The Moonlight Real Estate Side Hustles and Syndications Show

Balancing a Career and Real Estate: Zach Zimmer's Journey

🎙️ In this episode of the Moonlight Real Estate Syndication Show, we chat with Zach Zimmer, a corporate professional turned real estate investor who built a 66-unit single-family portfolio—all while working a full-time W-2 job. Zach's story is one of grit, resilience, and turning a million-dollar loss into lasting financial freedom.

The Hustle Behind the Success 💼
Zach leveraged his steady income to fund and scale his investments, proving that you can “keep the job” while building wealth.

Key Strategies:

• Lean Principles in Real Estate 🛠️: Streamlining operations by empowering his team of agents and contractors.
• Delegation 🤝: Building trust with a skilled team to manage over 70 properties.
• Resilience 💸: Turning setbacks into stepping stones for growth.

Zach’s Advice for Aspiring Investors:

1. Use your W-2 income to secure funding and credibility.
2. Build a trustworthy team and delegate effectively.
3. Always keep sourcing deals.
4. Track expenses, cash flow, and KPIs.

Books That Inspired Him:

• The 10X Rule by Grant Cardone 📖
• The Slight Edge by Jeff Olson 📘

Free Resource from Zach!
Text TPL to 33777 to access “Top 5 Strategies to Build 7-Figure Passive Income.”

Zach’s journey is proof that with strategy and effort, financial freedom is achievable—even with a full-time job.

🎧 Listen now and take your first step toward independence! 🌟
Visit realzachzimmer.com for more insights.

Click On This Link For Our Free E-Book "An Introduction Into Apartment Syndication: https://moonlightcre.com/ebook_download/
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In this episode, we explore the incredible journey of Zach Zimmer, who transitioned from climbing the corporate ladder 🏢 to building a life powered by passive income 💸.

Even with challenges—like losing over $1M—Zach shares how a mindset shift 🧠, smart real estate investments 🏠, and diversification strategies helped him achieve a fulfilling and abundant lifestyle.

🔑 What You'll Learn:
🎯 How Zach climbed the corporate ladder while building a thriving rental portfolio.
📈 Using the BRRRR method to fast-track financial freedom.
🚩 Spotting red flags in syndication deals to avoid costly mistakes.
🏖️ Why protecting your time is essential for balance and success.
🤝 How contribution and coaching became Zach's new mission.

🌟 Episode Highlights:
The Corporate Hamster Wheel to Passive Income 🛞➡️💼

Inspired by '80s Miami Vice 🕶️, Zach chased traditional success until real estate investing transformed his path.
His journey began with two modest homes in Akron, Ohio 🏠🏠.
The Power of Mindset & Obsessive Focus 🤔💪

Leveraging his OCD for productivity, Zach grew his career and real estate portfolio.
From Wins to Losses: Lessons Learned 📉🔍

Facing fraud and syndication missteps, Zach lost over $1M in bad deals.
He shares how vetting sponsors 👓 and tapping into investor groups 👥 is crucial.
The Passive Life: Giving Back 🌎💡

Post-2019, Zach redefined his life by launching a podcast 🎙️ and mentoring others in real estate.
Rebuilding & Thriving in Real Estate 🏗️📚

Despite losses, Zach continues to succeed with passive income streams 💵, private lending, and hospitality ventures.
💬 Memorable Quotes:
💭 "How many people have the opportunity to lose a million dollars and still be out golfing on a Tuesday?"
💭 "Keep your money moving. Home equity is dead equity."
💭 "Contribution matters. Who are you helping, and how are you giving back?"

Key Takeaways for Investors:
✅ Passive income is possible while maintaining a full-time career.
✅ Learn from mistakes by carefully vetting investments and sponsors.
✅ Protect your time—freedom is the ultimate wealth.

📚 Resources Mentioned:
Books: Rich Dad Poor Dad 📘
Investor Groups: Left Field Investors, Passive Investor Club, 506B.
Strategies: BRRRR Method 🛠️, Hard Money Lending 💳, and Syndications 🏙️.
🤝 Connect with Zach Zimmer:
🌐 Website: The Passive Life
📩 Email: [email protected]
📱 Follow him on Instagram and LinkedIn for insights and updates!

🎧 Don’t Miss This Episode!
Gain valuable lessons, inspirational stories, and actionable strategies to achieve financial freedom while safeguarding your most precious asset—time.

