Unleashing your Financial Freedom

You were the eyes so I could see when the smoke was rising up. You were the air that I could breathe. You gave me hope. You gave me something to believe. Now I'm alive and born again. Rescued from the grave of sin. God, your love came crashing in and pulled me out of the fire. I'm a survivor. Got your love crashing in and pulled me out of the fire. I'm a survivor. Oh, I'm a survivor. You're my God. You're my fighter. You make me a survivor. You're my God. You're my fighter. You make me a survivor. You're my God, you're my fighter. You made me a survivor. Now I'm alive and born again, rescued from the grip of sin. Oh God, you're If you've been walking the same old road for miles and miles, if you've been hearing the same old voice tell the same old lies, if you're trying to feel the same old old inside, he does investing.

And if you know anything about investing, sometimes you win, sometimes you lose, sometimes you win, sometimes you lose. And so some people invest invest for the first time and they don't win, they what?

Lose.

And when they lose, they get shaken up and then they don't do any investing anymore. But the long-term investors, the real winners, are committed to doing the investment when sometimes you win and sometimes you lose. This gentleman, he's what I call— everybody say unshakable.

Unshakable.

Say it again, unshakable. Unshakable. He's what I call the unshakable investor. It doesn't matter if he wins, he's in the game. If he happens to lose, he gets back in the game. If he gets knocked down, he gets up again. There's a Chinese proverb that says, get knocked down 7 times, stand up 8. So I like this gentleman, I'm bringing him to stage because he's been knocked down, but he's back up. Give him a round of applause! Hey everybody, Toby Potter here, the Unshakeable Investor. Man, What an amazing program we have tonight. I'm telling you what, I am so pumped, so excited watching everybody log on, seeing everybody, knowing that tonight is going to be transformational. Pumps me up, gets me excited. So I'm going to spend a little bit of time kind of sharing with each and every one of you who I am, where I've been, where I'm at, where I'm going. And then I'm also gonna share with you how you too can be unshakeable, how you, if you've ever thought of or tried or currently in real estate investing and you want to go to the next level and you face these anxieties, I mean, we know that right now we're in a little bit of a, what we call a disruptive time. Interest rates are high, valuations are high, deals aren't as easy to find as they were pre-COVID. Barely after COVID. But I'm going to share with you how nothing has ever changed when we started in 1994, 30 years ago, to today, how we're still knocking deals down left and right. And I'm going to share with you not only how we've done it, but how you can do it too, because you're going to be a part of a program that nobody else offers. And I make that promise very profound. This is a program that transforms lives. And so I'm going to share with you a little bit before we get into the actual program and all that. I'm going to share a little bit about me. So many of you know me, some of you don't, but the one question is, why do I want to hitch my wagon with this guy? And I'm going to share with you why that is. So, um, They call me the Unshakeable Investor. I've written multiple marketable articles— Fox News, NBC, AP, CBS— and these are things where I have basically told the world how I've done what I've done. Um, as you can see here, won many awards— Inc. Magazine Top 100 Fastest Growing Real Estate Companies in 2022, coming out of COVID Private Lender of the Year Best Lender Award in 2025. So we back up what we say, and this is what is so important, because when you think about you changing your career, changing who you are, what you do, and how you want to do it, you want to be able to align yourself with somebody who has a clue what they're doing. And so I'm going to spend just a few minutes not bragging but just establishing credibility. Here are some books that I wrote. And so one of the things that's so empowering is being able to put into words how we did things. The Unshakeable Self is the foundation of this whole program. Being unshakeable means I can overcome any storm that comes at me, and we've been through them all. We started in 1994, went through the 2008 crash, Lost it all. Millions. Lost it all. Bounced right back. Founded Global Integrity Finance. And as you saw, the accolades and awards grew. It built it through all this, even through COVID and even through now this disruption that's going on. But I wrote these books so that it can resonate with individuals as to how do you do it? What do you do? Where have you been? You know, one of the things that, that you have to understand is, is if this guy has the ability to get on and talk Who is he impressing? This is Kevin Harrington, the original shark from the, from the, uh, TV hit series Shark Tank. And I'm going to share something with you real quick about my time with Kevin Harrington to validate this is not a staged—

Hey there, I'm Kevin Harrington. I'm an original shark from the hit TV show Shark Tank. I'm here with Toby Potter.

Hey, Toby, good to have you, man.

Here we are in downtown St. Pete. Now, you are a real estate lender and you have done, over the last 30 years, you've been doing a lot of stuff. In the last 10 years, over $1 billion in lending deals for people in the real estate industry. And you've got a $50 million line of credit. That's right. This is, you're a bankable guy.

Right.

So, but you're going to help people become bankable themselves.

That's right.

And fix properties and start their own business. And really, is it partnering with you, or what is it they would do?

It's all the above, Kevin. So, you know, as a lender, as a direct lender, we look for deals that are good fundable deals, right? A lot of people right now are getting into real estate investing because the market's just not getting there, the retirement's not getting there, but, but it's harder now to get deals. Gotcha. And, and banks aren't doing deals unless you're experienced.

Okay.

