In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with Hung Mai from VIP Casa Rentals to break down why Airbnb/STR success isn’t luck—it’s systems, SOPs, and revenue management. Hung shares how he got proof-of-concept starting with arbitrage, scaled to 17–18 properties under management across multiple states, and why most hosts leave thousands on the table by ignoring Monday–Wednesday pricing.

You’ll learn how Hung builds a world-class guest experience using automation (smart locks + AI replies), a PMS like Hospitable, Ecobee thermostat automations, noise monitoring, and team delegation (starting with a VA for guest messaging). Plus: snack “surprise” wins, how to prevent savage reviews, and the exact mindset shift that helps people escape analysis paralysis and finally take action.

Chapters
00:00 Intro + why STRs get people stuck in analysis paralysis
01:40 Hung’s done-for-you Airbnb launch + management model
06:00 First STR deal: arbitrage + maxing personal credit to furnish
09:05 Proof of concept: $2,000–$2,500/mo net on first property
12:10 Biggest challenge early: believing in himself + pulling the trigger
18:00 The “apartment Airbnb” proof-of-concept story + why it got shut down
22:45 World-class guest experience: expectations, check-in, and 24/7 support
24:55 3 ways to get more 5-star reviews (seamless stay, surprises, ask)
28:50 Thermostat automation: Ecobee + 78° after checkout / 75° before check-in
31:05 PMS systems: Hospitable + why even 1 listing should automate messaging
35:30 First delegation: VA for guest communication + SOPs/persona training
41:55 Must-have ops tips: noise monitoring, trash automation + gift card incentive
47:55 Where hosts lose profit: pricing/revenue management (Mon–Wed)
51:40 Best business advice: fail forward faster (progress > perfection)
54:25 Where to find Hung + STR calculator offer

Connect with Hung
Instagram: @hungvmai

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DISCLAIMER
We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated

Buy a Home Without a Bank | Iva Norris on WeHome500, Wraps (Subject-To) & Creative Finance

Description
In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with Iva Norris, creator of WeHome500, a mission to help 500 families buy a home by “being the bank”—especially buyers who don’t qualify for traditional loans.

Iva breaks down how her team finds homes (mostly direct-to-seller), then sells them using wraps / subject-to / seller finance so families can move in with as little as 10% down and payments near rent market. She also shares her story of coming from Brazil, taking action after reading Rich Dad Poor Dad, and buying 28 properties in 3 years without using her own money—plus the real risks, documents, insurance details, and servicing pitfalls most investors miss.

Chapters
00:00 Intro + who is Iva Norris
00:24 What is WeHome500 + the mission to help 500 families
00:51 Who WeHome500 is for (buyers who can’t qualify) + 10% down
01:09 Where they operate (Texas now, expanding)
01:46 Where to find inventory: WeHome500.com
02:05 How Iva gets deals direct-to-seller + “find buyers first”
03:03 Finding buyers + why Facebook Marketplace got harder
07:35 How she started: Brazil → America → 28 properties in 3 years
13:57 Wraps explained (subject-to + selling to an end buyer)
23:04 Who should NOT do creative finance + misconceptions
29:50 Creative vs reckless + due-on-sale clause + disclosures
35:13 Insurance, escrow refunds, and protecting all parties
38:44 Servicing companies + how to protect seller credit
40:04 Why you ALWAYS close through title + legal docs
44:31 Best way to find motivated sellers today (digital marketing)
46:13 Biggest beginner mistake: no CRM + no follow-up
51:42 Where to find Iva + how to refer buyers/bird-dog

Connect with Iva / WeHome500
Website + available homes: wehome500.com
Interested in referring buyers / bird-dogging? Start at: wehome500.com

Sleep better, dream bigger!
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PLUG IN & SUBSCRIBE
Instagram: / @edgartheconnector
TikTok: / @edgarsrei

Join The Subto Community for Life & Learn Creative Finance from @PaceMorby
https://join.nre.ai/mQ9T9vZ

Learn How to Make Money on Other People’s Deals with the Gator Method
https://join.nre.ai/mQBDJK5

Get the tools I use for productivity
https://linktr.ee/EdgartheConnector

DISCLAIMER
We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated

In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with Army veteran and investor Rachel Davis to unpack why so many service members struggle after they separate—and how housing, community, and the right “entitlements” can change everything.

Rachel breaks down the VA disability conversation most vets avoid, why VA benefits aren’t “handouts,” and how to use your local Veteran Service Office to get help (every county has one). She also shares her co-living strategy near Fort Bragg (Fayetteville, NC) to support soldiers during separation/divorce, plus how she’s working with nonprofits and government grants to create more veteran housing—without the landlord headaches.