👉 Tune in now to join Zach on the journey to building your passive life!

#RealEstate #PassiveIncome #FinancialFreedom #Podcast 🎙|

Click On This Link For Our Free E-Book "An Introduction Into Apartment Syndication: https://moonlightcre.com/ebook_download/
Website: Moonlightcre.com
Click On The Link Below To Schedule A Call With Eric:https://calendly.com/moonlightequitiesgroup/scheduled-conversation
Click On The Link Below For More Information About Eric Lindsey:
https://linktr.ee/ericlindsey

🎙️✨ New Podcast Episode! Meet Bibi Ofiri: From Grit to Greatness in Real Estate 🏠💼💪

I had the privilege of sitting down with Bibi Ofiri, the inspiring COO of Blue Ocean Equity LLC! 🌊👩‍💼 Her story is one of pure resilience and determination—balancing multiple jobs 🏃‍♀️💻, pursuing a degree 📚🎓, and caring for her family 👨‍👩‍👧‍👦—all while breaking into the real estate world! If you’re navigating life’s challenges and wondering how to start investing in real estate, this episode is for YOU! 🚀💡

✨ Bibi’s Real Estate Journey
Originally from Nigeria 🇳🇬✈️, Bibi came to the U.S. with plans to return home. Life had other ideas, as family health challenges required her to adapt and stay. While working multiple jobs and earning a degree in cybersecurity, she discovered her true passion: real estate 🏘️❤️.

💼 Her big break came when she turned a skeptical boss into a real estate partner 🤝, opening doors to joint ventures, multiple flips, and even a vacation rental portfolio. 🚪💸

🎯 Key Deal Breakdown:
🏫➡️🏡 Student Housing Flip in Pennsylvania:
🕵️‍♀️ Research & Market Confidence: Extensive research revealed high demand for family rentals.
💼 Winning Over Investors: It wasn’t easy, but her persistence and local insights sealed the deal!
💸 Overcoming Setbacks: Two weeks before closing, her primary lender backed out. 😱 Through quick networking, she raised $2.8M within 24 hours! 🔥
🛠️ Execution: Successfully converted student housing into family rentals, creating a high-performing asset with minimal renovations.

🌙💡 Bibi’s Quick Tips for Real Estate Success:
🎓 Start with education: Learn the basics to make informed decisions.
🤝 Build partnerships: Partnering can help you scale, even with limited cash.
💪 Play to your strengths: Whether it’s networking, project management, or underwriting, find your edge and leverage it!

Click On This Link For Our Free E-Book "An Introduction Into Apartment Syndication: https://moonlightcre.com/ebook_download/
Website: Moonlightcre.com
Click On The Link Below To Schedule A Call With Eric:https://calendly.com/moonlightequitiesgroup/scheduled-conversation
Click On The Link Below For More Information About Eric Lindsey:
https://linktr.ee/ericlindsey

In this episode of the Moonlight Real Estate Syndication Show, we chat with Jarod Alexander, the founder of Optimal Equity Group, who built a successful real estate portfolio—all while working full-time in sales! 🕰️💼🏠 Jarod's journey is proof that you can create financial freedom, even with a full-time job. 💪✨

🌟 Key Highlights:
- Balancing a W-2 with Real Estate: Jarod transitioned from single-family rentals to multifamily syndications, making real estate investing work while juggling a career and family. 👨‍👩‍👧‍👦❤️
- Lessons Learned: He shares the ups and downs of his early investments and why multifamily syndications were a game-changer for him. 📈💰
- Passive Income Potential: Perfect for busy professionals! Multifamily syndications allow W-2 earners to build hands-off passive income, enjoy tax benefits, and create real wealth. 💸📅🔑
- Time Management Tips: Jarod’s secret? Weekly planning sessions, involving the family in his goals, and keeping everyone on the same page! 📝❤️

💡 Coaching Insights: If you want to get into real estate, Jarod says: Start Now! Network, educate yourself with The Hands-Off Investor and Rich Dad Poor Dad, and find experienced mentors. 🎓🤓

👉 Ready to learn more? Head over to optimalequitygroup.com for Jarod’s FREE eBook on multifamily investing and follow him on LinkedIn and Instagram! 🌐📲

