In this episode we discussed Jay's background and experience in the real estate business, with a focus on his strategies for acquiring and managing loans, and his approach to assessing loan applicants. We also shared our experiences during the Covid-19 pandemic's impact on our loan portfolios, our portfolio strategy, and the importance of risk management and transparency in business operations. Additionally, we discussed unique situations where they helped family members and other individuals, and the potential for fraud and the responsibility to prevent it.

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