The Troubleshooter 8-26-25

Episode Transcript

Speaker 1 (00:05):
Ripped news. You don't have.

Speaker 2 (00:12):
Come running success as we can.

Speaker 3 (00:16):
Shooter's gonna help come man.

Speaker 1 (00:19):
This is the Troubleshooter Show.

Speaker 4 (00:22):
No Tom Martino, Welcome my friends to the only show
of it's kind. We're here to solve problems, answer questions,
take complaints.

Speaker 5 (00:32):
My goodness, do we.

Speaker 4 (00:33):
Got a packed house today? We have got so much
going on. I don't even where to start. I'll start
with this. We have one line open, three oh three Martino.
That's three oh three Martino. That number works on and
off the air. Don't forget help h e l P
at troubleshooter dot com. That of course works all the time.
We actually answer that phone even when we're not here

(00:55):
live believe it or not.

Speaker 5 (00:56):
Or you leave a message, we'll call you back. We
love helping people.

Speaker 4 (01:00):
Deputy Dmitri to my right, followed by John Clayce. How
are you doing, John, I'm doing good.

Speaker 1 (01:06):
Mark.

Speaker 6 (01:06):
It's nice to be here and nice to see the
FED might be moving a little bit, so.

Speaker 4 (01:10):
I cannot wait to talk financials. I love when you
guys are in meaning Frank Duran, the real estate man,
Stephanie Thomas, both some of the best realtors period in
the state. And then John Clace our partner in lending.
In fact, his email or his website is Partner in
Lending dot com. We're gonna be talking about the FED

(01:31):
finally lowering. We're gonna talk about reverse mortgages. We're gonna
talk about Denver housing. We're gonna talk about Colorado Springs housing.
Frank Duran, How are you, sir?

Speaker 1 (01:41):
I'm great, my friends, so good to see you in.
Good morning to you.

Speaker 4 (01:43):
Good morning, Stephanie Thomas. How's stuff going?

Speaker 5 (01:47):
It's good?

Speaker 4 (01:47):
Yeah. How's the How are home sales right now? Now
that the FED came out and they're eluding you know,
first of all, too late Charlie or whatever his name is.

Speaker 5 (01:58):
What's the Fed? What's the guy's name?

Speaker 4 (02:01):
Come on, yeah, Powell, too late Powell or late to
the game, Powell, whatever it is. You know, I'd hate
to get a nickname by Trump because they do stick.
You know, that poor guy said he'll be at his funeral,
of course, he'll be dead in the box and someone's
gonna refer to him as too late Charlie or whatever
the hell they call him. I'd hate to get a
nickname by him because it does stick. Does What was

(02:23):
Hillary's crooked Hillary.

Speaker 1 (02:24):
Oh remember Tim Waltz. What was Tim's tampon? Tim? Tampon? Tim? So.

Speaker 4 (02:30):
I mean, if you get a nickname, it's sticks. So
you know, watch it, just watch it right there. But guys,
how is the market right now that the Feds actually
came out and said we're probably gonna lower and it
sounds I'm not gonna say it's substantial, but it's the
beginning of what could be substantial.

Speaker 1 (02:50):
Does that affect housing right now?

Speaker 4 (02:52):
Or people like, wait a minute, I'm going to go
ahead and wait to buy so I get a better rate,
or I'm gonna wait to sell so more people are
looking because they can afford more of a house.

Speaker 1 (03:03):
I mean, what are your thoughts, Frank.

Speaker 7 (03:05):
You know, Mark, we're sensing optimism in the market. But
look what happened last year right around this time. What
happened They cut by half a point. Yeah, surprised everybody,
and all of a sudden, we bounced back in October
and had a very strong October. I see a similar
pattern right now. We'll see what happens on the seventeenth.

Speaker 1 (03:20):
Stephanie, what do you think, you.

Speaker 8 (03:21):
Know, I think any positive buzz in the market does
kind of create a little bit of interest and excitement
where the public has been hearing for however, long hay
rates are high, things are starting to move slowly things
like that. So getting some positivity right now, I think
is fabulous. But yeah, I'm with Frank. I think we
need to wait and see what actually happens.

Speaker 4 (03:38):
You know what's funny, John Clays. So John is one
of the managers for CMG CMG lens across the country.
So if you're listening to this on a podcast and
you need a loan, you call John up. It doesn't matter.
They're the actual lender, they're the bank, and they do
two billion dollars plus a month in mortgages, including revert

(04:00):
versus all in one loans. And we're going to talk
a little bit about all of this. But it wasn't
long ago, John, You go.

Speaker 1 (04:06):
Back four or five years, you guys.

Speaker 4 (04:09):
When I say you guys, anybody in the mortgage business
doesn't matter if it's reversed or refised, but especially to
cash out refis, you guys were living high on the
hog baby.

Speaker 1 (04:20):
A good couple of years there. You are right, you
would have.

Speaker 4 (04:23):
You would have the same people doing refis two or
three times.

Speaker 6 (04:27):
Yes, the rates when when when rates got below I
mean you get people below three percent, I mean it's
it's like, yeah, that well, I don't know if we'll
ever see that again, but.

Speaker 1 (04:37):
Below three it's incredible.

Speaker 6 (04:39):
And you know a lot of people like to use
the equity they've built up in their house for other
financial needs, which it's pretty smart to do, even.

Speaker 4 (04:47):
For a second house or vacation house at condo exactly.

Speaker 6 (04:50):
So if we get a little bit of drop in rates,
I think it's gonna spur like people doing. You know,
some of the people with low rates maybe moving to
house now that they didn't get a team.

Speaker 4 (05:01):
You know, money and finance is so important when we
talk about homes, you always hear it's the biggest investment.
And for most people that aren't small business owners, I
mean really, your home on a personal note is generally
your largest investment.

Speaker 1 (05:15):
There's no doubt about it.

Speaker 4 (05:16):
The access to cash is kind of crazy. And we
were just talking about refis and a lot of people
when rates were two or three percent or in the twos,
a lot of people fell into a pretty bad place.
Believe it or not, they're at three percent, they refin
let's say they had a thirty year mortgage and they
were down to fifteen years, and they're looking around going, wow,

(05:39):
we're in here at six and a half percent. We
can refi right now and be at under three percent.
So they would refi and John, you know, I'm pulling
your skirt up a little, but this is how the
industry works. When they refy and they're already fifteen years in,
they have paid a big chunk of their interest, because

(06:01):
that's how most loans in this country work, that first
fifteen years. If you look at the principle compared to
interest payments on your amateurization schedule, it's absolutely crazy. In fact,
your first payment, my son just did a loan with you,
His first payment is what ninety five percent interest?

Speaker 1 (06:19):
Yeah.

Speaker 6 (06:20):
And what people don't realize too, because we do this
prayis all the time. If you have a seven percent
fifteen year fixed and a three and a half percent
thirty year fix, which one do you think you're going
to pay more interest on over.

Speaker 4 (06:33):
The life of the long Oh my god, the fifteen year, No,
not thirty year, I'm sorry, You're going to pay less
interest on the fifteen year.

Speaker 6 (06:39):
Right, even at doubling the rate just because of time.

Speaker 4 (06:42):
So here's what people would do, and it blows me away,
so they'd REFI. They end up spending more interest and
they reset the clock to another thirty years. But then
a year later interest rates drop another half point.

Speaker 1 (06:54):
What do they do.

Speaker 4 (06:55):
They think they're saving money, they're losing their ass.

Speaker 6 (06:58):
Yeah, that's one of the I try to teach people
with this all in one loan that we have. It
really becomes the last loan you need because constantly refine,
tell yourself it's into it till yourself.

Speaker 4 (07:09):
No, you're absolutely right, because when you need the cash,
you can get the cash. And it's simple interest, so
it's not front loaded.

Speaker 1 (07:16):
Correct.

Speaker 4 (07:17):
Actually, we'll get into that product. That's what Suzanna and
I have and it's the best mortgage product in the
United States in my opinion. Frank, let me ask you something.
I want to bring you this into this. As a realtor,
I remember you helping us out on this show big
time in two thousand and eight nine to ten.

Speaker 1 (07:34):
People with short sales.

Speaker 4 (07:36):
They got into the position I just said, they sold
their house on the slow. They didn't just come out
right and sell their house. What they did was they
took loans out of the equity. So they maybe they
went on a vacation, maybe they put it into their house.

Speaker 1 (07:51):
But then home.

Speaker 4 (07:52):
Rates dropped drastically, and who came knocking the mortgage company?
It was aolutely crazy. How many short sales did you
do back then for us? I know you did a bunch, oh, Mark,
it was unreal that. In fact, that was probably at
that time about eighty five percent of the people we
were helping.

Speaker 1 (08:11):
And it was tough.

Speaker 4 (08:12):
So when people go in and take all the money
out of their house, all the equity, then they complain
and listen, it happens. People get into buyings. Hell, I've
been in bines when that happens. Oh, listen to this.
People will start crying. Oh the bank came and took
my house. They foreclosed on me. We had to move.
Now my credit's messed up and all that sucks. But
if you really look at the numbers they did sell

(08:35):
their house, they sold it slowly.

Speaker 1 (08:38):
They sold it over a fifteen year period of time.

Speaker 4 (08:40):
All the money they would have had, or all the value,
all the equity in their house was gone because they
already liquidated it.

Speaker 5 (08:47):
They literally sold their home slow.

Speaker 4 (08:49):
Then they lost their job, like a lot of people
in eight nine ten didn't have the ability to pay.
There's no more money to go back into the well,
meaning the equity in the house in shorts, sales popped.
You know who made out in that period of time
more than anybody else in the world, anybody. The banks
and no offense banks like CMG, Direct Lenders, Wells Fargo,

(09:12):
a lot of them actually went under, had lawsuits and
all kinds of things. But here's why they had it.
Especially on commercial loans. Did you know on most commercial
lines of credit, they look at it every year and
they can pull that money. In other words, the bank
can say, hey, you've got a five million dollar loan
out here, we're not going to renew it next year.
We need you to pay us, and if you can't

(09:34):
pay them, they can foreclose.

Speaker 5 (09:36):
They knew the economy was going to move.

Speaker 4 (09:38):
They knew the housing rates of eight nine to ten,
we're not going to stay the same.

Speaker 1 (09:42):
They knew that.

Speaker 4 (09:43):
They knew, you know what, this four hundred thousand dollars
house we're going to foreclose on, or this five million
dollar development that just started, we're going to foreclothes on.

Speaker 1 (09:53):
It didn't matter what it is.

Speaker 4 (09:54):
We know, in three or four years it's going to
be worth five times, so it doesn't even matter.

Speaker 5 (10:00):
Just let it sit there. Well, just let it sit.

Speaker 4 (10:02):
We don't even want to auction it. We don't even
want to sell it. That happened a lot, John and.

Speaker 6 (10:08):
Some of them, I'm sure Frank dealt with a lot
that they would actually try to scratch back whatever they
wrote off for your ink for your taxes.

Speaker 4 (10:15):
Yeah, that's absolutely right. And then you would get hit
having to pay taxes.

Speaker 1 (10:20):
Yeah, on it.

Speaker 4 (10:21):
And I'll tell you something else. Very curious about that
period of time, and I learned a big lesson. I
was cash poor at the time. I will never be
cash poor when property goes down again.

Speaker 5 (10:32):
That was the best buying market ever.

Speaker 4 (10:34):
You know what, our president probably made one of the
best real estate deals during that time.

Speaker 5 (10:38):
You bought that post office or whatever in New York.

Speaker 4 (10:41):
Think about that, that thing he bought for nothing, that's
worth so much money now. It's crazy the people that
add cash that could swoop in and buy. And that's
one of the reasons I'm going to circle that back
as the show goes on into that all in one loan,
because that all in one gives you that ability for
thirty years to have that equity. You only pay when
the money's out. It's an incredible product. Now listen, we

(11:03):
got full lines. I promise I'm going to dive right
into this. Tina's got a problem with an EGR val,
very curious and her vehicle happens to be over it
shared in auto tech, so they were going to look
at it for us. I want to make sure they
have an assessment before we go to Tina. Joe has
an issue with a landscaper. Samantha a problem with a

(11:24):
commercial lease. In fact, Dmitri, I remember this one. Yeah,
did you ever hear back from that landlord?

Speaker 2 (11:31):
No?

Speaker 1 (11:31):
I called and called and called, I left it.

Speaker 4 (11:33):
In my opinion, this group, this group or this individual
owner's a scumbag. Now that's my opinion, and I'd like
to get his name and I'm going to tell everybody
what's going on with that. But I, honest to God,
really feels so bad for Samantha. They're going to force
her into bankruptcy and all they have to do is something,
and they refuse to do it, and to me, in
my opinion, they misled them. I want to reach out

(11:56):
to this scumbag at some point during the show. Then
Paul's got a problem with some kind of scam, and
then Joe's got an issue too, So everybody hanged tight.
I promise we'll get right back. We'll dive into everything.
It's a good day to call into this show. When
the line's open.

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(12:37):
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Speaker 4 (12:46):
All right, three oh three seven one three eight two
five five three oh three marchin know we got a
lot of cooking.

Speaker 1 (12:53):
By the way, this hour brought to you.

Speaker 10 (12:55):
Bye.

Speaker 4 (12:55):
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(13:16):
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(13:39):
waterpros dot net. Now let's get right to the phones.
For goodness sake, I'm going to jump in. The first
one up here was Tina. And before we get Tina up,
even though she was the first, I want you to
reach out to Kevin Kalk and I want to see
if he looked at her car. Yet he told me
he was going to try to look at it. By
ten o'cl Hey, Paul, what's going on with you?

Speaker 1 (14:03):
Hello there, Mark, Hey Paul, Paul.

Speaker 10 (14:05):
I must say you and Tom put on a great
show thank you, sir, and your staff and your staff.

Speaker 11 (14:10):
But anyway, I've been getting an email from TransUnion saying
I've got a critical address change. Okay, do you do
you think it's a scam?

Speaker 5 (14:22):
I'd have to see the email.

Speaker 4 (14:23):
The best way to do is you actually look at
the tag and see where it came from. If it
came from TransUnion dot com. I mean, there can be
other things in there, but if it's legitimately from there,
that might be a problem. What I would personally do
if I got that. A lot of credit cards, like
the AMX, like the Capital One, like the Barclay cards,
a lot of them give you free credit reports. So

(14:44):
if you hop on to like capitalwe dot com and
log into your account, I can go look at my
credit report and right there you'll see the TransUnion report
or depending on what credit card, whatever company they use.

Speaker 5 (14:58):
And I think that I don't know why that.

Speaker 4 (15:00):
Hold on one second, Dmitri, But John, isn't that a
FIIGHTO eight?

Speaker 1 (15:04):
Isn't that?

Speaker 4 (15:05):
What aren't credit cards an eight score unlike a house
is like a.

Speaker 1 (15:09):
Correct A three or whatever it is.

Speaker 4 (15:12):
So you'll see your FICO eight score, and that's most
likely what derived from it, so it very well could
be legit. And the important part is you figure out
what changed and then you have access right there to
rechange it. Then while you're there, you need to lock
every one of your credit reports, so nothing like this happens.

(15:33):
So whether or not it's legit, if you forward the
email to us, I'll be able.

Speaker 5 (15:38):
To tell if it's legit. If you'd like to do that,
Dmitry Mark.

Speaker 11 (15:41):
You know.

Speaker 12 (15:41):
The one thing that's worth mentioning is that TransUnion is
not going to email you any kind of alerts unless
you actually signed up for their credit watch service or
something like that. I get alerts all the time because
of my credit cards. But you signed up for those
like a credit card. It's called credit watch. I think
credit Why yes, so credit Wise, so I'm signed up

(16:02):
for that. Yeah, but if you but if Paul didn't
sign but those from TransUnion that come from credit Wise,
So if Paul didn't sign up with TransUnion, this is
not a legitimate email.

Speaker 1 (16:14):
Can you forward us at email?

Speaker 13 (16:17):
Sure?

Speaker 1 (16:17):
Yeah, do this send it to help h E.

Speaker 4 (16:20):
L P at troubleshooter dot com and I'll look at
it as soon as you send it. Let me put
you on hold and send it right now, Kelly, make
sure he knows where to send it. We're gonna still
wait on her and this one. Joe, what is going on?

Speaker 1 (16:35):
Hey Joe? What's going on? Hey? Mark?

Speaker 14 (16:38):
I agree with the previous color. You guys are all
of you guys are just great.

Speaker 1 (16:43):
Well, thank you, Joe.

Speaker 14 (16:45):
You know Ozzy's missed. But we'll see if you guys,
I mean, if you if anything ever happens to you
guys who was missed?

Speaker 1 (16:52):
Did he say I loved you? Guys?

Speaker 11 (16:58):
Are right up there?

Speaker 1 (16:59):
How old are you? I got just.

Speaker 14 (17:02):
Sixty three?

Speaker 4 (17:03):
Okay, that's Ozzie. There you go, man, all right, go ahead, Joe.
What's going on?

Speaker 14 (17:08):
So I did a job for a lady. I can
I'm a dirt hauller. Basically, lady called. She's like, hey,
I got about five yards of dirt to move.

Speaker 10 (17:17):
Can you do it?

Speaker 14 (17:18):
I said, yeah, five hundred bucks. This is about a
month ago.

Speaker 4 (17:23):
Were you moving the dirt? Where was the dirt from
her house? Her property?

Speaker 14 (17:28):
Yeah, her rental house. It used to be her mom's house.
That's good to a one organics to recycle it.

Speaker 1 (17:34):
That's good, go ahead.

Speaker 14 (17:35):
So she paid she paid me. Then two weeks later,
which was about about three weeks ago, she said, hey,
I got another load of dirt in the front. Can
you move it? I said sure.

Speaker 1 (17:49):
How much did you charge her for the first load? Okay?
Keep going?

Speaker 14 (17:55):
So this one, you know, I went over there. She said,
my neighbor is might take it. Can I give him
your phone number? And I said sure. And this guy's
about four blocks away from her, so I said, yeah,
he wants it, I'll hal it.