So we will partner with you to give you that experience, to ensure that success, profitability, and, and make sure that this deal pans out. So there's that with Kevin Harrington. And as you can see, you know, Kevin and I have met several times. We've had multiple conversations. I work with Kevin, Kevin works with me. In fact, there was a, uh, an Instagram post just, uh, 30, 40 minutes ago. Him and his CEO Brandon T. Adams posted, hey, be on this webinar tonight because if you're looking to change your financial situation. If you're looking for generational wealth, this is the platform you need to be on. Bradley— I don't know how many of you do podcasting, all this, but this guy is the bomb. In fact, the, the podcast is called Dropping Bombs, and this guy is phenomenal. 5.1 million followers. He has a bigger presence in podcasting than anybody else I'm sitting there on this show talking about this program, rolling it out. Here's what Bradley had to say about it. Money, because you're basically saying, hey, listen, let me, let me teach you how to get some discipline and, right, you know, better on yourself, you know, a lot more than you are. So I have to be more comfortable. Yeah, about— you're hedging your bet, man, by making them success. So This is where we went into a very in-depth conversation about the program, about how we want to roll this out to ensure success for everybody involved. Here I am. You know, one of the things that's just very, very important is who do I hang out with? This is Patrick Mahomes. Yes, the Patrick Mahomes, Kansas City quarterback. There next to me is Georgie. So if any of you watch Young Sheldon, That's Georgie. We're playing in a cornhole tournament. And then at the very bottom, my good buddy Neil McDonnell. Neil McDonnell just had a movie come out, The Last Ride. If you haven't seen that, that is an amazing story. So this is who I am. This is what I do. And these are the, the lives that I hang out with. These are the people that help me become better each and every day. So one of the things I want to share with you is is how, you know, we, we heard in 2022 or 2023 that the rates were going to climb and real estate deals were going to get tougher. And I said, bullcrap, bullcrap. And so we saw this opportunity, and in 2024, we set a mission. At the end of 2023, set a mission to acquire 1,000 doors during this disruption, during these high interest rates. Because see, what you don't understand and what most people don't understand is when there's disruption, there's opportunity if you know where to look. And if you don't know where to look, all you see is chaos. If you don't know what you're looking at, all you see is a storm. But when you have a seasoned investor who has done over 6,000 deals, over a billion dollars in fundings, you have a little bit of insight. And a little bit of understanding. And so I'm going to share with you how we saw this opportunity last year and how we capitalized on it. So one of the amazing things was, is that we just— I'm just going to show you just these two properties. So this property on my left, Market Street Apartments, is in Evansville, Indiana. We bought this property for $750,000. It was an absolute dump, had been vacant for 3 or 4 years. I'm going to show you some pictures. You're going to go, oh my God, unbelievable. But when we were done, we bought it for $750,000. We put $4.3 million into it for renovations, converted it from a 109-unit senior living facility to a 59-unit apartment complex that is fully, almost fully occupied today. And valuation's around $10.5 million. So right there, $5 million earnings, profit, net equity, whatever you want to call it. In one year. While the deal on the right, Evansville, our Evergreen Apartments in Longview, Texas, that is a unique story in itself. And I'm not going through the details, but we acquired this deal, did an assumption at a 4% rate, $3.1 million loan balance, put another million and a half into it, and today it's worth about $6.5 million. And here's what they look like. So this was Market Street Apartments. When we first started, this is the mold, the mildew, how nasty this property was when we bought it for $750,000. Where everybody else is saying rates are too high, valuation's too high, we found gold mines. This is what it looked like when we took it over. This is what it looks like today. When we got done, this is the property right there, downtown Evansville. This is the fitness center. This is an apartment that we converted. You saw all that mold, all that mildew. This is what it looks like today. This here is the property in, in Longview. This is what it looked like, just like this. People were actually living in there. This was a 60% occupied. The other one was vacant. Good news. This one was occupied and people were living in crap like this, and it just pissed me off. Look at this. Nasty, nasty, nasty, nasty. This is what it looks like today. This is what it looks like today. This is what it looks like today. That's what we do. We find gold mines, we find nuggets, and we polish them up and double, triple valuation. You know, one of the things that I teach more than anything else is that in order to be successful, in order to, um, capitalize in real estate investing, you must have 3 things. You can't have 2 of the 3, you can't have 1 of the 3, you have to have all 3: the right project, the right knowledge, and the capital. Capital. This is what I'm bringing to the table to any and everybody who's ready to transform their lives. You must have and understand how to find the right property. You must understand how to know that's the right deal, that you crunch the numbers correctly, and then you must have capital to execute. This is what we're going to show you, what we're going to provide to you today. And here's what I'm telling you, there is a ton of people on here We're only taking 30 because I can't give you the, the right leadership, the right coaching, the right training if it's more than that. So we're only taking 30 people that are sick of where they're at. They're sick of not having financial freedom. And I guarantee you, you don't have generational wealth. And those are the things that are so important. You look back as far as Andrew Carnegie, Warren Buffett, Anybody that's a multi-billionaire, they'll tell you 75, 80% of their wealth is in real estate because real estate is a commodity that never, never tarnishes. It never goes away, and the demand is higher now than it's ever been. We have a 6.5 million housing shortage today. Let that sink in. 6.5 million people needing housing And all you hear in the media is real estate is dead, real estate is dead. It's not. It's not as easy as it was, but that's the awesome thing, because now you find gold mines, gold mines after gold mine after gold mine when you know what you're doing. Most people don't get into real estate investing because of fear, fear of failure, fear that, you know what, what if I, what if I run out of capital? What if the market turns? What if my contractor doesn't do a good job. What if, what if, what if? And I say, you know what, those are the right two words, what if, but let's change the ending. What if I could align myself with somebody who's been there, done that, that can guide, direct, monitor, coach, mentor, and has skin in the game with me? See, here's the deal. All those other coaching programs out there, Grant Cardone, Brad Somerhaug, all those coaching programs, all they do is say buy this program, go do the study, and sure, you get weekly or monthly calls, group calls, and then you're on your own. And then it's frustrating because you find a deal and you've run it through all their little systems and programs like, I don't know, that creates more anxiety, more fear, and more frustration. I've been doing this for 30 years. I've seen every program out there. Why I created this program? Because I want to transform lives. I want to show you how easy it is to be able to go from zero deals to all the deals you want to do with security and assurance. So change it. Not what if everything's negative, what if the market, what if this guy can guide me, what if this guy can coach me. What if this guy will put his own money in? And what if we have success? What if I learn? What if I become successful to where