The Zero to 100 Real Estate Podcast

People have lent Gabe millions to invest in real estate. Those relationships started with something simple: letting people know what he does.

In this episode of Zero to 100 Tribe, Gabe and Mitch discuss how the people around them helped them find private lenders, solve property problems, and grow their rental portfolios.

Gabe shares lessons from speaking at a real estate mastermind, while Mitch explains what changed when he started treating relationships as a core part of his investing business.

We cover:

• How everyday conversations can lead to private lending opportunities

• Building relationships without treating everyone as a potential source of money

• Finding lenders, brokers, and property managers through people you know

• Why books and podcasts can only take you so far

• How meeting experienced investors can give you the confidence to buy bigger deals

• Having people to call when a property or deal gets difficult

If nobody knows you invest in real estate, they can’t connect you with the people who could help.

Learn more about the Zero to 100 Tribe mastermind:

https://www.zeroto100tribe.com/

Subscribe for honest conversations about commercial real estate, financing, and growing your portfolio.

Would you have an uncomfortable conversation to negotiate a better deal? What if $425,000 was on the table?

Gabe, Mitch, and Travis unpack why investors miss opportunities by treating asking prices and financing terms as fixed.

Mitch shares the negotiations behind a $425,000 asking-price reduction on a Michigan mobile home park still under contract at the time of recording. The opening came from understanding the seller’s deadline and being willing to ask questions other buyers weren’t asking.

If you keep looking at listings and thinking the numbers don’t work, this episode gives you more questions to ask before moving on.

Connect with Zero to 100 Tribe:

https://www.zeroto100tribe.com/

Follow the show for more conversations about buying, financing, and scaling commercial real estate.

Why sell a rental property that still makes money? Sometimes the property that helped you build wealth no longer makes sense to keep.

Gabriel Hamel once planned to never sell his rentals. Now he’s selling some long-held properties, freeing up equity and rethinking how much cash he needs to protect his portfolio.

In this episode, Gabe, Mitchell and Travis discuss when to sell, when to refinance, and when a difficult property deserves more time.

Gabe also shares what happened when an apartment investment went wrong: renovation funds were gone, tenants weren’t paying, and a loan deadline left him facing some tough decisions.

We cover:

• Why positive cash flow isn’t the only reason to keep a rental

• How to weigh your equity against the income a property produces

• Why owning millions in real estate doesn’t mean you have cash available

• How refinancing can free up money without selling

• What one costly partnership taught Gabe about protecting his investments

Subscribe for honest conversations about commercial real estate, cash flow and building a portfolio that gives you more freedom.

Can’t find a good real estate deal in 2026? Sellers still want top dollar, but borrowing costs make the numbers hard to justify. So why are we still buying?

This week, we break down a mobile home park deal we’re working on in Brighton, Michigan. We'll explain what made the seller willing to negotiate, why a lower asking price doesn’t automatically make a good investment, and how financing can change whether a deal works.

You’ll learn:

• How to spot when borrowing costs are working against you

• Why a seller’s deadline can matter more than their asking price

• How a property can have positive cash flow but negative leverage

• What they look for in a plan to improve income and expenses

• How interest-only periods and seller financing can help structure a deal

If you’re looking to move beyond small rentals and understand commercial real estate, this conversation shows how experienced investors work through the numbers before committing.

Subscribe for real conversations about buying, financing and growing a cash-flowing real estate portfolio.

"I just need capital to get started." It's the most common thing beginners say, and it's backwards. Capital chases people who know what a deal looks like.

In this episode: the deal literacy that makes money find you, and the live proof, an on-market mobile home park everyone else passed on, where reading the expense ratio, spotting the rent upside, and learning the seller was in a 1031 exchange with a hard deadline has knocked $300,000 off the price so far. Why deals are made, not found. Collect units, collect people, and why nobody at the table will ever ask how much you have in your pocket. Then the third pillar that decides whether a good deal stays good: operations, and the guy who doubled rents, did everything right, and still lost on the debt.

The deal, the capital, the partners: they're all already out there. The job is putting the puzzle together.

