Become a (Small) Multifamily Millionaire in 7 Steps

Small multifamily investing is what allowed Brandon Turner to reach financial freedom. This is why investing in duplexes, triplexes, quadplexes, and even 24-unit apartment buildings can be a fantastic learning experience and money maker for new landlords. But how do you get started if you’ve never bought a property before?
Brandon and his co-author of The Multifamily Millionaire, Brian Murray, walk through the seven steps to go from real estate onlooker to small multifamily master. We talk about everything from defining your criteria, financing, management, lead generation, and more. If you’re looking to build a portfolio of small multifamily properties that will allow you to break out of the rat race and do more of what you love (which may be large multifamily), make sure you not only listen to this whole episode but get Brandon and Brian’s new book!
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Join The Official BiggerPockets Facebook Group 👇
/ biggerpocketsofficial
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Grab the Multifamily Millionaire Volume I:
store.biggerpockets.com/produ...
~~~~
BiggerPockets Rental Property and Flip Calculators:
www.biggerpockets.com/investm...
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Buy Brian’s Book Crushing It in Apartments and Commercial Real Estate:
www.crushingit.info/
~~~~
Hop on a BiggerPockets Webinar:
www.biggerpockets.com/webinars
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Follow Brian on Instagram:
/ crushingitbrian or @crushingitbrian
~~~~
Follow Brandon and David on Instagram:
@beardybrandon or / beardybrandon
@davidgreene24 or / davidgreene24
Episode 496
Show notes at: www.biggerpockets.com/show496
0:00 Intro
1:56 Quick Tip
3:50 Brian's Unconventional Multifamily History
9:18 Large vs. Small Multifamily
16:33 Do You Need to Start Small?
17:59 7 Steps for Small Multifamily
18:10 Step #1: Commit To The Process
25:48 Step #2: Define Your Criteria
35:11 Step #3: Start Pulling in Leads
40:19 Step #4: Making an Offer & Negotiating
44:01 Step #5: Managing Small Multifamily
51:20 Step #6: Financing Your Properties
58:02 Set #7: Rinse and Repeat (Until You're a Billionaire)
1:05:01 Ready for Large Multifamily?
1:05:38 Sneak Peek: Chapter 1 of "The Multifamily Millionaire"

[@mr5timewcwchamp]

Getting a property manager was the best thing I could’ve done for myself. I’m too busy with work to deal with issues in a timely manner

[@bw496]

Any advice on how you went about choosing a good one and what you used for parameters?

[@bumbumfitness]

At what point did you get a property manager? or when should a person get a property manager? After just owning one property? or after you get your 2nd one? or when?

[@cavemanjoe7972]

@@bumbumfitness It depends entirely on your own knowledge, experience, how much time you have available to deal with tenants, and what your goals are.

[@bbbhaskar5083]

Thank you so much to all biggerpocket team for that kind of teaching in very easy way and communication with experts

[@theredbaron057]

I really appreciated the discussion on commitment. Lots of good perspective here.

[@RichardMPM]

That small audio from the book spelled out exactly what I experienced when starting out in real estate. That condescending tone of experienced RE agents approaching me as a newbie. I remember being pissed off at the guy for being condescending and afterwards I realized it affected me so much because it poked right at my insecurities and at that idea that I had of myself: i wasnt good enough, i was being foolish instead of ambitious, etc. A simple comment made all of that resurface and take over my thoughts. I can tell whoever wrote that clearly went through that moment and I believe every single one of you guys out there who are starting out will have a moment like this. Just know its absolutely normal. If you didnt second guess yourself once in a while it means you're a robot. Just push through and keep listening to positive and encouraging channels like BiggerPockets.

[@shaanabello6663]

You guys are the best! Thank you for such great information

[@-Silly-Willy-0]

Good show guys. This should answer just about any questions a rookie may have about making the first move into multiple family properties.