This episode is loaded with actionable insights for anyone looking to balance a full-time job while getting started in real estate investing. Tune in and take your first step towards financial freedom! 🎧💥

💬 Listen Now & Let’s Chase Financial Security Together! 🌟✨

#RealEstateInvesting #PassiveIncome #MultifamilySyndication #W2Investor #FinancialFreedom #MoonlightPodcast #SideHustleSuccess #InvestingWhileWorking

Click On This Link For Our Free E-Book "An Introduction Into Apartment Syndication: https://moonlightcre.com/ebook_download/
Website: Moonlightcre.com
Click On The Link Below To Schedule A Call With Eric:https://calendly.com/moonlightequitiesgroup/scheduled-conversation
Click On The Link Below For More Information About Eric Lindsey:
https://linktr.ee/ericlindsey

In this episode, Eric chats with Andy Gurczak, founder and CEO of AllCity Adjusting. Andy's company helps property owners maximize their insurance claims, whether it's fire damage 🔥, water damage 💧, or hurricane issues 🌪️. With over a decade of experience, Andy's team specializes in large claims—ranging from $100K to $20M 💰—and serves clients across 35+ states 🗺️.

Unlike storm-chasing companies 🚫🌪️, AllCity Adjusting focuses on building trust and educating clients through their strong online presence 🌐. Andy emphasizes that property owners should involve a public adjuster right from the start 🕒. This ensures claims are filed correctly and that nothing is overlooked 🔍. AllCity Adjusting handles everything, from reviewing insurance policies 📜 to inspecting the property 🏚️ and coordinating with experts 👷‍♂️. They work on a contingency basis, which means you don't pay until they recover money for you 💸.

Andy also shared some important advice for real estate investors 🏢. He stressed the importance of choosing the right public adjuster and doing proper due diligence 🧐. By controlling the insurance funds, property owners can decide how to reinvest in their properties—whether it's for repairs 🛠️ or upgrades 🏗️. One key tip: don't overshare with the insurance company, as it could lead to claim denials 🚫. Andy's practical approach makes this episode invaluable for anyone considering hiring a public adjuster.

Main Takeaways

- Maximizing Insurance Claims: Andy's specialty is handling large claims involving fire 🔥, water 💧, or hurricane damage 🌪️. His goal is to help property owners get the most out of their insurance without any upfront costs 💰.

- Client-Focused Growth: AllCity Adjusting expanded by growing with their clients 📈. As their clients' property portfolios grew 🏢🏘️, they expanded their services, now covering more than 35 states 🗺️.

- Tips for Investors: Andy highlighted the importance of hiring a professional adjuster. He advised investors to do their homework 📝 when selecting a public adjuster and to be cautious about what they say during the claims process to avoid common pitfalls 🚧.

How It Works

Working with AllCity Adjusting is straightforward! When an incident occurs 📞, reach out to Andy's team immediately. They'll review your policy 📜, inspect the property 🏚️, and manage all the paperwork 🖊️ and negotiations with the insurance company 🏦. They'll keep you informed throughout, but they handle the tough parts, letting you focus on other aspects of your investments 💼.

💪 Andy’s insights into insurance claims can help you maximize your investments and take control of your financial future. Don't leave money on the table—learn from the pros and make the most of every opportunity! 🎯💸💥

Click On This Link For Our Free E-Book "An Introduction Into Apartment Syndication: https://moonlightcre.com/ebook_download/
Website: Moonlightcre.com
Click On The Link Below To Schedule A Call With Eric:https://calendly.com/moonlightequitiesgroup/scheduled-conversation
Click On The Link Below For More Information About Eric Lindsey:
https://linktr.ee/ericlindsey

From Spreadsheets to Rentals 💼➡️🏘️
Sharad Mehta began his career at Ernst & Young, one of the largest accounting firms globally. While he appreciated his job, he yearned for time and financial freedom. After reading The Millionaire Real Estate Investor, he decided to explore real estate opportunities within an hour’s drive from downtown Chicago.

In August 2010, he purchased his first rental property—a two-unit building—right after the 2008 housing crash. By September, he acquired a second property, and just a few months later, in March 2011, he took the leap to leave his job and focus on real estate full-time.

Balancing Work and Investment ⏰⚖️
During his time as an accountant, Sharad had to be creative with how he spent his time. He utilized lunch breaks, evenings, and weekends to search for properties, analyze deals, and make offers. His walkable commute allowed him to maximize every free moment.