I can quit that job? What if I can now have generational wealth for not only my kids but my grandkids? That's the what if you got to be asking yourself. And what if I don't make a decision? Guess what I will tell you the absolute answer to that is? If you don't make a decision, nothing's going to change. I can guarantee you that. So why this program works is because I have done it. I've shown you I've done it. You can Google me, you can look me up, you can do all that you need to do. There's no hype, no fluff. This is real, and I'm bringing it to you because I want to help people have the success, have the lifestyle that I've been afforded. And so there's a daily action that we work with you every day, not just give you a course, not just say, here, go read this and do this. We work with you each and every day. We have a proven system to ensure it. The operations creates success, and then we help you understand the mindset. See, most people are afraid to go and ask somebody, hey, you got it listed at $225,000, but I'll give you $180,000. See, when you walk up with $180,000 cash and throw it on the table and say, here it is, take it or leave it, they take it 99% of the time. And that's what we give you. And we give you a foundation that's proven. We give you a system that's guaranteed for success because I'm right here beside you. And I got a little special nugget that I'm getting ready to show everybody as to what makes this thing so much better, so much more new. Yeah, yeah, Toby, you're great, you're wonderful, but you know what happens at 2 in the morning when I when I get a wholesaler sends me a deal and I got to make a decision by 8, I can't get a hold of you. I got something for that too, to ensure that there's never a moment in time you don't have me giving you a directive as to how to move forward or how not to. And that's important. So here's the 90-Day Operator Skill Program. Here's the blueprint. So as I said, I'm not only going to coach you, I'm not only going to mentor you, but I'm going to partner with you if need be, and I'm going to fund the deals. Nobody does that. Nobody. Trust me, call me out on it if you want. Nobody will give you a program that says we're going to work with you day in and day out for the next 90 days, every single day, not just once a week, once a month, every single day we're going to work with you. We're going to mentor, guide, direct, show you the tools, show you the resources, show you the daily disciplines to ensure success. And when we find— when we find a deal, we're going to fund it. So you don't have to worry about where I get the capital, where do you know— I got a deal, it works, the money's there. How many times, if you've been a real estate investor, how many times have you found a sweet deal and couldn't find the capital to close it? How frustrating is that? Because here's what I know, 30 years in the industry and flips. So So I have flipped over 200 houses, fix and flip alone. And as I said, we purchased almost 300 doors last year. So I've been there, I've done that. But how many times have you gotten a deal and couldn't get it funded? See, 85% of your time is spent trying to find the right deal. And when you find it, by golly, you need to have the funding there to execute because that is your lifeline. That is your future. And I'm here to ensure that happens. So we bring you funds. We've got a 28-day Ignite program. I want to not only help you become financially stable with generational wealth, but we're also going to set you up, the unshakable individual, so that no matter what, you can weather every storm. How do you think I went from having millions to losing it all from the 2008 crash? To rebuilding, then going through COVID, and then going through this industry and having success after success after success simply because of my daily regimen— spiritual, mental, physically— being strong on all three legs to ensure that I can face any storm that's thrown at me. I'm going to teach you that too. That's a freebie because I want you to be a better person tomorrow than you are today, and then more financially free tomorrow than you are today. We give you the Deal Analyzer, we give you the Deal Discipline System, we give you my AI, and I'm going to show you an example that, that is something that is profound. You're going to have me in your pocket 24/7. That is a remarkable tool, and I'm going to show you how that works in just a second. You're going to have a community. Remember I said we're only going to have 30 people? We filled a few of those slots. We've got a few left to go, but that's it, because I want to be able to give you undivided attention and to ensure you have success. Again, I'm not Grant Cardone. I'm not going to sign up hundreds and thousands of people and then just kick you out to the wolves. See, there's no success. Those plans fail more than they succeed. And that is not right, because you are putting your hard-earned money, sweat, and tears wanting a better tomorrow, and you deserve that. You know, I don't subscribe to entitlement, but I will tell you this: you are entitled to a financial future. You're entitled to abundance. You're entitled to an amazing life. Your family's entitled to enjoy the riches of the world. You have that entitlement, and I'm going to show you how to achieve it. If you're serious about changing the path you're on. Because if you don't change it, you're going to end up the same spot. You're going to get 6 private coaching sessions. You get 2 15-minute coaching sessions per month during the 90 days, but you also get 1 hour of that community call every week. So every week we get on a call and we go over deals so that everybody hears what's going on and how it was analyzed, how it was structured, why it doesn't work, why it did, so that you learn from everybody else also. And this is a community that will grow rice together. And then we have our 90-day program. We've got some bonuses that we're going to throw in there. We're going to throw in for, for this first group, we're going to give you an extra coaching call. We're going to give you the rehab estimator so that you can just run those numbers instantly, know exactly where to be. We're going to give you scripts because here's the deal, just because you find a property in a really strong neighborhood, Not everybody knows how to approach a seller to make it where it's not offensive and to make it where it's a win-win. Not everybody knows how to do that. We do. Been there, done that. And I'm going to help you make sure you learn how. And then you have the Unshakeable Investor AI, which is the AI program that ensures that 24/7 you have the answers you need. Something I want to show you that this is not something brand new. This is something we've been doing for a long time. We're a hard money lender, but here we are on site and gonna walk you through this property to show you how we help manage and keep him on budget, keep him on track. So follow me inside. Let's take a look at this project and let's talk about it— the good, the bad, the ugly— but how he's going to be guaranteed success in his project. See, that's what we do. That's what I do. That's what my team does. We make sure you have success. We were on site, and I could, I could show you more videos, but we don't have all night. I'm personally, personally— you saw me, that was a younger me. That was— you can see I'm a little bit older today, a little thinner too. I didn't realize how chubby I was. But I'm on site, the CEO, the founder of this. You ever see Grant Cardone, Brad Sumrock, all those guys on site? No, you don't. This is the glory and the benefits you get from a real program that has real results. No hype, no fluff, real battle-scarred results. Let me see if I get this to work. I may have— I may have messed it up, but I'm going to show you the power. And if everybody is, is, is, um, schooled in AI today We are AI-driven because we need to make sure that we are ahead of the game 24/7. Let's see if I can get this thing to work. Technology has not been our friend today, so I'm pre-warning you, this may just not be favorable, but I love this. I love this. Hey, um, I'm a client who's looking to join Toby's 90-day Success in Real Estate. Why would I want to do this? What's so special about this program?