Speaker 1 (18:07):
Whatever.

Speaker 4 (18:07):
So instead of bringing where you did the first load,
you gave it to her friend to hers Yeah, okay.

Speaker 14 (18:14):
Back he backed out of it. Just as like, as
I was pulling up there, I didn't hear from the guy.

Speaker 5 (18:19):
I think he was like, wow, that's a lot of dirt.

Speaker 1 (18:21):
Okay.

Speaker 14 (18:21):
So then what Yeah, yep, she sends me his number.
I text him. He texted me back, I don't need it.
I copy that pasted over to her. Hey, he doesn't
need it. So we're going back over to a.

Speaker 10 (18:31):
One with it.

Speaker 5 (18:32):
And what is a one charge you to dump it?

Speaker 14 (18:35):
Sixty five?

Speaker 1 (18:36):
Okay, go ahead, So then I move it.

Speaker 14 (18:40):
I take a picture of the dirt. I take a
picture of it in my trailer.

Speaker 1 (18:44):
I take a picture of.

Speaker 10 (18:45):
It, dumping it.

Speaker 14 (18:46):
I take a picture of the I get a five
dollars charge, send all that to her each each move
I make, I keep this going, and then I get
this whole thing done. I said, I'm cleaning up Brady
to leave, and she said, I don't know why he
moved the dirt.

Speaker 15 (18:59):
I didn't ever for it.

Speaker 14 (19:01):
And I've got text messages, a line a string of
text messages sending.

Speaker 1 (19:05):
Me over there on the second one I haven't heard from.

Speaker 5 (19:08):
How much does she owe you now? Five sixty five?

Speaker 1 (19:11):
How much?

Speaker 10 (19:12):
Yeah?

Speaker 4 (19:13):
Why don't you just put a lean center, an intent
to lean, a ten day notice.

Speaker 14 (19:17):
Yep, yep, that's got going right now.

Speaker 5 (19:20):
I mean, really, that's the best way.

Speaker 4 (19:22):
I don't mind if you if you would like, I'll
have Dmitri make a call to her right now during
the show and tell her, hey, you know he called
into the show.

Speaker 5 (19:31):
Here's what's going to happen.

Speaker 4 (19:32):
He's going to send you a ten day notice to lean,
and then he's going to lean your property over five
hundred bucks. That's crazy. So, I mean, unless the guy's
outright lying to us, I mean, you're absolutely nuts to
do it.

Speaker 5 (19:44):
Of course he'll do it. In the Dmitry way, not
the Mark way.

Speaker 1 (19:48):
They cost you another pizza. Yeah, he might have to
come to the table with a pizza. But I'll be
happy to call right now.

Speaker 4 (19:53):
But if you want to do that, we've got no problem.
But I mean, you hold all the cards here, man.
If you can prove you did any work. In fact,
if she's arguing there's not a contract, that really doesn't
matter a lot of times. If you literally picked up
dirt and moved it and it benefits her, and you
can prove that you did that, I'm telling you right now,
she's gonna lose in court and it's gonna cost her

(20:16):
a hell of a lot more to figure out what
to do going forward.

Speaker 11 (20:20):
You know.

Speaker 14 (20:20):
That's what I told her this morning. She she called
me and she was like, don't you dare threaten me
and on sheet, get get ready to Meetria because she's
gonna like load your ear with some of the worst
language you've ever heard.

Speaker 1 (20:32):
Oh, I can't wait. Mark, make sure to record it.

Speaker 16 (20:34):
I we'll have it.

Speaker 4 (20:35):
We'll have it on our YouTube episode because hey, hey Shannon,
if this lady goes crazy cussing and stuff, can we
take it, cut it up and at least bleep it
out so people.

Speaker 5 (20:46):
Can get an idea of who she is. Okay, we'll
do that.

Speaker 4 (20:50):
Hold on, man, give Kelly the information the Meitri, let's
make that call. And who else here did we end
up getting on Kevin Calkin. So when we come back
from this break, I'm gonna bring Tina up. We're going
to listen to her story. And the cool part is
she dropped her car off this morning and Kevin Caukin
shared an auto tech and he's going to look at

(21:11):
what the other shop did. So I'll inform everybody what's
going on. But I'm dying to hear about this. In fact,
full disclosure. Suzanne, my beautiful wife, do you remember years
and years ago we went and saw Bill Cosby in Florida.

Speaker 5 (21:29):
With Goodyear Oh yeah, I remember that Mark.

Speaker 4 (21:31):
Probably nineteen ninety six, ninety six, ninety seven. I don't
even think we had kids.

Speaker 1 (21:37):
We didn't, did not.

Speaker 4 (21:38):
So we went on a good Year deal because I
had good years and this was so long ago. We
went with the guy who owned South Park Tire, John Tracy, Okay,
and we sat with him right there seeing Bill Cosby.
In fact, we were about ten feet away from Bill Cosby.
I was afraid he was going to slip something in

(21:58):
Suzanne's drink. It was I always keep my eye on them,
but here was the bottom line.

Speaker 1 (22:03):
That is the shop.

Speaker 4 (22:05):
And I was like, after all these years with Tom,
I have never had a complaint to this magnitude on
this company, and I knew John personally, but I found
out South Park John sold in twenty twenty one or
twenty twenty two. So I'll be curious to find out
about this complaint and mark that and a lot more.

Speaker 9 (22:31):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com.

Speaker 17 (22:35):
You don't pay a cent until you're content.

Speaker 9 (22:41):
Time for an insurance check up, free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
to seven to one help. You'll think you're his only
customer when you choose Frank durand the Real estate Man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two.

Speaker 4 (23:03):
All right three three seven one three A two five five.
If you don't listen to the backstory during the show,
you go to YouTube dot com type in Troubleshooter Network
during the breaks when a lot of people are here,
in commercials of course, over the multiple radio stations we're on,
and even the podcast. I acknowledge it's starting to get
a lot of commercials in it, but on YouTube, if

(23:24):
you watch it later, you can actually fast forward through them.

Speaker 1 (23:27):
But I digress.

Speaker 4 (23:28):
We always have something else going on, uh in the background.
Now I'm going to jump right to Tina or I'm sorry,
not Tina. Where is it some EGR issue? So that
is this is all screwed up?

Speaker 5 (23:43):
What line is she on? Kelly for the life of me?

Speaker 4 (23:46):
It says Samantha has an issue with the commercial lease
and Kevin Cockin has a has an issue.

Speaker 18 (23:53):
Kevin Cockena's for line two, Mark.

Speaker 1 (23:55):
I got it.

Speaker 4 (23:55):
Hey, Tina, tell us what's going on? I saw your
email with south Park, but tell everybody what happened.

Speaker 16 (24:02):
Hi, Well, I'm not sure what's happening. So we took
our twenty twenty Missubishi Outlander sport and because the service
engine stone light was intermittently coming on and going off,
coming on and going off, they did the code and
they said it was a code for the EGR system
in correct slow, so we left it there with them.

(24:24):
We only we did it because it was convenient and
they worked on missubichis a normal mechanic wouldn't much repair normally.

Speaker 4 (24:31):
And let me tell you something that's very common, not
just in the midst of Biche, but it's common in
a car with a certain amount of miles for the
EGR valve to either get clogged and need cleaning or
to fail.

Speaker 5 (24:41):
So what did they charge you and what did they do?

Speaker 16 (24:45):
Well, we took it in there, and I just assumed
they were going to replace it, but I guess they
just cleaned it and they said that it looked like
it was fine. It was functioning normally, right, so that's
what they said, but it would need to be rechecked.
I don't know if they rechecked it after they cleaned it.
And they charged us thirteen hundred.

Speaker 5 (25:00):
Dollar thirteen hundred bucks clean it.

Speaker 4 (25:02):
Now I don't know where it's located, so I couldn't
tell you if that's good, bad, or indifferent.

Speaker 1 (25:06):
But we're going to find out.

Speaker 4 (25:07):
So then what you paid the thirteen hundred you picked
it up and let me guess to check engine light
came back on same problem.

Speaker 16 (25:14):
It sure did. So we took it right back down
to them, and they said that the EDR about needs
to be.

Speaker 1 (25:20):
Replaced, and how much did they charge you? Did you
do it? Where are you at now?

Speaker 16 (25:26):
They wanted to charge us another thirteen hundred dollars and
my husband was like, absolutely not, I'll pay for the part. Yeah,
you know, you guys should have replaced it.

Speaker 11 (25:36):
In the first place.

Speaker 4 (25:36):
How much was the part out of the additional thirteen hundred.

Speaker 16 (25:39):
Bucks, Well, they said we didn't pay for a part
in the first thirteen.

Speaker 4 (25:44):
Hundred I understand because they cleaned it. But in the
second bid they gave you. How much was the part?

Speaker 16 (25:50):
They were going to charge us nine hundred dollars for.

Speaker 4 (25:53):
The part for the part, and see, I don't know
how much that part is if that part's legitimately, and
we're going to find out what it goes for. I mean,
if the part's legitterately nineteen hundred and they were only
going to charge you then an additional four hundred for
the labor.

Speaker 16 (26:07):
Again, that's well, you know, and they said they wouldn't
charge the labor. They were discharged for the part and
it would be nine hundred. Well, there's a thing called
the internet. And there's a thing called Kevin at Sheridan's Auto. Yeah,
so he looked into it. In the part he says
it's about five hundred, five hundred and fifty dollars.

Speaker 4 (26:25):
Well, okay, listen, I don't want to get into the
cost aspect of it.

Speaker 16 (26:29):
That's what we say.

Speaker 4 (26:32):
Yeah, so where does it sit now? Is Kevin going
to do it or where are we at?

Speaker 16 (26:36):
It's now? We took us to Kevin's this morning and he's.

Speaker 1 (26:40):
Got it right now.

Speaker 4 (26:41):
Right Hey, hold on, Kevin Cak and Sheridan Auto Tech,
as you've been hearing, I've got Tina on. First of all,
let's talk about an EGR valve. What out when you
pull one to clean it? What do you look for?

Speaker 5 (26:57):
How do you test it?

Speaker 15 (26:59):
Well, there's a fensor. You can test the flow and
if you don't have the proper flow, then you look
for carbon build up or anything like that.

Speaker 1 (27:06):
So there's kind of like a is it like a
map sensor? There's like a screen that can get dirty.

Speaker 15 (27:11):
No, there's not a screen, but it's just a tube
and it runs exhaust through it, so it can accumulate carbon.
That's not uncommon.

Speaker 4 (27:18):
What would fail on one where cleaning would not fix it?

Speaker 15 (27:23):
Well, I mean, well, I guess I didn't understand a question.

Speaker 4 (27:27):
What do you say, well, okay, so an e GR valve,
it's a tube and it can get dirty, so it
needs cleaning. What could happen to it to where if
you removed it and cleaned it, you still might have
to replace it.

Speaker 5 (27:40):
How how do you how do you do?

Speaker 4 (27:42):
How do you pull something out for thirteen hundred dollars
in labor and not realize it's bad?

Speaker 5 (27:47):
That's what I'm asking.

Speaker 15 (27:49):
Yeah, they were, They were just going through the motions
of you know, standard procedure EDR. They did a carbon decarbonization,
they clean tubes. They you know, I don't think, and
I don't know, but I don't I don't think there's
a lot of diagnosis, just kind of following standard procedure
for service of the EEDR, which is not a bad
way of going because there is carbon in there and

(28:10):
things like that. But what we found is MITSUBC put
out a TSB, a service board for this exact problem
in this exact car that before you do any of this,
it needs to be reprogrammed.

Speaker 4 (28:25):
So do you think they actually cleaned it? But they
didn't get it reprogrammed, and that was the issue.

Speaker 15 (28:30):
Well, I'm sure they didn't reprogram it because very few
people reprogrammed.

Speaker 19 (28:34):
It's ABCSH So there's actually a TSB out there, and
for people out there, that's a troubleshooting bulletin saying hey,
if this particular car comes in, this.

Speaker 5 (28:46):
Is what you need to do if it has this problem.

Speaker 15 (28:48):
Right exactly, that's where you start.

Speaker 4 (28:50):
That's where you start with at Mitsubichi according to the manufacturer,
And why what to continue along in that TSB the
reprogramming and literally tell the check engine light the TSB
the update can literally fix it.

Speaker 15 (29:06):
Right, it's the reprogram the ECU to countermeasure software to
correct an issue with the DR valveing.

Speaker 1 (29:12):
Wow, that's crazy.

Speaker 4 (29:13):
Now here's my problem with this t And I know
you want to you wanted to get into pricing. I
don't care how much it costs. Here's my initial gut feeling.
And I want to hear Kevin's. I go to a shop.
I don't care if it's Kevin's, I don't care if
it's one of my old good years. I don't care
if it's a dealership and they say, hey, the problem
is the eger it's going to be thirteen hundred bucks
for us to clean it. And you charge the customer

(29:35):
thirteen hundred bucks and it doesn't fix it, you might
as well charge them thirteen hundred bucks for you know,
a made up part.

Speaker 5 (29:43):
I mean, you didn't do anything. What are your thoughts
on that, Kevin?

Speaker 15 (29:47):
Yeah, you gotta be careful with that. You got to
you know, at least know you're cleaning. There wasn't enough
carbon in there that we saw. You know, this is
not the problem. The problems with programming.

Speaker 5 (29:59):
H See, That's what I'm selling.

Speaker 4 (30:01):
So they wrongly diagnosed it and charged them and then
even better Yet, Tina, your husband was smart, in my opinion,
very smart, because they wanted to charge him another nine
hundred or whatever to do another thing that wouldn't have
fixed it.

Speaker 1 (30:14):
You guys could have been twenty one hundred dollars stuck and.

Speaker 4 (30:18):
Still have to go to the dealership and pay to
get it reprogrammed.

Speaker 5 (30:24):
Who wants this one to me? This is cut and dry.

Speaker 4 (30:27):
I'm hoping the new owners of South Park, I say new,
it's been three or four. I knew the old owners.
I knew the husband and wife. I can't think of
the wife's name. But John I knew very well way
back in the day, twenty five plus years ago, and
this wouldn't have happened under him. I'll tell you that
right now. So I want to know, Dmitri, you want
this one.

Speaker 1 (30:46):
Too, absolutely well, the only one here, So call over,
do me a favor.

Speaker 5 (30:51):
Just call over to him soon and Ann go go ahead, Tina.

Speaker 16 (30:55):
I just wanted to ask Kevin a quick question. So
it wasn't given doing it didn't even give any type
of code.

Speaker 15 (31:03):
We had no data stored, so I don't know they
raised it problem. It was reset, so somebody cleared stuff
that we have no data to go with.

Speaker 16 (31:10):
Yeah, okay, But if it was an EGR valve problem
like they told us yesterday that it now needs to
be replaced, wouldn't it have blown a code today?

Speaker 15 (31:20):
I would have assumed that. Yes, But I again, there's
nothing there for me to be definitive with.

Speaker 4 (31:25):
After you picked it up, how long when you picked
it up from South Park the first time?

Speaker 5 (31:29):
How long did it take for the check engine like
to come back on?

Speaker 16 (31:33):
My son took it home, he didn't go anywhere the
next day, and then he drove to work the following day.
And on his way home from work, so he drove
to work probably ten miles I would say fifteen miles.

Speaker 4 (31:44):
So it could very well come back on another It
could come back on tomorrow, It can come back at
any time. But I think, I think what I want
you to understand is, according to what Kevin's saying, when
you have that problem in this car, you don't start
by clean that eger valve. You start by bringing it
to a dealership or someone that can program amids Subishi

(32:07):
and do whatever updates needed. Because that's a common problem.
That's why there's a TSB. Even how they started the procedure.
It's like going into a dentist and saying, hey, when
I bite down, it really hurts, and they want to
start by cleaning your ears. That's not gonna help. So
that's the main problem. Does that make sense to you?
They literally didn't diagnose it right, no matter what.

Speaker 20 (32:32):
Right.

Speaker 4 (32:32):
So hold on a second, we're gonna have Dmitri. You
understand everything going on?

Speaker 1 (32:36):
Right?

Speaker 6 (32:37):
Uh?

Speaker 1 (32:37):
Somewhat?

Speaker 12 (32:38):
So I was working on it like most discussion, but
I'll call Kevin to get a synopsis.

Speaker 1 (32:44):
Kevin, do you mind if.

Speaker 5 (32:45):
He if Dmitri calls over to you, in a second.

Speaker 15 (32:48):
Anybody but Dmitri.

Speaker 1 (32:51):
Hol I love it.

Speaker 4 (32:52):
By the way, Kevin cak And shared an auto tech
he joins us almost every Friday.

Speaker 5 (32:56):
Right here shared an auto tech. Great people. I don't care.

Speaker 4 (32:59):
If you just need oil change, have an electrical problem
that's got everybody scratching their head, they can fix it.
Or if you need an engine, I don't care. They
guys do everything. The best warranty three year, thirty six
thousand mile nationwide, and they're good, honest people. Everybody hold tight, Mike, Bill, Samantha,
you're up next.

Speaker 9 (33:22):
Go with a sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Time for an insurance check up free, no obligation. In comparison,
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three all three seven
to seven to one help. You'll think you're his only

(33:43):
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two.

Speaker 1 (33:53):
All right, three oh three.

Speaker 5 (33:54):
Seven one three eight two five five We've got quite a.

Speaker 4 (33:58):
Big going on. Is going to make a call over
to there and we'll get that back up. Danielle needs
legal advice, We'll see if we can get an attorney up,
or maybe she's just thinking practical advice.

Speaker 1 (34:08):
We'll find that out.

Speaker 4 (34:10):
The one with Samantha's crazy the commercial lease, I'm going
to bring that up after the break, but I'm gonna
have Frank Durant and Stephanie do something next hour that
I've never asked him to do. They're the best realtors
in Colorado as far as I'm concerned. One of them,
of course, is a Pike's Peakrees region Colorado Springs. Stephanie,
what's you'll go to Pueblo West right.

