- Today's show features a little of everything from real estate, insurance, programs to help others.
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Episode Transcript
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Speaker 1 (00:00):
Well, hello, Southeast Texas, Welcome to this beautiful Saturday. I
hope you are enjoying the day. And I'm having a
special day today because my little grandson just turned two.
So now I have two four year olds and a
two year old and we are going to be enjoying
this special afternoon with some bounce house activity and a
(00:21):
lot of other fun. So I hope you have great
plans for your Saturday with me. I have some amazing
guests who are gonna give you information about a lot
of things going on in Southeast Texas, one of which
is a Turkey Day giveaway. You're not gonna want to
miss that. Also, we're going to talk a little bit
about investing in real estate and if you want to
(00:42):
invest but you don't want to have to deal with
property management and what goes along with that, I have
the answer. Shanoah Stark and Kelly Hall with Southeast Texas
Property Management are going to visit with you a little
bit about what they do and how they can take
that over for you. But before we get started, we're
going to talk a little bit about the market. So
(01:02):
what is the market doing well? It is beginning to
pick up a little bit we're seeing an increase in activity,
which we're very thankful for. The last two years have
been a little softer, but actually we're seeing the phone
was ringing again. Part of that, I think is in
part to the interest rate going down a little and
then just people getting a little more comfortable with the
(01:24):
economy that we're in right now. If you're thinking about
buying or selling, you know my office would love to
help you four nine eight six six eight three two six.
One of my team members would be happy to visit
with you and see if now is the right time
for you or not. Before we get started on the
deats of all the information we have, I'd love for
you to kind of get to know the guests a
(01:45):
little bit. So we're going to start with Shanoah Stark.
She is the broker owner of Southeast Texas Property Management.
So Shanoah tell the audience just a little bit about
who you are.
Speaker 2 (01:55):
Hi. I'm ghanoa broker owner of Southeast Texas Property Management
and and I have been a realtor for sixteen years.
I have been married for twenty five years and have
two beautiful children twenty two and nineteen. I open Southeast
Texas Property Management two and a half years ago and
we are loving it. We just you know, the property
(02:18):
management space is really where we fit well and we
do really really well. So I'm super excited about that.
Speaker 1 (02:25):
Yeah, it is a niche that you have to enjoy
number one, Yes, ma'am. And you have to get really
good at you know, there are a lot of people
who try it, and I hate to say they fail
at it, yes, because it takes some pretty specific skills
and tools to do it.
Speaker 2 (02:42):
Yes, ma'am.
Speaker 1 (02:43):
So being in real estate for sixteen years, you were
able to see the gamut of all the things, buying, selling,
all that and then finally found your niche there.
Speaker 2 (02:53):
Yes, ma'am, that's correct. About twenty sixteen is when I
really found the niche in property management.
Speaker 1 (02:58):
And you are correct.
Speaker 2 (02:59):
You either really really love it or you really dislike
it for sure.
Speaker 1 (03:02):
Yeah, it is a different beast. It's just like residential
real estate is completely different than commercial real estate. I
have someone actually on my way over here say hey, Dane,
I have some commercial real estate questions. Can you call me?
And I'm like, no, but I can tell you who
I'll refer you to them. I'm really good at residential
real estate. But I'm going to stay in my little lane.
(03:25):
And same thing with property management. I have people ask
me all the time, Hey, would you be willing to
manage our property? And could I Yes, yes, legally I could.
But let me tell you, I'm not the best at it.
I'm going to refer you to someone else. And so
that's why I have you guys here, because I want
people to know there are people out there and you
are a great place for them to go if they're
(03:47):
interested in property management. And with you is Kelly Hall.
She is your senior property manager. So Kelly, tell a
little bit about you.
Speaker 3 (03:54):
Sure. Yeah, as Dana said, I'm Kelly Hall with Southeast
Texas Property Management. I'm the senior property manager. I have
been in property management for right around ten years. I
am a licensed realtor. I've been licensed for the past
three years. I have one son. His name is Christopher.
He's a three year old fine and property management is
my passion.
Speaker 1 (04:14):
It's not just a job.
Speaker 3 (04:17):
I love it for so many different reasons, which sounds
crazy to a lot of people, but it's my thing,
you know.
Speaker 1 (04:23):
And that's the key is in real estate, finding that
place where you fit, and so a love that you
found the location that fits you and that you're passionate about.
I think if you're not passionate about what you do,
you should go find something that you're passionate about. Exactly.
Speaker 3 (04:39):
It should not be a job. It should be a hobby.
That's well always say.
Speaker 1 (04:43):
It should be something that you feel is your purpose.
You know, our core values in our office. The very
first one is that God has a purpose for each
one of us, and our job is to fulfill that
purpose and whatever that is. When you're fulfilling his purpose,
it does give you joy. Is it joyful all the time? No,
it's not all. I mean, there are challenges and we
(05:06):
do live in this world, but it's finding that purpose.
So I love that. So thank you for joining us.
We're going to get more into that property management in
one of our segments, so you guys stay tuned. Also
with this, we have Trevor Knox, and Trevor, you are
the ministry director for Redemption Church. So tell us a
little bit about you.
Speaker 4 (05:26):
Yeah, I mean Trevor NOTx. I'm born and raised in
Southeast Texas and uh, I'm the ministry director at Redemption Church.
I'm married to one wife, one amazing wife. Have two
pups and our first baby on the way.
Speaker 1 (05:37):
Some supertations. That is so exciting. Now Redemption Church, you guys,
we'll talk more about this later bit. You guys are
expanding like crazy.
Speaker 4 (05:45):
Yes, ma'am. We're in a middle of a new building project,
which has not been stressful at all. Supers, you know,
just all plays out the right way now. It's been
a huge transition for us, but we're really excited. We're
still located in the same place, but we just bought
the whole block. Right, We've purchased the whole block to
have been a big renovation process, and we were finally
about to open our kids wing, which means the church
(06:07):
will be fully open. It's about four times the size
of our original building, so we're super blessed.
Speaker 1 (06:13):
So tell everyone where is that location.
Speaker 4 (06:14):
It's a six oho one Park Street in downtown Beaumont.
Speaker 1 (06:17):
Yeah, and there used to be a law office there
and you guys took over that law office space.
Speaker 4 (06:22):
There's so many things here. Yeah, we've tattoo parlor. I've
seen so many things. Whenever we bought the building, it
was full of the most random stuff with panning beds
and cars and anything you can imagine.
Speaker 1 (06:32):
So now you've taken over the entire space and I'll
love that. Well, we're going to talk more about your
Turkey Day giveaway here shortly, so stay tuned for that
also with us as Arlette Salcedo. She is with First
Financial Bank and you are in the mortgage department, but
you had a lots of different things there. So Arlett,
you have some exciting news since you last visited our
(06:53):
radio show.
Speaker 5 (06:54):
Yeah, I think the last time I was here, I
told you I was expecting well since I had my baby. Yeah,
and he about to be four months old, and I'm
so excited. The challenges are definitely there. I tried going
to the grocery store with them and I couldn't.
Speaker 1 (07:08):
Well, this is he's not your only one.
Speaker 5 (07:09):
No, I have three in total, right, so I have
my ten year old she helped a little bit, my
seven year old, and now my four month old.
Speaker 1 (07:16):
So yeah, definitely, let me just say, HGB delivery and
grocery pickup curbside are the answer.
Speaker 5 (07:24):
Those are usually my life savers. Yes, I just thought
it'd be nice to go out to the grocery store.
Speaker 1 (07:29):
Not wrong, Well, you learn those lessons the hard way sometimes,
But yeah, sometimes an adventure is what you need to
kind of help you get your feet back under you
and go maybe not Okay, Well, we're so excited to
have you here. First Financial Bank has lots of different
new programs and some things that are coming out that
are going to be helpful if you're either looking to
(07:50):
buy your first home or maybe it's not your first home.
Did you know I don't know if you guys out
there know that if you haven't purchased a home in
three years, you can be considered a first time home buyer. Again,
that's pretty amazing. So, whether you're a first time home
buyer or we're also going to talk about investing, there
(08:11):
are ways that you can invest in real estate and
not have to put twenty percent down. So don't go away.
We're going to share all of those tips and secrets
with you today. This is Dana Simmons with the Dana
Simmons Show. Welcome back. This is Dana Simmons and I
am joined today by Trevor Knox. He is the ministry
(08:31):
director at Redemption Church. And while Trevor, Redemption has grown
so much in the last like five years or.
Speaker 4 (08:40):
So, it's crazy.
Speaker 1 (08:41):
Yeah.
Speaker 4 (08:41):
Whenever I first started attending the church. I was twenty eighteen,
so I was not a believer. I was a lifelong atheist,
hated the church, everything to do with it. And then
there is this church plant in a bar so at
the gig if anybody wants to admit that they've been there, Yeah,
we would do church services on Sunday mornings and set up,
tear down. It was the only place so it would
take us. So I started attending that church because my wife,
(09:03):
my girlfriend at the time, started going and her life
changed radically. Finally somehow dragged myself in there and then
they add youth has changed my life. And since then
the church is just I mean, God has just continued
to bless it and it makes no sense to me.
But it doesn't have to.
Speaker 1 (09:18):
It's the two fish and the three loves right now.
That's what he's doing.