Joining Toby Potter's 90-Day Success in Real Estate program called Ascend is a game changer for intermediate investors who've already closed a few deals. What's special about it is that it doesn't just provide theoretical knowledge, it transforms your mindset and habits into those of a professional operator rather than a hobbyist.

So if I join, if I sign up for this, I have you at my beck and call to help analyze, run numbers, help make, uh, strong financial decisions?

Absolutely. If you sign up for any of my programs, you'll definitely have my support in analyzing deals, running the numbers, and making strong financial decisions. It's all about practical, actionable guidance to ensure you succeed. Let me know if you have any specific questions about the programs or anything else.

So, so if I'm out in the neighborhood and I'm driving the neighborhood and I find a property that I like and I give you the address, the potential purchase price, the estimated rehab, what are you going to do for me?

If you give me those details, I'll dive into the numbers and analyze the deal thoroughly. That means I'll look at the purchase price, the rehab costs, and the after-repair value to ensure there's a healthy profit margin. I'll also consider market comps, potential risks, and give you a clear picture of whether it's a solid investment. Essentially, I'll make sure you've got everything you need to make an informed decision.

Thank you so much. Have a good night, babe. So when I call— I called a computer babe. That's— I'm I'm in love with it. I'm in love with it because it's a game changer. It's an absolute game changer. You now have that program right there. That's my program. It's called Toby AI. 30 years of everything I've done, every 6,000 loans that we've underwritten, 300, 250 fix and flips, 300 doors, everything we've ever done, and all the conversations I've had with clients. That we never even touch is all dumped into that. So that when you're sitting there at 2 in the morning and that wholesaler calls you, says, hey, I got a deal, or you're getting an email and you need to be able to make a decision before the sun comes up and you punch this in or you talk to this AI, it tells you yes or no. Here's why. Here's how. And the other thing is, I'm not going to go into it, but then you say, all right, So I like the deal, but I really need to sweeten that margin. So, so as I said, seller's asking $220,000. I think we're going to run about $60,000 in rehab and it's worth $350,000, $375,000. But I got carrying costs, I got closing, selling closing costs. I need to sweeten that deal. So I want to, I really want to offer him $190,000. So, so Toby's AI, can you help script me a way to submit that's professional and not offensive and a win-win, it'll do it that quick. That quick. That's the power that we're bringing to you to help ensure your success, your profitability. Now, that's the 90-day program. That is what we're rolling out. Here's what gets even better. So let's say you're that person says, you know what, I want more than 90 days. I want 12 months, a lifetime. We're rolling out a lifetime membership program. So this is the Elite Real Estate Roundtable, and this is an actual ring for those that go to the lifetime program. This is custom made. I was hoping to have this ring here today because it's engraved with your name on the inside and the date you signed up. This is a lifetime legacy deal. And it's one of a kind. You can Google it, you can search it, there's not one out there. Only my members on the Lifetime Membership get this custom made for you. This is the deal. So the Lifetime comes with this. It's a 12-month guaranteed program, so you're not just there for 90 days, you're with me for 12 months, 365 days a year, 52 weeks, and you have the deal You get my brain, my money, your success. But it gives you 12 months of that elite access, 12 months of, of, of me. You get my— don't only— not only get my AI, but then you also get my private cell phone number so that if you need me to step in immediately, help negotiate, you got— you're at the kitchen table, you got the seller, they're pushing back, and I need to jump on a call, there I am, there I am. And if I can't close ain't nobody closing, I promise you that. You get 24 private coaching sessions. You get direct access— let me blow— oh, wrong picture, I'm sorry. Uh, you get 24 private coaching sessions, direct access to me, you get my own personal cell phone number. You get free entry as we start rolling this out nationwide. We'll have workshops, 2-3 day workshops. You get to come to every one of those for free because you're a testimony to those people. And you get 50% off of any of those books, any other course. We got 9 courses that's more than this— multifamily, all the other stuff. If you really want to go into commercial, anything you want to go into, we have that course. My Knowledge, get 50% off of that. But you're in also, you're locked in for life. You're now a partner. And nowhere on here— and I may have said it, I'm wondering, I'm You're not just a member, you're not just a subscription, you're a partner with me and my team, and you become family. So if this is something that you're interested in and you like everything that you're hearing, then, um, what we're going to do here is— I got, I got several chats, uh, make sure I'm not missing anything on here. Good. So the next step is that, um, I'm gonna put up a link here. And if you have, uh, if you want more information, you're serious about making a transformation, click the link below and we're going to put you over to one of the team members. I'm going to stay on here for just a few more minutes, answer any questions anybody has. But here's where you now get to the meat and potatoes. If this is a fit for you and you're serious about you're serious about transformation, and you're serious about generational wealth. So let me launch this. So click that link right there, The Unshakeable Investor. Click