Back in the day, when I purchased my first home to live-in; that was Miami in the early 1990s, first mortgages with rates of 8 to 9% and 9% to 10% were typical. People will have to accept the possibility that we won't ever return to 3%. If sellers must sell, home prices will have to decline, and lower evaluations will follow. Pretty sure I'm not alone in my chain of thoughts.
If anything, it'll get worse. Very soon, affordable housing will no longer be affordable. So anything anyone want to do, I will advise they do it now because the prices today will look like dips tomorrow. Until the Fed clamps down even further, I think we're going to see hysteria due to rampant inflation. You can't halfway rip the band-aid off.
consider moving your money from the housing market to financial markets or gold due to high mortgage rates and tough guidelines. Home prices may need to drop significantly before things stabilize. Seeking advice from a financial advisor who understands the market could be helpful in making the right decisions.
My CFA ’’Carol Vivian Constable’’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
Appreciate this recommendation, hopefully I can get some insight to where the market is headed and strategies to beat the downtrend with when I hear back from Carol.
I have a 3% mortgage interest rate and suddenly became liquid from the sale of a business and i am confused if i should pay off my mortgage or invest in the stock market.
Keeping a 3% mortgage and investing cash in the market, growing at 10-20%, is basic math. Look up dividend aristocrats, companies with a 25+ year dividend track record. Also, its advisable you work with a financial advisor for a well-structured portfolio.
Right, a lot of folks downplay the role of advisors until being burnt by their emotions, no offense. During the covid-outbreak, I needed a good boost to stay afloat, hence researched for advisors and thankfully came across one with grit. As of today, my portfolio has grown by 25% every quarter since Q3 2020.
I've stuck with the popularly ‘’Melissa Elise Robinson” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
Thank you for sharing, I must say, Melissa appears to be quite knowledgeable. After coming across her web page, I went through her resume and it was quite impressive. I reached out and scheduled
UItimately, the owner of the houses pays, regardless of how much income the houses bring in. If a tenant doesn't pay rent, they can stay for a very long time, even if the eviction process is executed promptly. Defaulting on a property is seriously damaging to the credit score, and then there's the risk of losing both houses, and being hundreds of thousands of dollars in debt.
Have you ever experienced renters not paying and the difficult process to eviction??? It is not fun. You still have the responsibility of paying both mortgages. There is a reason people rent, they can’t qualify for a loan!! Why? Because bad credit? Why? They don’t pay their bills, not responsible. Who gets stuck, the person on the mortgage. A quick way to stress.
But what if you already have a HELOC and bad bad credit? Is it possible your bank will not let you access the remaining equity in your primary home because of late payments?
This is something that people are already implementing in different parts of the world, and many metro areas like NYC. Some operate it by themselves and some use professionals to help manage. But when you sharing this idea with RUclips audience whom you may not know about their risk tolerance and their investment knowledge level, I would suggest that you may want to state the assumptions made on the economic stability, rental market trend, taxes, maintenance obligations, cost of property and tenant management, geographic housing market growth, growth rate, the risks, investor risk assessment and the contingency plans of using this method. sharing this investment idea to general audience without clearly explaining some of the most important considerations and potential risks is not the best nor the most responsible move in my opinion.
He needs to explain the risks involved, namely what happens if your second property doesn't cover your mortgage, or you find a tenant that doesn't pay rent. Ultimately you, and only you, as the owner are responsible for paying both mortgages. The bank will take the properties back if you default, and you'll be hundreds of thousands of dollars in debt with no real estate. Does that sound like fun?
How about a down market? When if you rolled it into 3 properties and they all are all at a loss even if you purchased them for 20% below market and the markets fallen further?
Thank you for the video. Question: What about the risk involved in an approaching down market,? There’s talk about another real estate crash. How do you protect yourself from your primary residence’s bank from calling the HELOC and not foreclosing on you with your primary residence?
How do you prepare for the possibility of not having renters in those investment properties? How much preparation do you need to cushion those hard to deal with scenarios?
you need to have an emergency funds saved, everyone is different but i like to have 6 months just in case, the once that didntnt have much saved were the once that burned when the 2008 big crash happen
The hardest part is the one why a lot of people don't or can't do it: Just find a house that's 20% off. So easy for an inexperienced regular dude, right? That's where everyone who hasn't been in real estate for a while gets stuck.