Speaker 8 (34:30):
Yeah, I'll work out to the mountains like West Creek,
anywhere up in the mounds, absolutely, yeah, Cripple Creek, so
Taylor County, Florsa, Colorado.

Speaker 4 (34:43):
And then Frank, you basically cover everywhere from what Longmont
to Franktown.

Speaker 1 (34:48):
Yeah, basically. It's funny.

Speaker 4 (34:49):
Where I live in the house that you helped me
buy is name Franktown city Mark.

Speaker 7 (34:54):
I think that's a wonderful things, I really do. It's crazy,
and I was so happy to see you buy in Franktown.

Speaker 4 (35:00):
Yes, I know you have a smile every time you
come over. No, it's it's very interesting. I'm going to
get these guys and listen. If you're a realtor out there,
I'm just gonna be honest. You're going to hear some
of the best advice from some of the best. I'll
just say a stat about Frank that I saw recently.
He sells more homes than a month than most realtors
sell in over a year for more money. And I'm

(35:21):
going to ask him what the trick is. And you
know what, I hope you'll spread the love with some
of your competition. But I already know your secrets and
I've actually witnessed them.

Speaker 1 (35:30):
But I'm gonna make you pull your skirt up.

Speaker 12 (35:34):
Well, well, we'll just stop and write the stings mark,
all right, So everybody hang tight, I promise.

Speaker 4 (35:40):
And we've got a question about the all in one loan.
But we're gonna hop right back to the phones right
after this. A lot cooking to day on the Troubleshooter Network.

Speaker 9 (35:50):
Go with a sure thing Denver's Best roofer Excel roofing
dot com. You don't pay a cent until you're content.
Time for an insurance check up free, no obligation. In comparison,
call Compass Insurance. Pay too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer

(36:12):
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 3 (36:20):
Yeah, ripped, you need advice? Who you don't have to.

Speaker 21 (36:32):
Come?

Speaker 3 (36:32):
Run anxious as fast as we can. Shooter's gonna help.
Come man, this is.

Speaker 1 (36:40):
The Troubleshooter Show.

Speaker 4 (36:42):
No Tom Martine, welcome my friends to the only show
off this game.

Speaker 5 (36:47):
We're here to solve problems, answer questions, take complaints.

Speaker 4 (36:50):
Make your life a little bit better. A goodness, gracious,
you know I love doing this. I love helping people.
I love when things are solved. Let me ask Depity
d something. We talked yesterday to an older woman that
was in distress because her husband died.

Speaker 5 (37:08):
The anniversary was coming up this week.

Speaker 4 (37:10):
I believe of his death a year ago, and basically
she was saying that the old folks Home or maybe
even the health facility. I forget a nursing home was
actually just not paying attention and basically bruising them and
doing different things. She was basically saying it was not

(37:31):
a good situation. And you talked to her afterwards, right, Yeah.

Speaker 1 (37:36):
I gave her a call to that.

Speaker 4 (37:37):
And there was a guy named Michael involved there who's
a power of attorney and he's a VA helper. She
actually called into the VA or her husband, her deceased
husband was former military and he was part of the
veterans stuff, and basically because of that, she reached out
to the Veterans Administration and they put her in touch

(38:00):
with a volunteer who is Michael, and Michael since that
period of time, I assume has become her representative, but
I'm not quite sure.

Speaker 1 (38:09):
What did you find out? Well, I spoke with the
with the elderly lady, and you know, at the beginning
of the call, she was really with it.

Speaker 12 (38:16):
She said, everything is going just great. I made sure
that I asked her if she's receiving her bank statements
and if she's actually opening them up to see if
there's any change. She assured me that she does get mail,
she looks at her bank statements.

Speaker 1 (38:29):
She hasn't noticed any unusual changes. Good.

Speaker 12 (38:32):
She did tell me that this gentleman actually did. You
may recall she actually called us a few months ago.

Speaker 1 (38:37):
I remember we were going to go out there. Yeah,
he was about to get a power of attorney and
he was working with.

Speaker 12 (38:42):
His lawyer to draft I remember. So she said, that's
actually an effect she has. I said, why does this gentleman. Now,
I have no reason to believe this gentleman is doing
anything wrong, but you know, I just wanted to see
what's going on because it sounds kind of unusual. Said,
why does he need a power of attorney?

Speaker 1 (38:58):
Well, she has no kid, she has no family, she
has nothing. Well, but the question still remains. Well, I'll
give you what I want to give you an idea.

Speaker 4 (39:07):
Hold on a medical power of attorney, for one, if
she's on a ventilator, someone they have to go to
with the instructions of what to do. And then the
financial power of attorney. Under the same circumstance, she has
a mortgage payment, she has something going on. I mean,
what do you do. Someone's got to be there. If
you have no kids, no spouse, no nothing, someone's.

Speaker 1 (39:27):
Got to do it. Well, I agree with all that.
You're absolutely right, I know.

Speaker 12 (39:31):
But her answer, her answer to my question was because
she doesn't want to get ripped off. Yeah, and it's
not clear to me how this gentleman's having a power
of attorney will keep her from getting ripped off.

Speaker 4 (39:42):
Well, okay, I just need to know I'm not suspicious, Mark,
That's what I was looking for.

Speaker 1 (39:47):
You think everything's on the up and up. Yeah, I
don't know.

Speaker 5 (39:50):
You said it.

Speaker 1 (39:51):
To the beginning of the call. She was fluid, and
then she really deteriorated because she's really distraught about the
fact that she lost her husband a year ag. She's
really lost, she's lonely, she's very able to she want
to well checked bias, you know. Uh, No, everything is
going great, all right, Well, she has our info.

Speaker 12 (40:10):
She has my private numbers, is our studio line, and
I plan to give her a call in a couple
of weeks to see how she's doing. But what bothers me,
and this is not an indication of any wrongdoing. Michael
did not return my call, and I didn't call. I
made it very clear. I called this and left of
detailed voicemail and I said, look, I just want to
make sure this lady is okay. I wanted to keep

(40:31):
Rao has some insight from you about what's really going
on with him.

Speaker 4 (40:35):
It is kind of interesting why he's not returning your call.

Speaker 5 (40:39):
What does the voicemail sound like?

Speaker 12 (40:41):
Oh, it's it's a residential voicemail. So it says you've
reached so and so. A man and woman's name is
Mike Michael. I think yes, And I did look him up.
I was able to drag down his last name. I
figured out where he lives. I looked at that he
lives over there, kind of like and not far away
from her.

Speaker 4 (40:58):
Yeah, so she's out a house, lives by herself somewhere.
I think I want to say, you know, Larsboro to
Colorado Springs, palmer Lay.

Speaker 1 (41:05):
Yeah.

Speaker 5 (41:06):
Yeah, Hey, she's gonna have a Bucky soon.

Speaker 1 (41:09):
Care something on the wayback from getting the bag of
beaver nuggets. Yeah exactly.

Speaker 5 (41:15):
Well I'm glad. I'm glad for that update.

Speaker 4 (41:17):
I had a people emailing me going, whatever happened there? Well,
there's there's where that stands until she calls it next time,
and uh, you know, we look forward to her calls.

Speaker 5 (41:26):
I'll let everybody know when the line's open.

Speaker 4 (41:28):
But I want to go back to Frank and Steph
real quick, Samantha, you're up next, I promise, But guys,
give me a secret staging a house. When you sell
a house, Frank, let's just talk about real stuff. When
you sold my one in Castle Rock, you had one
hundred thousand people virtually walk through it between Friday and Monday.
That back then, I mean, that's going back ten plus

(41:49):
years now. I believe the technology was the Matter Horn
Matter or something like that three D walkthrough. Right now,
we have the fly throughs, the fly through you sent
me the other day on that house. Have you guys seen, Stephanie,
have you seen a fly through? They take these drones John, Dimitri,
Suzanne and they program them.

Speaker 1 (42:11):
In each house. I don't know how it works.

Speaker 4 (42:12):
My guess is they probably hold one thing, whether it's
their phone and walk through and then they set the
drone free to go in.

Speaker 5 (42:20):
It is absolutely amazing.

Speaker 10 (42:22):
Then.

Speaker 4 (42:22):
I'm sure it's got some kind of AI to it.
I'm positive of it, and it looks better than any
of the old walkthroughs like I was talking about. But
what it did for my house, and this is really important.
People are like, oh, well, I can go to Redfin
and only pay a half a percent. Okay, Well, if
your house is worth a million dollars, because math I

(42:43):
want to use simple math, that would be half a percent,
would be five grand, I believe. So do you want
to pay five grand to sell it or do you
want Frank or Stephanie to come in? That is going
to be a higher percentage. But they sell it for
one point five million. I mean, that's how silly it
is to argue to argue over a percentage. Why do

(43:04):
you care? What you care abouts? Do you get more
money for your house? You put more money in your pocket.
The bottom line is I want to put more money
in my pocket. Yeah, that's how it works when you
sell a house. So those companies you think they do
a fly through? Hell no, what else do you guys do?

Speaker 1 (43:19):
Frank?

Speaker 5 (43:19):
I know when you did our house? Was it just ours?
You actually send in a maid service?

Speaker 7 (43:25):
No, we do that on quite a few properties. Mark
and we did a lot of studying on the market dynamics.
I was looking for where the most likely buyer was
coming from for your property.

Speaker 4 (43:34):
Like, okay, well dive into that a little deeper. What
does that mean? How do you find out? Because the
cost of it because it's in the suburbs, because it's
Castle Rock.

Speaker 1 (43:44):
I mean, what are you looking at?

Speaker 7 (43:45):
So I researched the trends of the area, and I
have some software that helps me do that too, and
we were able to determine that the typical buyer for
your home already lived within a ten.

Speaker 1 (43:54):
To fifty mile radius.

Speaker 7 (43:55):
So we pinpointed that radius and aggressively pursued those buyerstential buyers.

Speaker 4 (44:00):
And that's where you sent out all this stuff, not
just on Zilo, realtor dot com, Facebook, everything.

Speaker 1 (44:06):
Well that's besides the point.

Speaker 7 (44:08):
Those we do that as well, but we were pinpoint
and specific buyers.

Speaker 1 (44:11):
So that's how we hit those people like actual people,
actual people. Yeah, we were literally hitting like over one
hundred thousand people.

Speaker 4 (44:19):
Now then you send them, yeah, basically my fly through
or I'm sorry, back then the walkthrough.

Speaker 7 (44:24):
Now it's the fly through, right, but you're right in
today's times, and so we were able to hit literally
over one hundred thousand views that way. We played a
mass numbers game and created more demand on the property.

Speaker 1 (44:35):
And then we had that Monday.

Speaker 4 (44:36):
That Monday, we had twenty or thirty listen to this
that Monday twenty or thirty bona fide offers. And then
that's where the real magic comes in from what Frank does.
So he underpriced our house. Let's say the house was
supposed to sell for a half a million, he listed
it at four fifty. And you remember that call. I
called Frank up. I go, you're nuts. I said, why

(44:58):
that I could every house at What do you doing?
He goes, do you trust me or do you trust me?
I was like, okay, I trust you. So he sets
it at a lower price. Does everything we talked about.
Next thing, you know, we have thirty bona fide offers.
But then what do you do? Then the magic comes.

Speaker 7 (45:14):
Yeah, So we talked about negotiation and just some basic
ones negotiation, time, pressure, information power, walkaway power. If we
could position you where you're in a position of strength,
mark you have a better position to not only negotiate
a better price, but position you better when we get
to the inspection negotiations as well. So we had a
very strong plan going in and squeezed out the max

(45:36):
price of the market.

Speaker 1 (45:37):
So then the bidding war starts.

Speaker 4 (45:39):
John and these thirty people that all want to house
for four point fifty start bidding against each other basically,
and next thing, you know, I'm way over the five
hundred thousand that I wanted for the house. In fact,
that model, that same model and the rest of red Hawk,
it was red Hawk, Colorado or Castle Rock sold for
more than any of the same model. I mean, it

(46:00):
was remarkable. But I'll tell you, Frank, it is a
little nerve wracking when.

Speaker 1 (46:03):
You come in and go, oh, we want to listen
to this.

Speaker 5 (46:05):
No, it is you got to have the faith.

Speaker 1 (46:07):
But mark good faith. This is a funny thing. We
have one. We just did that on and came out
very well. My seller was extremely happy.

Speaker 7 (46:13):
I had another one, very similar model. They were asking
a million thirty at the time. They've been on the
market for forty one days. We priced ours just under
a million, nine nine ine nine point nine sold it
for a million seventy one thing of that. So then
the neighbors saw what we did and they copied our
formula and then put their price at nine ninety nine.

Speaker 1 (46:29):
But I don't know that they'll get that price because
they hung on the market too long. Because it's stale.
They got stale.

Speaker 4 (46:33):
And then Stephanie, we were talking to you at dinners.
Susannah and I not long ago. I didn't realize you
had like a little mini warehouse of furniture when.

Speaker 5 (46:42):
You go in in stage.

Speaker 1 (46:43):
Is that a big deal?

Speaker 6 (46:44):
I do so.

Speaker 8 (46:45):
I don't do like a full house, heavy, heavy couch
host things like that. But I will go in and
optimize each of my listings so that they look their
best online. Ultimately, I do a lot of online marketing
as well, so we get a really strong buyer response.

Speaker 5 (46:58):
And that's what a lot of people do.

Speaker 4 (47:00):
I don't know when they look at redfin and they
look at this other stuff, they truly don't understand. They
truly don't understand what you're getting for that percentage. I mean,
you really don't. All right, I gotta take this break.
Three oh three seven one, three eight, two five five.
I got some open lines three oh three Martino.

Speaker 9 (47:22):
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time for an insurance check up, free, no obligation comparison
call Compass insurance paying too much your coverage at dozens
of insurance companies find out now three oh three, seven
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(47:44):
customer when you choose Frank durand the real estate man
dot Com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two.

Speaker 1 (47:58):
All right, three oh three seven on three eight two
five five three.

Speaker 4 (48:01):
Zero three Martino. I'm going to go right to Samantha.
This landlord issue has got me pretty upset. I'm not
quite sure where to do with it, because I guess
legally we had I think we had Brad O'Brien on
and she's gonna have to hire an attorney. But they
want two hundred thousand dollars to buy out.

Speaker 1 (48:20):
Of this lease.

Speaker 4 (48:21):
I saw the newest paperwork. But let me kind of
give you the bottom line story of what happened. She
called in a couple of weeks ago, maybe a little longer.
But they have a business, a tire shop, and they
also sell wheels, and they were going to expand into
another one, and they found one and rented it. And
you can actually look at the lease and it's to

(48:42):
sell tires. It basically says it's going to be so
and so tire store to sell tires. Well, they go
to move in, they sign the lease, they go to
move in. They find out it's not zoned properly for uh,
basically auto repair, well not necessarily auto repair, but it's
not zoned properly to install tire, I guess, is the
way to put it. They can sell tires in wheels,

(49:04):
but they can't install them there. They can't put the
equipment in. They simply can't do it. So they're like, okay,
well what do we do. We just signed this what
was it a five year lease, Samantha?

Speaker 1 (49:14):
Three year? What was it? Samantha?

Speaker 11 (49:19):
Oh my yes, I could sear you.

Speaker 22 (49:20):
Can you hear me?

Speaker 18 (49:21):
Yeah?

Speaker 1 (49:21):
I can hear you?

Speaker 5 (49:22):
Now, So what was it?

Speaker 1 (49:23):
How many year leaves? It's a four year lease, so
a four year.

Speaker 4 (49:28):
Lease, and but they can't do anything with it. So
she reaches out to the broker, who eventually, I guess
gets with this what i'll refer to as a very
bad landlord and that's my opinion. Reaches out to this
person and they're like, well, too bad, so sad. And
then Samantha is like, well, I found out that if
we get it rezoned, and you guys were willing to

(49:50):
pay for the rezoning, right, Samantha.

Speaker 21 (49:54):
Well, no, they we didn't discuss who was going to
pay for it. They didn't even give me the option
to even try to.

Speaker 22 (49:58):
Do the rezoning, ok, fight because they were not going
to do it.

Speaker 4 (50:01):
They flat out said they weren't going to rezone it. Now,
if Samantha was going to pay for the rezoning, I'm like, well,
why wouldn't they rezone it? Why would they give a crap?
I mean, honestly, they leased it out for four years.
The rezoning is not going to change anything derogatory to them.

Speaker 12 (50:18):
Well, Mark, you brought up a good question. Why wouldn't
they So, Samantha, do you have any insights from your
landlord and the management company why they fight? They want
to fight the rezoning attempt.

Speaker 21 (50:30):
So I have actually sent you by as an email
with the email that they told me that they would
not rezone it. They never gave me a reason. They
simply stated that the landlord was aware that we couldn't
have a tire shop there and that he wasn't willing
to rezone. And the other thing I wanted to say
is I can't even sell the tires and wills there.
The city said selling of tires and wills is considered

(50:52):
a tire shop.

Speaker 1 (50:53):
Now, wait a second, wait, wait, wait, what is that? Wait?

Speaker 4 (50:56):
Wait, that brings up something interesting. What does the action
will least say you were going to do with the property.

Speaker 5 (51:02):
I want the exact verbiage.

Speaker 21 (51:05):
The lease states that we are selling and the retail
sales of tires and wills.

Speaker 1 (51:11):
See and when we had our when.

Speaker 4 (51:12):
We had our attorney for people listening, we had our attorney,
Brad O'Brien, and I want to revisit this now that
she told me that when we had him on he
pointed to another part in the lease that basically it's
kind of like as is when you buy a car.
This lease is as is, and they're saying, well, too bad.
So said, you might have told us you wanted to

(51:34):
sell tires, and we might have said that was what
you were going to do on the lease, but it
doesn't matter. If you're not allowed to sell tires, then
you still have to pay us for the lease.

Speaker 5 (51:43):
That's kind of how we explained it.

Speaker 1 (51:45):
I want to.

Speaker 4 (51:46):
Get a little deeper into that with Brad O'Brien, Kelly.
I want to get him back in because now I
thought the problem was that technically the lease said they
were going to be selling rims and tires, not installing.
I'm selling them almost like a warehouse shipping them out,
not like a discount tire where they install them.