Not yet making $120K a year in cash flow or sitting on millions in equity? Come build it with us inside the Zero to 100 Elite community. Link - https://www.zeroto100tribe.com/joinelite

Silicon Valley coders who made half a million a year are lifting boxes in distribution centres, and workers everywhere are teaching AI to do their own jobs. In this episode:

– You don't own your job: they're renting you, and they can end it any time

– The wave moving through coding, HR, accounting, bookkeeping and legal

– Why land is the finite asset that survives every AI scenario, and where tech money goes when it cashes out

– The $80K mobile home AI could drive toward $20K, and the legislation already cutting build costs

– More people, longer lives, finite housing: the demand only grows

– The UBI net: how to catch redistributed dollars instead of living on them

This isn't an AI doom episode. It's the ownership answer to it.

Making less than $120K a year in cash flow real estate? Come build with us inside the Zero to 100 Elite community.

https://www.zeroto100tribe.com/joinelite

A firefighter with a 500 credit score bought a $25,000 house on hard money. A decade later, a seller offered to finance 90% of a $5 million building. He lost the deal, then won it back with one phone call. In this episode:

– The three questions from the firehouse bunk that started everything

– 500 credit score, $15K saved, and the $25K house that cash-flowed a week's paycheck

– The say-yes years: how one meetup and one follow-up built 100 rentals

– Why putting commercial real estate on a pedestal was his biggest mistake

– The full $5M deal: losing it, the phone call, the lawyer's office at 1pm

– The $6.8M refinance, and the seller who came back with $2.5M to invest with him

– The 10-years-of-cash-flow rule for knowing when to sell

The one thing he'd change: he'd go commercial sooner.

Making less than $120K a year in cash flow real estate? Come build with us inside the Zero to 100 Elite community. https://www.zeroto100tribe.com/joinelite

Our guest: Ian Horowitz of Equity Warehouse, host of the Real Estate Reserve podcast

She flipped million-dollar houses, opened the tax bill, and realized she'd done the entire flip for free. The government got paid. She didn't.

Flipping is a drug. Every closing hands you a massive check that wipes out the memory of the headaches, the lawsuits, and the fact that you just bought yourself another job. In this episode: why she left the stock market for tax reasons and walked straight into an asset class with the same problem, the four-house ceiling that had nothing to do with time and everything to do with money, and why she spent ten years in real estate without ever learning to raise a dollar.

Then the way out. The 22 businesses she and her husband put on a list, the three months of Saturdays spent debating them, and the gap she found in every multifamily team that made her the partner they needed. Plus the first raise, the building that burned down before closing, the bad partnership that taught her everything, and the 70 deals she underwrote to find one worth doing.

Speculation gets rewarded in a rising market. Operations get rewarded in every market.

Not yet making $120K a year in cash flow or sitting on millions in equity? Come build it with us inside the Zero to 100 Elite community - https://www.zeroto100tribe.com/joinelite

The stock market keeps hitting record highs. We keep buying real estate. In this episode:

– Why very few people are actually free off stock money, and why a portfolio is a vanity number you can't control

– The most leverageable asset on the planet: pennies on the dollar

– Equity builds the wealth, cash flow you can eat

– The real answer to "best asset class": five units or more, control the NOI, force the appreciation

– Wait-and-hope investing vs knowing your asset's value in two years

– Refinance, redeploy, repeat, and why you should pick one seam and scale in it

Wealth you can build. Cash flow you can eat.

Making less than $120K a year in cash flow real estate? Come build with us inside the Zero to 100 Elite community - https://www.zeroto100tribe.com/joinelite

Everyone's complaining there are no deals. Travis added 160 units in Q1, all off-market, none of them ever listed. In this episode:

– The park a broker spotted driving past every day, with the seller collecting cash rent door to door at $180 a pad in a $450 market

– The owner-finance structure: backing into the seller's income needs on a 15-year amortisation, in at $17K a pad

– Bought at $1.1M, worth $3M after the next rent raise

– Mitch's cold call to an 85-year-old exiting his portfolio

– The CPA referral deal and the 6.1% bank debt with two years interest-only

– Why every deal traces back to a relationship, and the transactional part is the easy part

If you're waiting for deals to hit the MLS, you'll wait forever.

Making less than $120K a year in cash flow real estate? Come build with us inside the Zero to 100 Elite community. https://www.zeroto100tribe.com/joinelite