Speaker 4 (09:21):
That's right. I'm just blessed to be a part.
Speaker 1 (09:23):
So he's in the middle of it.
Speaker 4 (09:25):
Yeah. Yeah, So we moved down the road and now
we're in this building project. You know, we were in
this our current our last space we were in for
about four years.
Speaker 1 (09:32):
Yeah, and you were having multiple services because you were growing.
Speaker 4 (09:35):
So yes, man, we've had key atting services, so we're
still currently at four services. We still have services eight, nine, thirty, eleven,
and twelve thirty every single Sunday. The prayer is that
the kids Wing will be open first week of December
and that would move us to two services, which I
haven't seen that in about five years. So it's pretty exciting.
I know our teams are excited so much growth.
Speaker 1 (09:54):
And so Trevor, how did you end up going from
an atheist who didn't attend church to now you were
a ministry director?
Speaker 4 (10:02):
Uh? The simple answer is just Jesus. It took a radical,
supernatural uh interaction for me to actually embrace any of this.
You know, I receive prayer one time, one time full
of doubt, and the next day God was speaking clearly
to me and in a way that made sense to me,
and everything changed. So, I mean all the mental struggles,
(10:25):
all the all the all the trauma, all the things
that I'd been holding me back my entire adult life
were just washed away and the only thing that made
sense is that the Lord was leading every step. So
never thought I would be here, Never thought I would
be here. It makes no sense.
Speaker 1 (10:39):
Yeah, your your self ten years ago if you said,
hey self, this is where you're going to be in
ten years. No one said there's.
Speaker 4 (10:47):
No way, No one's fine. Yeah. A lot of my
friends who were with me in my non believing times
are now also saved and they go to church and uh,
they see it all the time, like the radical changes
where they're like, this makes no sense, who is this guy? Yeah,
it's just Jesus.
Speaker 1 (11:02):
Love that testimony, you know, and we all have different testimonies,
and there are those radical changes just like you. And
then there are those changes that took place slowly over
time that was more like me. Absolutely, But the central
focus is that it's what Christ does, and he ministers
to each of us in such a way that it
(11:23):
speaks to us personally. Whatever that takes.
Speaker 4 (11:26):
Yeah, that's how my wife was. It took her a
few months, a few months attending, attending and tending until
it all started to really shape and you could look
back and wait, I'm a completely different person. Yeah.
Speaker 1 (11:35):
It's because he's just a personal God. I mean, he
meets us exactly where we are. Well, what Redemption Church
is amazing and obviously it's growing in such a way
that's beautiful, But you guys are constantly giving back too,
And one of the ways that you're giving back is
on the Turkey Day giveaway. So talk a little bit
about what that is.
Speaker 4 (11:54):
Yeah, I just want to just say how grateful I
am for our congregation. It really is the people that's
a church. It's not about building. It's the people who
call it home that God has drawn there. And our
people are so generous. And every year, starting in twenty nineteen,
we started doing the Turkey Day giveaway. Were gonna we're
gonna hand out one hundred free turkeys to people in need.
So we did this drive through kind of style and
downtown Beaumont, and since then, even through the pandemic, it's
(12:17):
grown and grown and grown to where we were five
hundred turkeys and now this year we get to give
five hundred and fifty. And like I said, before, we
started the church plans, so we were a bunch of
rag tag misfits, no idea what we're doing. This year,
we've finally we're growing up. You know. We actually got
to work with the city instead of causing a lot
of problems and clogging up downtown with the traffic. Because
(12:39):
we're doing our best, but we don't really know how
to coordinate it. We've gotten to coordinate with the city
this year where we're going to have the downtown closed
off and it'll be just for the Turkey Day giveaway,
so people won't have to wait in their cars for
hours where we're running and filling up their tanks for
gas and things like that, doing our best. Yeah. Yeah,
so it's gonna go down November twenty second. We're giving
out five hundred and fifty free turkeys to anybody who
show up. It's first come, first serve. What we've been
(13:02):
doing the past two weeks and then including this Saturdays,
we've been going out into the community, so into uh
just like lower privilege neighborhoods, and we're passing out handouts,
we're knocking on doors, we're praying with people, just spreading
the words, spreading the bird. Yeah, so let them know, like, hey,
be here at November twenty second, six oh one Park
Street at one pm. That's whenever the drive through starts,
and we're gonna be handing out free turkeys. And I
(13:22):
know it's uh with the economy, you know, this is
what you're about to talking about and stuff, how things
the government shut down. It's been really hard on a
lot of families. But uh, I think good things are
coming in that regard and either way, we just we're
happy we get to help. It's it's it's only about that.
It's never been about filling some big marketing event or
anything like that. I'm blessed to be here for a
radio show. I didn't even know it, to be honest, Yeah,
(13:43):
I got I got the m Monday. I'm like, oh, okay,
I have a face for radio. This works never been
about that. It's been about being able to make any
kind of difference, impact, any kind of difference that that
proclaims anym of Jesus, and to let people know they're loved.
And we have so many people throughout the years who
are now faithful members of the church because they were
(14:04):
given to Now they get to get back, you know.
Now they're serving with us. Now they're hanging it out
and it's uh, I'm just honored to be a part
of it. Honestly. It's our people are incredible people.
Speaker 1 (14:13):
We're called to do. Yeah, I mean to serve and
they will know you because of your love and they
get to know Him because of your love. And so
if we could just keep that thought in mind all matters.
Speaker 4 (14:28):
You keep that heart, keep the eyes up.
Speaker 1 (14:30):
So I love that that's what you're doing for the
Thanksgiving holidays, hopefully opening up that children swing the first
week the Christmas has coming, So talk a little bit
about what you guys have for that.
Speaker 4 (14:44):
Yeah, we're super excited. So the kids. We've been waiting
for this kid thing to be open as well, you know,
for so long. And like I said before, I guess,
I guess making you know, building a building is not
as easy as I thought. It's a lot of code.
You know, you got to get things well.
Speaker 1 (14:59):
And it's not even just building. You're taking an old
building that you're remodeling.
Speaker 4 (15:02):
And it's been there a while, that's right, it's a
historical building that we've completely remodeled. And getting everything to
code that's been that's always the difficult things, the things
I don't understand. I have nothing to do with the
building projects, so I just I try not to look
at it, and then go in once every month and
see what the progress is. So I'm surprised and appreciate
it exactly. And so the first week of December it
looks like will be when our kids wing is open.
(15:23):
And then our Christmas services. We're going to do a
series that we do a four week series about the
Advent for four weeks in a row. And it's all
going to lead up to our Christmas Eve service where
we'll have a candlelight traditional candle light service at two
pm and four pm on Christmas Eve. I'm really looking
forward to it. I know our people needed. I know
(15:43):
it's just going to finally feel like, hey, we're home. Yeah,
we're finally home. We can settle down now.
Speaker 1 (15:48):
Yeah, that's wonderful. And that children's swing will be up
in just in time for you to have your first
base and then we listen. It's perfect timing here for you.
Speaker 4 (15:57):
Start that discipleship right away. That's right.
Speaker 3 (15:59):
I love that.
Speaker 1 (16:00):
So when you say the children's wing will be open,
then for you guys, now, children just come into the
service with you.
Speaker 2 (16:06):
What you do.
Speaker 4 (16:08):
So what's supposed to be our office space, what will
be our office space? We're using that as our kids space. Okay,
but we only have enough room for I think if
they just yeah, they just zero to six, okay, right,
So that's it. So we haven't had any any space
for the older kids. So they're they've been joining us
in the sanctuary, and of course the Lord is good.
The thing you don't expect is people. You know. Now
we have kiddos coming up to the altars to get prayer,
(16:29):
we have kidos getting baptized because they're in there for
the adult service. So either way, the Lord is glorified,
you know. But we know it's just a season, just
a season that we're pushing through. And the light at
the end of the dunne is almost there.
Speaker 1 (16:41):
It is, yes, so exciting. Well, driver, what an incredible
testimony you have. It has encouraged me. I hope it
has encouraged our listeners. And if anyone is interested, you
can attend the Redemption Church services this Sunday and those
service times again at.
Speaker 4 (17:01):
Eight am, nine thirty eleven am, and twelve thirty pm,
and then the prayer in December as we would move
to two services and eventually that will be nine and eleven.
Speaker 1 (17:10):
Am, and that'll be in December, yes ma'am. Yeah, And
then your Turkey Day is on November twenty second, beginning
at one o'clock.
Speaker 4 (17:18):
Yes, ma'am, Yes, ma'am, and anybody can show up. Anybody
can show up. I said. The city's going to be
helping us coordinate traffic and everything like that. So you
just come to downtown and we'll point you ready to
go to get you get your thanksgiving mail.
Speaker 1 (17:31):
Give us that address again at a six to.
Speaker 4 (17:33):
Oho one Park Street in downtown Beaumont. Yeah.
Speaker 1 (17:36):
So if you guys know someone who could benefit from
a turkey, give them the information. November twenty second, one o'clock, Downtown, Trevor,
thank you so much for Thank you, Dana what Redemption
is doing, and thank you for spreading that love for us.