Speaker 1 (52:05):
But why would this guy, and you know what, this.

Speaker 5 (52:08):
Is my opinion. What's his name? What's the owner's name?

Speaker 4 (52:10):
Or what's the group's name?

Speaker 1 (52:16):
What's his name?

Speaker 23 (52:17):
So's Sam Leger.

Speaker 4 (52:21):
Does anybody out there listening know this Sam leader character
on his voicemails?

Speaker 12 (52:25):
It's pronounced, he pronounced. It's Sam Lager Ledger. How do
you spell it?

Speaker 20 (52:29):
Oh?

Speaker 1 (52:30):
Sam Ledger l E G E.

Speaker 4 (52:32):
R Sam Ledger. Now what who is this guy? Unique Properties?

Speaker 1 (52:37):
Unique?

Speaker 12 (52:37):
So he apparently is the CEO of not only Unique
Properties but also Ledger Property Group LLC.

Speaker 4 (52:43):
Here's what I want to know, CEO of Unique Properties, Denver, Colorado,
with your two thousand plus followers on LinkedIn, I want
to know, what do you expect her to do? Why
won't you rezone it? Why won't you communicate with us?
You've called off air right.

Speaker 12 (52:59):
I called and called and called, including three times during
today's show, and I put a cell number Mark, I
called his private line.

Speaker 1 (53:06):
I called a cell number, and I called the management company.
Nobody takes my calls?

Speaker 2 (53:09):
Why?

Speaker 1 (53:09):
Why?

Speaker 5 (53:10):
What will they even talk to you.

Speaker 4 (53:11):
Besides had email at this point, Samantha.

Speaker 21 (53:15):
The only thing they have talked to me about is
what they want for me to pay.

Speaker 1 (53:19):
Now, listen to this. Did you see what the buyout is?

Speaker 2 (53:21):
Yeah?

Speaker 1 (53:22):
It was over two hundred thousand dollars.

Speaker 4 (53:23):
Two hundred thousand dollars. Over two hundred thousand dollars want
me to pay?

Speaker 1 (53:28):
You know what?

Speaker 5 (53:29):
Sam?

Speaker 1 (53:29):
To me?

Speaker 5 (53:29):
To me, Sam, You're a scumbag. You know what?

Speaker 1 (53:32):
I don't understand.

Speaker 4 (53:33):
If you came on and said, Okay, if she pays
for rezoning, fine, or we can't rezone it for this reason,
why would you let her hang out to dry?

Speaker 1 (53:42):
You know it's gonna put her in bankruptcy?

Speaker 4 (53:45):
What it's gonna put her business, her family and bankruptcy.

Speaker 1 (53:48):
Sam, For the.

Speaker 4 (53:49):
Life of god, why what?

Speaker 1 (53:52):
What reasoning is there? Well, you know it goes beyond that.

Speaker 12 (53:56):
In my view, I think he's the company is better
off collecting a month year after year after year.

Speaker 4 (54:02):
Hey what two hundred How many people can come up
with two hundred thousand dollars, Sam Ledgers, She's a small business.
Who's gonna come up with two hundred thousand? You want
to put her and her family in the freaking ditch.

Speaker 1 (54:18):
I'll keep trying to reach him.

Speaker 9 (54:23):
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dot com.

Speaker 17 (54:27):
You don't pay a cent until you're content.

Speaker 9 (54:32):
Time for an insurance checkup free no obligation comparison call
Compass Insurance. Pay too much your coverage at dozens of
insurance companies find out now three oh three seven seven
to one help. You'll think you're his only customer when
you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two.

Speaker 4 (54:57):
So I want to educate people really quick and something
just out of the blue.

Speaker 5 (55:01):
And this is for attorneys listening out there.

Speaker 4 (55:03):
Slapsuit. Do you know what that is? You guys know
what that is? Johnny, Ever heard of a slapsuit? Now,
let me tell you what a slapsuit is. A slapsuit
is when someone states an opinion, like I have an
opinion right now of Ledger properties, and they get one
of their big time attorneys to come after you saying, oh,
he was talking bad about us. But really what it
comes down to is on the merit. The goal basically

(55:26):
in a slapsuit is to crush my own opinion. Okay,
they want to crush my opinion, and we've had lots
of them.

Speaker 5 (55:34):
In fact, Tom has.

Speaker 4 (55:36):
Picked up a lot of property over the years because
of attorney's feest. So bring it on, Ledger. You know what,
because I looked you up a little, I see you
own a lot of property. Please bring it on. I
can have an opinion all day that you're treating this
woman horribly, absolutely horribly, and I'm going to let everybody
I ever run into. In fact, I'm gonna warn our listeners.
In that lease, it says what she's gonna do. Now,

(55:58):
I understand it's like as lease, but I'm gonna get
Brad O'Brien back and possibly involved. But for a man
that makes probably as much money as you do. And
once again, I'm creating or informing of everybody of my
opinion of you for you to try to shake her down,
and that's what I'll call it, because in my opinion, Ledger,
that's what you're doing. You're gonna force her into bankruptcy

(56:19):
over this deal, and I think it's horrible. I don't
understand why you won't simply attempt to get it rezoned
or give us an idea. Why you won't She told
you and told you're broker who. I'm sure I want
to find out who the broker is to. I'm sure
he got a big fat commission on this. I bet
he got a really big fat commission on this. So,
mister broker, I'm not very happy with you either. You're

(56:42):
shaking her down on a four year lease. Everybody knew
they were gonna sell tires. My god, she owns another
tire store. Then to find out she can't sell tires
and according to the caller, it doesn't even have anything
to do with installation now, like being in an automotive shop.

Speaker 5 (56:57):
Now, it's got to do with one thing.

Speaker 4 (57:00):
He literally can't sell tires or rims out of there,
even if they're boxed up, according to her.

Speaker 1 (57:05):
So for everybody out there.

Speaker 4 (57:06):
Listen, slapsuit slapp So if you got attorney's listening ledger,
please have them google that, because if you do come
after me, maybe I'll own that building. It's ridiculous. Why
wouldn't you rezone it? Why wouldn't you help her find
another building? If you own all these properties. For the
life of me, I don't understand. Please, you don't have

(57:28):
to respond to us on air, but you're not talking
to her according to her, and we've left you how
many messages off air?

Speaker 1 (57:35):
At least three today and at least three or four
during the time.

Speaker 4 (57:40):
I want to find the numbers that he advertises on
the billboard because I want to help him. I want
to help people know what number to call if they
want to lease something from you, mister Ledger. That's what
I want to do. So when someone gets here, anybody
driving in their car right now that sees what does
it say? What's the name of it? It says Sam Ledger,
CEO of Unique Property. So if you see a Unique

(58:01):
Properties billboard out there, please take.

Speaker 1 (58:03):
A picture of it.

Speaker 4 (58:04):
I would like to know the exact website on it
and the phone number they're advertising.

Speaker 1 (58:08):
Because i'd like to help them. How's that?

Speaker 4 (58:12):
Three oh three seven one three A two five five.
I've got to get off that topic now. I literally
have to get off that topic. I cannot believe someone
would do that to somebody else. I can't believe it.
I agree it's probably legal, How's that? But I still
think it's unethical in my opinion, Josh, what's going on

(58:36):
with you.

Speaker 22 (58:40):
Josh out there, Oh, yeah, how you doing?

Speaker 5 (58:43):
I'm doing it.

Speaker 22 (58:45):
So I had a DUI a year ago. I'm trying
to get an interlock device because I'm just now accepted
to get, you know, a restricted license, and I'm I've
done a lot of research on the three major carriers
here in the area. It's a life safer, a smart start,
and then talk the lock or.

Speaker 4 (59:06):
Are they all accepted by the court, Josh, none of
them really matter which one you go with.

Speaker 5 (59:11):
Doesn't it just come down to costs?

Speaker 22 (59:12):
But I don't know, no, no, no, no, they are all
accepted and they're all pretty much generally the same cost.
It's just I've done my research and I've I've gotten
thousands of negative reviews on all all three of them.

Speaker 1 (59:26):
Oh my god, Josh, think about it.

Speaker 4 (59:28):
Who would write a positive review about something that makes
you pull over and you know, do a breath at
the computer's whim. And coming from the automotive business, when
I had my shops, they were a true pain in
the ass. Someone comes in, even just for an oil
change and has one and it goes off.

Speaker 1 (59:46):
You got to run.

Speaker 4 (59:46):
You got to find the customer because you know, we're
not going to blow into it for them. I mean,
they're truly a pain in the ass. I wouldn't I
wouldn't even care about reviews. Who's going to review it
and say, oh, this is the best device I've ever had.

Speaker 1 (59:59):
In my vehicle. You know, I'm saying no.

Speaker 22 (01:00:01):
I totally understand that, and I think there's a lot
of validity to that. But what I'm getting at is
the type of reviews like terrible customer service there.

Speaker 4 (01:00:10):
I'm telling you you're gonna find that with all of them.
But here's what we can do. Let's ask our criminal
defense attorney, Joseph A. Lazara has dealt with probably one
thousand to ten thousand d uuys, and he's going to
know all these companies and he's going to have feedback
over the year from his clients. For sure, Kelly, can
we reach out to Joe and ask him?

Speaker 24 (01:00:31):
If you remember, he's in court all day today.

Speaker 18 (01:00:35):
Let's leave him going ahead, probably answer by text Mark,
I'll text him ask, let's do that.

Speaker 4 (01:00:40):
Here's what we'll do, Josh, keep listening. We're going to
text him and he'll text us and court. He just
can't come on the phone. And you know when he
gets to step out or go to lunch. So keep listening,
but we'll find an answer for you. And if you want,
leave Kelly your email and she'll email you the answer to.

Speaker 22 (01:00:57):
All right, okay, great, thank you, thank you so much.

Speaker 4 (01:01:00):
You're very welcome. I mean, it's one of those things.
It's like, Dmitri, you're in the trash business. How many
people leave a good review over their trash company?

Speaker 12 (01:01:09):
Almost nobody? Almost nobody, God forbid. You don't pick it
up one day or a couple of hours late, or
something spills out of the truck, you're done.

Speaker 4 (01:01:16):
Yeah, you're done. So I mean, it's one of those things.
I understand what he's saying. There's still probably better companies
than others, but it's not one of those companies i'd
ever look at reviews to go to. I mean, I
just simply wouldn't look at reviews for that. We're gonna
have one line open in a second. Three oh three
seven one three eight two five five. Now, Mike, Mike
has got a question, and we actually have one of

(01:01:38):
our experts of Pat Jolliffe, who is with Wave eight Capital,
and that's Waveeightcapital dot com. But Mike, you called up
yesterday and I'm gonna have Dmitri because he did some research.
But Pat, basically, there's a couple questions that go into this,
this one particular company.

Speaker 12 (01:01:56):
Go ahead, Yeah, Mark the gentleman called us yesterday because
he was offered some bonds that are being sold by
an energy company.

Speaker 1 (01:02:04):
What's the name of the energy company? He needs something?
And I have no reason to believe they're doing anything wrong.
I did.

Speaker 12 (01:02:10):
I did find them. It's like Phoenix Energy or Phoenix
something like that. And Pat, they were gonna pay what
what is the advertising nine perspective nine to thirteen percent?
And I actually, you know, read not not every word,
but I found their eighty five page perspectives for this
for these bonds and several series of bonds. So the
quick ones are nine percent and then the longer ones

(01:02:32):
that are further out or.

Speaker 1 (01:02:33):
For thirteen percent. And you know what I read? Kind
of are they junk bonds?

Speaker 25 (01:02:40):
Oh?

Speaker 12 (01:02:40):
I think they're beyond junk bunds, right, because junk bonds
don't yield twelve percent?

Speaker 4 (01:02:45):
But what's the average a yield? Now, in fact, Pat Jolliff,
what's the average yield on a good bond? Five percent?
Six seven?

Speaker 23 (01:02:51):
What?

Speaker 8 (01:02:51):
No?

Speaker 1 (01:02:51):
In a junk Yeah, I'm not talking on a drug
for corporates.

Speaker 5 (01:02:55):
I'm sorry.

Speaker 26 (01:02:57):
Yeah, getting the five to six percent on corporates.

Speaker 1 (01:03:00):
Yeah, okay, how about junk? How about a typical junk bond?

Speaker 26 (01:03:04):
Pat, My allies don't deal with them very often, but
they can get up there. You know, we stay out
of the lower rated.

Speaker 1 (01:03:13):
Pat tell us the difference.

Speaker 5 (01:03:14):
What makes something a.

Speaker 26 (01:03:16):
Junk bond, Well, it's a credit rating, and so bonds
or deventures essentially are non collateralized notes your lender when
you're buying a bond, right, so how you get your
money back is based upon the credit and the claims
paying ability of the issuer of the bond. I mean,
all a bond is is a note.

Speaker 1 (01:03:35):
It's I owe you.

Speaker 26 (01:03:37):
So the issuer is going to say, hey, look, if
you give me a thousand bucks and I hold it
for five years, I'll pay you whatever interest rate for
the time period, and then at the end of the
time period, I'll give you the money back if If
that's right, And the higher the industrate, there's a reason
why the interest rates are higher and why they get
into junk status. Why because the credit rate credit rating

(01:03:57):
is not good and it's an associated risk that you're
taking with the issuer.

Speaker 4 (01:04:01):
So, Mike, I want to circle back to I want
to circle back to the caller. Now, Mike, what questions
do you have for our expert? I mean, basically, you
know you've got the information on it.

Speaker 1 (01:04:12):
Now what are your questions?

Speaker 10 (01:04:15):
Well?

Speaker 2 (01:04:16):
Is it a legit company? And is it a good investment?
And is debt securities the same thing as corporate bunds,
which is what you go ahead pat.

Speaker 26 (01:04:31):
Not necessarily and so you've got to be really careful
in that marketplace. I mean, you can get into companies
that are doing what's referred to as factoring, where they're
selling notes and getting money in so they've gotten correct
collect the cash and then factor receivables for medical practices
and so forth. There was an issue with a company
by the name of Medical Capital years ago that ended

(01:04:51):
up being a Ponzi scheme. So you know, you and
particularly with pressure on interest rates particularly coming down now,
you're going to have face value suctuations and bonds as well.
So there's I would be happy to look at whatever
paperwork you have. My guest is it's a private issue.

Speaker 1 (01:05:09):
No, it is a private issue.

Speaker 2 (01:05:12):
I don't have any paper I don't have any paperwork,
but it's called Phoenix O.

Speaker 4 (01:05:17):
Mike, Mike Dmitri has already looked at the perspectus and
it is basically telling you he wouldn't do it.

Speaker 12 (01:05:23):
Yeah, you know, so one of the so to answer
Pat's question, it is a private placement and it's being
offered and it's it's not a registered security.

Speaker 1 (01:05:31):
So it's being offered to Pat. What is that term
qualified investors? Is that? Is that the term?

Speaker 25 (01:05:36):
Yeah?

Speaker 26 (01:05:37):
The so in order to be a qualified investor, your
net worth not counting your home has to be two
point two million or more. To be a qualified investor.
That's a RAGD offering. It's it's a limited registration and
exempt from from u BO blown registration. It's already you know.
It's just that they're they're not regulated anywhere near where

(01:05:58):
any publicly traded secure he would be. And so I'd
be very very careful.

Speaker 4 (01:06:02):
So, Mike, do you even are you with the exception
of your house, are you worth two point two.

Speaker 2 (01:06:10):
No more like two hundred and fifty thousand.

Speaker 4 (01:06:16):
It's that you can't even you can't even qualify. They
won't even take your money. Man, you have to prove
you have two point two not including your primary residence.

Speaker 26 (01:06:25):
Well, I told as investor, it's.

Speaker 2 (01:06:28):
They have two levels of investing. One is for people
with one or five million dollars or more, and one
is for people with five thousand dollars or more.

Speaker 12 (01:06:41):
So, look, there's a there's a reason that I would
personally stay away from it. I saw I read there
you limited financials in this perspective. They already have one
point one billion dollars in debt.

Speaker 4 (01:06:53):
Yeah, Mike, I don't even want to go down this
road anymore, Mike. I mean the answer is all of
our opinions are stay far away from it. I mean,
when when someone's telling you they're going to pay you
thirteen percent on something private like this, if they don't,
they don't, there's nothing you're going to do about it.
I mean, that's it. They simply don't and your money's gone.

Speaker 2 (01:07:14):
Well, they told me I could opt for seven hundred
eighty dollars a month the first year.

Speaker 5 (01:07:20):
I don't know where to go with him.

Speaker 4 (01:07:21):
I mean, honest to god, Pat, I'm just going to
put Honestly, I'm going to put him on hold, and
I'm going to let Pat finish up and hopefully Mike's
listening because Mike wants to do it. So, Mike, if
you really want to do it, I mean, I guess,
go ahead and do it. But Pat, please, I'm just
a little frustrated, not necessarily you, Mike, but.

Speaker 1 (01:07:39):
Because of a previous call.

Speaker 4 (01:07:40):
But I also feel like you're not listening, Mike, So
Pat please, Yeah.

Speaker 26 (01:07:46):
I would just say that you want to be very
lar off something like that. It doesn't matter what somebody
promises you in a cash flow for your investment. That
can dry up too. The promise is worth the person
that's issuing the paper, and so oh well, I would
clear that's my cloud.

Speaker 5 (01:08:03):
I don't know how else to put it.

Speaker 10 (01:08:05):
Mike.

Speaker 4 (01:08:05):
If you want to take that one hundred and ten thousand,
call up Pat. Have a conversation with Pat. See what
these guys can do for you. They're not going to
promise you though thirteen percent if they can't deliver it.
I mean, just that's what I would do. I'd call
up Pat and wave eight wave Eightcapital dot Com. I mean,
what else can I say? Tom's got his money in there, Mike,

(01:08:25):
Tom's money, and Tom's made a lot of money over
the years. That's where Tom's money is okay? Am I
correcting that?

