The Zero to 100 Real Estate Podcast

What if having more money actually makes you a worse real estate investor?

Some of the best real estate deals we've ever made happened when we had almost no cash. No big bank account. No massive reserves. Just creativity, relationships, and the determination to make a deal work.

In this episode of Zero to 100, we break down why having money can become a crutch for real estate investors, and why learning to find opportunities without relying on your own capital can be a serious advantage.

We discuss:

• Why our most profitable real estate deals started with little cash
• How to leverage partnerships, creative financing, and other people's capital
• Why successful investors sometimes lose the mindset that made them successful
• The difference between being an entrepreneur and managing money
• How to stay creative and find opportunities as your portfolio grows
• Why being resourceful can matter more than having resources

Whether you're working toward your first rental property or already building a substantial portfolio, this conversation challenges how you think about money, investing, and creating wealth.

The biggest opportunities don't always go to investors with the most money. Sometimes they go to the ones who know how to put a deal together.

Most people were taught the same money advice: get good grades, go to college, find a good job, work hard, and stay out of debt, but what if following that advice is exactly what's keeping you financially trapped?

In this episode of the Zero to 100 Podcast, we break down some of the worst financial advice we've been given and why the traditional path to success isn't working for so many people.

We discuss why a high-paying job doesn't guarantee financial freedom, the difference between good debt and bad debt, and how owning cash-flowing assets like real estate can change your relationship with money.

We also talk about the lessons from Rich Dad Poor Dad, why financial education matters more than ever, and how ordinary people can start building wealth outside their 9-to-5 jobs.

In this episode:

• Why working hard doesn't always lead to wealth
• Is college still worth the money in 2026?
• The difference between good debt and bad debt
• Why wealthy people focus on owning assets
• How real estate investing can create passive income
• Breaking free from the 9-to-5 rat race
• The financial education most people never receive

You don't have to quit your job tomorrow or become a full-time investor. But if you're tired of trading your time for money, it might be time to question the advice you've been following.

Subscribe to the Zero to 100 Podcast for conversations about real estate investing, building wealth, and creating financial freedom.

Mitch spent 13 years saving a large share of his income. Then one property investment made him more than twice those savings in 18 months.

In this episode of Zero to 100 Tribe, Mitch and Gabe discuss the shift from chasing a bigger paycheck to buying assets that could give them more control over their time.

They explore their early beliefs about money, why disciplined saving alone wasn’t delivering the freedom they wanted, and how resourcefulness and financing helped them build their real estate portfolios.

Their goal was being able to spend more time with their families, travel, and choose how to spend their days. Money and real estate became tools to make that possible.

Learn more about the Zero to 100 Tribe mastermind:

https://www.zeroto100tribe.com/

Follow the show for more conversations about buying, financing, and growing a real estate portfolio.

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