Today when we come back, we're going to be talking
about additional love we can share and spread with knowing
(17:59):
about property management and purchasing rental property. So if that's
something that interests you, don't go away. This is Dana
Simmons and we'll be right back. Welcome back. This is
Dana Simmons and we've just been visiting with Trevor Knox
with Redemption Church and he was talking about their Turkey
Day giveaway and Shanoah Stark was telling me, you know, Dana,
(18:21):
we've got to give away going too. So you know,
this is the time of year for giving and encouraging
and helping one another. And Shanoah is the broker owner
for Southeast Texas Property Management. So Shanoah, tell me a
little bit about what you guys are doing.
Speaker 2 (18:35):
So we are having a toy drive for KASA, the
organization CASA, and it's bringing a unwrapped toy and then
what we have till December fifth to collect all the
toys and once we do, then the COSTA representative will
come and take all the toys to kids in need.
And it was just something so dear to our heart
(18:56):
and we would love everybody to participate if they can hand.
Speaker 1 (19:00):
So would they bring that toy to your office?
Speaker 2 (19:03):
Yes, ma'am, that is correct. And where is that It's
four forty North eighteenth Street, Sweet six in Beaumont. It's
right behind Salt Grass off the freeway.
Speaker 1 (19:11):
Okay, great, Well, it is a wonderful time to give
back and to find an organization that is going to
be helping others. It's just making sure it's a reputable
or organization, and we know COSA is definitely one of
those reputable organizations. Well, one of the things that we've
talked about over the last several weeks, and I've had
so many people ask me about, is getting into investing
(19:36):
in real estate. You know, there are lots of ways
that you can invest wisely in what you've been given.
And you know, the stock market may be one that
you invest in. Other places maybe things that you can
invest in, but real estate is also a viable option
for a lot of people who are wanting to invest,
(19:56):
and whether it's investing personally and building your own personal wealth,
or if it's investing in a residential lease property. And
so our let's Salsato with First Financial Bank is here
to give us some information about ways that you may
can do that without breaking the bank. So Arlite, thank
(20:18):
you for joining us, and let's talk about some of
those opportunities that you have for people who maybe they
think I could never buy a house. I'm never going
to be in a position to own my own home.
So let's talk a little bit about those opportunities.
Speaker 5 (20:33):
You know, there's a lot more out there than people
would think. I've been on here before and we've talked
about our affordable home mortgage program that we have and
that allows you to finance one hundred percent, so essentially
you don't have a down payment. But in addition to that,
just to kind of see where we're at and do
some more community development at this point. We also have
(20:54):
some grant options and we're calling them grants, but they
are technically a lender credit that we're offering. So if
you're looking at doing a regular convention alone, maybe and
if you're a first time home buyer, you can qualify
for as little as three percent down, but if you're
under a certain income bracket, then you're eligible to receive
(21:15):
one point two five percent and lender credits, and then
you're also eligible to receive another one point two five
if the property is located in an MMCT, which stands
for a majority minority.
Speaker 1 (21:25):
Since this track, we just had one close just this
last month, and this client was able to get two
and a half percent back from the lender as a
credit and was able to get in with a very
low down payment, which is an incredible opportunity that I
(21:45):
don't think people understand that they can get, which is
most people think I can't buy but because I don't
have enough money, I don't have enough cash flow. But
if their credit is good, and even sometimes if they
have a little bit of issue on their credit, you
can work through that. But it allows you the opportunity
(22:06):
to work with them to see where can they fit.
Speaker 5 (22:09):
Yes, and if we ever have to look at different programs,
then we're going to be looking at those different programs.
So if we have to look at something that's a
little bit friendlier with the lower credits score, then we'll
look at that option or we'll go to that avenue.
But also with the other program that we have, not
only are we doing the lender credits, but we're also
doing reduced lender fees. So on top of saving money
(22:32):
for your closing costs and whatnot, you're also getting reduced
fees from us. So since May, we've done about two
hundred and fifty five thousand in lender credits and an
additional about sixty thousand in those reduced lender fees. And
that's just since May, since the program started.
Speaker 1 (22:48):
Which is amazing. And so if you're out there and
you're like, I don't know if I could qualify for
that or not, there's not a cost or a fee
for someone to sit down and visit with you about that.
Tell tell the audience what would they need to do
to find out if this is something they can qualify for.
Speaker 5 (23:06):
All you need to do if you're interested in seeing
if you qualify is you can give me a call.
We can do something over the phone. We can always
take your information. It really depends on how comfortable you
are giving your information. We can schedule something in person,
you can do something online, because the first step is
going to be taking taking an application, because once we
see that application, we'll get a good look at all
(23:26):
of your financials and we'll have all of your credit
report information and we'll have any listed assets that you have,
so we'll get a good idea of Okay, this is
what we're looking at. This is the programs that you
may be eligible for, and then we discard anything that
you may not be eligible for. So you don't have
to do the work. You don't have to do the thinking.
(23:48):
You leave that to us, and that's whatever. We'll give
you all of your options and we're always going to
be looking out for your best interests.
Speaker 1 (23:54):
Yeah. I love that. I love that it's not putting
putting you in the same program every single time, at
saying okay, let's look at your situation, let's figure out
what you need, and then being able to fit you
into that. Now, you work with people who are in
the load and moderate income, but you also work with
people who are in the higher end as well. Sometimes
(24:16):
when you get into those jumbo loans, there can be
challenges there as well. But you guys have different programs
you can use for people who are in that situation too.
Speaker 5 (24:26):
Yes, we have any and all programs that you can
think of, because not only do we work with the
secondary market side, but we also work with our in
house programs. So if we're not able to find something
that qualifies in house or that qualify secondary, then we'll
kind of jump between the two and see what's going
to be best for the customer at that point.
Speaker 1 (24:42):
Yes, and so those are some of the options if
you're looking to purchase your own home. But another option is,
let's say you have a little bit of extra cash
and you're like, I need to invest this, and I
want to use this to grow my portfolio, and maybe
it's just one I started with. One started with one townhouse,
and I did not have a lot of money when
(25:03):
I started that way, but it did allow me to
I have that townhouse. It's paid for now, and so
it's something that happened years and years ago, and then
I had tenants paying that note every month, and so
that investment for me was paid for by a tenant.
So some people are like, but I don't have twenty
(25:23):
percent down. One of the things that I know First
Financial does have is a program that can allow you
to put ten percent down on an MMCT property. Now
talk a little bit about that.
Speaker 5 (25:38):
So we do have our investor m MCT program, and
that's going to be if the property is located in
a minority minority since this tracked, so that's going to
be parts of Beaumont, all of Port Arthur's, some parts
of Orange. So that's what you have to think about.
And if you ever have any questions, you can always
give us a call. There's a website that we go
to so that we can look up that property address.
But it's one to four single family residents that would
(26:01):
be eligible for this ten percent down because usually on
an investment property you'll need anywhere from fifteen to twenty
percent down, but that's going to reduce it to ten percent.
And also just one other thing that's aside from the
investor of MCT program is, like Dana said, whenever she
first purchased her town home and she had that one,
(26:24):
she probably purchased that as a first time home buyer.
She was able to get into it with minimum down
payment whatever it might be. But then you can also
turn around and do a home equity You can do
a home equity line of credit. So there's options out
there for you if you are looking at doing investment
properties as well. Our home equity line of credit usually
is low costs, so there's no upfront costs usually that
(26:46):
you have to do. If they are, they're very minimum,
and then you can go in. You can use that
equity to your advantage to use that to then maybe
do a down payment for your new investment property.
Speaker 1 (26:57):
Exactly what I do that townhouse that I started with
is now what I use to get that line of credit.
I have a home equity line of credit on that
property that I utilize whenever I purchase additional properties. So
it helps you to grow eventually. It takes a little time,
but any investment does. But one of the things that
come with One of the things that you can experience
(27:20):
whenever you do buy investment property is a lot of
people will say, you know, but I don't want to
have to manage that. Well, let me tell you there
are people who can do that for you, so that
it is something that is handled by someone else and
you can just leave that investment and then they handle
the hard stuff. So when we come back, we're going
(27:41):
to talk to Shanoa and Kelly and we're going to
visit about someone who can help you with that property
management side. So don't go away. This is the Dana
Simmons Show. Welcome back. This is Dana Simmons and we
have been visiting with Arlette Salsado and she is the
first financial bank mortgage per vice president and she's been
(28:02):
giving us all kinds of good information about if you're
interested in purchasing your first time home or maybe you're
thinking about buying an investment property. So if you miss
that conversation, I'm going to have her give her number
at the end of our segment today and you can
reach out to her. She's happy to meet you at
one of the offices or just talk to you on
(28:23):
the phone. So reach out to arlat she can absolutely
help you. Also with us, Shanoah Stark and Kelly Hall
there with Southeast Texas Property Management, and we talked a
little bit about buying investment property. But for some people
they're like, but I don't want to manage it. Well,
here's the answer, because if you want to buy investment
property and you want someone else to handle that part
(28:45):
of it, that's what you guys do, yes, ma'am. So
let's say, okay, just bought my investment property. I come
to you. What next?
Speaker 2 (28:52):
So we take a look at the property and then
we'd get you all signed up and then we would
get you with your dedicated property manager. Here at Southeast Texas,
we don't just we answer our own phones and each
person gets their own designated property manager so they'll have
direct contact. But once all the management agreement and everything,
(29:14):
son the girls take over and you know, if you
need it depends on how the property comes to us.
