need to do to the best,
like I can't feel like at thatpoint, I had made up my

(11:22):
mind. I got to figure outhow I can do this with real estate.
That was like a path for me. And I can't feel comfortable if
I don't try my best, right, So I was like, okay,
if if I if I fail,I'll be okay with that because I know
I tried my best. But ifI don't try it all, I can't.

(11:43):
I won't be okay with that.So that's kind of how my mindset
was at that time, just tryingto figure it out. And then yeah,
so that was it right there.And to be honest, like you
know, transparent, I was scaredas hell. Every move that I made,
I was scared. That's what youtake big steps, dude, there's
a fear factor in there, becausefear of failure is huge, especially when

(12:05):
you're talking about putting so much moneyinto it. Yeah. Yeah, that
was like my life, my lifesavings at that time, and I didn't
know if it was gonna work,but I know I knew at the time,
like if I didn't do that,nothing would change for sure, Right,
So that was kind of like mymy fork in the road, like
I could do nothing and nothing wouldchange, or I could give this a

(12:26):
stab and see how it goes rightand then I'll be be being okay with
the outcome whatever which way it wentright. So that's kind of that was
my start, and that was likeone of the biggest pivotal moments of my
career, now, you know whatI mean. So because you looking at
your family and your kids and you'relike, brou am, I putting all

(12:48):
this on the line, and Igot them to watch after my mom's whatever,
X, Y and Z. Butyou got to take that leap.
And I think, you know,he started on by himself, but now
like he's surrounded by people who dothis, so it's crazy. And then
I remember you telling me you hada life situation where shots rang out by
your crib and you were like,Yo, we need to go get another

(13:09):
house somewhere else. So then thatproperty, not only bottom but top right
became an investment property. And thenyou got another home right, And then
I don't know if you're still inthat one or not, but or you
moved to another. Yeah. See, so owning property across the Bay Area,
especially right now is crazy. Andthen shoot, you know, just

(13:31):
recently, if what's your IG again, you want to tell people? Yeah,
yeah, j Dot invests on IG. Yeah. So he just partnered
with one of the people that Iwas talking about. Zen University is a
program that teaches you how to doproperty investment with one of the owners of
that And they just bought a bigold apartment complex in Texas, right yep,

(13:52):
Texas yup. Shoutouts to Zencoast University, Calvin, one of my partners.
We just knocked down a one hundredfifty ye it in Garland, Texas.
Yeah, breakout, the Breakout,the silverl War. Yeah. Yeah,
crazy, Like it's crazy how thisthing works, you know. Like

(14:13):
yeah, So like after that wholesituation, I was like, Okay,
cool, a mortgage free. Letme try to figure this out. And
by that time I was doing likeI was just listening to a bunch of
podcasts, audio books, everything Icould just consume, you know what I
mean to kind of accelerate my educationknowledge. Right, And then COVID happened,

(14:37):
right, But by this time,I was already positioning myself, like
putting my money up, paying downdebt, just preparing myself for the next
move. And then COVID hit andthat's when like a lot of buyers backed
out, a lot of people werescared, and I kept hearing this quote
in my head. It was awarm Buffett quote. When people are greedy,
be fearful, and when people arefearful, be greedy. And that's

(14:58):
when I was like, okay,everybody was backing out. I was like,
this is the time in right,So then I was lined up and
I was like, Okay, Ineed to find find a property. And
then I was working with my relatoryat the time, who's also uh who
one of my mentors, Jenny fromZenkos. I was like, hey,
what happened? What you were talkingabout signings? So like before that,

(15:22):
I was uh. So we wereat the house in Viz and it was
like I had just finished reading abook to my son. Shout out to
Jack, You're gonna hear this oneday. Yeah. So I was reading
a book to my son Jack andthen uh, we fell asleep and then

(15:43):
I woke up to gunshots right hewas hood and then I was like,
I sat up and I was like, damn, he was good. He
was good. I went into theinto the room, checked on my wife
and my daughter. Y'all good,and I went I went outside and then
I was like looking out the windowto see what's happening. And then soon

(16:03):
after the police came. I checkedmy cameras. They were at an angle
where I couldn't catch it, butit was like right in front of my
house, right, So then theshellcasings were all like it was a crime
scene in front of my house.So all the shellcasings were underneath my wife's
car, and then I was likeyeah. I was like, you know
what if one of these if oneof these things flew through the window,