CHAPTERS
00:00 Veterans leaving the military + why it’s a hard transition
01:10 Meet Rachel Davis + her Army background
03:00 PsyOps = marketing (and how it applies to real estate)
05:35 “Benefits are entitlements” + VA disability mindset shift
08:45 What VA disability can unlock (property taxes, vehicles, college)
09:50 Why you should file even if you feel “fine” + spouse protection (DIC)
12:10 Skip 811—use your County Veteran Service Office
13:50 Working with nonprofits + government grants for veteran housing
18:15 Fayetteville co-living model near Fort Bragg + divorce/separation reality
20:50 TA-50 storage: the problem civilians don’t see (and the solution)
23:35 Rachel’s buy box + empowering sellers with creative finance
26:30 VA loan truth: low equity + what realtors should tell vets
33:15 Why nonprofits can be the best “tenant” (master lease incentives)
37:05 How Rachel finds nonprofits (LinkedIn Sales Navigator + outreach)

Connect with Rachel:
Podcast: REI Baddies

Sleep better, dream bigger!
Affiliate link: Eight Sleep
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🔌 PLUG IN & SUBSCRIBE 🔌
Instagram: / @edgartheconnector
TikTok: / @edgarsrei

► Join The Subto Community for Life & Learn Creative Finance from ⁨@PaceMorby⁩
https://join.nre.ai/mQ9T9vZ

► Learn How to Make Money on Other People’s Deals with the Gator Method
https://join.nre.ai/mQBDJK5

► Get the tools I use for productivity
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🚧🚧🚧 DISCLAIMER 🚧🚧🚧
We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated

In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with founder, investor, and Thrive Banking strategist Teresa Villaruz to break down how to “earn like a bank” using infinite banking, cash value life insurance, and private lending—without risking your own money.

Teresa shares how a stage of invasive breast cancer and $275,000+ in medical bills almost forced her family to sell their real estate…until one phone call from her life insurance agent unlocked living benefits and paid those bills without liquidating a single asset. That wake-up call led her to create the Thrive Movement, teaching entrepreneurs and investors how to use life insurance as their own funding source for deals, businesses, and emergencies.

You’ll hear how she now uses policies to fund mid-term rentals, start a boba café, and even turn her 12-year-old daughter into a private money lender earning double-digit returns—by borrowing against the policy and lending at higher rates. Teresa also lays out when this strategy is a bad idea, how to avoid overfunding (MECs), and the exact questions to ask before you ever sign a policy.

CHAPTERS
00:00 What banks really do with your deposits & Thrive Banking overview
02:00 Teresa’s breast cancer diagnosis & $275K in medical bills
04:50 Using life insurance living benefits instead of selling assets
07:00 Discovering infinite banking & launching the Thrive Movement
10:10 Cash value 101: how “be your own bank” actually works
13:20 Funding real estate, emergencies & a boba café with policies
17:00 How loans work: access, approval & flexible repayment options
20:40 Policies for kids & turning a 12-year-old into a private lender
24:20 Parents’ fear of life insurance & generational protection
28:10 Thrive Banking vs HELOCs and bank credit lines
32:00 When this is a bad idea (cars, vacations & lifestyle creep)
35:00 Questions to ask your agent & how to structure policies right
40:10 Pre-existing conditions, riders & why to get covered early
42:40 Using policies to become a private money lender
47:00 How much to fund, reverse-engineering goals & avoiding MECs
50:40 Annual vs monthly premiums, discipline & access to cash
52:50 Vetting deals and borrowers as a PML
56:40 First steps: mindset, learning how money works & focus
58:30 Where to find Teresa, her podcast & book “Your Money, Your Rules”

Connect with Teresa:
Instagram: @buildwealthwithtre
Website: teresavillaruz.com
Podcast & book: Your Money, Your Rules

Connect with Edgar:
Website: edgartheconnector.com
Instagram: @EdgarTheConnector

Follow Dream Start Own, rate this episode, and share it with someone who wants more control, liquidity, and leverage—so their money finally works as hard as they do.

Sleep better, dream bigger!
Affiliate link: Eight Sleep
https://refer.eight.sl/edgardsalgado

► Join The Subto Community for Life & Learn Creative Finance from ⁨@PaceMorby⁩
https://join.nre.ai/mQ9T9vZ

► Learn How to Make Money on Other People’s Deals with the Gator Method
https://join.nre.ai/mQBDJK5

► Get the tools I use for productivity
https://linktr.ee/EdgartheConnector

🚧🚧🚧 DISCLAIMER 🚧🚧🚧
We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated

In this special episode of the Dream Start Own podcast, Edgar “The Connector” Salgado answers the big question: “Is Subto worth it?” by letting actual Subto, Gator, and Owners Club members share their own stories—how the community helped them close their first creative deals, find accountability partners, and get into rooms they never thought they’d be in.