If it's ready to rent, then there we just put
it on the market advertising in tons of places.
Speaker 1 (29:25):
So what if I have no idea what to rent
this property for.
Speaker 2 (29:29):
Oh go ahead, that's easy.
Speaker 3 (29:31):
So if you do not know what you should rent
the property for, the cool thing about us is we
give you a free CMA. So basically, we will do
a rental market analysis and we will tell you what
the actual market is saying in that area for that
sized property comparable properties to that. So we give you
a true market value rental analysis, and we will tell
(29:52):
you our professional opinion, you know, on how much you
should rent the property for based on what the market
is actually showing.
Speaker 1 (29:58):
So I we come up to an agreement. And that's
something that Let's say I'm going to buy a couple
of properties and I want to decide which of these
I should buy, and I want to look at the numbers,
and you know, at my office we can help with that.
But then we also may refer to you and say,
why don't you find out from them what they're seeing
as well, Because while we love residential real estate and
(30:20):
we do cmas all the time, we don't see all
of the rental stuff that you guys see. So we
love referring to people who can do better than we
can do on certain things, and so they can come
up with that value. Okay, we bought the house, We've
gone through the house. What are some requirements that are
going to be there on a property if you're going
(30:40):
to lease it. What are some of those requirements.
Speaker 3 (30:43):
So if you're going to lease that, we do require
that the property is up to Texas Property Code. That
greatly reduces liability for the owner of the property as
the landlord, and so that is one of the requirements.
We also require there to be a real key upon
us saying it over if that hasn't already been done.
That is also another liability issue, you know. So basically
(31:06):
our goal to in property management is you can't close
a liability gap completely, but you can surely reduce it
and make it as small as possible, you know. So
that is when we're walking through. Those are the things
that we're looking for. What things are going to be
a liability to this landlord, you know, that need to
be corrected repaired before we place a tenant in this property.
So we do also require that the owner carry insurance
(31:28):
on the property. So we require that and then once
we get all of those things, we go to the property.
We basically make sure that it is in rent ready condition,
like you can't have a roof falling down, you know,
or door fallen in or anything like that. It has
to be you know, it has to be habitable for
a tenant.
Speaker 1 (31:49):
Well, which makes complete sense. I mean if you guys
are going to market this property, and it's the same
thing we do when we list a house. We want
to walk through and do everything we can to ensure
that the seller can get the house sold, but also
reduce any liability to people who are walking into that house,
because what people don't realize is you're liable. You own
(32:11):
the property, you are liable. And so I love that
that's one of the things that you were looking at.
How do we try to reduce liability as much as possible,
because if you're doing it on your own, you may
not know all of those things.
Speaker 2 (32:25):
Rightly, there's state and federal regulations that even landlords individually
they have to follow, but we keep them in compliance
with all that. We go to two conferences a year.
We stay really educated. That way for our owners and clients.
We can keep that liability gap. Like she said, you
can never close it, but you can reduce it significantly.
Speaker 1 (32:48):
And so at that point in time, when you go
through all the documents, she'll talk about, Okay, here are
all the fees that are incorporated whenever we assist you,
and here's what your net will be each month. And
then so I'm assuming the rent goes to you, yes,
and then you send that out to the homeowner.
Speaker 3 (33:07):
Correct, Yes, So we collect the rent throughout the month,
and then on the last business day of the month,
we process statements. We will send the owner a breakdown
of any income and expenses for that month, and then
we will send their rent payments. So we love sending
rent payments. That's probably the best day of the entire year,
especially if there's no maintenance issues throughout the month and
the owner is getting a full payout.
Speaker 1 (33:27):
Yeah.
Speaker 3 (33:27):
Another thing about us too is that a lot of
people think that property management companies are just so expensive.
But the cool thing is is that we work for
you for absolutely free until we actually place a tenant
in the property. Once we place a tenant in there
and you are now making money, that is when you
start paying property management fees and all of that. So,
you know, we do to sign up with us costs
(33:48):
zero dollars, you know, and then we place someone in there,
and then that is when those fees start. And a
lot of people think it's just fee fee, fee fee,
and it's really not a lot of the fees are
basically just to enforce the mainage contract, just to make
sure the contract's being followed and all of that. Most
of the fees are never charged if you just follow
the rules, you know what I mean.
Speaker 1 (34:08):
And so so you do the collections from the tenant
and so they don't even have to worry about that.
And then let's say a repair issue comes up.
Speaker 3 (34:16):
So a repair issue comes up, the tenant places the
work order through their online portal. We are notified immediately
if it is on a weekend. We have an emergency
line that those tenants can call, so they can always
get a hold of us if there's an emergency, so
that we can you know, if there's water in the property,
we need to know about it immediately, you know, yeah,
so that would constitute as an emergency. They can get
ahold of us after hours if needed. Once we receive
(34:38):
the mainten InterQuest, depending on the nature of the mainten InterQuest,
we'll reach out to the owner you know, for further
welld not further information, but for approval to complete the
work order. But if it's a health and safety issue,
then we get somebody out immediately. It kind of goes
back to closing that liability gap for the owner. You
have a certain amount of time for those health and
safety issues to get out there. So if it's health
(34:59):
and safety, will get out there pretty immediate, get it corrected,
and then we will call the owner, you know, let
them know what happened, let them know the issues corrected
and go from there. If it's a larger repair, the
way our management agreement reads is anything over five hundred dollars,
the owner has to approve. The reason why we have
it set up that way is because if it is
a health and safety issue, then we need to be
(35:19):
able to get out there and have approval to get
it repaired immediately instead of having, you know, to reach
out to the owner for approval and all of that.
Speaker 1 (35:26):
And the benefit is, you know, the vendorst you know,
if you're getting and just getting into investing, it's hard
to know who can you trust and who can you
not trust.
Speaker 3 (35:35):
Absolutely, Yeah, all of our vendors they're vetted. You know,
we make sure that their license ensured. Right now, EPA
certification is a big thing, so we make sure they're
EPA certified and all of that as well.
Speaker 1 (35:46):
So it sounds like a lot, but really it makes
it so much easier. And if someone has questions and
they want to come talk to you and say, okay,
I have a handful of properties, I'm thinking I want
to get this off my plate and I want someone
else to hand Because time is money, and so if
it's taking your time to handle that give it to
someone else and and that's a benefit.
Speaker 4 (36:07):
So talk a.
Speaker 1 (36:07):
Little bit about how would they start that process with you?
Speaker 2 (36:10):
So they would we have on our website. They can
either submit a form that tells us they're interested, or
they can always call our office. Like I said, a
live person, a local live person always answers the phone
and they can, you know, set an appointment with myself
or Kelly. Kelly is the senior property manager, so she
handles most of that, but they just set an appointment
(36:32):
with us. We give them all the information and it
doesn't matter if they have one house or if they
have twenty. We you know, we do all of them.
So website website it's www dot s E t xmanage
dot com, and you there's a wealth of information there
from finding properties that we have ready and available to management.
(36:56):
There's there's a lot of things on the website. It
tells about us and all kinds of things.
Speaker 1 (37:00):
So if someone's even looking to rent a property, they
can go to your website and then what's your telephone
number that they can call.
Speaker 2 (37:06):
It's four O nine seven five seven eight three six y.
Speaker 1 (37:09):
Nine okay, and I'm sure they can google you.
Speaker 2 (37:11):
Oh yes, ma'am. Absolutely our reviews. You know, I always
encourage people to look at our reviews because that's where
the proof is in the putting us say right. And
one other thing I'd like to say too, is the
way we make it easy on our clients to also
at tax time at the end of the year, all
of their expenses and income we have a record of
and we send them their ten ninety nine for their income,
(37:33):
and then we also send them a cash flow that
breaks down their expenses per category and all they have
to do is hand that to their CPA, and that's
really all they gotta do. We keep track of it
for them all year.
Speaker 1 (37:45):
Yeah, that is such a benefit and such a help. Well,
thank you guys, it's been such a pleasure to have
you on the show. We'll do this again, yes, and
go a little deeper. But if you're interested, google Southeast
Texas Property Management and they can help you.
Speaker 2 (37:59):
Thank you.
Speaker 1 (38:00):
Thank you again for coming on the show. Someone wants
to get a hold of you, how do they do that?
Speaker 5 (38:03):
Thank you Dana for having me. If they wanted to
get a hold of me, they could call me at
four oh nine four seven four one five zero three,
or they could also email me at A Salsato at
f fin dot com or Asaucedew at ffin dot com.
Speaker 1 (38:17):
A Saucedew. That's it. That's how you know. So First
Financial Bank you can stop into any of their locations
and even ask for our lad if she's not there,
they'll get you connected. There are locations all over Southeast Texas.
And if you are not banking with First Financial, why not?
It should be you should be. I agree. Just want
to also say thank you to Trevor Knox who is
(38:40):
the ministry director over at Redemption Church. So exciting to
see what they're doing over there at Redemption. And if
you're interested in their Turkey Day giveaway, you can show
up down at the church November twenty second at one
o'clock and they will be handing out five hundred and
fifty turkeys. Good for them. Well, it's been a great show.
(39:02):
I hope you've enjoyed it. We've had a blast. Hope
you have a great Saturday. Happy birthday. Quade Gaga loves you.