(16:23):
I hit me or the kids,I would be sick. I don't know
how I would be able to forI don't know how i'd be able to
move on. Right. So Iwas like at that moment, I was
like, the first opportunity, I'mout of here, right. I love
the neighborhood that made me, youknow what I mean, But at that
point, it was like my family, my kid's safety because I had a

(16:45):
lot of people coming over and hangingout. Right, if something happens,
like I'm responsible. So I waslike, okay, first opportunity, I'm
out. And then that's when Ihit Jenny. I was like, hey,
I got to get out of here, right. I need to find
something asap. And this was likeright COVID time, so it's like perfect
timing, right, A lot ofpeople were buying. I don't know if
that was like divine intervention or whatwas happening, but I was just I

(17:07):
was ready to do whatever whatever ittook to get out of there and just
take my family somewhere else, right. So then that happened, and then
yeah, I was just I wasI was focused. I was like,
okay, I need I need toget out of here. And then I
just started taking those necessary steps toget to a better neighborhood. And then
that's when we got a house inSouth San Francisco. Yeah right, right,

(17:30):
So COVID happened like March twenty twentyMarch. I put in my offer,
April you was on it. Yeah, out. I mean, you
know, showcasings under. They wereprobably using her car as a shield probably.
I'm surprised she didn't have any holesin her car, you know,
because it just you know, firingback and forth in the hood. That's

(17:52):
a daily occurrence. Yeah, that'senough to do it. Yeah yeah,
I was just done, like can. A lot of people can't, so
they're still there. Yeah that is. It's the mindset thing too. Right
before before I had my wife andbefore I had the kids, I was
like, I'm gonna stay here.We're good because it's just you Yeah,
like you know, yeah, I'mgood, you know. But then you
know, when I started thinking aboutmy seeds and just the people around me,

(18:15):
I'm like, it's not really thatsafe. So I had to I
had to move and then yeah,then I got my next one. I
was scared for that every move,right, I got my next one that
was like the most expensive property Ibought at that time, like a million
dollars. I was like, Idon't know how I'm going to go and
pay this comfortably. And then mykids tuition, like we were committed to
like good educations right like before this, I was like, oh, they're

(18:37):
just going to go the route thatI took. And then my wife was
like, aste, absolutely not.And then you know, so I started,
you know, but I did seelike when we put them in the
daycare and these other types of highereducation, I could see the development and
I was like, Okay, I'msold. And then so I was like,
I don't know how I'm gonna doit with the kids tuition and now

(19:00):
this new it was like fifty sevenhundred bucks from mortgage at the time,
I had a three point five percentrate. Yeah, I put almost everything
I had, you know, andthen that was so that was the second
time came out of everything, youknow, almost all my savings. And
then I was like, I don'tknow how gonna get it back. Figure
it out though, figure it outright, But my priority was get out
of there. So that was that. So then it was like I had

(19:22):
a three point five rate fifty sevenhundred bucks that was not including utilities or
any of that furniture. The housewas needed, a bunch of work.
Plumbing wasn't working, floors were missing, no electrical I had the I had
contractors start working. I didn't havethe money. And then the week after

(19:42):
we closed, our car got stolen. Oh my god. It was all
coming down. At the same time, I was like I was stressed out.
I was working and I was likeI was losing sleep. I was
like I was stressed out because Iwas like, this payment's going to hit,
Like I don't know how I'm gonnado it. And then my friend

(20:03):
Jenny, who's doing this this,she was like, I'm gonna start this.
I want to start this, thisthis real estate program, and I
want you to be a part ofit. And I was like, shit,
you know, let's go. Atthe time, I was like,
damn, my car just got stolen, Construction work started. I don't even
have the funds for that right,mortgage hasn't hit yet, kids are going
to school. I was I waslike, let me let me think about

(20:26):
it because it cost it some money, right, And I was like,
let me think about it. AndI took a week, and my thought
process was like, Okay, ifif I could go to all vacation Disneyland
or Hawaii or something, spend acouple of thousand, no question. But
when I when I want to investin something for myself to educate myself and
gain some knowledge and grow my network, why am I struggling? Why am