Speaker 10 (01:08:32):
Pat?

Speaker 26 (01:08:33):
Yep, you got it?

Speaker 4 (01:08:35):
So hey Pat jalif I do appreciate you coming on,
and Mike, I really hope you listen. If you don't
listen to my advice or Dimitri's advice or Pat's advice,
just be careful.

Speaker 1 (01:08:44):
It's risky. It's risky at best.

Speaker 9 (01:08:52):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com.

Speaker 17 (01:08:56):
You don't pay a cent until you're content.

Speaker 9 (01:09:02):
Time for an insurance check up free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three all three seven
to seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
all three nine two zero sixteen twenty two.

Speaker 1 (01:09:24):
All right three oh three seven one three a two
five five.

Speaker 4 (01:09:28):
I'm learning more about unique properties as we go along,
but I'm not going to get back into their My
heart might blow out of my chest, But I still,
for the life of me, cannot understand what this woman's
supposed to do now so in the lease once again,
and it's obvious the broker and it's obvious at least
as far as I'm concerned in my opinion. Uh this
Sam Ledger, Guy L G E R CEO Unique Properties.

(01:09:52):
They knew she was going to be doing a tire store.
I mean, that's it. I saw the lease and now
she finds out she can't sell tires, can't sells rims.
The only way she can get out of this four
year commercial lease is basically they're asking for two hundred
thousand dollars to buy out of it. Two hundred thousand dollars.
She has another shop. I don't know what they expect.

(01:10:14):
I need to talk to Samantha again. I don't want
to do it today because I'll probably die, but we
need to talk to her again and come up with
a game plan because I want to figure something out
for her. I'm not going to let this one go.
You know what, I don't care if it's legal or not.
And I mean that I can still form an opinion
on it there, Sam, and I'll form an opinion every
day for the rest of my life on it, and
all I need to know, honestly, honestly, if there's a

(01:10:37):
reason why you should try to squeeze her for two
hundred thousand dollars and not just simply rezone.

Speaker 1 (01:10:42):
Please let us know.

Speaker 5 (01:10:44):
We have left so many.

Speaker 1 (01:10:45):
Messages for you and the broker. Just give us.

Speaker 4 (01:10:48):
Something, and according to the caller, you won't give her
a reason why you won't rezone it.

Speaker 1 (01:10:53):
If she pays for it.

Speaker 4 (01:10:54):
Now listen, I'd even say I don't even think you
should repay or you should pay for it. Well, I
don't know if I think that way. I'd have to
read the lease more clearly, but I will say this,
if she's willing to pay to rezone it, why not
I doubt she could even afford it, So why wouldn't
you even offer that you would probably have the exact

(01:11:14):
same outcome. Because in order, let's just take Denver Metro
and I've done it numerous times to turn a warehouse
into an automotive shop. Oh man, you have no idea.
Three hundred thousand, easy, three hundred thousand.

Speaker 5 (01:11:28):
I've done it.

Speaker 4 (01:11:29):
So why don't you at least give her the option
or do something? Instead of saying no, it's going to
be two hundred thousand dollars, I refuse to let you
rezone it and that's all according to her.

Speaker 1 (01:11:38):
Sam Ledger.

Speaker 4 (01:11:39):
Please three oh three Martino, three oh three Martino, please
or call us off air anything, tell us what's going on.
Apparently you're a big wig around here. A lot of
properties that and a lot more coming up.

Speaker 9 (01:11:58):
Go with a sure thing Denver's best rufer excel Roofing
dot com.

Speaker 17 (01:12:02):
You don't pay a cent until you're contenth.

Speaker 9 (01:12:07):
Time for an insurance check up free, no obligation comparison
call Compass Insurance. Pay too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 1 (01:12:33):
Ripped news you need you don't have? Run anxious as
we can.

Speaker 3 (01:12:44):
Shooter's gonna help coming.

Speaker 4 (01:12:47):
Man Dix is the Troubleshooter Show Now, Tom Martinez, welcome
my friends to the only show of it's can We're
here to solve problems, answer your questions, take complaints.

Speaker 5 (01:12:59):
Forty five five years in Denver.

Speaker 4 (01:13:01):
I'm so proud of what Tom started here, and I'm
so proud of him too, fighting beating cancer.

Speaker 1 (01:13:08):
Listen to this.

Speaker 4 (01:13:10):
It's been a tough year for him no matter what,
and he got to stop his chemo early. And for
all the listeners out there, this week, he's taken Vonnie,
his son. He's an older dad, isn't he think about
that his kid? Tom's seventy one, Is that right, Susan.
He's seventy one and Vonnie's probably eighteen. He had kids

(01:13:31):
late in life. He's taking his kid up to college.

Speaker 1 (01:13:34):
They're doing a.

Speaker 4 (01:13:35):
Great road trip of it, the whole bit. And I
talked to him yesterday or Sunday. He sounded so happy.
Him and Ronnie were in the car.

Speaker 1 (01:13:44):
They were in.

Speaker 5 (01:13:44):
Albuquerque at the time.

Speaker 4 (01:13:45):
That just happens to be where they were driving through,
and man, were they having a good time. And I
haven't heard Tom sound that good since December of last year,
pre cancer diagnosis, and it just hit my heart.

Speaker 5 (01:14:01):
I felt good. I thank God on it.

Speaker 4 (01:14:03):
And it's so weird seeing such a good friend, somewhat
of a brother figure, a father figure.

Speaker 1 (01:14:09):
A mentor, go from so down low. Oh my god.
There was days.

Speaker 5 (01:14:16):
There was days I was sitting here doing the show.

Speaker 4 (01:14:19):
One day in particular, I'll never forget it was absolutely
one of the worst days.

Speaker 1 (01:14:24):
I get a text from him.

Speaker 4 (01:14:26):
He had what was that called the blood disease that
you get sepsis. He goes, I have sepsis. I just
got the results back from the hospital. Him and I
ron together. I was here in studio. He was at
his home studio, and I get a text from him.
Remember I'm talking to him. He sounded horrible, but I
was used to that. Chemo just knocks you out. And

(01:14:47):
I get this text from him. My blood results from
yesterday came back. I have sepsis. This might be the
last time I ever talked to you. I got to
go finish the show and he disappeared. Then about an
hour later, I get one text. They're going to incubate me.
I might be gone for two or three days. I
might not I might never wake up, something along those lines.

(01:15:09):
And I'm sitting here and I'm still doing the show live,
and I'm going, First of all, I'm thinking, well, you
could have maybe waited an hour to text that, But
literally he was getting ready to be incubated so they
could get rid of sepsis, which is horrible. I mean,
people die from it. And it was just one of
the worst texts I ever got in my life, and
it sent me into a spiral that day. How I

(01:15:32):
even finished the show, I don't remember. I just went
on autopilot. But Suzanne, do you remember what I did
right after the show?

Speaker 9 (01:15:39):
Oh?

Speaker 1 (01:15:39):
I think you went to the urgent care went directly.

Speaker 4 (01:15:42):
I thought my heart was going to blow through my chest.
I was absolutely I was just such a mess. It
was crazy, in fact, funny enough, funny enough. The man
sitting next to me, Frank Dran, the real estate man.
I texted you that night.

Speaker 1 (01:16:00):
Do you remember that? I do, my friend, I do.
I'm not going to.

Speaker 4 (01:16:04):
Get into the depths of it, but I texted Frank
for some advice and I'll leave it at that. And
I got great advice back. And I'll tell you what.
Tom got through it. Thank God.

Speaker 5 (01:16:17):
There was so many times it didn't look like he
was going to.

Speaker 1 (01:16:20):
But I want.

Speaker 4 (01:16:21):
Everybody out there to know how great he sounds right now.
And when he's back next week, I bet he's downright chipper.
I bet he's downright chipper now. Three O three seven
one three A two five five. I got some lines open,
our phones are messed up. I'm just going to be
straight with everybody. We'll have full lines and everything drops

(01:16:41):
and people start calling back. Kelly, what is the diagnosis
or dragon? Do you know what's going on with the phones? Anybody?

Speaker 5 (01:16:48):
Do we have a trouble ticket in.

Speaker 24 (01:16:50):
There has been one for a couple of weeks and
then they reset it and it keeps happening.

Speaker 1 (01:16:55):
It's just yeah, it is what it is. And call
and gets through. Danielle.

Speaker 4 (01:17:00):
I'll get you on your question real quick, Danielle, what's
going on? It says legal help, what's going on?

Speaker 23 (01:17:09):
So I was charged with a couple charges and I
only put guilty too and obstruction, are breaking a civil
protection order?

Speaker 1 (01:17:20):
Okay.

Speaker 23 (01:17:22):
I have been trying to get a job. I've lost
my job, I lost my home, I lost my vehicle.
I haven't found a job in a year. And it
keeps coming up on my background check as different things,
like now it says that I have a felony misdemeanor
on me, and I keep going to the court, you know,

(01:17:45):
and it's just a crazy story. There's a lot of
layers to my.

Speaker 4 (01:17:50):
Hey, Danielle, your main ma, Your main issue though, is
the fact, when you go get a job, all this
stuff shows up.

Speaker 23 (01:18:00):
Yes, And I've had them. I've gone back to the
court numerous the times to try to get them to
take things off because some of the charges we're dismissed.

Speaker 1 (01:18:10):
Well, what we can do.

Speaker 4 (01:18:11):
So I want to tell you a couple of things
that I know. But we're going to go a step further,
and we're going to get Joe LA's air on tomorrow.
He's simply in court all day, but he's a criminal
defense attorney and he has helped people get things off
of their record. But I'll tell you what I've learned
from them over the years. There's a lot of things
you can't get off there. In fact, Suzanne and I

(01:18:32):
and Tom, we all have access to Colorado courts. I
can pull anything on you right now. Anybody can. It's
public knowledge. And in order to get rid of stuff
or to get it sealed, there's a lot of things
that simply Colorado will not seal. Whether that's right or
wrong doesn't matter. But Joe can dive into what can
be Now if there's false information, that should be easy

(01:18:57):
enough to get someone involved.

Speaker 1 (01:18:58):
It can be changed. But I I want you to
understand I could.

Speaker 4 (01:19:01):
Look up and let's say you were accused or arrested
for robbing a bank, but you were found innocent. I
can still look up the court case and see where
you were arrested for robbing a bank that you're not
going to get rid of, but it'll also show in
that same record long as the court date has come

(01:19:21):
and passed, it'll actually show in the same record that
you were acquitted or you were found not guilty, or
you were found guilty or whatever the outcome was. So
I mean, really it's hard when it comes to criminal records.
A lot of things cannot be expunged. They just simply
can't be. So we're going to find out exactly what.
But I want to ask you what line of work

(01:19:43):
are you in.

Speaker 23 (01:19:46):
I've been trying to get any kind of job.

Speaker 20 (01:19:49):
I was.

Speaker 23 (01:19:51):
I wanted to get in as a security guard and
things like that. Well, obviously now I can't do that
because my ex led about me. You know.

Speaker 5 (01:19:59):
I yes, I was a circum.

Speaker 4 (01:20:02):
There's two sides to every story, but I would like
to hear the circumstance and kind of a quick story. So,
I mean, you were married or your ex boyfriend or whatever,
but give me an idea of what happened.

Speaker 23 (01:20:16):
So basically, we got into a fight on the third
of July of last year. He lied and said that
I pushed him. The cops took pictures of the bruises
and everything on my body. And I was the one
who called nine one once because I was scared that
he was going to push me down the stairs, because
I knew the relationship was over. I'm the one who

(01:20:38):
ended it. And somehow, even though I had all the
bruises of Mark, so me, I was the one who
got arrested that night. I was calm, I was confiant.
I didn't do anything.

Speaker 4 (01:20:51):
Okay, I don't want to go down that part of it.
So you got arrested that night. But then at some point,
at some point it got adjudicated. You went in front
of a judge, or you did a plead deal what
what ultimately is on your record.

Speaker 23 (01:21:07):
So I went in front of a judge. My public
defender told me that it would be better if I
pled guilty to a civil protection order because the DA
said he would not drop the charges against me there
was no evidence.

Speaker 1 (01:21:22):
So you agreed, and he pled guilty.

Speaker 23 (01:21:24):
Guilty to a civil protection Yeah, I pled guilty to
breaking a civil protection order. None of it was criminal.
They took a domestic balance off my record. They took
the obstruction off my record.

Speaker 5 (01:21:35):
It's still criminal. But then I understand so when.

Speaker 23 (01:21:39):
You have ever since then, I haven't been able to
get a job.

Speaker 4 (01:21:43):
I want to ask John Klaisse. He's with CMG, he's
with me. I'm just using you. It has nothing to
do with loans, although I do have some emails about those.
But I've got to ask you, John CMG. How many
people to CMG employ.

Speaker 1 (01:21:56):
I mean it's.

Speaker 4 (01:21:57):
Thousands, yeah, a couple, three thousand. And I know you
have nothing at least as far as I know. You
don't have anything to do with the hiring practices. But
generally a bigger company like that, if they see any
form of felony, especially in the financial services, it's just
an instant no.

Speaker 1 (01:22:13):
Yeah, it's pretty much automatic.

Speaker 9 (01:22:14):
No.

Speaker 6 (01:22:14):
And we use third party companies that report this stuff.

Speaker 4 (01:22:17):
And that's what everybody does. Yeah, I mean at least
bigger companies.

Speaker 1 (01:22:21):
Yeah.

Speaker 6 (01:22:21):
So the third party I'm sure is looking into court
records or whatever.

Speaker 4 (01:22:25):
And if we talk about Danielle, Danielle, everything on your
past that's legit and that is legit because you did
plead guilty. You understand that. What else is on there
besides that? Because honestly, if I was interviewing you for
a job, I would understand it was a domestic violence
with a boyfriend or with a husband or whatever it was,

(01:22:47):
and I would listen to your side of the story.
And depending if you were, you know, working in an
automotive shop for me, that really wouldn't affect me.

Speaker 5 (01:22:55):
I'd probably hire you.

Speaker 4 (01:22:56):
But if it was, say theft that showed up, I
might not hire you because I used to deal with
a lot of cash. So what is showing up to
where people won't hire you? What literally is on there?

Speaker 23 (01:23:09):
So now it shows before in Colorado, it shows up
that it's just breaking a civil protection order, okay, with
no other thing, but the third party, like you guys
are talking about like checker and accurate or whatever the
other background check things are, it's coming up as different things.
And this last time it came up as a felony

(01:23:32):
misdemeanor or breaking a civil protection order?

Speaker 4 (01:23:36):
Well is it a felony misdemeanor? I don't know the
answer to that.

Speaker 23 (01:23:40):
No, it's it's not.

Speaker 4 (01:23:41):
It's like, okay, if it truly, if it truly isn't
I think Joe Lasera could probably help you.

Speaker 1 (01:23:47):
So let's do this.

Speaker 4 (01:23:49):
Let's get all of her information, Kelly or Suzanne, and
when Joe is available to come on and actually discuss this.

Speaker 5 (01:23:58):
Because this comes up a lot.

Speaker 4 (01:24:00):
There's a lot of people out there that have trouble
getting a job, and especially in some fields because of
their background. Let's let's have a good conversation about that
when we can get yo. So let's free up that
line three oh three seven one three eight.

Speaker 1 (01:24:16):
Two five five.

Speaker 4 (01:24:17):
When people get a loan, John, when you're doing an application,
we all know that you get social Security number, you
get income, you get debt, you pull the credit report.
You know if people are laid on payments. We all
know the basics. And when you get a home loan,
really you do a deep dive. You know, it's amazing

(01:24:38):
when you people get a home loan, sometimes afterwards their
credit actually goes up because a bank did a deep
dive on them, and other creditors are like, oh okay,
someone really investigated everything.

Speaker 1 (01:24:50):
So it's kind of interesting.

Speaker 4 (01:24:51):
A lot of people don't know that people without a
mortgage whose home is paid off like, I don't know
anything on our home. In fact, the mortgage we have
with you, it's just purely a line of credit. But
it's all in Suzanne's name. I don't even I have nothing.
Because of the nature of what I do on the air,
I basically owe nothing.

Speaker 1 (01:25:09):
I'm not kidding.

Speaker 4 (01:25:10):
So, but do you do a criminal background when you
put in the Social Security does felonies on the past
or is it all financial?

Speaker 6 (01:25:21):
No, they don't come up. It's it's more financial. And
if it's on a you know, a credit report where
they may oh, you know, we see divorce courts, you
know people oh all the time, but you know, as
long as you get it settled and things like that.

Speaker 1 (01:25:35):
But no criminal, No, no, this will sound crazy.

Speaker 4 (01:25:37):
So if someone was actually on the LAMB wanted you
wouldn't even know that.

Speaker 1 (01:25:42):
Most likely we wouldn't even know it. You know, we do.

Speaker 6 (01:25:45):
We do pull some reports. So if they did mortgage
fraud in the past, we would get reports.

Speaker 1 (01:25:51):
Because of course that's what that's for. What is that
like a clue report what they we call it, you know,
a pacer report. And we can't pretty much pull.

Speaker 6 (01:26:00):
Up and I mean we get people's addresses from thirty
years ago.

Speaker 1 (01:26:05):
Come up on it.

Speaker 4 (01:26:06):
But you know, all right, everybody, hang tight. John's got
a question. We're going to talk also about the all
in one loan. It's incredible. And then Frank and Stephanie
pull up stats. I want to know where the market
is right now, home sales, people looking to downsize, just
anything to do with homes in Denver metro in the
Pike's Peak region. I really want to understand where the

(01:26:27):
market's at right now.

Speaker 9 (01:26:28):
Everybody, hold on, go with a sure thing Denver's best
roofer Excel Roofing dot com. You don't pay a cent
until you're content. Time for an insurance check up free,
no obligation. In comparison, call Compass Insurance paying too much

(01:26:49):
your coverage at dozens of insurance companies find out now
three all three seven to seven to one help. You'll
think you're his only customer when you choose Frank durand
the real estate Man dot com to list your home
with Remax Alliance three all three nine two zero sixteen
twenty two all right, three.