that link, go in there, talk to my guys. Like I said, I'm going to stay on here for a little bit longer. We're going to answer any questions anybody has. Um, you know, we've got an unbelievable amount of people on here, and I'm extremely excited. Um, this is something that, that is a legacy for us, and we want to just be able to share it with everybody and be able to, um, transform, transform lives. So click that link below. It's only gonna be up there— I think it's set for 10 minutes. We're not gonna be on here all night because it is almost dinner time for most people. Uh, it's past dinner time on the East Coast, West Coast is getting ready to, uh, call it a day. So jump on there, uh, click that link, go talk to one of my guys. And, um, I'm gonna say right here, if you got questions— or here's the other deal, if you have questions about the AI and you want to ask a question on it, your question, I'll do it live right here so you can see your question being answered. Yes, Kyle, there are, there are several other programs besides the Ascend and the Legacy. So if you'll go over and talk to one of the teams, they'll go over those with you and find the one that's, that really fits for you. The 28-day Ignite course, that is a great question. So the 28-day Ignite course is the Unshakeable Self. So this right here is a book that I wrote that helps transform people to build them spiritually, mentally, physically. It's a daily discipline that, that causes you to start the day with all the power at your will. You need to be physically, spiritually, mentally strong, as I mentioned earlier, um, to achieve things. So you can just take and do this. So there's two options on this. It's $197 for the self course. It's 28 days. It's customized for you. You do a 25-questionnaire, uh, we come back and build this for you. It's, it's extremely exclusive. And then you go through a daily regimen for the next 28 days. The good news is, because it's so powerful, because of all the, uh, reviews that we've gotten and all that, we've now launched a 30-day deal. So it's now $99 a month No long-term commitment, and you can have this for 365 days a year, 52 weeks a month— I, I mean, 365 days a year, 52 weeks a year, or 12 months. So this is something that will continue to grow and build. And with every other course, this is automatic. This is a requirement. You have to go through this because I'm going to transform your life, not only finally financially, but I'm going to transform you spiritually, mentally, physically, Uh, so, so Connor says, what's the biggest challenge? What's, what's the most challenging deal you've done and how did you turn it around? Man, Connor, I tell you, uh, the reason why we showed those two apartment complexes, because they were transformational. So I'm going to share a quick story while we're— and I see tons of people jumping on, talking to the team. So the Longview property was a 94-unit apartment complex, as you saw. In total disarray. And it hit the auction, and the broker called me, said, hey, uh, we've got— I know you're buying apartments, I know you're going commercial, we got a deal that's a sweet deal, um, here it is, it's going to auction, so if you want to come in right now, make an offer, we can, we can stop the auction in 2 days, I think it was. So we looked at it real quick, did a real quick analysis, and said, you know what, I'll, I'll do it at $2.5 million. Oh, the broker's, oh my God, no way. This thing's a $4 million property. I said, we drove out there, walked it as quick as we could, it wasn't no $4 million. I said, you know, I'll do $2.7, that's my max. I said, well, we're going to run it through the auction. They ran it through the auction and they got a $4 million bid. And they called me, the broker— I'm really tight with the broker— he calls and says, see, I told you this is a $4 million deal. I said, here's the deal, buddy, in 60 days call me back. Because one of two things: either this guy's legit and he bought it sight unseen, and I'll buy you lunch, or he walks, and then you and I are going to negotiate. 60 days or less than 60 days, he called me, said, you're right, the guy walked, but we got to get out the banks, forcing this guy's hand. I said, well, I gave you my offer. He said, he's upside down, he owes $3.1 million. I said, oh, he owes $3.1 million, that makes sense. Where's the note at? I said, well, it's at Eastman Credit Union. What's the note at? He said, well, it's at 4% on a 20-year note. I'm like, I'll assume that note. Oh, they— it's a credit union, they don't assume notes. I said, all right, let me talk to the bank. So we got— so we talked to the bank. They said, no, we don't do assumptions, but if you'll send us your financials and, and everything, we'll take a look and see what we can do. I said, well, you got to get close to that 4%. We sent them our financials and they came back and gave us a 7.5, 7.7 rate. And I said, I'm out. 2 weeks later, the bank called and said, hey, the seller's got to go. He's an out-of-state seller. He's not managing the property. He's got to go. Uh, well, we'll let you assume the note. I said, okay, great. So we're getting the note, $3.1 million. 