[@nicholaspritzl1238]

What a great show! Cant wait to read the book

[@Giftig--Daniel-P]

I love this. I bought the books. I wish I could also buy David Greene a new webcam cause going between Brandon's sharp image to the pasty watercolor webcam that Greene has... well it's not terrible but it sure ain't great. I'm _pretty sure_ he can afford a nicer one lol

[@cooperscreditconsultingint6792]

This was Great! Thank you!🙌🏿🙌🏿

[@readerleader6539]

Great content. Thank you so much for your video. G

[@drwilliampclark]

Thank you. Great episode and information.

[@christosantiago7079]

Yay! More videos to learn from! Gets me excited ✨

[@1717Realtors]

Great information. I need this book

[@DionTalkFinancialFreedom]

I’m always blown away by the knowledge you guys have. Thanks.

[@SuckaFreeCityOg]

Me too, cause it's so much bullshit.

[@Parpl22]

I have a 6 unit building as a result of 1031 Exchange (long story). I am thinking through my next move. I like multi-family option because I manage the property myself. I understand what these guys are saying wrt to property management because they are busy buying and selling property year round but I am not at this point. I have a regular 9-5 job and the rental is my side-hustle.

[@antoniostephano]

Does commitment require being bound either emotionally or intellectually, or does it require being bound by both? David's definition indicated that one or the other was rrquired but his elaboration indicated that both were required.

[@yournursingneighbor]

Ooooo.... Nice Cliff hanger at the end!

[@maloy2316]

Great podcast to pitch your book! How do you pitch to attract partnerships or investors?

[@YujinVasquez]

This podcast has so much tremendous value, thank you so much!!! I love the CCC, and the "getting on base" analogy. Just get in the game. Awesome.

[@Nola1176]

🙄

[@jessicahou5555]

Hope we have this channel for Canadians

[@averywoods9474]

The steps. Thank you!

[@rochellemarquez1907]

Love all the knowledge sharing! Thank you! As a beginner, any other ways to get financed besides partnerships and putting the 3% down?

[@tracylieu3211]

Follow

[@KidCity1985]

Thanks guys!

[@SP-dw9gi]

These guys are cool for giving this info out, I started out 10 years ago without it though and built this knowledge up for sfh, what these guys are saying is absolutely right tho.

[@angelmoreno1141]

Just got my first duplex under contract that we’re going to house hack! Going to focus on mastering the managing part of real estate investing and saving money for a second duplex in 2 years 😬

[@stevejoseph6971]

Hey that’s exactly what I was trying to do. How is it going so far?

[@stevejoseph6971]

How much was the duplex?

[@angelmoreno1141]

@@stevejoseph6971 going good! Duplex was 225k is now worth 270k and tennants have payed rent every month. Still saving money

[@smoorer9136]

I just ordered it all!

[@bumbumfitness]

If you're just starting out with property investment; then at what point should you hire a property manager? After 2 properties? 3 properties? or when?

[@The_Bronze_Spoon_Investor]

Great video guys 👌

[@johnneedle8119]

I wanted to do BNB stuff but listening to Brandon these last couple nights at work has really got me pumped and thinking about small multi family I will do BNB also but I'm really into this multi family. And would love to quit my job in a year does anyone think that would be possible? Doing this multi family.

[@roseannakyle1275]

Thank you for your great videos, I've learned so much all the time. How is the best way to get funded for house hacking?

[@veronicavelasco8456]

Hi, I just purchased more of your books. I've learned so much from your books and videos. I'm closing on a duplex my second property. Looking foward to closing more deals. Thank you

[@cpdv6882]

👏👏👏 I'm going to get on base soon 🙏

[@Nola1176]

Paid actor

[@DaddyDebt]

Wow great job!

[@michaelwilliams2199]

Great episode!