Sharad and his wife, who is also an accountant, adopted a debt-free strategy inspired by Dave Ramsey. They lived on one income while saving the other, enabling them to buy their first properties in cash, which set a solid foundation for their investing journey.

Smart Investments 🧮📉
As an accountant, Sharad had a keen focus on numbers and profitability. His first property, purchased for $35,000, generated $1,200 a month in rent, resulting in an impressive 40% return. Realizing he was onto something, Sharad continued to build his portfolio, which now includes 61 units, most of which are paid off.

He didn’t stop at rentals; Sharad also began flipping 25-30 houses a year and managing his own property management company to streamline operations.

Launching REsimpli 🚀💻
After moving to Carlsbad, California, in 2015, Sharad recognized a gap in tools for managing real estate businesses remotely. This realization led to the creation of REsimpli, an all-in-one platform designed specifically for real estate investors.

With REsimpli, users can:

• Manage contacts and leads 📇
• Utilize a built-in dialer and texting tool ☎️📲
• Create websites 🖥️
• Send e-sign documents and upload property photos 📷
• Track finances with integrated bookkeeping—no QuickBooks needed! 💵📊

This platform streamlines operations, helping investors automate tasks and stay organized, which is crucial for scaling while maintaining a primary job.

Lessons for New Investors 🎓💡
Sharad’s journey provides valuable insights for anyone balancing a 9-to-5 with side hustles. Key takeaways include:

1. Use your time wisely: Every moment, even during lunch breaks or weekends, can be productive.
2. Start small: Get comfortable with the process before scaling up.
3. Understand your numbers: Knowledge of cash flow and returns is essential for success.
4. Stay educated: Continuous learning through reading, networking, and attending meetups is crucial.

Sharad’s Message to Aspiring Real Estate Investors 🌟
"If I could do it with a full-time job, anyone can," Sharad emphasizes. He encourages taking smart risks and being prepared for the worst-case scenario. Starting small and focusing on the numbers are key to building a sustainable business.

⭐ Enjoyed the episode? Leave a review and share the show

Click On This Link For Our Free E-Book "An Introduction Into Apartment Syndication: https://moonlightcre.com/ebook_download/
Website: Moonlightcre.com
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Click On The Link Below For More Information About Eric Lindsey:
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Ever wondered how to invest in real estate while juggling a full-time job? In this episode, Eric talks with Saurabh Shah, co-founder of InstaLend, who shares his journey of flipping properties while working on Wall Street. By using his salary to fund real estate deals and collaborating with licensed contractors, Saurabh built a successful portfolio without quitting his job. His experiences ultimately led to the launch of InstaLend, a hard money lending business that offers no-doc loans. If you're looking to break into real estate while maintaining a busy career, this episode is packed with practical tips to get started!

Key Insights from the Episode:

Flipping Homes While Working on Wall Street:

• Saurabh flipped properties with a partner while working in investment banking, using his W-2 income to invest and outsourcing tasks to contractors.

Flexible Financing Options Through InstaLend:

• InstaLend offers short-term loans for fix-and-flip projects and DSCR loans for rentals. Experienced investors can access significant financing options.

InstaLend’s No-Doc Loan Process:

• The lending process requires only property appraisals, making it quick and hassle-free for busy professionals.

Navigating Market Trends and Interest Rates:

• Current interest rates range from 11.5% to 12.5% for short-term loans. Saurabh anticipates a drop soon, creating new opportunities for investors.

Saurabh's Step-by-Step Process:

• Finding Properties: Focus on distressed homes with flip potential and use pre-approvals from InstaLend for competitive offers.
• Managing Renovations: Rely on licensed contractors to handle renovations while maintaining clear communication.
• Financing Through InstaLend: Enjoy quick appraisals and fast closing times.
• Exit Strategies: Choose to flip or refinance properties based on market conditions for maximum flexibility.

Coaching Segment: Real-Life Q&A:

• Managing Real Estate with a Full-Time Job: Delegate tasks to contractors to balance both roles effectively.
• Advice for Beginners: Start small, build experience, and aim for at least five deals to unlock better financing.
• No Financial Paperwork? InstaLend’s no-doc loans focus on appraisals rather than traditional financial documents.
• Funding Speed: The InstaLend process typically takes about 10 days, with same-day pre-approvals available.
• Interest Rate Outlook: High rates now, but a drop is expected soon.