Instead of hype, you’ll hear real clips from past guests talking about subject-to, seller finance, Gator lending, and what’s changed in their lives since joining Pace Morby’s community—more doors, better partnerships, and bigger goals like 40,000 affordable beds, 1,000 sober living residents, and Mount Everest-level missions. Edgar also breaks down how to join Subto with a partner through an LLC to effectively cut the cost in half, and how to plug into the ecosystem the right way as a true go-giver.

CHAPTERS
00:00 Why I made this episode about Subto
01:15 What Subto really is (beyond a “mentorship”)
03:10 Members on go-giver culture, community and accountability
06:00 First creative finance deals, Gator wins & life changes
09:20 How investors use Subto to buy more doors in any market
12:40 Owners Club, Mount Everest goals & bigger impact missions
16:30 How to join Subto (including partner/LLC hack)
19:30 Is Subto worth it and who it’s really for

Connect with Edgar:
Website: edgartheconnector.com
Instagram: @EdgarTheConnector

Follow Dream Start Own, rate this episode, and share it with someone who’s on the fence about joining Subto, Gator, or any high-level community so they can hear directly from real members doing real deals.

Sleep better, dream bigger!
Affiliate link: Eight Sleep
https://refer.eight.sl/edgardsalgado

► Join The Subto Community for Life & Learn Creative Finance from ⁨@PaceMorby⁩
https://join.nre.ai/mQ9T9vZ

► Learn How to Make Money on Other People’s Deals with the Gator Method
https://join.nre.ai/mQBDJK5

► Get the tools I use for productivity
https://linktr.ee/EdgartheConnector

🚧🚧🚧 DISCLAIMER 🚧🚧🚧
We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated

In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with former top-producing agent and investor Tim Street to expose the truth sellers never hear about realtor fees, for sale by owner (FSBO), and what really determines the value of your home.

Tim breaks down why 90% of FSBO attempts fail and why the “successful” ones still make about 11% less than agent-listed homes—and then shows how to flip those stats on their head with a step-by-step blueprint, pre-inspections, pro photos, smart staging, and a bulletproof appraisal-gap package.

You’ll learn who should never sell by owner, who absolutely should, how to price so you attract multiple offers (not crickets), and how to engineer showings that create real FOMO and bidding wars—without ever lying, overhyping, or getting sued over bad paperwork.

CHAPTERS
00:00 The truth about who really decides your home’s value
03:34 Meet Tim Street & why agents hate this conversation
07:25 Why 90% of FSBOs fail (and the 11% pay cut)
13:40 Who should never sell by owner vs who should
18:20 Pricing strategy & why overpricing destroys momentum
25:05 Appraisal gaps & the “love letter” to your house
31:30 Pre-inspections, title companies & avoiding lawsuits
38:00 Photos, staging & hotel-style bathrooms that sell
45:00 How to run showings and engineer bidding wars
52:10 Evaluating offers: price, terms, contingencies & risk
59:10 Tim’s 7-day FSBO action plan
1:06:20 The quiz, bold guarantee & investor power pack
1:12:40 Biggest mindset shifts for smart home sellers

Connect with Tim:
Website & FSBO resources: foolprooffsbo.com
Investor Power Pack & 7-Day FSBO guide: foolprooffsbo.com/investors

Connect with Edgar:
Website: edgartheconnector.com
Instagram: @EdgarTheConnector

Follow Dream Start Own, rate this episode, and share it with a home seller, agent, or investor who wants to keep more equity, avoid rookie mistakes, and finally understand how to sell a house the smart way—with or without an agent.

Sleep better, dream bigger!
Affiliate link: Eight Sleep
https://refer.eight.sl/edgardsalgado

► Join The Subto Community for Life & Learn Creative Finance from ⁨@PaceMorby⁩
https://join.nre.ai/mQ9T9vZ

► Learn How to Make Money on Other People’s Deals with the Gator Method
https://join.nre.ai/mQBDJK5

► Get the tools I use for productivity
https://linktr.ee/EdgartheConnector

🚧🚧🚧 DISCLAIMER 🚧🚧🚧
We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated

Money Is Just a Tool | Badass Lender Jenn Billet on Credit, Creative Loans & Land Deals

In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with licensed lender and investor Jennifer “Badass Boss Jenn” Billet to talk money mindset, fixing credit fast, creative loans for self-employed borrowers, and why “money only has the power you give it.” Jenn shares how she became the go-to lender for people other banks said “no” to—and how she now helps investors structure smarter loans, use private money, and tap non-QM and DSCR products to scale their real estate portfolios.