[@almateenyazid]

I always hear these guys, and guys like you talk and talk about real estate investing, financing, etc, but..... you never talk about 1)family health insurance how much, where to purchase from, pros and cons. 2) Estate planning. 3) All other " subsystems" that are needed in support of your "financial freedom" activities. That is very important and the reason why many do not take the "full plunge" to financial freedom and breaking those "golden handcuffs " of you W2 employment. Health Insurance. All of the aforementioned are just as important and are obstacles to navigate. You always hear from these guys... "all you need is X amount of dollars to retire" but... you need health insurance, dental insurance, and other expenses to ensure we can maintain and enjoy of financial gain and freedom. It is just as important to hear that insight of a "financially free" individual. That is a holistic approach and will relieve any apprehension and anxiety people my have. Sure. We all want freedom but... that is a key component. Any insight?

[@LifeFer48]

You can buy insurance on your own independent of a job.

[@DJgoon12]

Fantastic talking points

[@dimedavispresentstalkyospit]

That's why you hire an attorney

[@almateenyazid]

@@dimedavispresentstalkyospit you make no sense!

[@dimedavispresentstalkyospit]

@@almateenyazid 🤣🤣 hence is why you should hire an atty

[@ExplorerLink]

I can’t find the second part of this podcast. May I please get the link? Thank you

[@vaginagas]

Bought a split level last year for a good price. It’s my first buy. I plan to convert into a duplex and am almost complete with the upstairs. Been doing all the work myself. The plan is to repeat a few times.

[@kevinq9988]

Hopefully you are making sure that the zoning allows for a duplex. Congratulations.

[@Giftig--Daniel-P]

Yo, BP, the book reading at the end is for Vol. 2, not Vol. 1. FYI.

[@johncande1]

What kind of corp is best for an investment property business?

[@atakbill3288]

Thanks for contents guys, and Brandon I just realized you’re in Hawaii so am I. I just want to ask if you know any investor friendly title company in Hawaii and which title company can do double closing. Thanks

[@LMField1]

What is the name of the second podcast on large multi family? Searched and scrolled through but didn't see any with large multi family in the name?

[@supreme9187]

Deff will be getting these on audible 👍🏽

[@nickdunin1504]

Thats what I was about to ask… is it on audible?

[@shanemitchell4986]

Same question?

[@jeffdorris5321]

Nice work 🎆✨

[@Matheus545]

BiggerPockets brings so much value

[@legitprojectjdm625]

How did you find off market deals ?

[@kachilda]

I'm finding the triplexes and four plexus to be barely worth the monthly rent you collect from them I guess it depends on the area but in Arkansas that seems to be the case.

[@Chris-ue6zq]

Brian Murray reminds me of a real life Walter White. School teacher not living up to his full potential so takes control of his life and goes and builds an empire. Except real estate not meth.

[@mrhaveway4849]

🤣

[@trishapeters5773]

Hello...Who is the your best trader?

[@uniquelypositive]

You can finish Super Mario in 8 minutes? 😮 You need to do a podcast just on that!

[@bobjohnson1212]

Yall beat around the bush.

[@Animexican1080]

How can I get loan for a rehab because many lenders don’t want to finance fixer uppers

[@Timtimzi]

How does one even start out with commercial prop? Aren’t they super expensive just on the down payment alone?I guess it could be relative to location of you are out of state investing

[@gnahthe]

30:34 “I know I’m talking a lot here”. When do you not, Brandon “words just continue to fall out my mouth, I cant help it” Turner.

[@the1beetsy]

Those whistles though.. 🔥😂

[@rtmcfarland2122]

I have an existing LLC that is set up to purchase rental properties. I also have an 401k from a former employer that i would like to transfer over to a SDIRA and utilize the funds to provide capital to pay the entry fees for the rentals. I want to use the cash flow from the rentals to supplement my income; how can i structure the pay back to the SDIRA and have cash flow to boot?

[@lilianaperez8342]

Hey I wanted to buy a park home it would be my first buy . In tampa Fl how do think park homes do?