Speaker 4 (01:27:05):
Oh three seven one three eight two five five three
oh three Martinoz Suzan's got an update. Joe Lazara our
criminal defense attorney. We had a guy call up. He
had a DUI and he's to the point now he's
got to put one of those, uh the breathalyzers or
whatever they're called.

Speaker 1 (01:27:22):
I call it an interlock device.

Speaker 4 (01:27:23):
Yeah, that is right, an interlock device into his car.
And there's three major brands basically around town accepted by
most courts, and he wanted to know which one to.

Speaker 18 (01:27:32):
Go with because I guess they all have terrible reviews.

Speaker 1 (01:27:35):
Mark I bet.

Speaker 18 (01:27:36):
Anyway, so I reached out to Joel as our criminal
defense attorney on the show, and he says he likes
smart Start.

Speaker 1 (01:27:43):
Smart Start.

Speaker 4 (01:27:44):
Yes, all right, let's make sure that guy gets that information.

Speaker 1 (01:27:48):
Kelly, do you get that?

Speaker 5 (01:27:49):
Email him that if he's not listening now to.

Speaker 24 (01:27:51):
Smart Rist and I actually, I'm trying to get Joe
on tomorrow so we can get Danielle, Josh and possibly
another person on that might have an issue with an assault.

Speaker 4 (01:28:05):
Church tell him the other thing I wanted to discustomer.
I just saw on the news they set up a
DUI checkpoint coming out of Blackhawk or Central City or
something like that. I want to go over the options
again for people where people can check if there's going
to be. And I know I'm pissing people off right now,
but you know what it is, what it is, that's it.

(01:28:27):
I mean, it is what it is. And they have
to do certain things. State Patrol has to post where
the DUI checkpoint is going to be or Denver or whomever.
But I want to go over the rules and do
they have to post them like on their social media?
Does it have to be posted on billboards? Does it
have to be posted right before the checkpoint? And then

(01:28:48):
my understanding is you don't have to go through the checkpoint.
They have to give you other ways to go around
the checkpoint. But I want to dig down onto that
because what's weird is I haven't really heard of about
a dui checkpoint in so long. It's crazy. Then all
of a sudden it was all over the news.

Speaker 24 (01:29:06):
July fourth was the last one I heard about. But
it's interesting you bring that up because on our app
that we used to come here and back from, you know,
to work and back, they always point out speed checkpoints.

Speaker 1 (01:29:20):
Yeah so you want dui speed, Yeah, I got you.

Speaker 4 (01:29:25):
We'll have to get all the info from Joe plus.
Maybe help that woman out that wants to get a
record clean. We're going to get a lot. In fact,
we should really.

Speaker 1 (01:29:32):
Get him in studio.

Speaker 5 (01:29:33):
The problem with Joe is he's so.

Speaker 4 (01:29:34):
Busy, you know, talk about it's hard when you do
advertising for a criminal defense attorney's so good what he does.
But when we call up like our mortgage expert, I
can usually get you on. This guy's like in front
of a judge a lot. So it's hard to get
him scheduled. But I'd love to get him in for
a show too. I always truly appreciate having Joe. And

(01:29:55):
now I want to ask you guys real quick, and
I'll hop back of the phones. What is going on
in Colorado Springs when it comes to sales? How long
is a house on the market? At one point it
was less than thirty days? What's the average now Pike's
peak reach?

Speaker 8 (01:30:11):
Oh goodness, So I actually pulled a few stats for
you for Colorado Springs. As of today, I've got twenty
eight seventeen active so little under three thousand active properties?

Speaker 1 (01:30:19):
Is that norm?

Speaker 8 (01:30:20):
That's pretty that's been kind of holding for us.

Speaker 1 (01:30:23):
We still have.

Speaker 8 (01:30:24):
That's not counting my under contracts things like that.

Speaker 5 (01:30:26):
That's just my active inventory.

Speaker 1 (01:30:28):
We'll all last party types.

Speaker 4 (01:30:29):
What's the last you remember seeing over the last five years.

Speaker 8 (01:30:33):
Well, when things were really really moving, I remember pulling
one day and I had like three hundred.

Speaker 1 (01:30:38):
That was it.

Speaker 8 (01:30:39):
It was in all of pikes because they were Colorado Springs. Yeah,
things were moving so quickly, you know. That was one
I remember seeing. You know, at just one point I
pulled in thinking, wow, that's crazy you guys.

Speaker 4 (01:30:52):
Ever now not probably nowadays, just based on those numbers.
Has there ever been a time, Stephanie, where like you
don't even truly list the property. It's like kind of
I don't know, or pre listing, or you have a
line of eating and you sell it and it never
truly got listed.

Speaker 5 (01:31:08):
You know, Does that make sense?

Speaker 1 (01:31:10):
I always put Yeah, I always list.

Speaker 8 (01:31:12):
You know, we have to be a little careful with
things before they hit the market.

Speaker 18 (01:31:16):
There are some rules that we have to follow.

Speaker 8 (01:31:18):
I got it a fair cooperation to give everybody an
opportunity to see the home and have an opportunity with it.

Speaker 11 (01:31:23):
Well, that's cure.

Speaker 4 (01:31:24):
I didn't know that, so hold on. That's because you're
a real tour though.

Speaker 1 (01:31:28):
Correct.

Speaker 4 (01:31:28):
In other words, if I wanted to sell my house,
I can sell it to whoever I.

Speaker 8 (01:31:32):
Want to that's a national association, a real tright Yeah, okay,
so that's simply national associations.

Speaker 4 (01:31:38):
And what they're saying is they don't want you going
out and privately listing it, say on your own website
only without listing it through MLS.

Speaker 1 (01:31:48):
Is that basically what I'm hearing.

Speaker 7 (01:31:51):
In other words of pocket listing, that's what they call
it pocket listing.

Speaker 5 (01:31:55):
All right, So we know now it's about three thousand homes.

Speaker 8 (01:31:58):
Yeah, So my current days on market out of my
active properties as eighty two. So I pulled stats for
sold properties in the last thirty days and we had
seven hundred and ninety five sold in the Colorado Springs.

Speaker 1 (01:32:10):
In the last thirty days. Is that norm?

Speaker 8 (01:32:11):
Again, so very very small timeframe, so just looking at that.
But what I wanted to share is my current under
contracts are onenty twenty nine. So that's positive. We've actually
got more under contract than we sold in thirty days. That's,
you know, some positive movement in the market.

Speaker 1 (01:32:27):
That's a good take up. John.

Speaker 4 (01:32:28):
I always said with interest rates, a lot of people
are like and you know your this is what you
guys do at CMG that the bottom line is people
are like, oh, I'm in a three percent. I'm going
to wait as long as I can. But it doesn't matter.
People have babies and have to get a bigger house.
People get transfers and got to move. People got to
get money to get certain things done. So eventually I knew,

(01:32:50):
even if rate stayed, you know, they're actually not that high.
I mean, six percent or in the six is compared
to years ago, it's not that high. It's I'm not
going to say it's average, but honestly, it's.

Speaker 1 (01:33:01):
Not that high.

Speaker 6 (01:33:02):
Pretty average, is it really?

Speaker 1 (01:33:04):
Yeah?

Speaker 4 (01:33:04):
Yeah, But people finally, I mean, at some point you
gotta do what you gotta do.

Speaker 1 (01:33:08):
Do Yeah, yeah, tell you.

Speaker 6 (01:33:10):
It took a while for the mentality to go, but
you're absolutely right. And people got to realize they can
sell their house for a lot of money right now too.

Speaker 1 (01:33:19):
Yeah, you know. So that's the other part.

Speaker 4 (01:33:21):
If you wait too long and the market starts coming
down that extra money, you might be kicking yourself an
interest you did, it doesn't even matter because your house
went down in value and the principles down.

Speaker 5 (01:33:33):
Frank, give me the same number as Denver Metro.

Speaker 1 (01:33:36):
So Mark, here's the deal.

Speaker 7 (01:33:38):
We're sitting right around fourteen thousand active listings, which is
the most we've seen since like twenty eleven.

Speaker 4 (01:33:44):
So it's a buyer's market, it's more of a balance market.

Speaker 1 (01:33:47):
I'll tell you why. Back in twenty eight.

Speaker 7 (01:33:49):
Nine, ten eleven, we were sitting around a little over
twenty six thousand homes.

Speaker 1 (01:33:52):
Wow. So we're more balanced at this point. Wow.

Speaker 7 (01:33:55):
So homes now are sitting on the market longer. Average
for a single family homes around thirty six days. Telldom's
condominium around fifty four days, So those are taking longer
to move.

Speaker 5 (01:34:06):
Interesting. I just you just made me think of something.

Speaker 4 (01:34:09):
I'm not sure why, but both of you, Stephanie Thomas
and John. John was my lender. He did our mortgage
years ago. I did the all in one. We'll talk
about that as we go on. But and Stephanie and
I don't know why Stephanie does, but you both send
me our current property value based upon whatever. So I'll

(01:34:32):
get an email from you once a month that says
you know your property is holding tight or whatever it says.
But on that same email, both of them are very close.
They assume that the equity stance we have is X.
In fact, I don't mind saying it assumes the equity
stance we have in our houses two hundred and fifty thousand,

(01:34:55):
but yet we have one hundred percent equity in our house.

Speaker 1 (01:34:58):
So, for the life of me.

Speaker 4 (01:34:59):
I don't understand and why yours and yours assumes it's
definitely not. Why does it assume that we only have
a quarter of a million inequity?

Speaker 6 (01:35:10):
Because what you did your note at like all in
one loan, you have access to that. So you've got
a recorded mortgage at X even though you paid zero.

Speaker 4 (01:35:19):
So even though I owe nothing, because I have access
to that money at the snap of a finger, yep,
it's always going to assume I owe that entire amount. Yes, okay,
I get that, John, that's kind of sneaky.

Speaker 6 (01:35:33):
Well, yeah, but I don't know how much you do
it though I don't. I don't know either. I mean
because really, and how does she public records? How does
she have access to that? Well, public records is it's
it's public red.

Speaker 1 (01:35:46):
I got it.

Speaker 4 (01:35:46):
So it really has nothing to do with the fact
I went through you. It's the recording on the house. Yeah,
that is very interesting. Do you guys get those, Frank,
do you guys send those out? To to your clients.

Speaker 7 (01:35:57):
Yeah, I do that, plus I sent out video updates
of them just in general, just educate it.

Speaker 1 (01:36:02):
Yeah, we do, right, I love every part of that. Guys.

Speaker 5 (01:36:04):
All right, let me see you here. Question on tire
store Mark.

Speaker 4 (01:36:08):
I don't know why you're calling to try to make
my heart blow out of my chest again, but what
is your question on the tire store Samantha issue?

Speaker 13 (01:36:16):
So I'm surprised that you're not mad at the city.
The city's going in. If it's not in a restaurant area,
the city shouldn't have anything to say over what you
want to do with your building.

Speaker 4 (01:36:27):
Well that's Mark, Mark. I agree with that one hundred percent.
But it doesn't matter. That's just not the reality of it.
It's just not when I when I converted a store
in Denver. So first of all, not only did Denver
take a building of my mine at Puia Crossing to
build that nice little train station to DA not only
did they take it under eminent domain, meaning I had

(01:36:48):
no choice the new one that I ended up buying
there a new building that was close to it. I
ended up spending about three hundred thousand dollars to build
out into an automotive store, so I happen to know
a little bit about this. I don't know why they
do it. They made me get stuff that I didn't
have to have in the old one. They made me
put in machines that instead of just hooking up a

(01:37:10):
hose to an exhaust that's in the building that's run
out store or run outside like every other thing, they
made me put in a fifty sixty thousand dollars exhaust
system that does literally the same thing through the ceiling
they made me put in. I don't even want to
get into it. I don't know why they do that, Mark,
but they make you do it.

Speaker 10 (01:37:30):
I think we should go after the city.

Speaker 13 (01:37:32):
I think you should give out the city's number, and we, being.

Speaker 20 (01:37:36):
Good, good radio listeners, should.

Speaker 11 (01:37:38):
Call the city and complain to them.

Speaker 4 (01:37:39):
Well, trust me, I call out the city of Denver
more than you'll ever know.

Speaker 1 (01:37:43):
If you listen, you know.

Speaker 4 (01:37:44):
I do that. Yeah, yeah, Instead of worrying about me
putting in an exhaust system or this poor woman selling tires,
I mean, honestly, the city should be more worried about
people running around stabbing people on the sixteenth Street.

Speaker 9 (01:37:58):
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Speaker 1 (01:38:23):
Help.

Speaker 9 (01:38:23):
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two.

Speaker 4 (01:38:34):
All right, three oh three seven one three eight two
five five. By the way, this hour, my friends, is
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Speaker 1 (01:39:23):
Great guy.

Speaker 4 (01:39:24):
Now let's just hop back to the phones. We're going
to go to whoever is holding the longest. That's going
to be Roger. Roger, what is going on? It, says
AI Trading?

Speaker 13 (01:39:35):
Yeah, thank you, Mark. I want to get your take
on AI Trading, if it's real, and if so, what
do you recommend.

Speaker 1 (01:39:43):
Well, I'm not going to recommend what company.

Speaker 5 (01:39:45):
I got to tell you. I kind of like AI Trading.

Speaker 4 (01:39:49):
I'm not a financial advisor by any means, So I'm
gonna tell you just from someone that is day traded
and long term traded himself. For my god, many many
many many years. I remember we had a lady that
would come in here years ago. Who was the woman
I'm asking Suzanne. I can picture her and a man

(01:40:10):
I don't even know how to describe. I can't remember
what she did. But so back in about twenty fifteen
or sixteen, was the first time I ever saw an
app that actually did it. So I actually watched it
and this was Remember this is like twenty fifteen sixteen,
So arguably it wasn't really AI, but it kind of was.
What it would really do was monitor the risk assessment.

(01:40:32):
So let's say you have one hundred thousand in the
account and it goes out and does its thing. And
what's kind of cool about AI trading when it's on
one platform. That one platform has say a million people
on that platform. When it buys something, there's a million
accounts buying it, and even more than that, the different
AI platforms out there probably communicate as well. So when

(01:40:56):
they all buy Microsoft at one time, it drives up Microsoft.
When they all I'll sell Microsoft at one time, it
drives down Microsoft.

Speaker 1 (01:41:03):
Because there's so many people involved.

Speaker 4 (01:41:04):
But what's really cool about it is the risk assessment
a good one.

Speaker 5 (01:41:09):
You know you're going to set your tolerance.

Speaker 4 (01:41:11):
Basically you're going to say, hey, I don't want to
lose any money, and it's pretty much gonna make it
to where you're not going to lose money.

Speaker 5 (01:41:18):
Now, is it's still possible to.

Speaker 4 (01:41:19):
Lose money, Absolutely, there's no doubt about it. But the
chance is if you're a very conservative trader and want
to do it, when it starts seeing moves that it
is looking at from a perspective of millions of different
clients and accounts.

Speaker 5 (01:41:35):
It's going to get you out of that if.

Speaker 4 (01:41:37):
It thinks it's going to go down over the next
x amount of time, and it can rapid fire and
actually buy and sell quicker than I can by logging
on and doing it.

Speaker 5 (01:41:46):
So if you look at it from that stance, I
think it's great.

Speaker 4 (01:41:50):
I think ultimately, when it gets super good, it's going
to price every financial advisor in the world out of
a job, unless if they're putting together other stuff for you,
meaning if they're getting into property like Wave eight and
they're getting into maybe high funds and.

Speaker 5 (01:42:09):
Stuff like that.

Speaker 4 (01:42:10):
But I mean, really, I think it's a good thing
all in all, Roger, I mean, I really do awesome.
Thank you, You're very welcome. I wonder what anybody out
there been doing it. I'd love to hear from someone
that's been using one of the platforms that they've had
either good or bad results in what platform is it?
Or someone that's used multiple of these AI trading forms.

(01:42:32):
I see them advertised all the time. Now, what the
heck was that lady's name? I swear I can't remember
what's really irritating me. Is I can't remember what we
did for. I mean, we advertise for, but I can't
remember it. Joan Sullivan, what did she do? That was
her name?

Speaker 18 (01:42:49):
Mark, She's approval reverse mortgage back in the day, at
least back in the day. You know, she might have retired.

Speaker 4 (01:42:54):
I thought she passed away, but I, oh, no, definitely
not well, I don't think so then she retired for sure.
But Jon Sullivan, she's the first one. And it was
years ago, way pre COVID showed me an app that
was crazy. It wasn't truly AI back then, but it
was a bunch of accounts LinkedIn where someone was making

(01:43:14):
decisions for multiple accounts at one time, and it was
all automated, is probably the better way to put it. Now, John,
you've been holding the next one line open? John, what's
going on with you?

Speaker 10 (01:43:27):
Hey? Mark?

Speaker 1 (01:43:27):
Hey man?

Speaker 10 (01:43:28):
Hey, I got my son and daughter in law have
a medical bill okay for there. I guess it was
almost like an infinite time that had to go into
the hospital because I had some nuts squat in your throat.
And anyway, my daughter in law went on the exchange

(01:43:51):
and was sold a plan. Unbeknownst to her, and they
never disclosed the tour. It didn't have emergency room coverage,
even though they have two young kids.

Speaker 4 (01:44:05):
I would assume, I would assume it was disclosed to her,
but like most of us, no one reads through that stuff.

Speaker 1 (01:44:11):
But it was on the exchange ranscripts.

Speaker 10 (01:44:15):
Yeah, she was trying to get the transcripts because you know,
but you know she didn't need the policy.

Speaker 4 (01:44:22):
Yeah, either, Well you got me, John, John, hold on, John,
hold on a second, Kelly, I want you to get
John Jones up because I'm concerned about one thing he said. John,
you said they bought it on the Colorado Exchange, right, Yeah.

Speaker 10 (01:44:38):
I think she went she was given a broker or
something like that, and this guy walked through different policies
with her.

