REI INK
UNIN 19 Dylan | Overleveraged

Why It’s Dangerous To Be Overleveraged In Real Estate With Dylan Tanaka

  Leverage can be a good thing for your real estate business because it allows you to do a lot more than you can by simply using your own resources. But too much of a good thing can also be bad. As a new investor, you need to learn that you have to be careful with leverage because when you get overleveraged, that’s when you get into trouble. To actually run a successful real estate business, or any business for that matter, you have to build cash flow in one way or another. That’s what today’s guest, Dylan Tanaka, has to say to anyone who’s trying to build a real estate business in this rapidly shifting market. Dylan has been in the business for over 20 years, so he clearly knows what he’s talking about. In this episode, he talks about his observations and predictions of the real estate market in Metro Detroit and beyond, his ideas on the importance of relationships and active listening, and a lot more. Tune in to hear more of his insights! — Watch the episode here   Listen to the podcast here   Why It’s Dangerous To Be Overleveraged In Real Estate With Dylan Tanaka In this episode, I’ve got my good friend, Dylan Tanaka, here. Dylan, thanks for being here. Tim, I’m super excited to be here. It’s been a long time coming and I finally get to be in the studio and chop it up with you. Dylan, why don’t you take 1 minute or 2 to tell the readers a little bit about yourself? I’m from Metro Detroit. It’s one of my famous sayings. I’ve been investing in real estate for many years. I’ve done everything from single families to multifamily, borrowing money, lending money and everything in between. I start every episode with a segment I call the Bottom Line Up Front. When I was in the Marine Corps, if we were briefing the general, they always taught us to lead with the most important thing in case they had to get up and leave or something. What I want you to do is take two minutes and talk directly to the audience. What are some things in this market they should be focused on, paying attention to, things they should be trying to do or maybe some things they should avoid? Give the audience the bottom line up front. The most important thing that new investors need to learn and be very careful about is leverage. When you get over leverage, that’s when you get in trouble. We might be moving into a bit of a real estate shift. Everyone is talking about it. I haven’t quite seen all of those numbers come through, but since I’ve been around long before the foreclosure boom and then after those days, I know what happens if you get over-leveraged. Lesson number one is to make sure that you don’t get over-leveraged. It’s easy to do, especially if you’re good at finding lenders or private money. The second most important thing I would say is you have to be able to be nimble. We talked about this the last time we sat down. You have to be able to look in a lot of different directions. Business is not just one way. I’ve been in the business for many years and I’ve done almost every segment of single-family investing and a little bit of multifamily. It’s because the market forced me to do that. If I wasn’t able to shift myself, pivot and do different things like partnerships, taking on my deals, working things out with private lenders and all those different aspects of real estate investing, I’m going to end up failing. Let’s talk about that. I’m a lender. We were pushing some 80% loan-to-value products. The industry as a whole pulled back from that a little bit. If someone’s business is built on max leverage, what are some symptoms that are maybe diagnosed? Weakness is what it is. Most entrepreneurs will tell you this, not just real estate guys. “Cashflow is air.” You have to create that cash coming in. If you’re leaning on those lenders, always using their money and not having any of your own, there’s no cushion. We’re in Dallas, but we’re talking to people worldwide. Every market is different. It’s the thing that I always say, “When the tide goes out, they’re going to see who’s not wearing their bathing suits because it can get tough.” I don’t ever want to sound negative, but I want to be real. We all want to be in this business. I want every single person to be successful so do you. The better you’re doing, the better they’re doing and the better we’re all doing because a rising tide lifts all ships, especially as real estate investors. It’s hugely dangerous to be over-leveraged. As a newer investor or even someone who’s been in the business a long time, you’ve got to learn how to use your cash or bring that in somehow. In Metro Detroit, what are your areas of focus? You’re a hybrid agent and investor, so you play on both sides of the closing table as the advisor and execution. What are you personally focused on? I shifted myself a couple of years back and said, “This market has been crazy,” especially in Metro Detroit. We were talking about Jimmy Kimmel and Johnny Carson, which tell our age. He’s a lot older than me and I’m older than Tim. We were talking about the late-night guys and Detroit was the end of the butt of the joke or however that was. The city itself is better than it’s been my entire life and probably halfway through my parents’ life. I see values going up. I don’t think that even in Detroit or nationwide, we’re going to have that crazy slide that we did before because you and I both know that it’s much harder to get