[@anniyangX]

Saw a 2 unit for 400k in a bad neighborhood in Massachusetts and it’s near a college. Is it worth to buy? Seeing so many people are going to Arizona and taxes last couple years and I feel $400k is so much for a crappy house and run down neighborhood

[@ThePropertyHatsTeamatRNYRNJ]

Thanks

[@ExplorerLink]

Are the MF books available as audio? I’m guessing so since the first chapter is.

[@thanhle3480]

Thanks Brandon and the BiggerPockets Team for a comprehensive and systematic Multi-family investing process. I have quick question: Lower down payment can lead to higher P&I monthly payment and lower NOI after debt services expenses which can lead to a lower monthly net cash flow. However, lower down payment can also result in a higher Cash on Cash Return. What is your thought on these pro and con sides of lower down payment?

[@ryanburnham9986]

You just stated the pros and cons to lower down payments lol

[@ahakim007]

@@ryanburnham9986 Right! Once you define what your ccc is, you'll know your answer.

[@dimedavispresentstalkyospit]

@@ryanburnham9986 lol 😆 I had to read it twice.... let's not overcomplicate the process lmao

[@oakjim206]

The goal is using as little of your own money as possible or doing a small down if possible. But ultimately it’s up to everyone’s comfort level

[@Gametimesolutions]

Great content! I’m looking to invest in my first multi family… I would love the book, I checked out the website but it wouldn’t allow me to make the purchase.

[@nico_gg_8863]

When you mentioned minimum price range, do you mean purchase price or the ARV after the value-add has been completed? Thanks!! Great content boys! Well done 👍

[@johnnyb33good21]

They're probably talking the minimum price range not including they're all in cost But maybe they'll reply

[@bogsomi2029]

Bro first video I ever watched from you was 4-5 years ago talking about a duplex. Quickly I realized it’s a waste of time and multifamily is the way to go. I don’t know how it took you 15 years to get into multifamily, I guess better late than never.

[@nancystiles2555]

I found a multi family property but I need other people's money to start

[@imel444]

Why is the “financing your property” step after the “Make an offer” step?

[@michaelswanigan2115]

what is the name of the book?

[@angelraewhitney946]

Any suggestions on how to bring a proposal to a lender or private lender for house hacking a duplex duplex and finding a 4 plex already rented if you have bad credit

[@Desmond877]

Focus on your credit first because it’ll have a huge impact on your life.

[@crackerjacktv5440]

Buying anything larger than a 2 unit property will almost always require a minimum of 15% down. So buying a 3 or 4 plex sounds good but can be very difficult to pull off, especially since the Rona came around

[@kingrose1215]

I'm under contract for a 3 family. Using FHA and putting 3.5% down. Anything up to a 4 unit you can use traditional financing and 3.5% down and they will count rental income as your income to prove ability to afford the property.

[@robertmearns4490]

@@kingrose1215 where are you buying?

[@mr5timewcwchamp]

@@robertmearns4490 could be the markets. my first place was in a market that had a fair amount of Multifamily in the area, so they were a bit easier to find. When I moved to my new area, you see maybe 1-2 come on the market every week or so, and they usually come off the market within 10-15 days

[@LifeFer48]

I'm a teacher and ready to start investing in multi family. I need a mentor, please help.

[@motwoc]

I'll summarise the podcast: "BUY OUR BOOK"

[@djgainsbond]

Haha I was thinking thr same thing. This is about the book today.

[@johnnyb33good21]

this shit works!! i took Brandons advice in 2016 and BRRRR'd and house hacked three 4plex's using VA & FHA loans. seller financed a 6-unit & 1acre land zoned for Multi-family. and just closed on another 4-Plex that i did a 50-50 partnership on. I have 22 units that Cash flow $8k per month, a Net-Worth over $1mil now. & over $500k in the bank now. just completed cash-out refinances this week. and I'm buying these 2 volumes of Books because I'm interested in learning more about larger multi-family. look at it as an investment in yourself.