HELOC ruined my life first of all interest is open-ended on a HELOC so banks get to charge whatever they want for that day so I got into an argument with the banker so he demanded I pay back the HELOC in full if you are considering this please read fine print
Alex G it depends on the terms of the HELOC. It’s essentially a 30-year amortized loan that is variable for the first 10 years, and then fixed the last 20 years (if unable to payoff within first 10 years). Source: I’m a licensed lending officer.
I say BS on this story. I was a licensed loan officer for over 10 years and in the industry 10 more and I don't know any banks calling HELOCs early. They can freeze the credit lines, or if you are at the end of your interest only period they can turn it into a 15, 20 or 30 year. But you just made that up about the banker.
I like how he says you can just buy these house as if the bank doesn’t actually look at your debt to income ratio. For me in my shoes I have 20k in equity but can’t buy another home due to my dti ratio being at 39% already with my first house
As an investor u should NEVER buy a home without it being 10-20% off.. Hire a real estate agent if need be. One that works with investors. Tell them exactly what u need. NEVER just buy A HOUSE... buy THE house
You forgot the most important part. A heloc is an adjustable interest rate based off nothing but your banks attitude. Home equity loan will at the least have you locked into the interest rate the bank gives you.
The level of risk in this scenario is not for the average American. Continue paying off your mortgage and when paid off, save and buy the other property for cash. This scenario works for some... but unless you have a million in retirement / other investments, not for the average person.
Now talk about being a landlord and how to do repairs on all of your properties......... oh you have a website I have to pay you for, to do all this investing..... weird you need that web business with your booming realestate business.....
@@karabo933 Well. There are tons of these ideas and ways to invest at the library. What is expensive is when you want someone hold your hands through it and can rely on someone live who may give you a false sense of success to look up to. That is where it gets expensive, the false mental support you think you are getting. But technically it does work, if you see through it all with the types of strategies.
Lucia Garcia hi Lucia, I live Texas. Dirk Hess helped. Now I have my mortgage debt of over 300k cleared and made huge millions dollars in my account in years. All he does his pure hacks. He replies fast on his mail forums legionofgloomhackers at Gmail dot com
Looks great in paper reality sucks is homes don't go up always, next home maintenance comes as a cost, why not show a real example like apples to apples than on a sheet
Hey chris... question... I got a mortgage $2835 monthly payment.... loan amount was 369,000 at 4.99% interest rate...they offering me a lower rate at 3.5% and lower monthly payment which is $2532.. this is refinancing with the same lender . I do not have to pay any fees at all.. my current balance now is $359000 with almost a year old mortgage.. if I take the refinance with same lender I will start over 360 months term and my loan will be $365,00 .. DO YOU THINK THIS IS SOMETHING I SHOULD TAKE??
how are you gonna take a 50k line of credit as a downpayment for the investment property and get qualify for a mortgage for the investment property with existing income. you wont be able to do this unless your income is 6 figures if not more. so this isnt even really applicable to the average middle income family
How about paying off your 200k mortgage in two years by using a rental to pay off the monthly payments and save monthly as much as you can for two years. It works and you can too.
Where do you live. Because in California putting $50,000 is like putting down $1. You must be talking about buying a fixer upper because it takes forever to get that decent amount of equity.
This won’t work in Australia. You’ll pay 20% over market for the property. Too many hypotheticals. What happens if I won lotto. Well you grab only $300k of your winnings to pay off your house and invest the other 25 million in a term deposit. Works 100%. You just need to win lotto first.
The bank always asked how you are going to pay the loan back. SO the 500 per week has to pay the revolving credit line PLUS the mortgage on the second home. IF THE bank is relying on the rent of the second house to pay them back that is not enough. You need to have further income of your own. Also properties continue to go up. What happens if the economy crashes?
This video was very interesting. Never really thought about that idea but it sounds interesting and less complicated than other ways of using heloc to pay off mortgage.
Thanks again Kris! You're very inspiring and motivating me to purchase another investment property! I'm glad that I came across your channel a couple weeks ago! Very helpful videos, keep up the great work!!!
Kris can charge thousands but he has reached the pinnacle of the property empire and now he is reaching back and helping others !! He should get those AOs, OBEs etc from the Aust Govt !!!