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UNIN 16 | Insightful REI

Playing The Long Game In Real Estate, Running A Short-Term Rental Business, Thoughts On The Housing Market, And More With Kevin Lee, Insightful REI

  The housing market isn’t in its most pristine state now, and many investors are running away or else crouching in a corner until times get better. Not Kevin Lee. Despite everything that’s going on with high interest rates and inventory problems, Kevin stays optimistic that he can make the most of the opportunities out there. In this conversation with Tim Herriage, he talks about his philosophy of playing the long game in real estate, his tips on running an Airbnb business, and his general thoughts on the state of the market and where the opportunities lie. Kevin also shares with us a powerful message on how following your passion will help you achieve the financial freedom through real estate. Tune in for a quick hit of wisdom and inspiration from an insightful REI expert. — Watch the episode here   Listen to the podcast here   Playing The Long Game In Real Estate, Running A Short-Term Rental Business, Thoughts On The Housing Market, And More With Kevin Lee, Insightful REI Welcome back to the show. Thank you so much for swinging back by. I’m with my good friend, Kevin Lee. Kevin, thanks for being here. Thank you so much for this opportunity to invite me to the studio to have a candid talk with you. It’s an honor. I’m glad you’re here. Why don’t you start off by telling everybody a little bit about yourself? I started real estate investing back in 2010. I did that somewhat passively for about seven years. I was buying rental properties while I was on my W-2. I did that for seven years and then decided to do this full-time actively. I didn’t find passion or fulfillment in my W-2 job, so I quit that. I started active real estate investing back in 2017. I started out virtual wholesaling just like anybody else in the business. I thought that was the easiest way to break into the industry. I have had some success with that. I said to myself, “Why not go big or go home?” I went big on it and I have been doing this for five years. We had great success doing this. I never looked back. You’ve gone big and we brought you home. I start every episode with a segment I call the Bottom Line Up Front. In the Military, we used to brief generals. They always said, “You don’t bury the lead. It’s not a sales presentation. You go to get the most important thing out front in case the general has to leave.” Imagine someone tuning into this episode. In a little bit, they’re going to pull over and get gas, and they’re going to forget to turn it back on. Let’s give them the most important thing that you see in real estate now. They’re things that you think people should be focusing on. They’re maybe things that you think people should be doing differently or maybe not doing it all. We have been bombarded with so much media attention. You should insulate yourself from the media. Whatever bad news that you hear from all these news outlets, you should do what is best for you. If you look at real estate as an investment instrument, like the stock market, it’s going to go up over time. I’m in it for the long term. I don’t know about the audience, but I wouldn’t let whatever recession or bad news hit me. I would go full-on with whatever I think is good for me. I would buy these properties, hold on to them as long as I can, and then wait for equity to build up and invest for the long-term. I’m in it for the long-term. I will encourage the audience to do the same as well. Hang on there. It’s going to come back. There’s going to be a blip in the market in the next couple of months, but we’re going to be coming out just fine. Have that confidence in the market. Real estate is a hard asset to own. It’s not like stocks where it goes up and down, and you can lose money so easily. We’re talking about hard assets here. Hang on to these hard assets. Over time, you’re going to be coming out fine. That’s good stuff because so many people lose focus on the assets. They start focusing on money, income, and lifestyle. They lose focus on the assets. I’ve been studying a lot about compound interest and looking at the way real estate appreciates. It’s the compounding effect. When you look back in the rearview mirror it’s nice, isn’t it? You definitely hit the nail on the head. It’s the compounding effect. I’m like Warren Buffett. He is a value investor. He sees it over the long term. I see it in the long-term as well. A lot of people are in it to make that quick buck. You have to have the mindset that this is not a get-rich-quick, overnight or quick scheme. You have to be in it for the long-term. It’s like building a company or starting a brand new business, you’re not looking for that exit the very next day. You’re looking for that exit given that the market condition is good for you to IPO. What do you think is the long way for a startup to become mature? Five years, maybe. You got to give it time for it to grow and capture the market. We were talking about this offline that you and I are maybe less than 1% of the market. We’re barely scratching the surface. We got 70-plus years. Speaking of startups, you come from these California markets. You said you used to live in the Bay Area. You were involved in some technology companies. From your tech background, were you a software developer? Did you own a startup? What did you do there? I worked in several tech companies, big and small. I started working