This is Dana Simmons with The Dana Simmons Show.
Well, hello, Southeast Texas, Welcome to this beautiful Saturday. I
hope you are enjoying the day. And I'm having a
special day today because my little grandson just turned two.
So now I have two four year olds and a
two year old and we are going to be enjoying
this special afternoon with some bounce house activity and a
(00:21):
lot of other fun. So I hope you have great
plans for your Saturday with me. I have some amazing
guests who are gonna give you information about a lot
of things going on in Southeast Texas, one of which
is a Turkey Day giveaway. You're not gonna want to
miss that. Also, we're going to talk a little bit
about investing in real estate and if you want to
(00:42):
invest but you don't want to have to deal with
property management and what goes along with that, I have
the answer. Shanoah Stark and Kelly Hall with Southeast Texas
Property Management are going to visit with you a little
bit about what they do and how they can take
that over for you. But before we get started, we're
going to talk a little bit about the market. So
(01:02):
what is the market doing well? It is beginning to
pick up a little bit we're seeing an increase in activity,
which we're very thankful for. The last two years have
been a little softer, but actually we're seeing the phone
was ringing again. Part of that, I think is in
part to the interest rate going down a little and
then just people getting a little more comfortable with the
(01:24):
economy that we're in right now. If you're thinking about
buying or selling, you know my office would love to
help you four nine eight six six eight three two six.
One of my team members would be happy to visit
with you and see if now is the right time
for you or not. Before we get started on the
deats of all the information we have, I'd love for
you to kind of get to know the guests a
(01:45):
little bit. So we're going to start with Shanoah Stark.
She is the broker owner of Southeast Texas Property Management.
So Shanoah tell the audience just a little bit about
who you are.
Speaker 2 (01:55):
Hi. I'm ghanoa broker owner of Southeast Texas Property Management
and and I have been a realtor for sixteen years.
I have been married for twenty five years and have
two beautiful children twenty two and nineteen. I open Southeast
Texas Property Management two and a half years ago and
we are loving it. We just you know, the property
(02:18):
management space is really where we fit well and we
do really really well. So I'm super excited about that.
Speaker 1 (02:25):
Yeah, it is a niche that you have to enjoy
number one, Yes, ma'am. And you have to get really
good at you know, there are a lot of people
who try it, and I hate to say they fail
at it, yes, because it takes some pretty specific skills
and tools to do it.
Speaker 2 (02:42):
Yes, ma'am.
Speaker 1 (02:43):
So being in real estate for sixteen years, you were
able to see the gamut of all the things, buying, selling,
all that and then finally found your niche there.
Speaker 2 (02:53):
Yes, ma'am, that's correct. About twenty sixteen is when I
really found the niche in property management.
Speaker 1 (02:58):
And you are correct.
Speaker 2 (02:59):
You either really really love it or you really dislike
it for sure.
Speaker 1 (03:02):
Yeah, it is a different beast. It's just like residential
real estate is completely different than commercial real estate. I
have someone actually on my way over here say hey, Dane,
I have some commercial real estate questions. Can you call me?
And I'm like, no, but I can tell you who
I'll refer you to them. I'm really good at residential
real estate. But I'm going to stay in my little lane.
(03:25):
And same thing with property management. I have people ask
me all the time, Hey, would you be willing to
manage our property? And could I Yes, yes, legally I could.
But let me tell you, I'm not the best at it.
I'm going to refer you to someone else. And so
that's why I have you guys here, because I want
people to know there are people out there and you
are a great place for them to go if they're
(03:47):
interested in property management. And with you is Kelly Hall.
She is your senior property manager. So Kelly, tell a
little bit about you.
Speaker 3 (03:54):
Sure. Yeah, as Dana said, I'm Kelly Hall with Southeast
Texas Property Management. I'm the senior property manager. I have
been in property management for right around ten years. I
am a licensed realtor. I've been licensed for the past
three years. I have one son. His name is Christopher.
He's a three year old fine and property management is
my passion.
Speaker 1 (04:14):
It's not just a job.
Speaker 3 (04:17):
I love it for so many different reasons, which sounds
crazy to a lot of people, but it's my thing,
you know.
Speaker 1 (04:23):
And that's the key is in real estate, finding that
place where you fit, and so a love that you
found the location that fits you and that you're passionate about.
I think if you're not passionate about what you do,
you should go find something that you're passionate about. Exactly.
Speaker 3 (04:39):
It should not be a job. It should be a hobby.
That's well always say.
Speaker 1 (04:43):
It should be something that you feel is your purpose.
You know, our core values in our office. The very
first one is that God has a purpose for each
one of us, and our job is to fulfill that
purpose and whatever that is. When you're fulfilling his purpose,
it does give you joy. Is it joyful all the time? No,
it's not all. I mean, there are challenges and we
(05:06):
do live in this world, but it's finding that purpose.
So I love that. So thank you for joining us.
We're going to get more into that property management in
one of our segments, so you guys stay tuned. Also
with this, we have Trevor Knox, and Trevor, you are
the ministry director for Redemption Church. So tell us a
little bit about you.
Speaker 4 (05:26):
Yeah, I mean Trevor NOTx. I'm born and raised in
Southeast Texas and uh, I'm the ministry director at Redemption Church.
I'm married to one wife, one amazing wife. Have two
pups and our first baby on the way.
Speaker 1 (05:37):
Some supertations. That is so exciting. Now Redemption Church, you guys,
we'll talk more about this later bit. You guys are
expanding like crazy.
Speaker 4 (05:45):
Yes, ma'am. We're in a middle of a new building project,
which has not been stressful at all. Supers, you know,
just all plays out the right way now. It's been
a huge transition for us, but we're really excited. We're
still located in the same place, but we just bought
the whole block. Right, We've purchased the whole block to
have been a big renovation process, and we were finally
about to open our kids wing, which means the church
(06:07):
will be fully open. It's about four times the size
of our original building, so we're super blessed.
Speaker 1 (06:13):
So tell everyone where is that location.
Speaker 4 (06:14):
It's a six oho one Park Street in downtown Beaumont.
Speaker 1 (06:17):
Yeah, and there used to be a law office there
and you guys took over that law office space.
Speaker 4 (06:22):
There's so many things here. Yeah, we've tattoo parlor. I've
seen so many things. Whenever we bought the building, it
was full of the most random stuff with panning beds
and cars and anything you can imagine.
Speaker 1 (06:32):
So now you've taken over the entire space and I'll
love that. Well, we're going to talk more about your
Turkey Day giveaway here shortly, so stay tuned for that
also with us as Arlette Salcedo. She is with First
Financial Bank and you are in the mortgage department, but
you had a lots of different things there. So Arlett,
you have some exciting news since you last visited our
(06:53):
radio show.
Speaker 5 (06:54):
Yeah, I think the last time I was here, I
told you I was expecting well since I had my baby. Yeah,
and he about to be four months old, and I'm
so excited. The challenges are definitely there. I tried going
to the grocery store with them and I couldn't.
Speaker 1 (07:08):
Well, this is he's not your only one.
Speaker 5 (07:09):
No, I have three in total, right, so I have
my ten year old she helped a little bit, my
seven year old, and now my four month old.
Speaker 1 (07:16):
So yeah, definitely, let me just say, HGB delivery and
grocery pickup curbside are the answer.
Speaker 5 (07:24):
Those are usually my life savers. Yes, I just thought
it'd be nice to go out to the grocery store.
Speaker 1 (07:29):
Not wrong, Well, you learn those lessons the hard way sometimes,
But yeah, sometimes an adventure is what you need to
kind of help you get your feet back under you
and go maybe not Okay, Well, we're so excited to
have you here. First Financial Bank has lots of different
new programs and some things that are coming out that
are going to be helpful if you're either looking to
(07:50):
buy your first home or maybe it's not your first home.
Did you know I don't know if you guys out
there know that if you haven't purchased a home in
three years, you can be considered a first time home buyer. Again,
that's pretty amazing. So, whether you're a first time home
buyer or we're also going to talk about investing, there
(08:11):
are ways that you can invest in real estate and
not have to put twenty percent down. So don't go away.
We're going to share all of those tips and secrets
with you today. This is Dana Simmons with the Dana
Simmons Show. Welcome back. This is Dana Simmons and I
am joined today by Trevor Knox. He is the ministry
(08:31):
director at Redemption Church. And while Trevor, Redemption has grown
so much in the last like five years or.
Speaker 4 (08:40):
So, it's crazy.
Speaker 1 (08:41):
Yeah.
Speaker 4 (08:41):
Whenever I first started attending the church. I was twenty eighteen,
so I was not a believer. I was a lifelong atheist,
hated the church, everything to do with it. And then
there is this church plant in a bar so at
the gig if anybody wants to admit that they've been there, Yeah,
we would do church services on Sunday mornings and set up,
tear down. It was the only place so it would
take us. So I started attending that church because my wife,
(09:03):
my girlfriend at the time, started going and her life
changed radically. Finally somehow dragged myself in there and then
they add youth has changed my life. And since then
the church is just I mean, God has just continued
to bless it and it makes no sense to me.
But it doesn't have to.
Speaker 1 (09:18):
It's the two fish and the three loves right now.
That's what he's doing.
Speaker 4 (09:21):
That's right. I'm just blessed to be a part.