Speaker 4 (01:44:44):
But hold on, John, here's what I want to know.
What's the plan actually on the exchange? Do you not
know the answer? I mean, that's fine, I'm gonna put
them on hold. I don't know if the phone just
screwed up again or not, but I want to get
John Jones up, and really, John, you look like you're

(01:45:06):
still there. What I want to know is did they
end up getting a plan from the exchange?

Speaker 5 (01:45:11):
Because I have never heard of a plan on.

Speaker 4 (01:45:13):
The exchange that does not have some form of VR coverage.
I've never heard of it. So I want to just
make sure what we're dealing with. So let's get John
Jones up and see if we can help John out.
But if they do owe a lot of money, maybe
they didn't get it on the exchange, or maybe I'm
incorrect on that. There's other options. I mean, I don't know.
I mean, is there anything to go after? Are they

(01:45:34):
a real young couple. There's multiple ways we can handle this,
Chris Laura, you hang on as well.

Speaker 9 (01:45:44):
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seven to one help. You'll think you're his only customer

(01:46:06):
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 1 (01:46:14):
Yeah, Ripped news need advice? Who you don't have?

Speaker 3 (01:46:27):
Run in asas as we can show Shooter's gonna help
come Man.

Speaker 1 (01:46:34):
Six is the Troubleshooter Show.

Speaker 4 (01:46:36):
No Tom Martine, Welcome my friends to the only show
of its kind. We're here to solve problems, answer questions,
take complaints, make your life a little bit better. We
are having phone issues, but it is what it is.
I promise we'll still have a good show here. But
three oh three Martino is the number.

Speaker 1 (01:46:53):
Kelly.

Speaker 4 (01:46:53):
I have no idea if they can get through or not,
but it's crazy watching full lines to no lines for four.

Speaker 24 (01:47:00):
So John, if you're out there. Our phone mine actually disappeared,
so I can't call you back, but please call because
I do have John Jones Junior from Integra coming on.
He's about twenty minutes away, so if you could call back,
that would be lovely. Chris, I know that you had
an issue with direct TV. If you'd like to call back,

(01:47:22):
we are open and we have lines working right now.

Speaker 1 (01:47:25):
For now, we do.

Speaker 4 (01:47:27):
Let's talk shop real quick loans homes all in one loan.
A lot of people don't know what it is. It's
an amazing product. Susanna and I have it. We got
it through John. Sitting right next to us at CMG.
I don't know how long ago, Suzanne. Probably eight years
ago we paid off our house. Actually probably not even eight,

(01:47:47):
maybe five. Actually, wait a minute, I locked in on
an interest rate with you.

Speaker 6 (01:47:52):
We used to do it. We don't anymore. We have
to do the three year in the five year old.

Speaker 4 (01:47:56):
So it was because it just expired. So it was
only three years ago. Yep, you know something, we paid
our house off.

Speaker 1 (01:48:03):
I believe it.

Speaker 6 (01:48:04):
The way you looked at you were going to and
you know, zero balanced, zero interest costs. But you still
have access to all the money, right, Yeah.

Speaker 4 (01:48:11):
It's an incredible product. So I'm going to use round numbers.
So let's say you have a million dollar house and
you get the all in one loan. First of all,
if you owe, you can get it with twenty percent down, right, correct. Yeah,
So let's say twenty percent down you put down. So
you put down two hundred thousand, You got a million
dollar home, You pay simple interest, and anything in your

(01:48:33):
checking account with CMG or with the bank, anything in
that checking account counts against your mortgage.

Speaker 5 (01:48:41):
So in that scenario, you owe eight hundred thousand.

Speaker 4 (01:48:43):
But let's say you own a small business and that
small business average balance in checking is two hundred thousand.
You're really only paying interest on your mortgage at that
point on six hundred thousand dollars.

Speaker 5 (01:48:57):
You're not paying it on eight hundred whatever.

Speaker 4 (01:48:59):
Is it your bank checking account, your CMG bank checking
account offsets same with savings, right, yeah, well we use.

Speaker 6 (01:49:07):
It for savings. It's not one it's one account.

Speaker 1 (01:49:10):
It's one account that does both things. Yeah, so it's
a checking account.

Speaker 4 (01:49:13):
That So in other words, if you had a million
dollar house put down two hundred thousand dollars, you have
an eight hundred thousand dollars balance right now, and you
had eight hundred thousand dollars in the bank, you don't
have a mortgage payment, but you have access, of course
to your eight hundred thousand to do whatever you want.
If you do one hundred thousand out of that to
buy something, then you're only paying your mortgage on that

(01:49:35):
one hundred thousand dollars, which would be whatever, seventy dollars,
whatever it happens to be. So what it does is
it offsets whatever you owe on your mortgage, buy whatever's
in the bank. The other big thing it does it's
absolutely phenomenal, is it's simple interest.

Speaker 5 (01:49:50):
It's not front loaded. Tell us about that.

Speaker 6 (01:49:53):
Yeah, most mortgage mortgages, have you seen where you're doing
an amortization schedule, you're paying probably what fifty percent interest
in that first ten years eight years on the house
that you bought. You're basically paying the bank first. Here,
everything that comes into the count gets applied to principle,
so your principal balance goes down, then your charge interest on.

Speaker 1 (01:50:14):
That principal bounce on whatever's left on the balance.

Speaker 6 (01:50:17):
And so what most people don't realize, and we've seen
most people will run through their checking account more money
than what they owe on their mortgage over over ten
year period, so it can offset. So really it's the
checking account is just as good as the loan. But
the two together, that's what really really makes.

Speaker 4 (01:50:33):
It work, along with the simple interest. Now here's the
other deal. So when we paid off our house, now
we're going to take same numbers, say it's a million dollars,
easy numbers. Now we have a house, it's fully paid off,
but we have a line of credits Whuzana and I
can access for the next twenty seven years because it's
already been three So for thirty years, you have a

(01:50:55):
line of credit you.

Speaker 1 (01:50:55):
Can access for that amount.

Speaker 4 (01:50:57):
So if you want to go out and buy a
car or a boat, or or you want to buy
another home, or you want to do anything, it doesn't matter.

Speaker 5 (01:51:03):
We simply write a check. Simply write a check.

Speaker 1 (01:51:06):
That's it.

Speaker 4 (01:51:06):
In fact, when we go shopping for homes now, I
just bring a cash letter from the bank saying they
have this much cash, because that literally is how much
cash you have. That line of credit is cash. It's
like shopping with cash because it's your money and you
guys can't take it away.

Speaker 1 (01:51:22):
We cannot.

Speaker 6 (01:51:23):
And it's really amazing because I do analyze people because
they say, oh, I got a car loan that's a
five year loan, but I got it at two percent interest.
Well I say, okay, well let me run it through
our calculator. And because it's still amortized interest even on
a car loan, yep, you do it simple interest.

Speaker 1 (01:51:39):
In the way it pays down.

Speaker 6 (01:51:41):
Cheaper, it's so much cheaper, and it's for total costs.

Speaker 4 (01:51:44):
Yeah yeah, And the offset by the checking or the
checking savings account, whatever you want to call it, is incredible.
It is absolutely a great product. Here's the other thing
to qualify for it. It's a little harder. I'm gonna
be honest, it's a little harder. But it's also asset based,
so maybe income maybe you're somewhat retired. In your income,
that monthly check you're getting is not huge, but you

(01:52:07):
have a huge four oh one K. You have other
properties around you. Guys take all the assets and that
is part of the approval.

Speaker 1 (01:52:17):
And that is great.

Speaker 7 (01:52:18):
We do.

Speaker 6 (01:52:18):
We use I use it many times where people will
have W two income, good W two income, but a
four oh one K. I can give them income from
both yep to get the debt income rasio to get.

Speaker 4 (01:52:30):
It there to work, and then the other thing you
can do with this product. Here's probably what if we
end up using the line of credit. I mean you
do pay interest when you take it out, but actually
the interest, I mean it's like any mortgage.

Speaker 1 (01:52:41):
So but check this out.

Speaker 4 (01:52:43):
If we buy a house in Slidell we've been looking there,
we'll just write a check for it because we'll do
a cash deal with them, and then I can decide
if I'm going to move out of some of my
other products to pay it off, but I'll do the
exact same product. Then I'll have two homes and I
take easy money. Again, Let's say each home's worth a million.
I have them both paid off, but I have access

(01:53:06):
to one point six million dollars on both those homes
for thirty years wherever I want to do with that.

Speaker 6 (01:53:12):
That's true, And I have a lot of clients who
like it because they'll buy that house, the new house, yep,
and the cash and then when they sell their house,
they just put the money down on the new house
and you know, did the same thing. They just didn't
want to move out before they bought their other house.

Speaker 4 (01:53:28):
So I don't know of any other product to where
it gives you access to the equity in your.

Speaker 6 (01:53:32):
House, aousibility and the use in control and the flexibility,
and you really think about it. Mortgages, mortgage interest, I mean,
it's crazy what you pay checking accounts. Checking account is
just a holding. What good is a checking account?

Speaker 1 (01:53:45):
Really? Nothing that holds the money?

Speaker 4 (01:53:47):
They don't you know, maybe a credit union gives you
point zero zero one percent, It means nothing, right, and
now now you're offsetting whatever the interest rate is.

Speaker 6 (01:53:56):
Yeah, so you're maximizing the use of your own money.

Speaker 4 (01:54:00):
You know, because we locked in with you for that
three years, even though we never used a line of credit.
You know what was funny, I could have taken that
X amount of money.

Speaker 1 (01:54:11):
And it's a lot of money.

Speaker 4 (01:54:13):
Yeah, I could have taken that money out and actually
put it into a SWAB or a schwab.

Speaker 5 (01:54:20):
I can't svxx.

Speaker 6 (01:54:23):
Yeah, they are high interest savings account.

Speaker 4 (01:54:25):
It was six percent and I was locked in with
you guys at five. I could have made one percent
on that line of credit. Now I didn't because I
didn't think of it till actually I forgot. I locked in,
to be quite honest, but it was kind of crazy.
I could have literally made money off that line of
credit because interest rates did such a strange thing.

Speaker 2 (01:54:43):
Yeah.

Speaker 6 (01:54:44):
Well, the use the liquidity and use in control is
what's great. And it's a loan where like we were
talking earlier, people get three years into a loan five.

Speaker 1 (01:54:53):
Years and they want to refinance.

Speaker 6 (01:54:54):
There's no reason to do this really should be the
last loan you need on that house.

Speaker 1 (01:55:00):
Why unless you.

Speaker 4 (01:55:01):
Now listen to this stat people that have that loan,
what is the average time they pay off their house?

Speaker 23 (01:55:08):
Uh?

Speaker 6 (01:55:09):
Seven eight years? Seven average time.

Speaker 1 (01:55:11):
Seven or eight years?

Speaker 6 (01:55:14):
And can think about how much money that loosens up
for the next twenty three years that you can put
into an investment, put into retirement.

Speaker 10 (01:55:22):
You know.

Speaker 6 (01:55:23):
It's it's really amazing how much interest you can say.

Speaker 4 (01:55:26):
And here's the other thing with it. We were talking
interest rate. It's not it's not libor anymore. It's tied to.

Speaker 6 (01:55:31):
What thirty years so far, so far average.

Speaker 5 (01:55:33):
So there's an average. It comes out monthly.

Speaker 4 (01:55:37):
So if rates do go down drastically, your rate goes
down drastically.

Speaker 1 (01:55:41):
It moves down dras you're correct. Yeah, it follows that.
It follows that.

Speaker 6 (01:55:45):
Rate follows that rate, and that's why, well the fat
funds rate when they drop, this will job everything.

Speaker 4 (01:55:52):
So when rates do go down, it automatically goes down.

Speaker 6 (01:55:55):
Like I said, you don't have to keep refinancing. You
don't not to say, oh well the rates are better. No,
it does it for you. It's really you don't and
being in this, you know you kind of people want, oh,
refinance every three years. You know, I make more money,
but it's kind of stupid how much money you waste
on refining you.

Speaker 4 (01:56:12):
You know what, John, I want people to really listen
to this next part when we talk about front loaded interest.
You do you really you do a thirty year mortgage?
Please look up that first payment. It's like ninety percent
maybe even more all interest. How do other countries do it?
How does your do it?

Speaker 1 (01:56:30):
That's what they do.

Speaker 6 (01:56:31):
They don't treat debt kind of like we did. They
all are these offset mortgages. They all they all want
to pay the mortgage off first. They want to take
care of that debt, get rid of.

Speaker 5 (01:56:41):
Debt, and what happens. So think about that.

Speaker 4 (01:56:43):
Everybody in your Germany everything, they don't pay the mortgage
interest upfront like we do. That was brilliant capitalist here,
which I love. I'm a capitalist, trust me. But they
came up with it. The banks in the US made
us all think it's normal. Now there's a product, and
you guys have been doing this for a long time.

Speaker 1 (01:57:01):
It's not new.

Speaker 6 (01:57:02):
Oh we've been doing it, yeah, fifteen twenty years now.

Speaker 4 (01:57:04):
And really there's no one else in the country but CMG.
And by the way, if you're listening to the podcast,
doesn't matter what state you're in. In fact, our son
just used John and John You personally weren't licensed in Nebraska,
but you got licensed within a day.

Speaker 6 (01:57:19):
Because I held so many other licenses they give me.

Speaker 1 (01:57:22):
Yeah, no, I know what I'm saying.

Speaker 4 (01:57:24):
You could land in the entire country, Yes, which is incredible.

Speaker 1 (01:57:28):
So listen.

Speaker 4 (01:57:28):
I'll say one more thing now, I gotta take a break.
Here's the other thing about CMG. And these guys do everything.
They do reverse mortgages for a better rate than anybody else.

Speaker 1 (01:57:37):
I know.

Speaker 4 (01:57:37):
They don't charge as much fees. I mean, it's simple
as that. And same with a fifteen twenty thirty year mortgage.
If you want a traditional mortgage, maybe you can't qualify
for the all in one first time house buyer credits
stuff like that. You need a traditional mortgage. They'll give
you the best deal out there in any state. But
listen to this. Our son first house twenty five years
old from application online, partner in lending dot com, partner

(01:58:02):
in lending dot com, from application till closing, and Suzanne
and I were with them a couple months ago.

Speaker 5 (01:58:09):
Nineteen days.

Speaker 4 (01:58:10):
You had this kid on his first house funded in
nineteen days.

Speaker 5 (01:58:14):
And actually that's not true.

Speaker 4 (01:58:16):
I found out closing the title company out in Nebraska
was actually funded the week before.

Speaker 6 (01:58:22):
Yes, we prefunded it, and yeah, we have a great CMG.
We have it all in house. We underwrite, process, fund
everything in home.

Speaker 4 (01:58:32):
How many times you guys, so, Frank durand Stephanie Thomas,
you guys are realtors, you're at closings.

Speaker 1 (01:58:37):
You guys do this all the time.

Speaker 4 (01:58:39):
How many times do you hear your clients go, oh,
the underwriting needs this.

Speaker 1 (01:58:44):
All the time. Underwriters need everything.

Speaker 4 (01:58:47):
And think about and if you think about any of
these people you see advertised everywhere that aren't John and
aren't CMG, what do they have to do? They're all middleman.
They got to contact CMG. They got to contact you
or whatever bank you're trying to get it done with,
and they got to say, Okay, here's the information, give
it to the underwriter.

Speaker 5 (01:59:07):
Then that person gives it to the underwriter.

Speaker 4 (01:59:09):
Then the underwriter gives it back to that person that
gives it back to the middleman, then tells you they
need something else with CMG. Where is that underwriter right
next door for CMG? He got an appraisal pulled on
that house in Nebraska within a week.

Speaker 5 (01:59:27):
Yeah, it was incredible. Hold type.

Speaker 9 (01:59:35):
Go with a sure thing Denver's best roofer Excel roofing
dot com. You don't pay a cent until you're content
time for an insurance checkup free, no obligation. In comparison,
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of insurance companies find out now three oh three, seven
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(01:59:57):
customer when you choose Frank Durand the real estate man
to list your home with Remax Alliance three all three
nine two zero sixteen twenty two.

Speaker 4 (02:00:19):
All right, three oh three seven one three eight two
five five three oh three Martino, Hey, Stephanie Thomas, let
me ask you something. Why would someone use you over
another realtor in Colorado Springs. I'll put it just like that, like,
what benefit do you bring to the game. Besides, you've
been doing it forever in the experience, anybody can say that,
But what do you do different than somebody else?

Speaker 8 (02:00:41):
This is always a hard question for me because it's
like major patting yourself on the back.

Speaker 1 (02:00:45):
Here.

Speaker 8 (02:00:46):
One thing that I do that I can say, and
you could ask any one of my clients, I mean
for years, is I'm going to support you through every
facet of the transaction.

Speaker 1 (02:00:57):
Whether we're prepping your house to.

Speaker 8 (02:00:58):
Sell, we're going to optimize that, we're going to talk
about pricing. With these longer days on market, I'm going
to keep you informed on market conditions, what's going on.
We're going to look at what's selling. I'm going to
keep you in the now when you're buying with me.
My goodness, I've got some great strategies that have helped
my clients win, especially when things were really crazy a
few years ago. We never had to give away the

(02:01:19):
farm to win contracts, and we won lots of contracts.

Speaker 1 (02:01:22):
So full disclosure.

Speaker 4 (02:01:25):
Stephanie and Mike have been friends of Suzanne and I
for well Mark.

Speaker 18 (02:01:29):
I wanted to interrupt and say, this girl will answer
your call at ten at night, on vacation, in the
middle of a concert, at a play. She is going
to answer your emails and phone calls.

Speaker 4 (02:01:43):
Suzanne went right to where I was going. They've been
good friends of ours forever and we actually traveled together.
They went to Nashville with us for a concert. We've
been to Vegas multiple times with them, and we've just
known them forever. I mean, they're family friends. They know
our kids, they know it's you know what it is.
It's they're family friends. And Stephanie got into this years.

Speaker 5 (02:02:04):
And years ago. The realtor aspect. But it's funny.