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UNIN 17 Chad | Optimizing Real Estate Business

Optimizing Your Real Estate Business To Live Life To The Fullest With Chad Weeden

  There’s nothing wrong with working hard to grow your business. But as Tim says, the business is the vehicle, not the dream. One man who’s got that concept down is Chad Weeden of Fusion Real Estate Investment Group. In this episode, Chad talks with Tim Herriage about how he’s optimizing his real estate business to make time for what matters most: family. By automating processes, getting marketing down, and having a trusted team, Chad has built his business to function in a way where he can make spontaneous plans and still get things done. He even spent a month vacationing without his business missing a beat. If you want to learn how he did it, tune in to this episode! Be moved by Chad’s philosophy and learn the strategies to help you live life to the fullest without compromising the growth of your business. — Watch the episode here   Listen to the podcast here   Optimizing Your Real Estate Business To Live Life To The Fullest With Chad Weeden I’m here with my friend, Chad Weeden. Chad, thank you for being here. I appreciate you having me. Chad, why don’t you take a second and tell everybody a little bit about yourself? That’s a long story. I’m a former military guy who somehow ended up in the car business. I was a finance manager for a long time. I’m a failed business owner the first time around, broke as hell, and found real estate investing. That’s the shortest term. I’m not going to steal your story, but folks, I’m here with the greatest dad I know. We’re going to talk about that in a little bit because it’s a big part of my passion for this business. I start every week with a session I call the Bottom Line Up Front. As a military guy, you know what I mean. General, we’re in the tent, we’re briefing, mortar rounds come, and the general has to leave. I got to make sure he knew the most important thing. I want you to share the most important things happening now in business, the things people need to be focused on, things they need to be thinking about, and maybe things they should be trying to avoid. Impart your wisdom and the things they need to take away what’s happening now. I’ll start with my focus. I was in the car business when the crash happened in 2008. My focus now is to be smart and make sure that I’m not missing out on any opportunities. I feel like I don’t want to get crazy and out of hand, but I don’t want to miss the boat. Back then, I missed the boat on some things out of fear. For a lot of us as entrepreneurs, fear is a driver. It can stall your trajectory on what you want to do. Outside of that, I’m still looking to capitalize on all of the things that are right in front of my plate. One thing I don’t want to lose track of is why I got into this business and why I got out of the business that I was in. We’ll probably touch more on that. I’ve focused on chasing time. That’s been my number one thing, chasing time for my family. We’re blessed with an autistic little guy. Our whole family is totally blessed. That’s been my life focus now, going on what we’re doing. I try and intertwine and weave in and out of life, with that being my main focus. I would say don’t miss on opportunities, but don’t get too crazy. That’s all I have to say. That was great. You brought it up, so we’re going to go straight there. Many people get into this business. On my personal website, the headline says, “The business is a vehicle, not the dream.” I’ve been there. I’ve got lost in the business I claimed to have created to spend a lot of time with my family. I never saw my family because I was working in the business. Did you spend how many days in Florida? We spent six weeks roughly in Florida and a whole full month in Key West. We pretty much hung out on our boat every day. It’s the Salt Life. It was incredible. It’s you, your wife, and your kids. Did you shut your business down during that time? No. The investments side of my business never skipped a beat. I got back home, and I was behind on some stuff, but we still bought as many houses as we were going to buy, regardless of whether I was in the Keys or sitting in my office in the basement of the house. Your wife, Wendy, is a realtor. She’s a multi-state broker in Denver and South Carolina. We both have teams. It’s amazing. One thing we’ve figured out, and I do this to my wife a lot, is, “Drop of a hat.” We’re going to be gone for a week. We’re going to hit the road. We do these road trips. For example, I’d booked Airbnb for a month, and we’re going to live somewhere for a month. I always get this same response from her, “What? Can we just stay home?” I am not a homebody. I’ve crafted my business to be able to live that way because I’ve sat in the office and the car business for so long, chained to a desk, that I envy people that could travel and do what they wanted to do. I love my children and my dogs, but I’ve told my wife that when the young one is no longer in school, we’re going. I’m going to be up in the Northeast during the summer. I’m going to be in the South in the winter. Part of that, which I’m guilty of, is making excuses on why I can’t do it now. I could find someone to board the dogs. I could