[@johnnyb33good21]

Yes they're gonna make money off the books but imagine what you can do with the knowledge in the books. Same thing when it comes to lending for rental properties. The bank makes their 3% to 5% on the interest rate but think what you're gonna make on owning the property a 10% or 15% Cash on Cash return plus appreciation & tax benefits & then tenants are paying your debt down. don't be so scarcity minded

[@mickwalker9477]

you nailed it...save your ntime

[@user-kf3vu8ud7s]

@@johnnyb33good21 what info book or video did you start with in 2016

[@jackstraw5527]

I may still be too cautious to pull the trigger on an investment property, but as I was listening to this I decided for the first time I would pay someone else to work on my car that is having problems.

[@adanam6377]

??

[@MoustacheTex]

Where do you find a lender that does 3.5% down on a multiplex? I keep seeing people talk about househacking to put less down, but every credit union, bank and mortgage lender I've been too says it's a minimum 10% down on duplexes, 15% down on triplexes and 20% on fourplexes and up with no exceptions. They're also all saying that it will be a min 20% down if the multi-family is fully occupied at the time of closing. My credit score is 812, so it's not an issue of bad credit.

[@ddfelder2]

F. H. A. !!!!!

[@ddfelder2]

There are also conventional loans that do 3.5%

[@housefanman]

You put the wrong book at the end! lol. Can't believe no one else commented this

[@discoveryoutdoorskcfishing236]

It really breaks my heart that these podcasts are so long. I'm just too busy to listen to them but I know I need the information that's on them. I wish I could find a channel they had a direct 15 minute video each day covering a different topic so I could catch it between clients.

[@uniquelypositive]

Where there is a will, there is a way. Break it down and listen to it throughout your day/week

[@johnnyb33good21]

got to commit. this shit works!

[@discoveryoutdoorskcfishing236]

@@johnnyb33good21 I believe it but I don't have time for it. I run two companies and as it is finding time to eat or sleep can be difficult. I need someone who can get me messages in short spurts to help me grow and develop over time instead of trying to cram it all into an hour and a half.

[@cncannaday]

Listen while in the shower and getting dressed, while washing dishes and cooking, or while folding clothes.

[@drewc3523]

Not one person is this world is so busy that they can’t find 1 hour of free time during their day. Wake up 1 hour earlier or cut out 1 hour of any other activity that isn’t contributing to your other business.

[@MattRomPsalms]

I’m looking into starting this so if any of you guys that comes across this post that has some good KZbinrs, podcasts, book, and etc to look into or read, please share. Thank you.

[@youtubecarspottersguide1]

how does one qualify for the loan ?? say I'm looking at a 24 unit building @ $75k a door . do I personally have to qualify for the loan

[@adanam6377]

No, the building has to cash flow. Talk to your agent and mortage brokers, they will help you.

[@rajugurung8735]

Do you have a video on how analyze the Market you investing in, what tipe of investment you should do base on the market you analyze, how to make valuations for the expected value of the future market you invested, how to analyze the market trends, demographic, macro, etc. Thank you

[@lucasmatos960]

Correct me if I’m wrong but, is the book reading of volume 2? Large multi family.