Speaker 1 (09:23):
So he's in the middle of it.
Speaker 4 (09:25):
Yeah. Yeah, So we moved down the road and now
we're in this building project. You know, we were in
this our current our last space we were in for
about four years.
Speaker 1 (09:32):
Yeah, and you were having multiple services because you were growing.
Speaker 4 (09:35):
So yes, man, we've had key atting services, so we're
still currently at four services. We still have services eight, nine, thirty, eleven,
and twelve thirty every single Sunday. The prayer is that
the kids Wing will be open first week of December
and that would move us to two services, which I
haven't seen that in about five years. So it's pretty exciting.
I know our teams are excited so much growth.
Speaker 1 (09:54):
And so Trevor, how did you end up going from
an atheist who didn't attend church to now you were
a ministry director?
Speaker 4 (10:02):
Uh? The simple answer is just Jesus. It took a radical,
supernatural uh interaction for me to actually embrace any of this.
You know, I receive prayer one time, one time full
of doubt, and the next day God was speaking clearly
to me and in a way that made sense to me,
and everything changed. So, I mean all the mental struggles,
(10:25):
all the all the all the trauma, all the things
that I'd been holding me back my entire adult life
were just washed away and the only thing that made
sense is that the Lord was leading every step. So
never thought I would be here, Never thought I would
be here. It makes no sense.
Speaker 1 (10:39):
Yeah, your your self ten years ago if you said,
hey self, this is where you're going to be in
ten years. No one said there's.
Speaker 4 (10:47):
No way, No one's fine. Yeah. A lot of my
friends who were with me in my non believing times
are now also saved and they go to church and uh,
they see it all the time, like the radical changes
where they're like, this makes no sense, who is this guy? Yeah,
it's just Jesus.
Speaker 1 (11:02):
Love that testimony, you know, and we all have different testimonies,
and there are those radical changes just like you. And
then there are those changes that took place slowly over
time that was more like me. Absolutely, But the central
focus is that it's what Christ does, and he ministers
to each of us in such a way that it
(11:23):
speaks to us personally. Whatever that takes.
Speaker 4 (11:26):
Yeah, that's how my wife was. It took her a
few months, a few months attending, attending and tending until
it all started to really shape and you could look
back and wait, I'm a completely different person. Yeah.
Speaker 1 (11:35):
It's because he's just a personal God. I mean, he
meets us exactly where we are. Well, what Redemption Church
is amazing and obviously it's growing in such a way
that's beautiful, But you guys are constantly giving back too,
And one of the ways that you're giving back is
on the Turkey Day giveaway. So talk a little bit
about what that is.
Speaker 4 (11:54):
Yeah, I just want to just say how grateful I
am for our congregation. It really is the people that's
a church. It's not about building. It's the people who
call it home that God has drawn there. And our
people are so generous. And every year, starting in twenty nineteen,
we started doing the Turkey Day giveaway. Were gonna we're
gonna hand out one hundred free turkeys to people in need.
So we did this drive through kind of style and
downtown Beaumont, and since then, even through the pandemic, it's
(12:17):
grown and grown and grown to where we were five
hundred turkeys and now this year we get to give
five hundred and fifty. And like I said, before, we
started the church plans, so we were a bunch of
rag tag misfits, no idea what we're doing. This year,
we've finally we're growing up. You know. We actually got
to work with the city instead of causing a lot
of problems and clogging up downtown with the traffic. Because
(12:39):
we're doing our best, but we don't really know how
to coordinate it. We've gotten to coordinate with the city
this year where we're going to have the downtown closed
off and it'll be just for the Turkey Day giveaway,
so people won't have to wait in their cars for
hours where we're running and filling up their tanks for
gas and things like that, doing our best. Yeah. Yeah,
so it's gonna go down November twenty second. We're giving
out five hundred and fifty free turkeys to anybody who
show up. It's first come, first serve. What we've been
(13:02):
doing the past two weeks and then including this Saturdays,
we've been going out into the community, so into uh
just like lower privilege neighborhoods, and we're passing out handouts,
we're knocking on doors, we're praying with people, just spreading
the words, spreading the bird. Yeah, so let them know, like, hey,
be here at November twenty second, six oh one Park
Street at one pm. That's whenever the drive through starts,
and we're gonna be handing out free turkeys. And I
(13:22):
know it's uh with the economy, you know, this is
what you're about to talking about and stuff, how things
the government shut down. It's been really hard on a
lot of families. But uh, I think good things are
coming in that regard and either way, we just we're
happy we get to help. It's it's it's only about that.
It's never been about filling some big marketing event or
anything like that. I'm blessed to be here for a
radio show. I didn't even know it, to be honest, Yeah,
(13:43):
I got I got the m Monday. I'm like, oh, okay,
I have a face for radio. This works never been
about that. It's been about being able to make any
kind of difference, impact, any kind of difference that that
proclaims anym of Jesus, and to let people know they're loved.
And we have so many people throughout the years who
are now faithful members of the church because they were
(14:04):
given to Now they get to get back, you know.
Now they're serving with us. Now they're hanging it out
and it's uh, I'm just honored to be a part
of it. Honestly. It's our people are incredible people.
Speaker 1 (14:13):
We're called to do. Yeah, I mean to serve and
they will know you because of your love and they
get to know Him because of your love. And so
if we could just keep that thought in mind all matters.
Speaker 4 (14:28):
You keep that heart, keep the eyes up.
Speaker 1 (14:30):
So I love that that's what you're doing for the
Thanksgiving holidays, hopefully opening up that children swing the first
week the Christmas has coming, So talk a little bit
about what you guys have for that.
Speaker 4 (14:44):
Yeah, we're super excited. So the kids. We've been waiting
for this kid thing to be open as well, you know,
for so long. And like I said before, I guess,
I guess making you know, building a building is not
as easy as I thought. It's a lot of code.
You know, you got to get things well.
Speaker 1 (14:59):
And it's not even just building. You're taking an old
building that you're remodeling.
Speaker 4 (15:02):
And it's been there a while, that's right, it's a
historical building that we've completely remodeled. And getting everything to
code that's been that's always the difficult things, the things
I don't understand. I have nothing to do with the
building projects, so I just I try not to look
at it, and then go in once every month and
see what the progress is. So I'm surprised and appreciate
it exactly. And so the first week of December it
looks like will be when our kids wing is open.
(15:23):
And then our Christmas services. We're going to do a
series that we do a four week series about the
Advent for four weeks in a row. And it's all
going to lead up to our Christmas Eve service where
we'll have a candlelight traditional candle light service at two
pm and four pm on Christmas Eve. I'm really looking
forward to it. I know our people needed. I know
(15:43):
it's just going to finally feel like, hey, we're home. Yeah,
we're finally home. We can settle down now.
Speaker 1 (15:48):
Yeah, that's wonderful. And that children's swing will be up
in just in time for you to have your first
base and then we listen. It's perfect timing here for you.
Speaker 4 (15:57):
Start that discipleship right away. That's right.
Speaker 3 (15:59):
I love that.
Speaker 1 (16:00):
So when you say the children's wing will be open,
then for you guys, now, children just come into the
service with you.
Speaker 2 (16:06):
What you do.
Speaker 4 (16:08):
So what's supposed to be our office space, what will
be our office space? We're using that as our kids space. Okay,
but we only have enough room for I think if
they just yeah, they just zero to six, okay, right,
So that's it. So we haven't had any any space
for the older kids. So they're they've been joining us
in the sanctuary, and of course the Lord is good.
The thing you don't expect is people. You know. Now
we have kiddos coming up to the altars to get prayer,
(16:29):
we have kidos getting baptized because they're in there for
the adult service. So either way, the Lord is glorified,
you know. But we know it's just a season, just
a season that we're pushing through. And the light at
the end of the dunne is almost there.
Speaker 1 (16:41):
It is, yes, so exciting. Well, driver, what an incredible
testimony you have. It has encouraged me. I hope it
has encouraged our listeners. And if anyone is interested, you
can attend the Redemption Church services this Sunday and those
service times again at.
Speaker 4 (17:01):
Eight am, nine thirty eleven am, and twelve thirty pm,
and then the prayer in December as we would move
to two services and eventually that will be nine and eleven.
Speaker 1 (17:10):
Am, and that'll be in December, yes ma'am. Yeah, And
then your Turkey Day is on November twenty second, beginning
at one o'clock.
Speaker 4 (17:18):
Yes, ma'am, Yes, ma'am, and anybody can show up. Anybody
can show up. I said. The city's going to be
helping us coordinate traffic and everything like that. So you
just come to downtown and we'll point you ready to
go to get you get your thanksgiving mail.
Speaker 1 (17:31):
Give us that address again at a six to.
Speaker 4 (17:33):
Oho one Park Street in downtown Beaumont. Yeah.
Speaker 1 (17:36):
So if you guys know someone who could benefit from
a turkey, give them the information. November twenty second, one o'clock, Downtown, Trevor,
thank you so much for Thank you, Dana what Redemption
is doing, and thank you for spreading that love for us.