This does not apply for most homeowners. A lot of assumptions that are much more difficult to execute in real life, not ro mention finding an investment grade property is like finding a needle in a haystack.
Great info. I heard the details of it from my Real Estate professor who was teaching this at Trump University. My question is, what is the life of the Heloc? Having real numbers would have helped, when you say you pay back your house with the $50k, there is still some balance left off of the mortgage. Do you pay it off with out of the $180k? How often do you buy and flip the investment properties within the 5 years?
Hi Kris!! I have been watching your videos for a bit now and i have learned A LOT. I actually got my house about a month before i saw your channel :( and i wanted to know, how would i know the equity i got in my home?
The assumptions from this six-year-old video seem unrealistic in May 2024. With HELOCs rates at 8-9% and a lack of 20% house discounts in the sellers' market, this financial strategy appears less applicable today.
Back in the day, when I purchased my first home to live-in; that was Miami in the early 1990s, first mortgages with rates of 8 to 9% and 9% to 10% were typical. People will have to accept the possibility that we won't ever return to 3%. If sellers must sell, home prices will have to decline, and lower evaluations will follow. Pretty sure I'm not alone in my chain of thoughts.
If anything, it'll get worse. Very soon, affordable housing will no longer be affordable. So anything anyone want to do, I will advise they do it now because the prices today will look like dips tomorrow. Until the Fed clamps down even further, I think we're going to see hysteria due to rampant inflation. You can't halfway rip the band-aid off.
consider moving your money from the housing market to financial markets or gold due to high mortgage rates and tough guidelines. Home prices may need to drop significantly before things stabilize. Seeking advice from a financial advisor who understands the market could be helpful in making the right decisions.
I will be happy getting assistance and glad to get the help of one, but just how can one spot a reputable one?
My CFA ’’Carol Vivian Constable’’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
Appreciate this recommendation, hopefully I can get some insight to where the market is headed and strategies to beat the downtrend with when I hear back from Carol.
We did it the old-timer’s way, added a 100 or two towards the principal each month. Bonus..sleeping well at night.
How much faster did you pay it off? I been adding $300-$500 starting this month.
@@domingodelgado3944do the math . If your note is 500 and it takes 30 years and you pay 1k a month you’ll pay it off in 15 years .
How much faster did you pay it off?
I have a 3% mortgage interest rate and suddenly became liquid from the sale of a business and i am confused if i should pay off my mortgage or invest in the stock market.
Keeping a 3% mortgage and investing cash in the market, growing at 10-20%, is basic math. Look up dividend aristocrats, companies with a 25+ year dividend track record. Also, its advisable you work with a financial advisor for a well-structured portfolio.
Right, a lot of folks downplay the role of advisors until being burnt by their emotions, no offense. During the covid-outbreak, I needed a good boost to stay afloat, hence researched for advisors and thankfully came across one with grit. As of today, my portfolio has grown by 25% every quarter since Q3 2020.
this is all new to me, How do I find a suitable fiduciary advisor, can you recommend any?
I've stuck with the popularly ‘’Melissa Elise Robinson” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
Thank you for sharing, I must say, Melissa appears to be quite knowledgeable. After coming across her web page, I went through her resume and it was quite impressive. I reached out and scheduled
Bi-weekly payments (as opposed to once a month) are a great way to pay off a mortgage up to 5 years faster!
Bi weekly combined with extra payments
Lol tried that. My bank said no lol
I worked that out, my wallet said no
My banj defaulted to thats. The agent said I could opt out but firmly yet gently said to keep it
Let's say, let's say, let's say....I hear to many of them... It's a house of cards.
He used too many let's says lol. Life doesn't work like that, I wish.
The presentation is about speculative real estate investing with risk. What does that have to do with paying off the mortgage in five years?
What is not being considered is Taxes and Insurance which substantially effect this thought process. Not to mention escrow requirements.
I didn't hear the five year plan kris.
Talk a little about the risks as well please. What happens in a down market? What happens when renters don't pay? Thanks.
UItimately, the owner of the houses pays, regardless of how much income the houses bring in. If a tenant doesn't pay rent, they can stay for a very long time, even if the eviction process is executed promptly.
Defaulting on a property is seriously damaging to the credit score, and then there's the risk of losing both houses, and being hundreds of thousands of dollars in debt.
what happens if your interest of your home is really low and a heloc will give you a higher interest rate? would that still work?