(20:49):
I Why is it so hard forme to think right? And I was
like, I'm at the end ofthat time, I was like, okay.
My thought process was like, youknow, all athletes have coaches and
mentors. Even though they're at theirpeak, they still have people around them
making them better. And I waslike, how come I am not thinking

(21:10):
like that. Why wouldn't I needa coach? I was like, okay,
I'm a bet on myself. SoI was like here, yeah,
suck it. And then, andthis is right around the time I started
the journal, I was going,you know, I was like, I
was trying to deal with my traumas. Yeah, you know what I mean.
And this was right around the timewhen I'm like starting to open up
and be okay with not being okayor like seeking help and not feeling like

(21:36):
I'm crazy, you know. SoI was like, let me start.
And then some of the tools thatI was getting from, you know,
like some of the professionals I wastalking about, I was like, start
journaling because your mind. My mindwas all over the place. I was
not getting sleep because when I laydown, my mind wouldn't turn off.
So they were like, try journaling. So twenty I think it was twenty

(21:56):
twenty one is when that program started. I wrote in there a million dollars
net worth, buy a non ofstate property, and buy a multifamily property,
right, And I didn't know howit was going to hit any of
those I just wrote it down becauseyeah. And then in six months that

(22:17):
property of that bought. When Idid the construction, it's the value shot
up six hundred grand. So thattook me over triple. Now, it
took me over a one m right, And then I was like, okay,
cool. Then I that was withthat program, and I was like
I'm going I'm in right, Andthen I was like just fuck connecting with

(22:37):
everybody, learning as much as possible, applying myself, doing my research all
you know, we'll be on acall. When I get off, I'm
just grinding, you know, liketrying to figure out, like okay,
contact this person. I'm just movingbecause I need to get to where I
need to be. And then Iended up buying a property in San Antonio,
right, And then yeah, soit's funny how that worked, and

(23:00):
this is the power of a network. Right. So, like I had
met somebody at a retreat and thencame back Sunday Monday, the bank calls
me because we're supposed to close thatFriday. The bank calls me and says,
we can't lend you the funds forthat house. So because it's uninhabitable
or a praiser didn't want to didn'twant to praise the property, didn't want

(23:23):
to go in. I didn't wantto go in. And there's tenants,
I mean, there's people living there. Yeah, so I'm like okay.
So I'm like, oh, youknow, well he's not there, so
he depends on this network of peoplethat he uses another state to do all
the work because he probably will walkin that thing, but he can't to
praise it either. You have tohave a license for that. So then

(23:44):
I was like, damn. SoI put it out to my network because
I needed to figure out how toget some money for it. Yeah,
so I put it out to mynetwork in my community. I was like,
hey, because I was either goingto pay somebody to borrow money,
but I'd rather pay somebody I knowright or somebody in the family. And
I was like, I got thisopportunity ten percent return. You know,
here's the numbers. Anybody interested.I got hit, jumped on a call

(24:07):
Wednesday, agreed on some terms andsome financeing, some financing terms, and
Thursday signed a contract, sent throughout. The contract, came came back Friday
morning, she wired me the fundsto buy the house and to rehabit bo
and then Friday that Friday, Iwired it to escrow and closed. And
that's just through relationships, right,So I wasn't even out of pocket on

(24:29):
that. And then I got thatproperty. It was a full gut rehab
never been to San Antonio. Wouldyou buy it for? I bought it
for one six out of state propertybut it needed all the work though,
And how much is it worth now? It's worth like yep. So yeah,
so that was like my first outof state and then and then through

(24:52):
my relationships there. There was athirty six unit that popped up in Alabama
and that was part of my goalsthat I wrote down all to unit and
I was like, Okay, Iwant to get in because I want to
understand how this works. So thenI put my money up for that and
boom, I was in and nownow I had Like it just basically accelerated
my my my goals and my knowledgeright because I wanted to get to where

(25:15):
I want to go. So that'sjust how I move, right, Like
figure it out as much as possibleand just and just go. I mean,
you know, you got to lookat the downside and the risk,
but by you know, my knowledgeright now is you know, I know
solid. Yeah, it's solid,right. I Mean there's of course things
I don't know, but you know, learn every day. You got to
figure it out. Yeah, andthings are going to pop up. That's

(25:37):
one of the things they talked aboutat the panel, Like everybody had a
story about, you know, theirout of state properties because all of them
own something out of state. It'sjust way cheaper, right, and you
know, unfortunately a lot of thesepeople in these areas they don't know that
they can own so they rather justrent for whatever reason. And you're like,
hey, check this out, soI know why I can own.
Let me go out there and buyit up. You could rent for me.