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UNIN 11 | Probate Properties

Recession-Proof Real Estate Investing: Getting Creative With Probate Properties With Al Nicoletti

  Things aren’t exactly breezy in the real estate market right now, so you have to get creative when it comes to investing. There are niches out there that are relatively untapped and yet are virtually immune to recession. Probate properties is one of these niches, and this is what Al Nicoletti specializes in. In this conversation with Tim Herriage, Al talks in detail about the journey he took in real estate and how he eventually found his niche in probate properties. He also tells us crucial things any investor who’s thinking of giving probate a try should watch out for. Tune in and learn how creative thinking can get you success in real estate even when inventory is at an all-time low! — Watch the episode here   Listen to the podcast here   Recession-Proof Real Estate Investing: Getting Creative With Probate Properties With Al Nicoletti I’ve got my good friend Al with me. Thank you for coming in. I love It. I’d love to let you start off. Tell the audience a little bit about yourself. I could go through a whole thing, but I’ll keep it concise a little bit for you. From Miami, I played violin for fifteen years. I’m a natural musician. When I was in music for that long, I wanted to know what I was going to do with my life, like make money. I knew music wasn’t going to get me to that next level. I had to make a lot of decisions. I picked law school, of all things, not medicine or anything like that. I was going to take that and I was going to do some entertainment law thing. I had no idea where it was going to go. Law led me down a path to real estate because when I got out of law school, passed the bar, took my first job, and it was with a real estate attorney, my first mentor. At the time, we were doing foreclosure defense and dabbling in a little probate. We weren’t as heavy as I am now, but we were getting into a lot of that stuff. I saw for the first-time closings, titles, and foreclosures. A few years after that, I moved to Jacksonville and I had a job up there. That’s when I started my role in the whole probate real estate world. I went from musician to lawyer, marketer, speaker, podcast host, and all the above. It’s been a wild adventure ever since. I’ve been so impressed by your energy level. I’ve never seen anyone bring it and then you bring it more, and then you never stop bringing it. Do you sleep? That’s what a lot of people ask. They’re like, “When do you sleep? You’re constantly working. We see you on Facebook and Instagram. We can’t get you off our feeds.” Yes, I sleep. I make sure that’s something that’s important that you get that rest because you got to keep up that energy level. You are one of the guests that whenever I saw your name come across as a booking, I thought, “I can’t wait to hear this guy’s bottom line up front.” Every week, I asked the guest to help me deliver what I call the bottom-line upfront. When I used to brief generals in the Marine Corps, we were taught to never bury the lead. You got to get the most important thing conveyed in case the general has to get up or you get mortars coming in, or whatever. Take whatever it is you’re thinking about and pour it into the audience. Things that you’re seeing or observing in the market nowadays. Things they should be thinking about, should and shouldn’t be doing. Are you with me? I’m ready. Bottom-line upfront, go. In a market that’s tough right now where inventory is at an all-time low, it’s so important to reevaluate strategies in real estate that you weren’t thinking about before. Whether you were doing wholesaling before and now you get into land or short-term like Airbnb, it’s important to evaluate the market you’re in right now. What’s really important is realizing the niches out there like probate that can provide an opportunity for you in the market because probate’s one of those niches that are recession-proof and pandemic-proof.   It is a constant niche. When all-time low inventory is happening right now, you have to be able to look at other things and creative opportunities that exist out there. Maybe it’s not buying the whole house. Maybe it’s buying the partial interest and maybe you are able to find a way to creatively get around that because there’s so much opportunity out there that there are deals everywhere, but it’s a matter of how you make it and get creative that makes the difference in your game. You said foreclosure defense. When was that? That was in 2016. You did a little probate. You went from music to law school to entertainment law to foreclosure defense, and then you found probate and it’s stuck. What was it about probate that attracted you to it? There was an opportunity in the market with real estate. There are so many properties that are out there that are under people’s names. What I discovered was there were probate opportunities where somebody owned the property, but the heirs can’t sell that property without probate being done. What I recognize is there was some issue where you can’t sell it. We had to find a solution to that situation. That’s where I found that opportunity. Thousands of properties out there were able to come in and find a way to solve it. That solution and that overcoming issue to help heirs to help the situation and to offload the real estate, something about that made me tick. It exploded from there. I had Kurt Carlton on, the Founder of New Western Acquisitions. One of the interesting things that he said is we’ve got to