Connect with InstaLend:

Explore financing options at InstaLend.com, where you can request pre-approvals, proof of funds, or start your loan application.

Why This Episode Matters:

Saurabh’s journey proves that you don’t need to quit your job to thrive in real estate. With smart delegation and strategic planning, it's possible to grow a portfolio without becoming overwhelmed. Whether you're flipping properties or building rentals, InstaLend simplifies funding and helps you build wealth.

If you’ve been waiting to start, now’s the time! This episode equips you with the tools and confidence to take your first step toward financial freedom.

Click On This Link For Our Free E-Book "An Introduction Into Apartment Syndication: https://moonlightcre.com/ebook_download/
Website: Moonlightcre.com
Click On The Link Below To Schedule A Call With Eric:https://calendly.com/moonlightequitiesgroup/scheduled-conversation
Click On The Link Below For More Information About Eric Lindsey:
https://linktr.ee/ericlindsey

🚀 Welcome to the Moonlight Real Estate Syndication Show! 🌙 In this exciting episode, we sit down with Grant Reaves, head of Stoic Equity Partners, who managed to grow his real estate portfolio to $87 million in assets and 900,000 square feet of commercial real estate while balancing a full-time career as a commercial real estate broker. If you’re working a full-time job and looking to invest in real estate, this episode will definitely resonate with you. 💼🏢

Meet Grant Reaves
Grant began his real estate journey in 2013 at a regional brokerage firm, specializing in the sale of limited-service hotels throughout the Southeast. He transitioned to Marcus & Millichap in 2017, where he gained invaluable experience in underwriting and private equity real estate. Despite his success in brokerage, Grant always aspired to be on the principal side of real estate, and in 2019, he began his own investing journey. 📚💼

Balancing Real Estate and a Full-Time Job
Grant’s story exemplifies how to handle real estate investing while working full-time. He balanced his job as a broker with his passion for real estate, finding time during evenings and weekends to pursue deals. His first big success came when he converted an office building into a self-storage facility during the COVID-19 pandemic, a project that marked his first major investment while still actively brokering deals. 🔑🏢

Adapting to Market Shifts with Flex Industrial
After succeeding in self-storage, Grant and his team recognized the opportunity in Flex Industrial real estate—a sector in high demand yet undersupplied. In September 2022, Stoic Equity Partners closed its first Flex Industrial deal in Little Rock, Arkansas. Since then, they have acquired 700,000 square feet of Flex properties across the Southeast. Grant’s ability to adapt to market trends has been a key factor in his continued success. 🏭📈

Key Takeaways:
Grant's journey is proof that you can build a successful real estate portfolio while managing a full-time career. His advice? Educate yourself, partner with others, and be patient. With the right time management and strategic planning, you can make real estate investing a reality, even alongside a busy job. 💪🏽🏠

Thanks for tuning in to the Moonlight Real Estate Syndication Show! 🌕 If you enjoyed the episode, please leave a 5-star review ⭐⭐⭐⭐⭐ and share this with anyone who could benefit from learning about real estate investing. Until next time, let’s pursue financial freedom, not just job security! 💼🚀

Click On This Link For Our Free E-Book "An Introduction Into Apartment Syndication: https://moonlightcre.com/ebook_download/
Website: Moonlightcre.com
Click On The Link Below To Schedule A Call With Eric:https://calendly.com/moonlightequitiesgroup/scheduled-conversation
Click On The Link Below For More Information About Eric Lindsey:
https://linktr.ee/ericlindsey

At just 20 years old, Zihao Wang has made significant strides in real estate. 🌟 With degrees in computer science and finance from MIT and experience at Morgan Stanley, he now manages half a billion dollars in assets. His family transitioned into property investing after the 2008 crisis, and by 2016, Zihao was already managing their properties and learning about acquisitions and capital markets. 🎯

Zihao successfully balanced full-time responsibilities while building his real estate portfolio. 🏦 He credits a strong team of 10 for managing day-to-day operations, which allows him to focus on high-level tasks like acquisitions and investor relationships. His approach demonstrates how teamwork can facilitate real estate investments alongside a full-time career. 📊