Have you ever experienced renters not paying and the difficult process to eviction??? It is not fun. You still have the responsibility of paying both mortgages. There is a reason people rent, they can’t qualify for a loan!! Why? Because bad credit? Why? They don’t pay their bills, not responsible. Who gets stuck, the person on the mortgage. A quick way to stress.
But what if you already have a HELOC and bad bad credit? Is it possible your bank will not let you access the remaining equity in your primary home because of late payments?
This is something that people are already implementing in different parts of the world, and many metro areas like NYC. Some operate it by themselves and some use professionals to help manage.
But when you sharing this idea with RUclips audience whom you may not know about their risk tolerance and their investment knowledge level, I would suggest that you may want to state the assumptions made on the economic stability, rental market trend, taxes, maintenance obligations, cost of property and tenant management, geographic housing market growth, growth rate, the risks, investor risk assessment and the contingency plans of using this method.
sharing this investment idea to general audience without clearly explaining some of the most important considerations and potential risks is not the best nor the most responsible move in my opinion.
start a youtube channel, deadass
Well I agree but what if that’s what he’s gonna teach you when you go his website website 💡
He needs to explain the risks involved, namely what happens if your second property doesn't cover your mortgage, or you find a tenant that doesn't pay rent.
Ultimately you, and only you, as the owner are responsible for paying both mortgages. The bank will take the properties back if you default, and you'll be hundreds of thousands of dollars in debt with no real estate. Does that sound like fun?
I’m 100% on your side.
How about a down market? When if you rolled it into 3 properties and they all are all at a loss even if you purchased them for 20% below market and the markets fallen further?
Thank you for the video. Question: What about the risk involved in an approaching down market,? There’s talk about another real estate crash. How do you protect yourself from your primary residence’s bank from calling the HELOC and not foreclosing on you with your primary residence?
Roll the dice
Either take calculated risk or work 9 to 5 weekdays. Choose your poison.
Seems more efficient to just buy a home at a conservative price and pay larger monthly payments toward it
Fantasy numbers and speculative investing - monopoly investing
Please krish I want to speak with you
should i give you his contact
if you are having any issue with finance ... get yourself an adviser
I can introduce you to the one i work with
rochelle dungca schreiber
that's her name
What about the capital gains from the investment property?
How do you prepare for the possibility of not having renters in those investment properties? How much preparation do you need to cushion those hard to deal with scenarios?
you need to have an emergency funds saved, everyone is different but i like to have 6 months just in case, the once that didntnt have much saved were the once that burned when the 2008 big crash happen
The hardest part is the one why a lot of people don't or can't do it: Just find a house that's 20% off. So easy for an inexperienced regular dude, right? That's where everyone who hasn't been in real estate for a while gets stuck.
Get your real estate license.. Access to the MLS
Not looking hard enough
Terrible advice relying on market appreciation, with a nice little sales pitch at the end.
And theat means you watch just this video from him
Uh unless you actually get what he is saying
Buying a 2nd house reduces 30yr to 5yr mortgage. If i bot 10, i would have reduce it to 1 year. Great strat....
What if in my country the bank doesnt provide helocs. What should use
So when u buy the 2nd house u buy it in full price and not mortgage right
He helped me
with my
mortgage bills
HELOC ruined my life first of all interest is open-ended on a HELOC so banks get to charge whatever they want for that day so I got into an argument with the banker so he demanded I pay back the HELOC in full if you are considering this please read fine print
what does Kris have to say about this
I thought it was fixed and you have 10 years to pay off?
Alex G it depends on the terms of the HELOC. It’s essentially a 30-year amortized loan that is variable for the first 10 years, and then fixed the last 20 years (if unable to payoff within first 10 years).
Source: I’m a licensed lending officer.
I say BS on this story. I was a licensed loan officer for over 10 years and in the industry 10 more and I don't know any banks calling HELOCs early. They can freeze the credit lines, or if you are at the end of your interest only period they can turn it into a 15, 20 or 30 year. But you just made that up about the banker.
Thanks for sharing and banks change rates like people change socks
Hey Kris you fail to explained the Debt to Ratio that is needed to qualify for another mortgage.
other then that everything you said is easily doable.
So you can use a HELOC to invest in another house ?