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Real Estate Strategies And Tips With Jawad Dashti Of TooDash CRE

  If you want to succeed in real estate, it’s not enough to sit on the sidelines and learn everything. If you don’t put all of that knowledge to work, you’re not going to be able to do anything. You have to take action. Jawad Dashti the owner of TooDash CRE, likens it to playing Monopoly without knowing the rules. In this episode of Uncontested Investing, Jawad sits down with Tim Herriage to tell us how exactly this works for him. He also talks about making the “safe bet” in real estate and why you don’t have to aim to beat the bigger players all the time. Tune in and get some real, actionable tips that will get you going on real estate even through these trying times! — Watch the episode here   Listen to the podcast here   Real Estate Is All About Taking Action: Real Estate Strategies And Tips WITH Jawad Dashti Of TooDash CRE I’m with my buddy, Jawad Dashti. Jawad, thanks for coming. Tell the audience a little bit about yourself. I’ve been in real estate for years. I don’t find myself to be that great at it but I figured that if you make as few mistakes as possible, that alone makes it work out pretty well. You started as a plumber, correct? Yeah. I was in construction working for all these home flippers right before the 2008 bust. Everybody was bragging about how much money they were making. I figured that if they could do it, I could because I knew all about construction. How’d that work out for you? I learned that knowing construction doesn’t do anything at all with real estate. It’s a numbers game. I had to get up and put in some work attitude. To me, that’s what’s paid off the best. You’ve always been one of those people I admire in the DFW area. Every episode, we start with the Bottom Line Up Front, the BLUF. When I was in the Marine Corps, we used to brief generals. They would always say, “Don’t bury the lead. Get the most important information out and share it in case a General has to get up and leave a mortar fire or something like that.” What I’m going to do is give you two minutes to share what you think people should be thinking about in the real estate market, maybe what you think they shouldn’t be doing, what they should be doing or what you’re doing to continue to grow and also protect yourself. The best advice that I could give is that we’re going through some different times, which seems to happen about every eight years in the economy. That’s when the most money is made and lost. The people that win the game are the ones that pay attention. I tell people to look at the economy, what’s going on and all the transitions because everything’s changing. If you can try to determine where things are going, you need to think about 3 to 5 years ahead of the game. As you’ve seen, the office is changing and a lot of places are converting into multifamily. A lot of multifamilies are converting into multi-use. If you notice which way neighborhoods are growing and how real estate is changing and you can be a little bit ahead of the game, it’ll pay off for you. It’s a good time. The inflation has taken off and assets are growing. I have no concern about being in the game. For the people that think that the real estate market is going to crash because of the interest rates, I still think that mortgage rates are low compared to the average. If the whole world went bust, we’re all screwed anyway. Keep playing the game. If you commit to it, put in the work and try to think a little bit ahead, you’re going to do well. One of the things that stuck out the most to me following you on social media the last couple of years is the way you play the tax game. Where did you learn that? I can’t give credit to any books because I don’t read books at all. It’s funny, I can read stuff on my phone all day but reading a book, I’m allergic to it. It’s going to investor meetups, watching shows like this and REI groups. Believe it or not, there’s a lot of content from shows like this. I overhear conversations. When I see people who are smarter than I talk, I try to eavesdrop on them.   I won’t hear everything that I need to know to fully understand the game but I can hear enough to hear a word like 1031 exchange or some kind of phrase like accelerated depreciation. I go home, google it and research it non-stop until I feel like I’m a master at it. I always try to tell people it’s like trying to play Monopoly without reading the rules. How do you expect to win the game when you don’t know the rules? Many people do that. People talk trash about taxes all the time. I love taxes because I don’t have to pay them. The IRS and the government make these rules to manipulate the economy. They’re paving the way for what they want you to do and paying a tax as a penalty for not doing what they want. If you play the game, you can make a lot of money and not have to pay them anything. That’s the way to do it. Read the rules. You own Precision Plumbing and multifamily, commercial, chicken coop and a bunch of single-family. Let’s start at the beginning, maybe on a high-level cover of how you progress from venture to venture. With the single-family, the first deal that I got, I was winging it. Luckily, it went well for me on my first deal. I purchased a single-family deal. Luckily, it was a