Zihao discusses a recent $20 million acquisition of a 90-unit property in Downey, California:

• Finding the Deal: The property had below-market rents, presenting a value-add opportunity. 🏡
• Underwriting and Financing: Zihao raised $7 million in equity and secured 65% of the deal through debt, adopting a conservative financing approach. 💰
• Value-Add Strategy: Plans include renovations to increase rents and reduce operational costs. 🛠️
• Exit Strategy: Aiming for a 3-5 year hold to boost net operating income (NOI) before selling or refinancing. 📈

Zihao highlights two key strategies for increasing rents in California's tenant-friendly environment:

• Rent Control: Targeting properties with low rents allows for gradual increases post-renovation. 🏘️
• Tenant Screening: Rigorous checks ensure reliable tenants, reducing payment and eviction issues. 📝

• Build a Strong Team: Delegation enables focus on growth. 🛠️
• Leverage Partnerships: Collaborating with fund managers can accelerate business scaling. 🤝
• Understand Your Market: Knowledge of local laws and conditions is crucial for success. 📊

• Know Your Deals: Understanding underwriting is essential. 📊
• Time Management: Adopt a "work hard, play hard" mentality. 💼⏰
• Start Small: Learn from professionals and build a knowledge base. 🛤️
• Invest Passively: Real estate provides inflation protection and strong returns. 💰🏢

Zihao recommends Rich Dad, Poor Dad by Robert Kiyosaki for valuable insights on building wealth. 📖

Zihao is active on LinkedIn and invites connections from fellow investors. Learn more about his work at Motiva Holdings. 🌐🤝

If you enjoyed this episode, please leave a ⭐⭐⭐⭐⭐ review, subscribe, and share it with anyone balancing a career and real estate. Let’s achieve financial freedom together! 💪

Click On This Link For Our Free E-Book "An Introduction Into Apartment Syndication: https://moonlightcre.com/ebook_download/
Website: Moonlightcre.com
Click On The Link Below To Schedule A Call With Eric:https://calendly.com/moonlightequitiesgroup/scheduled-conversation
Click On The Link Below For More Information About Eric Lindsey:
https://linktr.ee/ericlindsey 

In today’s episode, we chat with Kristopher Morin, who successfully balanced a demanding corporate career at Accenture with a side real estate flipping business. Despite a hectic schedule, he scaled his investments into multifamily apartments, sharing insights for busy professionals looking to enter real estate.

Key Highlights:

Real Estate Transaction

Kristopher discussed a 50-unit apartment complex deal in Southern Indiana. Sourced through a regional broker, it involved a 7.75% interest rate loan. Key steps included:

• Finding the Deal: Established trust through previous transactions.
• Financing: Secured a loan with anticipated cash flow stabilization.
• Execution: Focused on maintenance and income improvements.
• Exit Strategy: Aligned incentives between management and investors.

Key Advice

• For New Investors: Avoid chasing trends; understand the economics of deals.
• Balancing Life and Work: Delegate tasks and communicate with family about sacrifices.
• Limited Resources: Network with experienced investors and play to your strengths.
• Passive Investing: Multifamily real estate offers strong returns and diversification.

Kristopher’s Journey

He began flipping homes while working full-time, transitioning to multifamily investing for better financial independence. He recommends starting with multifamily properties for long-term wealth.

Management Tips

For smaller complexes, sharing staff across properties can control costs. Partnering with aligned property management companies is essential.

Raising Rents

When increasing rents, research local comps and remain competitive to retain tenants.

Final Takeaways

• Delegate tasks effectively.
• Communicate clearly with family.
• Start with multifamily for scalable income.
• Target value-add opportunities.

Recommended Reading

Kristopher suggests "Who Not How" for scaling businesses through delegation.

Connect with Kristopher

Reach out to Kristopher on social media or visit Three Peaks Capital at threepeakscap.com for more resources.

Thanks for tuning in! If you're a busy professional interested in real estate, check out the lessons from this episode!

Click On This Link For Our Free E-Book "An Introduction Into Apartment Syndication: https://moonlightcre.com/ebook_download/
Website: Moonlightcre.com
Click On The Link Below To Schedule A Call With Eric:https://calendly.com/moonlightequitiesgroup/scheduled-conversation
Click On The Link Below For More Information About Eric Lindsey:
https://linktr.ee/ericlindsey