She also breaks down her new passion project: Badass Creative Land Development—finding off-market land, getting entitlements, and partnering with builders to create obtainable housing, co-living projects, car washes, ADUs, and more across the West Coast. If you’ve ever been scared of your credit score, a loan application, or asking for private money, this episode will change how you see money forever.

CHAPTERS
00:00 Money mindset: “Money only has the power you give it”
02:00 Community, Subto and the power of go-givers
06:00 How “Badass Boss Jenn” was born and saving denied loans
10:45 Losing money, learning lessons and why money is fake like Willy Wonka
13:30 What makes Jenn different from typical lenders (licensed, underwriter-trained, investor)
19:40 Building a team, SOPs and using AI in lending
23:00 Biggest mistakes borrowers make and why you should “just try”
26:30 How rates really work and why you should shop lenders
30:40 Retail vs bank vs broker, non-QM & DSCR for self-employed borrowers
32:50 Appraisals, realistic ARVs and why some deals won’t finance
35:00 Co-living explained and why the U.S. desperately needs more of it
38:00 Launching Badass Creative Land Development and obtainable housing
44:00 How to bird-dog land, send leads and get paid
51:40 Who Jenn is hiring and the operators she needs on her team
54:20 Advice for aspiring loan officers and entrepreneurs

Connect with Jenn:
Website (loans, calendar & land buy box): BadassBossJenn.com
Email: [email protected]
Brand: Badass Creative Land Development (monthly Zooms & updates via her site/socials)

Connect with Edgar:
Website: edgartheconnector.com
Instagram: @EdgarTheConnector

Follow Dream Start Own, rate this episode, and share it with someone who needs a new money mindset, a badass lender in their corner, or a way to get started with creative loans, private money and land deals.

Sleep better, dream bigger!
Affiliate link: Eight Sleep
https://refer.eight.sl/edgardsalgado

► Join The Subto Community for Life & Learn Creative Finance from ⁨@PaceMorby⁩
https://join.nre.ai/mQ9T9vZ

► Learn How to Make Money on Other People’s Deals with the Gator Method
https://join.nre.ai/mQBDJK5

► Get the tools I use for productivity
https://linktr.ee/EdgartheConnector

🚧🚧🚧 DISCLAIMER 🚧🚧🚧
We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated

In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with veteran investor and closer Derby Perez to unpack how mindset, visualization, and the right rooms took him from hustling in real estate since 1985 to 300+ fix and flips, 1,800 home sales, 89 rentals, and big commercial deals—including a historic $11M hotel project.

Derby shares how he used goal-setting, journaling, and mentors like Tony Robbins, Robert Kiyosaki, Zig Ziglar, and Pace Morby to completely change his income ceiling, rebuild after losing it all, and design a life where he works from his laptop, travels, and now focuses on cash-flowing real estate, sober living, and VA housing with partners. He also breaks down why “who you hang around” is everything and how to upgrade your environment, not just your tactics.

CHAPTERS
00:00 Intro & who is Derby Perez
02:00 The $11M historic hotel deal that fell through (and why it was a blessing)
07:30 Using ChatGPT, SBA loans & federal grants to underwrite big projects
11:50 Derby’s real estate journey: 300+ flips, 1,800 homes sold & 89 units
18:00 From real estate burnout to high-ticket phone sales & laptop lifestyle in Brazil
24:00 Vision boards, journaling goals & how he manifested the Rolex, boat & Porsche
30:30 Bankruptcy, “debt free,” and the power of writing things down
33:30 Mindset, mentors & investing in yourself (Tony Robbins, Kiyosaki’s Cashflow Quadrant, Landmark)
39:30 Breaking generational patterns & choosing the right friends and rooms
44:30 Sober living, VA living & buying 30–100 single-family homes in the Midwest
49:30 Where Derby’s income comes from today & how to work and partner with him
52:30 Final advice on belief, manifestation & getting back up after setbacks

Connect with Derby:
Facebook: Derby Perez
Instagram: @derbyperez
Buy box & deals: DerbysBuyBox.com (check his socials for the latest link)

Connect with Edgar:
Website: edgartheconnector.com
Instagram: @EdgarTheConnector

Follow Dream Start Own, rate this episode, and share it with someone who needs a mindset reset, wants to break out of the W2 path, or is ready to use belief and better rooms to transform their real estate journey.