Speaker 4 (02:02:06):
We'll be somewhere and it'll be Mike, her husband, Suzanne,
and I. Because Stephanie just got a call. She answers
calls at dinner. At Suzanne's absolutely right. We could be
at a movie and she might answer a call. Her
clients come first, and I know Frank Durant's the same way.

(02:02:27):
But it's kind of remarkable because I give out three
ho three Martino a lot. But if I'm at dinner,
I assure you I'm not answering.

Speaker 1 (02:02:35):
Frank.

Speaker 5 (02:02:36):
You never sleep, not in the.

Speaker 1 (02:02:38):
Last six years. Market.

Speaker 5 (02:02:39):
Yeah, no, it's pretty crazy.

Speaker 4 (02:02:42):
I was asking Stephanie what's different why use her compared
to another realtor, and she had some really good answers,
which I'm not going to share. But what would you
how would you answer that question in terms of well,
in terms of this, what makes you a better realtor
to choose in the Denver metro area than all that competition?

Speaker 1 (02:03:00):
Well, Mark, I'll say this. I'll say this.

Speaker 7 (02:03:03):
The feedback I get from people, which is more important
than even my opinion, is people say they always felt
like they were the only client, no matter how busy
I always was they.

Speaker 1 (02:03:12):
Can contact us. Now, my wife, you know, she's.

Speaker 7 (02:03:14):
Licensing the business too, you know, so she does a
lot of our paperwork. Eleven o'clock at night, they get
emails from us, so we're always available. I had a
client I could attest to it six in the morning.
We were talking. He was surprised that I'd pick up
that early. So we're after it all the time. But
you know, I wouldn't do this. I didn't love people, Mark,
and I didn't have the passion to do it.

Speaker 1 (02:03:33):
I don't think I could do this. FIGHT didn't have
the passion. I know you got the passion.

Speaker 4 (02:03:37):
Both of you live and breathe it. It's such a
weird industry too, John. You must deal with a lot
of realtors, right, I do. And there was a period
of time when interest rates were low or times were hard.
I mean you could actually there's always a period of
time where everybody's like, oh, I'm going to be a realtor.

(02:04:00):
You sell a house, you make five percent or whatever
it is. They like, they think it's an easy job.
I would bet if you would look at how many
people decide to become a realtor, and how many are
five years later. I would love to know those stats.
I bet there's not nearly as many that stick it.

Speaker 6 (02:04:18):
And one of the things that can test to these
and I deal with a lot of those realtors are
they're really they look at their client just as a
commission check, and you can really tell the difference. And
it's hard because then they start pushing the lender to
do stupid.

Speaker 1 (02:04:31):
Things which you can't.

Speaker 6 (02:04:32):
But it's really nice to work with realtors like these
two that just understand it and really put their clients first.

Speaker 5 (02:04:39):
In Yeah, that's so important on almost anything out there.

Speaker 1 (02:04:43):
What should people ask.

Speaker 4 (02:04:45):
Let's pretend someone from Nebraska, where you guys don't you're
not realtors in Nebraska, called up and said, Hey, I'm
interviewing realtors. I'm trying to choose one. What are good
questions to ask? If you're on the other side of it,
how long have.

Speaker 1 (02:05:01):
You been in the business.

Speaker 7 (02:05:02):
And I would definitely look at their credentials, how much
education they take throughout the year.

Speaker 1 (02:05:06):
I would look at that out.

Speaker 5 (02:05:07):
How do people look at that? Like, what do they ask?

Speaker 7 (02:05:09):
Well, I know what the Remax site, it'll show you
the designations that agent has earned one education I don't
know about other companies. I know what the remax, you
could do that, and overall I would have a conversation
with them because it doesn't matter how much designation, how
much education, how are they going to treat you.

Speaker 1 (02:05:25):
You gotta jail, Yeah, you gotta jail.

Speaker 4 (02:05:26):
And here's the thing you'd let Would you let someone
out of a contract?

Speaker 1 (02:05:31):
Yes, I had a lady one time.

Speaker 15 (02:05:33):
Mark.

Speaker 1 (02:05:33):
This is a great story because this we just closed
on our deal.

Speaker 7 (02:05:35):
But about five years ago she told me, in knowing
certain terms, she wanted a certain price.

Speaker 1 (02:05:40):
This is when the market was booming.

Speaker 7 (02:05:41):
We got her about fifty grand higher than she wanted.
We had about fifteen twenty offers. It was a lot
of offers, and we negotiated late into the night to
get her the best deal. Next morning, she says, Frank,
I'm so sorry. My husband and I talked. We decided
we want to keep the home. No, Ken, it was
no problem. I politely let her out. She didn't know us, nothing, nothing, nothing.

Speaker 4 (02:06:01):
She calls me about a year and a half, did
you vacuum your house and clean it.

Speaker 1 (02:06:04):
And do everything the whole works man?

Speaker 4 (02:06:05):
And so you had advertising money in Au had a
lot of.

Speaker 7 (02:06:09):
We've had skin in the game for sure. And a
year and a half later, she calls me and she says, uh, Frank,
do you remember me. I said absolutely.

Speaker 1 (02:06:14):
She says, you know, I really mean it this time.
I really want to sell.

Speaker 7 (02:06:20):
And she says, she says, I just appreciate it the
way you treated me. I know that was really kind
of a strange situation. But lo and behold, we closed
on the house. And I think it's because she knew
that I would back up what I said I would do.

Speaker 4 (02:06:33):
It baffles me how many calls we've had over the
years where either people don't want to sell or it
has gotten so stale because the realtor simply doesn't know
what they're doing. It's either overpriced or it's a piece
of crab property. For whatever reason. It's been on the
market eight months and there's no calls, there's no showings,

(02:06:54):
no anything.

Speaker 5 (02:06:55):
But they won't let him.

Speaker 4 (02:06:56):
Out of the contract, come hell or high water, they
will not let him out of the contract. And I've
always thought to myself, why why wouldn't you let someone
out at sel roofing, if you know, I mean, if
they deliver shingles and start the roof. They're going to
complete it, but if you change your mind, they're going
to let you out of the contract. Why would anybody

(02:07:16):
want a client that doesn't want them anymore?

Speaker 1 (02:07:19):
Stephanie, would you let somebody out?

Speaker 23 (02:07:21):
I have?

Speaker 11 (02:07:22):
Yeah.

Speaker 8 (02:07:23):
Ultimately, when situations change for people and it's no longer
in the client's best interest, I have let people out
of contract.

Speaker 15 (02:07:29):
Yeah.

Speaker 4 (02:07:29):
I don't know why anybody wouldn't. I mean, you want
to use someone you can trust in the biggest one.
I'll tell you this frank that house right next to us, Suzanne,
how long did that sit on the market where they
sold it?

Speaker 2 (02:07:40):
Oh?

Speaker 1 (02:07:40):
Gosh, a year and a half.

Speaker 4 (02:07:42):
It was up for a year and a half. And
I learned from you, and that's how you negotiated our
house out in frank Town. That thing was on the
market for about a year and you got us one
hundred thousand off. I'm not going to go into exactly
what you did, but it was incredible. But this one
sat there and I knew because of you. It's so stale.
The first thing people do, the first thing they do
when they look at it is go, what the hell's

(02:08:04):
wrong with it? Or it's so overpriced? I don't even
want to look at it. When something's been on the
market that long, you just forget it right.

Speaker 1 (02:08:12):
You're chasing the market down the wrong way.

Speaker 7 (02:08:13):
And even if they finally get to the right price mark,
guess what happens the buyers they see it's been sitting
there for eighty days, are they now going to get
full price?

Speaker 1 (02:08:21):
They're probably going to try it a low ball.

Speaker 7 (02:08:22):
And now that seller gets more flexible because they haven't
had any love all this time.

Speaker 1 (02:08:25):
Now they're getting a little love and infection.

Speaker 4 (02:08:27):
And she was one of our good friends. Her name
was Kim, and they were married. They got divorced. That's
why I went up for sale. And basically she was
going to get to proceeds. That was kind of the
divorce decree. But here's what ultimately happened. The guy wouldn't
let her out of the contract, so she was stuck
with a crappy realtor for X amount of time. Now,
I told her to use you, but it didn't work

(02:08:49):
that way. She had a good friend, blah blah blah.
So the good friend came in and priced it properly
and did stuff right, and they had it sold in
about three months. So no matter what that first realtor
for the same amount of money that first realtor was horrible.
What do you do if you walk in and someone Stephanie,
what do you do if there's been a house and

(02:09:09):
I got to take a break.

Speaker 5 (02:09:10):
But think about this, both of you.

Speaker 4 (02:09:12):
Someone hires you because they just got out of a
contract with somebody else after a year and the property
hasn't moved.

Speaker 5 (02:09:20):
Do you keep it up?

Speaker 1 (02:09:20):
What do you do? Hold on?

Speaker 9 (02:09:27):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Time for an insurance checkup free, no obligation. In comparison,
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three o three seven
to seven to one help. You'll think you're his only

(02:09:48):
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two.

Speaker 4 (02:10:02):
All right, three oh three seven one three h two
five to five, Hey Peter, what is going on? Apparently
one of our experts, Brad O'Brien, has reviewed the HOA
document is this from yesterday? Is this the one with
the the uh what.

Speaker 1 (02:10:16):
Do you the window well? Right?

Speaker 15 (02:10:18):
That's correct.

Speaker 4 (02:10:19):
Oh, let's see what Brad O'Brien. So basically, let me
recap real quick. Peter called in yesterday. He's in a
condo and there's a window well that's rotting out and
it needs to be replaced. In the past a lot
of times, the HOA has approved to pay for the repair.

Speaker 1 (02:10:35):
So, in other words, the community's paying for it.

Speaker 4 (02:10:38):
When he went and told HOA, hey, I need to
get mine done in the management company, they said, we're
no longer doing that.

Speaker 1 (02:10:45):
You're responsible for it.

Speaker 4 (02:10:47):
So we wanted him to send the actual HOA documents
over to our expert, Brad O'Brien. And how come I
cannot go to Brad? Did the phones just blow up?

Speaker 5 (02:10:59):
There we go?

Speaker 1 (02:10:59):
Hey, Brad, you looked at him? What happened?

Speaker 25 (02:11:03):
I did look at it. The declaration does say that
exterior features of units that are outside the boundaries of
each condo unit, like window boxes and awnings, that sort
of thing, are part of the unit as a limited
common element.

Speaker 4 (02:11:18):
So his argument, Brad, this is exactly what I said yesterday,
quite frankly, But his argument was this the fact that
in the past they paid for others. People say, and
it is kind of a it does kind of suck
because Peter's dues at one point paid for someone else
to get it done. But the new management company came

(02:11:39):
in and basically said, we're not going to pay for
this anymore. He was saying, they basically said a precedent.
Do you see anything there?

Speaker 25 (02:11:47):
I did not look at that part of the declaration,
the part about the responsibility for maintenance and repairs. All right, so,
but typically the HA is responsible for certain of the
general common elements. But it can go the way I'm
limited common elements.

Speaker 4 (02:12:01):
It can go either way on there. So you don't think,
I mean, no matter what, you don't think he's going
to get it paid for it through the HOA.

Speaker 25 (02:12:11):
I'd have to look into the declaration further because that's
a different section than I reviewed.

Speaker 4 (02:12:15):
Okay, are you willing to do that? We'll get you
back on tomorrow.

Speaker 25 (02:12:19):
Sure.

Speaker 4 (02:12:19):
Hey, And I got a lot of emails the other
day when you were on man you did a really
good job on talking to landlords the other day and
telling him about all the changes. I appreciate that. And
that's Brad O'Brien. Let's get him back on Kelly. So Peter,
he's got to look somewhere else to make sure. But
we'll get him back on tomorrow, okay, Hey.

Speaker 13 (02:12:38):
And unfortunately I can't come back on tomorrow.

Speaker 11 (02:12:41):
Oh okay, but maybe thursday with well, hold.

Speaker 1 (02:12:46):
On, let me put let me do this.

Speaker 4 (02:12:47):
I'm going to put you on hold Kelly whenever you
can get Brad and him both back on.

Speaker 5 (02:12:52):
I don't really care what day it is. Hey, Bob,
what's going on with you?

Speaker 20 (02:13:00):
Hey, you're talking to me?

Speaker 10 (02:13:02):
Yes?

Speaker 1 (02:13:02):
Sure, what's going on?

Speaker 20 (02:13:04):
So I gotta I kind of got an eBay issue.
I don't know exactly what how to go farther with it.
I bought a use phone July tenth, went on vacation.
Of course, lost my phone, and my brother says, man,
just get You're pretty hard on him. He goes, why
don't you just get a used once? I did, and
they sent it. I plugged it in to charge it up,

(02:13:27):
and it like almost caught on fire.

Speaker 1 (02:13:29):
Man.

Speaker 20 (02:13:29):
It was something, so I put it back in the box.
I know it was a trip, so I put it
back in the box. I've never bought anything from eBay,
so I didn't know. I filled out all their stuff,
all their questionnaire or whatever, told him what was wrong.

Speaker 1 (02:13:46):
I caught on fire, you know, I told him.

Speaker 20 (02:13:50):
You if you need to fry an egg, go.

Speaker 27 (02:13:52):
Right aad because in so anyway, I took the address
that I was sent from and I wrote it on
the box.

Speaker 20 (02:14:03):
And taped it up and sent it back. Well, I
didn't know, I was you know, you were supposed to
wait for a return of some sort. You know, they
have their.

Speaker 1 (02:14:12):
Move Did you have it at least Bob? Did you? Bob, Bob, Bob?

Speaker 4 (02:14:16):
Did you at least have it tracked? Do you have
a tracking number? And found out where it went?

Speaker 20 (02:14:21):
Yep, And it was picked up on that eighteenth, I believe, Yeah,
the eighteenth, what time and everything? And it said yeah,
it was picked up at three fifty one. And I mean,
I'm not the savviest person on a computer, but I
have not been able to I mean I send messages

(02:14:41):
and they just kind of ignore them. And then finally
they said basically, well they kind of lift you up.
They go, well, maybe you know, we can do something,
and then it said your refund is on the way,
and then after that date hit then they said yeah, years,
you're out of here.

Speaker 1 (02:15:01):
So how much was this?

Speaker 20 (02:15:03):
And if there's there was three hundred and ninety nine?

Speaker 4 (02:15:07):
Oh my god, I thought it was gonna be like
a fifty dollars burner? How what kind of phone was it?
Out of curiosity?

Speaker 20 (02:15:14):
There was a fourteen?

Speaker 1 (02:15:15):
You know, I you know what I thought I thought
he was going to say was locked. I bought.

Speaker 4 (02:15:20):
I met a guy at Applebee's one time to buy
a used phone, and you always want to look at
a used phone first to make sure back then it
could be locked to a carrier. So and they wouldn't
release the number anything. So that's what I thought you
were going to say. But the fact that it caught
on fire and they did send it back, and you
did send it to the right address, and you do
have the tracking on it right.

Speaker 20 (02:15:42):
Correct? How did you pay for the indeed, I said,
I said him through my credit card? So Capital One,
which who represents them, I mean supposedly, So I haven't
gone there yet.

Speaker 4 (02:15:54):
Okay, listen, I'm so glad you haven't. I'm so glad
you haven't. I would I definitely. Your next move is
Capital one to do a charge back. When you do it,
this is an interesting one. When you said it's through them,
Why did you say that? Are you saying eBay that's
their process.

Speaker 26 (02:16:11):
Or Capital one?

Speaker 20 (02:16:13):
I mean now, huh no, Capital one. Basically they sponsor eBay.

Speaker 1 (02:16:19):
Okay, and you.

Speaker 4 (02:16:21):
Did this, and when you did it, you did it
over the internet, right, yes, sir, Okay. Here's what i'd do.
And I'm not kidding, a lot of people listening are
going to go why, and I'm not even going to
say why.

Speaker 1 (02:16:37):
But here's what i'd do.

Speaker 4 (02:16:38):
I'd call it Capital one and I would tell them
there's a charge on my credit card from eBay for
three hundred x amount of dollars.

Speaker 1 (02:16:44):
I have no idea what it was. I didn't do it.
That's it.

Speaker 4 (02:16:47):
I wouldn't get into any of this story about the
phone catching on fire. I wouldn't talk about anything else.
I would simply tell them.

Speaker 1 (02:16:55):
I would lie.

Speaker 5 (02:16:55):
I'll be very honest. I would lie. That's kind of funny.
I'll be very honest.

Speaker 1 (02:17:00):
I lie. It's an honest lie.

Speaker 4 (02:17:01):
Yeah, these guys screwed you. They sent you something that
didn't work, in fact, something that could have burned your
house down, and they said they were going to refund you,
and they haven't, so I would simply tell Capital One
at the beginning, I have no idea what this charge is.
I didn't make discharge. I want to credit. And that's
the first thing I would do. Don't get into the weeds, Bob.

(02:17:23):
Don't get into the weeds.

Speaker 11 (02:17:25):
I won't.

Speaker 1 (02:17:26):
I want you to come back and tell us what happened.

Speaker 20 (02:17:30):
All right, all right? So do you guys get many
calls on eBay? I mean, is this like a something
that wellbay? I hit up a couple of my friends,
and my friends just like grabbed their head and they went, oh, no,
it's them, And I'm like, oh great.

Speaker 4 (02:17:44):
The ones that we have gotten are just like yours.
Basically there's a problem with the product and they can't
get a refund. Do we get a lot? No, we
don't get a lot. But when we do get an
eBay problem, you basically have read the script and you
called in with the exact same thing. But I want
to hear back from you, really, Mark, that is a
Mark wants to know because I want to know how

(02:18:05):
it worked. And I say, don't get into the weeds,
because he might have agreed to something like, oh no,
matter what, you get a credit or you get this.
No one cares about it. The bottom line is what's good,
and what's good in this case, what's fair. As simple
as this. They sent him a phone that caught on
fire and promised him a refund and he didn't get it.

(02:18:26):
So do I feel bad telling the guy to lie
to get the credit.

Speaker 5 (02:18:29):
No,