(26:00):
Okay, everybody's happy, right,but things will happen. The pipes
will bust, the roof falls in, you know, whatever, something happened,
and you're not there to handle itbecause it's you know, it's your
property, it's your investment. Butyou build this network of people, just
like he's talking about, your goto realtor realtor in Idaho or Texas or
whatever, your property manager in Texasor wherever the case may be. And

(26:25):
those people come to you and youguys figure it out as a group.
But you just have to be ableto build that and get with the right
people. So yeah, yep.And then yeah, so I just kind
of just you know, parlayed thatand just kind of kept moving. So
yeah, because Calvin and them ownedhow many doors a lot, like four
hundred or more. Yeah, anddoors has been you know, apartment doors

(26:49):
whatever, home doors like, it'scalled doors a game and their goal his
wife wants to own a spall andI think they're doing that, huh,
didn't I just see some I'm about. Yeah, a wellness center. Well
they went to a retreat. Sothat property in Hawaii is uh it's called
Lotus Rising. But a couple ofthe folks in the community, you know,

(27:11):
came together bought a property in Hawaii, turned it into a wellness center
and we were just out there liketwo weeks ago. Yeah. It was
like a lot of like inner work, inner healing that you know, shout
out to Michelle and m d thoseare my people's Yeah, you know,
they're they're about like healing, youknow, all the stuff that we don't
talk about, like the mental healthand all that stuff. The trauma wasn't
getting past that. So we wentout there did some sound bowl healing,

(27:34):
like a lot of deep work,and it was good. You know,
it was a good experience. Likesometimes you just we're so busy with the
grind every day every day, notstop. Sometimes it's good to disconnect and
just kind of feed nourish yourself.Right you come back and say, okay,
let me refocus and get after thatback to it. Yeah, yeah,
because I think they had they wantto own their own island and they're

(27:56):
on their way though, because likeyou know, when one of them and
it's great to have a partnership likethat. You know, husband and wife
obviously ideal. You know, whateverpart whoever you partner with it, he's
a part of their organization as well. I remember Calvin saying, you want
that island or not, or youwant that wellness center or not. You'd
be like, you're right, letme get on the phone, let me
get on the computer or whatever,because you're pushing each other for this goal

(28:18):
and at one point you'll be ableto just sit and chill. Your kids
will be good. Your kids kidswill be good. But you just again
to his point about being scared.That's how you know you're doing something right
that probably is gonna level you up. Yeah, there's gonna be failure sometimes
depending Like again, if you don'thave the network and you try to do
it by yourself, you don't havelike honest people around you, possibility is

(28:41):
there. But you got to makesure all those ducks in are in a
row before you move. And you'restill gonna be scared. But you either
be scared and you level up,or you be cool and chilling and whatever
hanging out and you stay stuck inthe same spot. Everybody wants that dream.
Everybody wants to own property. There'speople that just want to even buy

(29:02):
their first home right now. Andbelieve me in this real estate stuff that
I do now, Like I haveconversations I'm scared, I'm scared. I
was like, I know you're scared, but you're also paying thirty three hundred
dollars in rent. You're paying somebodyelse's mortgage right now. They were scared
when they bought that house. You'llbe scared when you buy your house,
but you'll feel so much better whenyou're on the other side of that rainbow

(29:25):
and you're just like, damn,I did that shit, period, because
we can all I feel like it'scrippling when we find ourselves running into complacency,
and it's an easy way for usto sit there and say, yay,
I'm swimming. You don't see meswimming. All you doing is tread
and water fool. You ain't goingnowhere, And we get stuck so much
in that day to day grind whereit goes right over our heads seeing like,

(29:45):
hey, bruh, you know youhave all the tools to swim,
right Why are you just sitting heretreading? Why don't you get to moving?
You know, and I think alot of times stories like yours,
coming from where you came from,you know, having the opportunities and the
difficulties that you have while doing it, that honestly can give a lot of
people some insight and also some motivationso that they can start swimming. Bro,