4% rate, 20 years left on the note. Yep, just like it is, we're just transferring to you. I said, all right. I walked it, it's in pretty rough shape. Let me go now do a full due diligence. No problem, no problem, take your time. Sent our team out there, they did a due diligence, and we went to every unit, took over 270 pictures, put all this together, sent it to me. First thing it is, I sent it to the bank. Said, here's the deal, just want you to be transparent on your assets. Bank called back like that, said, oh, so I guess you're going to walk from the deal? I said, nope. I said, I walked that property, I saw people living in that squalor. I was nice. And I'm, I'm upset. I'm not going to walk from the deal, but I'm going to need another million dollars from you to make— to turn this around. He said, done. Will give you a line of credit. Now that was the hardest deal, but see, this is what I'm talking about. This is what I bring to the table. So we not only got this 94-unit at $3.1 million, 4% interest rate on a 20-year note, assuming no closing— I paid $5,000 at closing for that deal, and I got a million-dollar line of credit to go do the work. These are the kind of deals we do. These are the kind of deals I teach, and this is the partner you're getting if you're serious about transforming your life. So click this button below, go talk to my team, find out where you qualify, and let's get things going. You know, because here's the deal, every one of you are on here on a Thursday night It's 6:30 here in McKinney, Texas. You're not on here because you had nothing else going on. You're not on here because you're bored. You got on here because you want more. I know this because I was there. You want a better opportunity. You want guidance and direction. You want financial security, and you want stability, and you want everything that you're entitled to, which is abundance, excitement, happiness, travel the world. I just got back from Africa. I just— I spent 2 weeks in Ireland, then turned around a week later and went for 12 days in Africa. See, this is what this affords you. And I'm not bragging. Please don't take it that I'm bragging. What I'm telling you is I lost it all after 2008. I was so broke I had to recycle water bottles. For 50 cents I could refill them. Cost you like $2.99 to buy a case, but for 50 cents or a dollar, I can't remember, I could recycle. That was saving money. That's how broke I was. But I didn't stay there. I didn't allow it to hold me down. Simply because of this right here— spiritually, mentally, physically. And I rebuilt to who we are today. I rebuilt to a life that most dream about. See, I don't dream, I live it. My family lives it. My employees live it. You can too. All you gotta do is click this link and say, tell me more. You don't have to sign up tonight. Learn what the opportunities are. Figure out where you fit in this ecosystem, and then let's transform lives. Let's make a difference. All right, I've got a couple more minutes. Got— well, got 39 seconds. If you still need more information and you want to schedule time with me You can click that button right there. You'll schedule a call with me if you have more questions, you need more clarity. Click that button right there, uh, find a time on my calendar. I will give you, uh, some more information one-on-one so you're not having to, to, you know, second guess. Because see, we started this whole deal out that 99% of people people don't get into real estate investing for one reason: fear. One reason alone. They're scared of making a mistake. And I'll guarantee you, if there's anybody on here still that said, you know what, I did a deal and I lost my butt, but if I just had somebody that could have known, helped me sidestep that landmine, we'd be better off today— well, now you have that opportunity. Fear stops us from everything. Through the Unshakeable Self, I'll teach you how to face that fear head-on and know that you'll win. You'll come out on top every time, because I also believe in the old saying: if you don't quit, you don't lose. You don't quit, you don't lose. So this is what we do, this is what we teach, and here's the awesome thing about it: I'm willing to invest in you. If you're willing to invest in you. I don't know anybody else that says that. I've— I don't know anybody. You might, but I don't. We're serious about what we do. Seriously, all right, so I'm gonna throw the link up one more time for you to, to meet with the team. All right. Nope, wrong one. That's what happens when you don't know what you're doing. There you go. Click that button right there if you're serious. Click it if you're not. I appreciate you. I, you know, wish you the best of luck, and I promise you, you are amazing. You were born to win. You have everything inside you to achieve greatness. It's just a matter of you accepting it, realizing it, believing it, and going after it. I'm gonna let this run for a few more minutes. Got a couple more questions here that we'll answer. Um, Oh, looks like we got them all. Any other questions? I was really hoping somebody would throw up an AI question. What do you foresee the rates from? So yes, so that's a great question, Anthony. Um, as you guys, if you've been following the news at all Uh, so we'll back this bus up, uh, 8 months. So it was always projected that when Trump— if Trump won the election, in the first 100 days he would start dropping rates because he knows that stimulates the economy. But I don't think that he really realized how bad everything was, and the tariffs took over and became a high priority. And now we've got billions of dollars a month coming into the US because of the tariffs and the redesign of that. But finally, all that noise, all that dust has settled, and it's very, very pronounced, pretty much a sure deal that rates are going to drop next month, probably a quarter. I don't think they'll drop a half, it's too much. But we've been saying now for 8 months that once rates drop below 6%, Whenever there's a 5 in the front of that rate, doesn't matter if it's 5.875, 5.75, doesn't matter. The minute they go sub-6, the real estate market's going to take off again because it's just a perception that, holy cow, here we go, so we better jump in. And so that is happening in the next 30 days. It may be happening sooner. And then they've got 4 more rate drops by the end of the year. So when that happens, we're going to be in the low 5s or even sub-5. And then I guarantee you real estate investing is going through the roof, kind of back the way it was just right after COVID when rates were like at 2 and 3. So if you're already a real estate agent, how does this increase my revenue, uh, with possible sales? So if you're already a real estate agent, this is a program for you because you