Yes but it has risks.
I like how he says you can just buy these house as if the bank doesn’t actually look at your debt to income ratio. For me in my shoes I have 20k in equity but can’t buy another home due to my dti ratio being at 39% already with my first house
GETM0NEY168 that means you need other streams of income to compensate. Also, you are house poor.
You spent too much on your primary
I'm still not clear on how to come about the investment property with a 20% discount.
Foreclosure
As an investor u should NEVER buy a home without it being 10-20% off.. Hire a real estate agent if need be. One that works with investors. Tell them exactly what u need. NEVER just buy A HOUSE... buy THE house
Investors house have to put down 20% down payment
Most people don’t think about the recession that’s bout to happen
I would be doing this like crazy like 10 years ago not in this market. Be patient pay off all debt
Why
would love to learn more! lmk how you can help me do this and possibly work with you.
What about CGT? We have that in Aust, tax on any gains on investments 😢
Can I do this in reverse, take out the equity to buy a bigger home I want to live in and rent my home I took out the heloc on?
whatzapp
+1 3 0 2 4 8 1 9 2 5 7
@@georgesmith2078 what?
Management is very important if your gonna do this
I sure this advice worked in 2008.
What happens if the market tanks?
You forgot the most important part. A heloc is an adjustable interest rate based off nothing but your banks attitude. Home equity loan will at the least have you locked into the interest rate the bank gives you.
The level of risk in this scenario is not for the average American. Continue paying off your mortgage and when paid off, save and buy the other property for cash. This scenario works for some... but unless you have a million in retirement / other investments, not for the average person.
Kris how can you get many loans at a time???
Now talk about being a landlord and how to do repairs on all of your properties......... oh you have a website I have to pay you for, to do all this investing..... weird you need that web business with your booming realestate business.....
This is another income stream for him. You didnt have to pay him for this free video he made right? jeeze.....
You won't become a billionaire by giving stuff for free. Be grateful this video was free, education is expensive
@@karabo933
Well. There are tons of these ideas and ways to invest at the library. What is expensive is when you want someone hold your hands through it and can rely on someone live who may give you a false sense of success to look up to. That is where it gets expensive, the false mental support you think you are getting. But technically it does work, if you see through it all with the types of strategies.
The heloc payments doesn’t start right away I think after 3-2 years it becomes fixed at a certain percentage
life changing video
thanks chris for your investing knowledge
I was told NEVER borrow off where you sleep
Man...i love real estate investing but...20% Discount....5-8% appreciation...its all just so easy. No...its not.
Unless you are a slickster and also a hype up salesman.
I live in California.. it’s hard to find this. You need to qualify ..
Lucia Garcia hi Lucia, I live Texas. Dirk Hess helped. Now I have my mortgage debt of over 300k cleared and made huge millions dollars in my account in years. All he does his pure hacks. He replies fast on his mail forums legionofgloomhackers at Gmail dot com
Looks great in paper reality sucks is homes don't go up always, next home maintenance comes as a cost, why not show a real example like apples to apples than on a sheet
Let’s just say, this is how the housing market imploded in 2008 😂
Amazing video, I just found your channel and so glad I did
Athletic Glow go back to school
yugen dran Ok :-)
Hey chris... question... I got a mortgage $2835 monthly payment.... loan amount was 369,000 at 4.99% interest rate...they offering me a lower rate at 3.5% and lower monthly payment which is $2532.. this is refinancing with the same lender . I do not have to pay any fees at all.. my current balance now is $359000 with almost a year old mortgage.. if I take the refinance with same lender I will start over 360 months term and my loan will be $365,00 .. DO YOU THINK THIS IS SOMETHING I SHOULD TAKE??
There are fees to be exact $6,000 I would suggest to shop around. 5% is to high
how are you gonna take a 50k line of credit as a downpayment for the investment property and get qualify for a mortgage for the investment property with existing income. you wont be able to do this unless your income is 6 figures if not more. so this isnt even really applicable to the average middle income family
just very misleading that he makes it sound like everyone can do this
I love the way this guy talks!
How about paying off your 200k mortgage in two years by using a rental to pay off the monthly payments and save monthly as much as you can for two years. It works and you can too.
This man will have you filing bankruptcy
50% DTI required to qualify besides equity
Omg don't do this people unless you are prepared to lose thousands. This is the most risky investing strategy i have ever heard of seriously
What about taxes and if you can’t find renters for multiple years? There’s so many loop holes in this plan.
Where do you live. Because in California putting $50,000 is like putting down $1. You must be talking about buying a fixer upper because it takes forever to get that decent amount of equity.
Market goes up - you pay off your house early. Market goes down - you don’t have a house to pay off!
Dave Ramsey would not approve.
Smart guy
I am sure many can benefit from this info thanks for sharing.
No way this will work in a city like Vancouver.
What happens with the new tax laws about the HELOC is not refundable if it is not invested on the same home?
Not going to happen
This won’t work in Australia. You’ll pay 20% over market for the property. Too many hypotheticals. What happens if I won lotto. Well you grab only $300k of your winnings to pay off your house and invest the other 25 million in a term deposit. Works 100%. You just need to win lotto first.
The bank always asked how you are going to pay the loan back. SO the 500 per week has to pay the revolving credit line PLUS the mortgage on the second home. IF THE bank is relying on the rent of the second house to pay them back that is not enough. You need to have further income of your own. Also properties continue to go up. What happens if the economy crashes?
This video was very interesting. Never really thought about that idea but it sounds interesting and less complicated than other ways of using heloc to pay off mortgage.
Thanks again Kris! You're very inspiring and motivating me to purchase another investment property! I'm glad that I came across your channel a couple weeks ago! Very helpful videos, keep up the great work!!!
Thanks Eric! Glad you like it.
how is working with investmants Eric ?
We make additional $500 to the principal Every month and throw bonuses and tax returns at the house .
Paying off something available u at 4% while u can make 10-12% with the same..is a foolishness.
Wouldn't you have to pay back the remaining 60% on the second property with the remaining $300?
Thank u for the information.
Even the cat is paying attention 👍🏼
whats a equity growth market?
2:46
Kris can charge thousands but he has reached the pinnacle of the property empire and now he is reaching back and helping others !! He should get those AOs, OBEs etc from the Aust Govt !!!
After 5 years, the 30years mortgage property's price has been rising up to 20%....you get this small house free..
Noone ever mentions 20 years loans ...:/
This does not apply for most homeowners. A lot of assumptions that are much more difficult to execute in real life, not ro mention finding an investment grade property is like finding a needle in a haystack.
Great info. I heard the details of it from my Real Estate professor who was teaching this at Trump University. My question is, what is the life of the Heloc? Having real numbers would have helped, when you say you pay back your house with the $50k, there is still some balance left off of the mortgage. Do you pay it off with out of the $180k? How often do you buy and flip the investment properties within the 5 years?
You would be better off setting up an LLC so if it all crashes Dave Ramsey style you are protected.
Where are these 20% off homes u spoke of.
If only that would work in this sellers market 😞
Hi Kris!! I have been watching your videos for a bit now and i have learned A LOT. I actually got my house about a month before i saw your channel :( and i wanted to know, how would i know the equity i got in my home?
How much was the house? And how did you buy it? I cant find houses worth 100k. Would be really happy for a response 😌
The equity is the difference between the value of the house and the mortgage
@@adamrobson4424 *.. the difference between the value of the home and what you owe
this is exactly what i was looking for. great explanation!
Remind me of that Don lapier guy that was doing infomercials on the works greatest vitamin. He ended up killing himself though
This doesn't work in Australia
Roderich Withnell hackaz101@gmailcom
Smart man and great idea
Anybody can help me. Who would buy a house with outstanding mortrage of 20plus yrs plus the deposit?
This all assumes there’s no housing crash. Prices can’t rise forever.
Thank me
later
The assumptions from this six-year-old video seem unrealistic in May 2024. With HELOCs rates at 8-9% and a lack of 20% house discounts in the sellers' market, this financial strategy appears less applicable today.
Na thanks
Easier said than done. Keep dreaming
Haha many many people do this every day not a dream buddy. It just has a high risk but it not a dream.
I need help paying my bills my credit card 💳 is on negative 😩😩
Imagine doing this and now because of this pandemic you’re not earning that rental income 😂
That's too complicated and risky
Exactly
debt does not equal gains !
i still didnt receive my book after 2 months, but i wont let that discourage me. I know what he talks about works and im going all in.