(30:06):
you got me ready to start tryingto get my damn for you know
what, let me let me makea deposit on my uptel code character.
There's so much more we could talkabout because he was putting me onto helocks
and all kinds of other things thathe has so much knowledge about. But
also Zen University has all that informationtoo, so you just got to look
into it. Follow them all onig and follow the success stories, dude,

(30:27):
and when you get interested to thepoint I mean DM my guy,
Jay's a good dude. So youknow, if you want to, you
know, communicate with him, he'sprobably open to a short conversation because you're
so busy, like you're crazy everyday. So it's like, you know,
yeah, there's game to be learnedand there's a process to it,
and there's people available to you.But if you don't ask questions, you're

(30:48):
gonna sit there paying somebody else's mortgage, or still just paying your mortgage on
your home when you probably have ashit ton of equity that you're sitting on.
Maybe the interest rates aren't right fora move right now, but they
will be again at some point,and that's going to be the time that
you need to move. And that'sthe exact trifecta that happened to him when
he jumped off this whole journey.So you just have to be ready for

(31:11):
it, and your mind has tobe ready for it so you can just
jump period. And the basis ofit is started making those preparations now,
not when the not when those numbersfinally drop, and then trying to scramble
to do it and be like,oh should I do it? Should I
not do it? You should doit, right, I mean, you
know, just if it's right foryou. But you got to figure that

(31:33):
out now. Hopefully you have somesupport too. But yeah, man,
Jay, I don't know. Youwant to tell people anything else before we
get out of here? Yeah?Yeah, follow me on I g J
dot invest I am a coach,a real estate coach with Zencoachuniversity dot com.
Yeah, and we just want touplift everybody you know. And one
thing too, is that a couplea couple of things. Right, If

(31:55):
if you focus on your goals andyou you know, you're intentional with how
you spend your time, as longas you're one percent better you know,
today than you were yesterday, youknow that's progress. Right, So you
know, have some grace on yourselfand you know, just kind of you
just got to surround yourself with theright people right that inspire you, and

(32:17):
you got to take take chances toask questions. Right. The answer is
always going to be no for aquestion you don't ask, very true.
I was trying to look up becauseI know Jen had a seminar but it
was yesterday. Yeah, for homebuying, which jope. But they have
it all the time. So ifyou follow Zincas University too on IG you'll
see that they have people just likeyou know, Jay, that are over

(32:38):
there talking about your options and basicallyencouraging you. Because that's all it takes.
People don't even know what they're sittingon right now and they just need
to be encouraged to move forward.That's it. So find the confidence,
you know, and make a move. I'm trying to make the move.
He's got me looking at how Ican flip my garage into the A d

(33:00):
U. I'm like, damn,I just put panels fixed the roof.
Like shit, I'm gonna have topull some money out of the house.
So when that time comes and thoserates flip because I got a low rate,
yeah, I'm gonna figure it out. We're gonna make a move.
Yep. Yeah. So I mean, like if you right now with the
rates dropping or they're supposed to movea little bit, right, there's people

(33:21):
that are waiting right so sure,so if you wait, if you wait
for the rates to drop, youjust got more competition right here if you
if you buy, if you're ina position or work towards buying right now
or sooner, you know, youcould always refin the rates down the line,
but you have a property less competition, right So there's a cycle.

(33:43):
You just got to figure out whatpart of the cycle we're at. And
then I think it's always a goodtime to buy. It always is.
I mean, the when the ratesdip, the property value goes up.
So either way you're gonna pay.But with going in now, you can
refinance and then you'll pay us.Whereas you know they'll get you two hundred
k more when the rates go backdown down, because they'll be like,
oh, check this out. Yeah, the rates are lower, but this

(34:05):
house costs two hundred grand more thanit did when you were first looking at
it. So you just have toagain get the confidence to make a move.
That's it. So thank y'all forlistening to the sonocast. Thank you
Jay for sliding through and trying toput some game out there for the people.
Make sure you lock in with yourfolks every day Monday through Friday,
six to ten am. Over there, one oh six point one cameal every
day to wait, hey, staylocked in, shut off the VIZ Valley

(34:30):
Zone Sonic Cast. Well, how