Sleep better, dream bigger!
Affiliate link: Eight Sleep
https://refer.eight.sl/edgardsalgado

► Join The Subto Community for Life & Learn Creative Finance from ⁨@PaceMorby⁩
https://join.nre.ai/mQ9T9vZ

► Learn How to Make Money on Other People’s Deals with the Gator Method
https://join.nre.ai/mQBDJK5

► Get the tools I use for productivity
https://linktr.ee/EdgartheConnector

🚧🚧🚧 DISCLAIMER 🚧🚧🚧
We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated

In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with Phoenix investor Kyle Karges to unpack how he went from a shy, head-down introvert to a highly connected leader in Subto and the Owners Club—scaling fix and flips, co-living, and multifamily across multiple markets.

Kyle shares how 18 years in real estate changed once he finally started networking, joining communities, and focusing on “who, not what.” Today he runs an acquisition company, a fix-and-flip business, and a fast-growing co-living portfolio in Phoenix and Atlanta, funding deals with creative finance and private money.

CHAPTERS
00:00 Intro and who is Kyle Cargus
03:15 From shy and quiet to real estate investor
09:40 Joining Subto, Owners Club and learning to network
17:20 Building an acquisitions machine and buying 5–6 houses a month
24:55 Co-living, Padsplit-style rentals and affordable housing
33:10 Funding deals with private money and creative finance
42:30 Advice for introverts and why “who not how” changes everything

Connect with Kyle:
Instagram: @kylecargus
Buy box & deals: carguscap.com/buybox
Weekly co-living Zoom (open to all): kyleandcarl.com

Connect with Edgar:
Website: edgartheconnector.com
Instagram: @EdgarTheConnector

Follow Dream Start Own, rate this episode, and share it with someone who’s introverted, stuck, or ready to scale faster through community, creative finance, and smarter partnerships.

Sleep better, dream bigger!
Affiliate link: Eight Sleep
https://refer.eight.sl/edgardsalgado

🔌 PLUG IN & SUBSCRIBE 🔌
Instagram: / @edgartheconnector
TikTok: / @edgarsrei

► Join The Subto Community for Life & Learn Creative Finance from ⁨@PaceMorby⁩
https://join.nre.ai/mQ9T9vZ

► Learn How to Make Money on Other People’s Deals with the Gator Method
https://join.nre.ai/mQBDJK5

► Get the tools I use for productivity
https://linktr.ee/EdgartheConnector

🚧🚧🚧 DISCLAIMER 🚧🚧🚧
We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated

In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with 23-year real estate veteran Philip Warrick to break down how creative finance, subject-to deals, lease options, and Airbnbs helped him leave the family sign business and become a full-time investor in Houston.

Philip shares how a late-night Carlton Sheets infomercial, growing up as a missionary kid in Brazil, and losing his dad at 20 pushed him into entrepreneurship early—and why getting into the right rooms, with the right mentors, changed everything. Today he runs a diverse portfolio of flips, rentals, Airbnbs, wraps, and lease options while coaching investors and partnering with private money lenders on deals.

CHAPTERS00:00 Intro & who is Philip Warrick01:10 Early interest in real estate & Carlton Sheets “no money down”02:40 Growing up in Brazil, missionary family & entrepreneurship04:40 Losing his dad, buying the family sign business & stepping up07:50 First creative deals and first subject-to in 200311:30 Real estate clubs, mentors and the power of the “right rooms”17:00 Coaching, creative finance and Monday “Power Call” Zooms19:40 Building a big team, 30+ Airbnbs and operations23:30 Fix & flip + Airbnb strategy and short-term vs long-term taxes29:00 MakeTheMoveNow: lease options, wraps and helping non-bankable buyers33:00 Private money, partnerships & how to work with Philip

Connect with Philip:Website (coaching, Zooms & deals): philipwarrick.comLease option & owner-finance homes: makethemovenow.comDirect booking site for Airbnbs: epicpropertypros.com

Connect with Edgar:Website: edgartheconnector.comInstagram: @EdgarTheConnector

Follow Dream Start Own, rate this episode, and share it with someone who wants to use creative finance, private money, and Airbnbs to get out of the rat race and into true ownership.

Sleep better, dream bigger!Affiliate link: Eight Sleep⁠https://refer.eight.sl/edgardsalgado⁠

► Join The Subto Community for Life & Learn Creative Finance from ⁨@PaceMorby⁩⁠https://join.nre.ai/mQ9T9vZ⁠

► Learn How to Make Money on Other People’s Deals with the Gator Method⁠https://join.nre.ai/mQBDJK5⁠

► Get the tools I use for productivity⁠https://linktr.ee/EdgartheConnector⁠

🚧🚧🚧 DISCLAIMER 🚧🚧🚧We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated