We've got another heavy hitter today. Whit McCarty is Senior VP at Civic Financial Services. Civic is a private/hard money operation specializing in financing for real estate investors. Both Dan and Troy have used Civic for loans on flips or rentals. Whit has tremendous experience in the private equity world and is happy to share his knowledge. He has also recently relocated from California to the Charleston area and is doing a lot of investing here himself. He has a pretty significant portfolio in the Charleston area ranging from STRs to single family homes to multifamily assets. We're sure you're going to really enjoy this episode. You can find Whit at https://www.civicfs.com