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Delayed Gratification Is Your Key To Financial Freedom With Mike Hambright Of Investor Fuel Mastermind

  Sometimes, being naïve about how things work in a business can be a blessing. While others are running away or cowering in fear, you might just go against the grain and reap massive rewards as a result. That’s exactly what happened to Mike Hambright when he started out in real estate. Mike is a real estate investor for 14 years, podcast host, and founder of Investor Fuel, America’s top mastermind for professional real estate investors. Joining Tim Herriage in this episode, Mike takes us on a tour to his real estate journey, which started in 2008. If you’ve lived long enough to know what 2008 means, you’d know that this guy ran straight into the fire while everyone else was running away from it. But he came out of it even stronger and now has diversified into multifamily, coaching, and a lot of other things. Tune in as he dishes out nugget upon nugget if wisdom that only a smart, seasoned investor, coach, and thought leader like Mike can offer! — Watch the episode here   Listen to the podcast here   Delayed Gratification Is Your Key To Financial Freedom With Mike Hambright Of Investor Fuel Mastermind Welcome back to the Uncontested Investing show. I’m Tim Herriage. Thanks for coming back. I’m here with my buddy, Mike Hambright. How are you doing? I’m excited to be here. I’m glad you are here. Thanks for being here. Why don’t you tell people who you are and what you do? First and foremost, I have been a real estate investor for a couple of years but over the years, you start to bolt more things on. First, I became a rental company owner. We are managing rentals and then started getting into coaching. Over time, I founded the Investor Fuel Mastermind, which you have shared there. Over the past years, I have run a data and tech company and lead generation called The Investor Machine. There’s a bunch of stuff in the real estate space. I’ve flipped hundreds of houses here in Dallas. You and I used to be running shoulder to shoulder, maybe competitors that we are all competing on some level. Now, I mostly do large multifamily syndication. It’s a little bit of everything over the last years. You are an interesting fellow. You are doing probably the best job in the industry on the mastermind with Investor Fuel. I’ve enjoyed being there, not only as a lender but I still run my investment company. I find myself sitting in the presentation like, “We suck,” rather than, “This guy is doing $80,000 a month, and I’m doing $50,000 a year.” We need to fix that. In one of my first segments when I was in the Marine Corps, I used to brief generals. I was an intelligence analyst. They always told us, “You had until the most important thing up front.” You don’t bury the lead in a briefing because you start getting mortar shells or the general has to get up to go to do something. He needs to know the most important thing. Imagine we’ve got someone reading. Maybe they go to coffee. They don’t get to catch the whole thing. I want you to take two minutes to deliver the bottom line up front. What do you think people need to be thinking about, doing, not doing or focused on? Give general, relevant, actionable advice. Take it away. Ultimately, folks need to understand that this is a long game. For the first couple of years that I was in business, I was living day-to-day, very transactional. This is a transactional business as a real estate investor. However, when you have the hindsight to be able to look back on the failures, the wins, and everything that’s happened over time, and you could do it over again, it’s good advice to know that you should be in this for the long haul. In this day and age, everybody wants to pop a pill and lose 50 pounds, and everything is supposed to happen fast. We have immediate gratification when I have an idea for something, and it’s at my doorstep later that day from Amazon. That’s not how the real world works in terms of your career or business. You have to play the long game in terms of being willing to fail. If folks that are reading are just getting into real estate or in any business, that’s not a normal thing. We think failure is a loss. When you are an entrepreneur and have been in the game for a while, you realize that failure is a stepping stone to success. You have to be willing to fall but you have to be willing to get up. It’s not over until you don’t get up. Play the long game. Think about the end in mind. I posted something on social media about delayed gratification being the key to financial freedom and freedom ultimately. If you wholesale everything and gets that quick buck or rehab it and get that not as quick a buck but more bucks, and you don’t keep them as rentals, at the end of the day, you will be disappointed. Play the long game, think with the end in mind, and make sure you are setting yourself for a long-term legacy. It’s good advice from a smart guy. Let’s talk about what we are going to talk about. What are some things that you think are interesting happening in the market nowadays? It’s interesting because there are a bunch of folks that are in the business that they weren’t in here during the last downturn or any other market cycle. This is all they know. I started in 2008, so it was a down cycle, which was never that bad in Dallas. Let’s be honest. There are a lot of people that have practices now that are going to get in trouble like overpaying for houses because they are counting on

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