Today when we come back, we're going to be talking
about additional love we can share and spread with knowing
(17:59):
about property management and purchasing rental property. So if that's
something that interests you, don't go away. This is Dana
Simmons and we'll be right back. Welcome back. This is
Dana Simmons and we've just been visiting with Trevor Knox
with Redemption Church and he was talking about their Turkey
Day giveaway and Shanoah Stark was telling me, you know, Dana,
(18:21):
we've got to give away going too. So you know,
this is the time of year for giving and encouraging
and helping one another. And Shanoah is the broker owner
for Southeast Texas Property Management. So Shanoah, tell me a
little bit about what you guys are doing.
Speaker 2 (18:35):
So we are having a toy drive for KASA, the
organization CASA, and it's bringing a unwrapped toy and then
what we have till December fifth to collect all the
toys and once we do, then the COSTA representative will
come and take all the toys to kids in need.
And it was just something so dear to our heart
(18:56):
and we would love everybody to participate if they can hand.
Speaker 1 (19:00):
So would they bring that toy to your office?
Speaker 2 (19:03):
Yes, ma'am, that is correct. And where is that It's
four forty North eighteenth Street, Sweet six in Beaumont. It's
right behind Salt Grass off the freeway.
Speaker 1 (19:11):
Okay, great, Well, it is a wonderful time to give
back and to find an organization that is going to
be helping others. It's just making sure it's a reputable
or organization, and we know COSA is definitely one of
those reputable organizations. Well, one of the things that we've
talked about over the last several weeks, and I've had
so many people ask me about, is getting into investing
(19:36):
in real estate. You know, there are lots of ways
that you can invest wisely in what you've been given.
And you know, the stock market may be one that
you invest in. Other places maybe things that you can
invest in, but real estate is also a viable option
for a lot of people who are wanting to invest,
(19:56):
and whether it's investing personally and building your own personal wealth,
or if it's investing in a residential lease property. And
so our let's Salsato with First Financial Bank is here
to give us some information about ways that you may
can do that without breaking the bank. So Arlite, thank
(20:18):
you for joining us, and let's talk about some of
those opportunities that you have for people who maybe they
think I could never buy a house. I'm never going
to be in a position to own my own home.
So let's talk a little bit about those opportunities.
Speaker 5 (20:33):
You know, there's a lot more out there than people
would think. I've been on here before and we've talked
about our affordable home mortgage program that we have and
that allows you to finance one hundred percent, so essentially
you don't have a down payment. But in addition to that,
just to kind of see where we're at and do
some more community development at this point. We also have
(20:54):
some grant options and we're calling them grants, but they
are technically a lender credit that we're offering. So if
you're looking at doing a regular convention alone, maybe and
if you're a first time home buyer, you can qualify
for as little as three percent down, but if you're
under a certain income bracket, then you're eligible to receive
(21:15):
one point two five percent and lender credits, and then
you're also eligible to receive another one point two five
if the property is located in an MMCT, which stands
for a majority minority.
Speaker 1 (21:25):
Since this track, we just had one close just this
last month, and this client was able to get two
and a half percent back from the lender as a
credit and was able to get in with a very
low down payment, which is an incredible opportunity that I
(21:45):
don't think people understand that they can get, which is
most people think I can't buy but because I don't
have enough money, I don't have enough cash flow. But
if their credit is good, and even sometimes if they
have a little bit of issue on their credit, you
can work through that. But it allows you the opportunity
(22:06):
to work with them to see where can they fit.
Speaker 5 (22:09):
Yes, and if we ever have to look at different programs,
then we're going to be looking at those different programs.
So if we have to look at something that's a
little bit friendlier with the lower credits score, then we'll
look at that option or we'll go to that avenue.
But also with the other program that we have, not
only are we doing the lender credits, but we're also
doing reduced lender fees. So on top of saving money
(22:32):
for your closing costs and whatnot, you're also getting reduced
fees from us. So since May, we've done about two
hundred and fifty five thousand in lender credits and an
additional about sixty thousand in those reduced lender fees. And
that's just since May, since the program started.
Speaker 1 (22:48):
Which is amazing. And so if you're out there and
you're like, I don't know if I could qualify for
that or not, there's not a cost or a fee
for someone to sit down and visit with you about that.
Tell tell the audience what would they need to do
to find out if this is something they can qualify for.
Speaker 5 (23:06):
All you need to do if you're interested in seeing
if you qualify is you can give me a call.
We can do something over the phone. We can always
take your information. It really depends on how comfortable you
are giving your information. We can schedule something in person,
you can do something online, because the first step is
going to be taking taking an application, because once we
see that application, we'll get a good look at all
(23:26):
of your financials and we'll have all of your credit
report information and we'll have any listed assets that you have,
so we'll get a good idea of Okay, this is
what we're looking at. This is the programs that you
may be eligible for, and then we discard anything that
you may not be eligible for. So you don't have
to do the work. You don't have to do the thinking.
(23:48):
You leave that to us, and that's whatever. We'll give
you all of your options and we're always going to
be looking out for your best interests.
Speaker 1 (23:54):
Yeah. I love that. I love that it's not putting
putting you in the same program every single time, at
saying okay, let's look at your situation, let's figure out
what you need, and then being able to fit you
into that. Now, you work with people who are in
the load and moderate income, but you also work with
people who are in the higher end as well. Sometimes
(24:16):
when you get into those jumbo loans, there can be
challenges there as well. But you guys have different programs
you can use for people who are in that situation too.
Speaker 5 (24:26):
Yes, we have any and all programs that you can
think of, because not only do we work with the
secondary market side, but we also work with our in
house programs. So if we're not able to find something
that qualifies in house or that qualify secondary, then we'll
kind of jump between the two and see what's going
to be best for the customer at that point.
Speaker 1 (24:42):
Yes, and so those are some of the options if
you're looking to purchase your own home. But another option is,
let's say you have a little bit of extra cash
and you're like, I need to invest this, and I
want to use this to grow my portfolio, and maybe
it's just one I started with. One started with one townhouse,
and I did not have a lot of money when
(25:03):
I started that way, but it did allow me to
I have that townhouse. It's paid for now, and so
it's something that happened years and years ago, and then
I had tenants paying that note every month, and so
that investment for me was paid for by a tenant.
So some people are like, but I don't have twenty
(25:23):
percent down. One of the things that I know First
Financial does have is a program that can allow you
to put ten percent down on an MMCT property. Now
talk a little bit about that.
Speaker 5 (25:38):
So we do have our investor m MCT program, and
that's going to be if the property is located in
a minority minority since this tracked, so that's going to
be parts of Beaumont, all of Port Arthur's, some parts
of Orange. So that's what you have to think about.
And if you ever have any questions, you can always
give us a call. There's a website that we go
to so that we can look up that property address.
But it's one to four single family residents that would
(26:01):
be eligible for this ten percent down because usually on
an investment property you'll need anywhere from fifteen to twenty
percent down, but that's going to reduce it to ten percent.
And also just one other thing that's aside from the
investor of MCT program is, like Dana said, whenever she
first purchased her town home and she had that one,
(26:24):
she probably purchased that as a first time home buyer.
She was able to get into it with minimum down
payment whatever it might be. But then you can also
turn around and do a home equity You can do
a home equity line of credit. So there's options out
there for you if you are looking at doing investment
properties as well. Our home equity line of credit usually
is low costs, so there's no upfront costs usually that
(26:46):
you have to do. If they are, they're very minimum,
and then you can go in. You can use that
equity to your advantage to use that to then maybe
do a down payment for your new investment property.
Speaker 1 (26:57):
Exactly what I do that townhouse that I started with
is now what I use to get that line of credit.
I have a home equity line of credit on that
property that I utilize whenever I purchase additional properties. So
it helps you to grow eventually. It takes a little time,
but any investment does. But one of the things that
come with One of the things that you can experience
(27:20):
whenever you do buy investment property is a lot of
people will say, you know, but I don't want to
have to manage that. Well, let me tell you there
are people who can do that for you, so that
it is something that is handled by someone else and
you can just leave that investment and then they handle
the hard stuff. So when we come back, we're going
(27:41):
to talk to Shanoa and Kelly and we're going to
visit about someone who can help you with that property
management side. So don't go away. This is the Dana
Simmons Show. Welcome back. This is Dana Simmons and we
have been visiting with Arlette Salsado and she is the
first financial bank mortgage per vice president and she's been
(28:02):
giving us all kinds of good information about if you're
interested in purchasing your first time home or maybe you're
thinking about buying an investment property. So if you miss
that conversation, I'm going to have her give her number
at the end of our segment today and you can
reach out to her. She's happy to meet you at
one of the offices or just talk to you on
(28:23):
the phone. So reach out to arlat she can absolutely
help you. Also with us, Shanoah Stark and Kelly Hall
there with Southeast Texas Property Management, and we talked a
little bit about buying investment property. But for some people
they're like, but I don't want to manage it. Well,
here's the answer, because if you want to buy investment
property and you want someone else to handle that part
(28:45):
of it, that's what you guys do, yes, ma'am. So
let's say, okay, just bought my investment property. I come
to you. What next?
Speaker 2 (28:52):
So we take a look at the property and then
we'd get you all signed up and then we would
get you with your dedicated property manager. Here at Southeast Texas,
we don't just we answer our own phones and each
person gets their own designated property manager so they'll have
direct contact. But once all the management agreement and everything,
(29:14):
son the girls take over and you know, if you
need it depends on how the property comes to us.