already are struggling. You've, you've probably had— if you're a real estate agent, there's only like 3% nationwide that's still maintaining 6 figures or more. The rest of them, they're doing now 5 deals a year, 6 deals a year. But see, the awesome thing about real estate invest— or realtors is you've got the key to all the good stuff. You see properties first and foremost. You build great relationships, and you have an inside track to those properties before they ever get out there. And so through this, you could joint venture this while you're doing your— and as a real estate agent, you get to list your own property. So you get a commission on the buy, you get to save on the sale, you just maximize your profitability. So, um, this is one of those things that We really, really love the real estate agents that really said, you know what, I've been doing this, I've been a realtor for 5, 6, 7, 8 years, and it's just not where I wanted to be, and I've been looking for a different direction. This is the way we've transformed their lives because they already have the understanding of neighborhoods, they already have an understanding how to negotiate, they already have the ability to work with contractors, they already have 70% that most of us don't. They have that network. And see, one of the things that I really didn't touch much about was that your net worth is equally proportionate to your network. And realtors have an amazing network in real estate investing. So for realtors, this is a gold mine because this takes you to the next level. This now triples your income. And I've seen— we've had more realtors who are pretty good. I mean, they're doing $150,000, $200,000 a year, get into our program and say, you know what, I'm done. Because that's a lot of headache to be a listing agent, a buyer's agent. If you— can you imagine being a buyer's agent and you take a client out 10, 12, 15, 20 times and they don't buy? You don't get paid until that deal closes. It's a lot of work. It's a lot of work. You don't have to do that anymore. You go and you work neighborhood, and you have that inside track. You already have all the knowledge. You have a foundation of knowledge that we can take and put it on steroids for you and really skyrocket your success. Great question, Mark. All right, yeah, I got another one here. What if during the process I decide to keep the property to rent? Will you help me find a loan to keep that property? So this is— that's a great question, Brian. So we do both. We want to start you out on a fix and flip because really most people are looking at growing income today, possibly replacing their job. So if I need to make $6,000, $8,000, $10,000, $12,000, $15,000 a month, I need to flip 1 or 2 deals a month. But then that's not generational wealth. And so we have the bridge loan financing and we do the long-term DSCR loans. So a lot of our clients, once they start doing 1 or 2 deals, we start growing that. So, okay, now we're going to take this property. This is going to be a fix and flip, but this one over here, we're going to convert it to a rental. And in a year or 2, you got 4 or 5, 6 rentals. And now you're building generational wealth because then I'm going to show you how to pay that mortgage off in 9 years. So when you go to retire in 10 years, you now have $4, $5, $6, $7, $10 million in assets, no debt. You've got a residual income, mailbox money, $30,000, $40,000, $50,000. Now the problem you're going to have is how— what do I do with that money? Because I don't pay Uncle Sam. that's a whole nother problem. But that's a problem that you want to have. So yes, we will teach you how to do that, what to look for, because that's when I say generational wealth. It's all about building a portfolio that gives you money while you're on the beach, while you're in Ireland, while you're in Africa. I got money hit my bank account. That's what you want. That's what you want to become. Now you travel and you enjoy everything that you're entitled to enjoy. Anybody else? All right, the team is telling me to hang on, that we are running and gunning. So I do not want to cut this short, um, because if you guys are transferring over and signing up, we are— we're having a blast. Uh, any other questions? Surely somebody has a question. Kyle Oliver, where you at? Uh, we're in Texas, Kyle. Kyle may be in the breakout room. The question popped up. See what we got here. What if I'm new to real estate? What is the learning curve? Um, that's a great question. That's hard to answer, Brenda. Um, this is so, so— and I'm— man, that's a great question because this really helps me, uh, spell everything out. So the reason why we do the Unshakeable Sell There's a 25-question questionnaire there that you go through, and it's assessment, and it tells me everything about you— where you've been, where you're at, where you want and need to go, and how to get there. And so we go through that, and this helps me understand you and how you learn, how you absorb, how you, uh, transfer information. So through this Unshakeable Self program Um, this is a, a kind of a foundation of understanding so that I can gear this that you get it the best, simplest, quickest way, and that learning curve flattens. So, um, you know, for a realtor who has the foundation understanding of real estate, neighborhoods, ARVs, contractors, this is a no-brainer. They're going to be up and running in a week or two and we'll be knocking down property. Most my realtors that join this program, they've knocked out, they'll knock out 3, 4, 5 deals in 90 days because now they're just running and gunning. And because we help them put systems together, that's the only difference. They have all the information, have the knowledge, it's systemized. For those who are brand new and all this is, is a foreign language, then it's a little bit slower. But I would say in 45 days we're already making offers and we should be able to pull a deal down within the first 60 days so that we close and get things going by the end of the 90 days. And that's what's so remarkable about it. All right. Um, Mark, great question. Can I bring my own contractor into the rehab process? Absolutely. Relationships are invaluable. Relationships are invaluable, meaning if you have a proven track record with a contractor and you already trust them, then it's so much easier to know that those numbers are accurate. You couldn't imagine how many deals on the lending side that we get where the client got a scope of work, say $80,000, and it looked really good, but then halfway through it, the contractor says, oh, you know, I think we're going to need another $20 grand, which kills the whole profitability, just eats it up. See, having that predetermined, pre-established relationship, trust factor, and understanding of how to communicate and expectations is invaluable. So absolutely, if you don't have them, we're going to find them for you. We have a national firm that will help establish contractors in your area to make sure that we have a solid team. But if you already have one, this is, this is just remarkable. So yes, Mark. Oh, another question. Brian already answered that one about the contractors. Um, well, no, I didn't. So yes, we help you find the contractors. I got them mixed up. So the good thing is we've done over— we, we've, we've underwritten over 6,000 deals nationwide. We funded over a billion dollars in the last 30 years. So we have relationships in almost every nook and cranny. We have clients in every nook and cranny. And here's the deal, They love it when we bring another group in because now they're not having to struggle while their framer or their electrician or their plumber sitting around because we can keep them busy and therefore they don't go to another job that now that when my guy needs them, they have to wait for them to complete that job. So when we bring our team in and use those contractors on multiple jobs, everybody wins from that. So yes, we will help you find those contracts. All right, I'm going to throw it up one last time, one last time. We still have a good group of people on the call, but in 3 minutes I'm shutting her down. So I do want to say one more time Thank you, thank you, thank you everybody who's been on here. Uh, my stomach's growling, I'm sure yours is too, but it's exciting. It's, it's so amazing to know what tomorrow brings, to know how powerful this is, this program, this community, the relationships, everything that we're doing here. Uh, at The Unshakeable Investor, everything that we're doing here with Direct Funding Resources, everything that my team's doing. This is remarkable. It's exciting. And, you know, I just, I, I, I can't thank my team enough because they make this all happen. They are the, the, the power horse behind it. I'm just the fancy body. I mean, I'm a good-looking guy. You all know that. And they're the engine that makes this stuff run. I'm just the guy that goes out there and says, let's make it happen. But here's what I want you to understand. For anybody on here said, well, I can do this deal, I've done this deal. I'll bet you this, you did this all by yourself or you tried to do it all by yourself. And if you try something brand new by yourself, there's a 97% chance you're going to fail. In fact, I was on a podcast earlier today and the guy said, when I started, when I started my first company in 1994, he said, what was the biggest fear I had? And every one of you have the same fear. The biggest fear I had was I didn't know what I didn't know. I, I, I, I, I didn't know what I didn't know. And oh my gosh, if I'd have had somebody there— there wasn't coaching. I didn't know. I was only 26 years old, 27 years old. I didn't know about coaching. I didn't know about mentorship. So I just did it. Same thing with real estate investing. The biggest thing that people face is the fear of not knowing what they don't know. You bring in a partner who's been there, done that. You bring in somebody that will guide, direct, and see 7 different ways to sidestep that landmine. You got a really good chance of success. You got a really good chance. And then you learn from that, because here's the deal: You're not going to be, uh, I mean, you could be a lifetime with us, but here, when you become a lifetime, now you become a, a regional manager. You become— you have your own group that you're now leading, guiding, directing, mentoring. You're now transforming lives. That's what the lifetime is all about. It's about becoming bigger and better tomorrow than you are today. Here's the other thing. It's on another call, and I told a lady, I said, you know We're going to get you where you need to be. But the first thing you have to do in order to have success in life— everything has to be bigger than you. What your goals are, what your aspirations are, what your reasons are have to be bigger than you, or you will fail every time. I tell myself, guys, if you're going to come work here at Direct Funding Resource and it's all about the commissions you want to make $100,000, $200,000, $300,000 a year, you will fail. You will fail every time. And I've seen them fail because it wasn't bigger than them. And when a deal fell out, or when a loan didn't close, or when the buyer walked, or the client walked, they blew up because it's all about the commission. It wasn't about educating, coaching, and mentoring the client so that they made the right decision, and helping them have the best product so that they become a client for life. That's the difference. When we create something that's bigger than us, the noise, the irritations, the disruption is just noise and just blows right past us because we got a vision, we got a tunnel, we got a place we want to be. We focus on it, and that's how you become successful. All right, it is 7:01. I lied, I said I'm gonna shut off in 3 minutes. It's been 4 minutes. I love y'all, enjoyed it. Have an amazing evening. Be safe, be strong. Talk to you soon.