If it's ready to rent, then there we just put
it on the market advertising in tons of places.
Speaker 1 (29:25):
So what if I have no idea what to rent
this property for.
Speaker 2 (29:29):
Oh go ahead, that's easy.
Speaker 3 (29:31):
So if you do not know what you should rent
the property for, the cool thing about us is we
give you a free CMA. So basically, we will do
a rental market analysis and we will tell you what
the actual market is saying in that area for that
sized property comparable properties to that. So we give you
a true market value rental analysis, and we will tell
(29:52):
you our professional opinion, you know, on how much you
should rent the property for based on what the market
is actually showing.
Speaker 1 (29:58):
So I we come up to an agreement. And that's
something that Let's say I'm going to buy a couple
of properties and I want to decide which of these
I should buy, and I want to look at the numbers,
and you know, at my office we can help with that.
But then we also may refer to you and say,
why don't you find out from them what they're seeing
as well, Because while we love residential real estate and
(30:20):
we do cmas all the time, we don't see all
of the rental stuff that you guys see. So we
love referring to people who can do better than we
can do on certain things, and so they can come
up with that value. Okay, we bought the house, We've
gone through the house. What are some requirements that are
going to be there on a property if you're going
(30:40):
to lease it. What are some of those requirements.
Speaker 3 (30:43):
So if you're going to lease that, we do require
that the property is up to Texas Property Code. That
greatly reduces liability for the owner of the property as
the landlord, and so that is one of the requirements.
We also require there to be a real key upon
us saying it over if that hasn't already been done.
That is also another liability issue, you know. So basically
(31:06):
our goal to in property management is you can't close
a liability gap completely, but you can surely reduce it
and make it as small as possible, you know. So
that is when we're walking through. Those are the things
that we're looking for. What things are going to be
a liability to this landlord, you know, that need to
be corrected repaired before we place a tenant in this property.
So we do also require that the owner carry insurance
(31:28):
on the property. So we require that and then once
we get all of those things, we go to the property.
We basically make sure that it is in rent ready condition,
like you can't have a roof falling down, you know,
or door fallen in or anything like that. It has
to be you know, it has to be habitable for
a tenant.
Speaker 1 (31:49):
Well, which makes complete sense. I mean if you guys
are going to market this property, and it's the same
thing we do when we list a house. We want
to walk through and do everything we can to ensure
that the seller can get the house sold, but also
reduce any liability to people who are walking into that house,
because what people don't realize is you're liable. You own
(32:11):
the property, you are liable. And so I love that
that's one of the things that you were looking at.
How do we try to reduce liability as much as possible,
because if you're doing it on your own, you may
not know all of those things.
Speaker 2 (32:25):
Rightly, there's state and federal regulations that even landlords individually
they have to follow, but we keep them in compliance
with all that. We go to two conferences a year.
We stay really educated. That way for our owners and clients.
We can keep that liability gap. Like she said, you
can never close it, but you can reduce it significantly.
Speaker 1 (32:48):
And so at that point in time, when you go
through all the documents, she'll talk about, Okay, here are
all the fees that are incorporated whenever we assist you,
and here's what your net will be each month. And
then so I'm assuming the rent goes to you, yes,
and then you send that out to the homeowner.
Speaker 3 (33:07):
Correct, Yes, So we collect the rent throughout the month,
and then on the last business day of the month,
we process statements. We will send the owner a breakdown
of any income and expenses for that month, and then
we will send their rent payments. So we love sending
rent payments. That's probably the best day of the entire year,
especially if there's no maintenance issues throughout the month and
the owner is getting a full payout.
Speaker 1 (33:27):
Yeah.
Speaker 3 (33:27):
Another thing about us too is that a lot of
people think that property management companies are just so expensive.
But the cool thing is is that we work for
you for absolutely free until we actually place a tenant
in the property. Once we place a tenant in there
and you are now making money, that is when you
start paying property management fees and all of that. So,
you know, we do to sign up with us costs
(33:48):
zero dollars, you know, and then we place someone in there,
and then that is when those fees start. And a
lot of people think it's just fee fee, fee fee,
and it's really not a lot of the fees are
basically just to enforce the mainage contract, just to make
sure the contract's being followed and all of that. Most
of the fees are never charged if you just follow
the rules, you know what I mean.
Speaker 1 (34:08):
And so so you do the collections from the tenant
and so they don't even have to worry about that.
And then let's say a repair issue comes up.
Speaker 3 (34:16):
So a repair issue comes up, the tenant places the
work order through their online portal. We are notified immediately
if it is on a weekend. We have an emergency
line that those tenants can call, so they can always
get a hold of us if there's an emergency, so
that we can you know, if there's water in the property,
we need to know about it immediately, you know, yeah,
so that would constitute as an emergency. They can get
ahold of us after hours if needed. Once we receive
(34:38):
the mainten InterQuest, depending on the nature of the mainten InterQuest,
we'll reach out to the owner you know, for further
welld not further information, but for approval to complete the
work order. But if it's a health and safety issue,
then we get somebody out immediately. It kind of goes
back to closing that liability gap for the owner. You
have a certain amount of time for those health and
safety issues to get out there. So if it's health
(34:59):
and safety, will get out there pretty immediate, get it corrected,
and then we will call the owner, you know, let
them know what happened, let them know the issues corrected
and go from there. If it's a larger repair, the
way our management agreement reads is anything over five hundred dollars,
the owner has to approve. The reason why we have
it set up that way is because if it is
a health and safety issue, then we need to be
(35:19):
able to get out there and have approval to get
it repaired immediately instead of having, you know, to reach
out to the owner for approval and all of that.
Speaker 1 (35:26):
And the benefit is, you know, the vendorst you know,
if you're getting and just getting into investing, it's hard
to know who can you trust and who can you
not trust.
Speaker 3 (35:35):
Absolutely, Yeah, all of our vendors they're vetted. You know,
we make sure that their license ensured. Right now, EPA
certification is a big thing, so we make sure they're
EPA certified and all of that as well.
Speaker 1 (35:46):
So it sounds like a lot, but really it makes
it so much easier. And if someone has questions and
they want to come talk to you and say, okay,
I have a handful of properties, I'm thinking I want
to get this off my plate and I want someone
else to hand Because time is money, and so if
it's taking your time to handle that give it to
someone else and and that's a benefit.
Speaker 4 (36:07):
So talk a.
Speaker 1 (36:07):
Little bit about how would they start that process with you?
Speaker 2 (36:10):
So they would we have on our website. They can
either submit a form that tells us they're interested, or
they can always call our office. Like I said, a
live person, a local live person always answers the phone
and they can, you know, set an appointment with myself
or Kelly. Kelly is the senior property manager, so she
handles most of that, but they just set an appointment
(36:32):
with us. We give them all the information and it
doesn't matter if they have one house or if they
have twenty. We you know, we do all of them.
So website website it's www dot s E t xmanage
dot com, and you there's a wealth of information there
from finding properties that we have ready and available to management.
(36:56):
There's there's a lot of things on the website. It
tells about us and all kinds of things.
Speaker 1 (37:00):
So if someone's even looking to rent a property, they
can go to your website and then what's your telephone
number that they can call.
Speaker 2 (37:06):
It's four O nine seven five seven eight three six y.
Speaker 1 (37:09):
Nine okay, and I'm sure they can google you.
Speaker 2 (37:11):
Oh yes, ma'am. Absolutely our reviews. You know, I always
encourage people to look at our reviews because that's where
the proof is in the putting us say right. And
one other thing I'd like to say too, is the
way we make it easy on our clients to also
at tax time at the end of the year, all
of their expenses and income we have a record of
and we send them their ten ninety nine for their income,
(37:33):
and then we also send them a cash flow that
breaks down their expenses per category and all they have
to do is hand that to their CPA, and that's
really all they gotta do. We keep track of it
for them all year.
Speaker 1 (37:45):
Yeah, that is such a benefit and such a help. Well,
thank you guys, it's been such a pleasure to have
you on the show. We'll do this again, yes, and
go a little deeper. But if you're interested, google Southeast
Texas Property Management and they can help you.
Speaker 2 (37:59):
Thank you.
Speaker 1 (38:00):
Thank you again for coming on the show. Someone wants
to get a hold of you, how do they do that?
Speaker 5 (38:03):
Thank you Dana for having me. If they wanted to
get a hold of me, they could call me at
four oh nine four seven four one five zero three,
or they could also email me at A Salsato at
f fin dot com or Asaucedew at ffin dot com.
Speaker 1 (38:17):
A Saucedew. That's it. That's how you know. So First
Financial Bank you can stop into any of their locations
and even ask for our lad if she's not there,
they'll get you connected. There are locations all over Southeast Texas.
And if you are not banking with First Financial, why not?
It should be you should be. I agree. Just want
to also say thank you to Trevor Knox who is
(38:40):
the ministry director over at Redemption Church. So exciting to
see what they're doing over there at Redemption. And if
you're interested in their Turkey Day giveaway, you can show
up down at the church November twenty second at one
o'clock and they will be handing out five hundred and
fifty turkeys. Good for them. Well, it's been a great show.
(39:02):
I hope you've enjoyed it. We've had a blast. Hope
you have a great Saturday. Happy birthday. Quade Gaga loves you.
This is Dana Simmons with The Dana Simmons Show.
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