[@cwr8618]

Anyone here using the VA loan as part of their strategy? We are almost complete with refinancing out of the VA loan on a SFR + ADU (both units rented). We're now trying to get into a multi in San Diego but the market is crazy difficult. Trying to figure out a reasonable strategy... curious to hear any thoughts

[@Pew_Meister]

Trying to get into a multi in central Ohio also quite the sellers market out here. Using va loan👍

[@cwr8618]

@@Pew_Meister first buy? We're holding onto our SFR/ADU but since it's now going to be considered an investment, we have to leave the 200k ish of equity sitting in the property. Cash flow is great on it but wish we could use those funds towards the next buy

[@Chuckletopia]

When you say take action, would you consider rebuilding credit to be action? I am trying to get debt free before I start. I tossed $1400 at debt this month and created a $1500 emergency fund. I am starting to work on budgeting my month out and really taking control. I am hoping to take a VA loan out in about a year and a half on a multi-family in about a year and a half. My goals are to get debt free, get about $30k in savings, then buy a duplex, triplex, or quadplex. Is there something I can do in the meantime? I want to start, but I also feel like I have actions to take before I get there, i.e. take care of debt and get my credit score higher and get a decent emergency fund.

[@AndresOrantes]

If you’re doing all those things because you want to buy a property, that’s definitely taking action. Getting your finances in order is a great first step. Its like a prerequisite to investing. As for what you could do in the meantime, what I did was work overtime to increase my income, pick up side hustles/gigs, you can keep educating yourself, learn your market, go to open houses, drive around your city to see what areas have the potential you’re looking for. Theres a lot you can do man, just don’t rush yourself

[@STILLPHENOM]

I have debts as well but im not in a rush yo pay that off. I m thinking of investing in RE right away n pay the debts off as my cashflow gets bigger. Lets hope they get bigger.

[@gnahthe]

At 16:28 Brandon said you could treat a 2 unit the same way you could a 200 unit, creating a syndication……Really?? What do you think??

[@jamesphilip4562]

Where’s the 2nd half???

[@samschwartz3175]

Any suggestions for a good mentor?

[@gnahthe]

Peter Harris - Commercial Property Advisors

[@SirenOffspring]

Ok, I'll just go scrape up 1/2 million dollars.

[@jamilynn322]

You're a really poor listener - if you can't even pay attention to the details in a podcast, you'd suck at actually trying to invest anyway.

[@johnnyb33good21]

OPM (other peoples money) just partnered on a 4-Plex deal in Arizona. their bringing the down-payment ($123k) and I'll be bringing the rehab funds & sweat equit ($50k). doesn't always have to be your money. Who could invest with you & how many people? If would have each person put in $100,000 that's only 5 people or what if 10 people put in $50,000

[@Wizdomman1]

1:19:00

[@bullyunithawaii808]

Hawaii is the king of monster houses lol

[@patricksears163]

Would love to buy a reasonably priced small multifamily property. Too bad they currently don't exist.

[@josiahhein6036]

They do exist. You're just not serious about finding one.

[@patricksears163]

@@josiahhein6036 lol would love to hear your process to find the 6%+ cap rate secret properties that none of the other 1000's of real estate investors can seem to find

[@josiahhein6036]

@@patricksears163, I have found multiple in the last few months driving for dollars in my area. Just found distressed looking properties, got on the county website and found the names of the property owners, searched them online and contacted them in person to see if they had thought about selling. Obviously good deals won't be found on the MLS and if they are there they are gone instantly. Gotta get out and work for it 🤷🏻‍♂️

[@ambercook6775]

If we buy a 5 apartment multiplex, and we live in it, does that affect the type of loan we can qualify for? Residential versus commercial loan is what I mean. Thanks in advance. I'm having a but of a hard time finding the answer online for a complex that has more than 4 units in it.

[@gnahthe]

Anything over 4 units is considered commercial property by banks. Thus the loan requirements are different.

[@almateenyazid]

Yep... typically, commercial loans at 5 and above; howeverr, you can get a commercial loan on 1 unit. Shop local banks. They are your best friend!

[@samb6030]

Not happy with this episode. Mostly a book advertisement. I'm watching at 2x speed and still barely worth my time. Expected more from a podcast with David who is usually no bs guy.

[@airjordanatthis]

Buy this book!!! Give them more money!!

[@mahanrazagh]

Im not sure if these guys have actually done these. I'm a multifamily investor and they are telling 30% of the story!

[@raiseup151z]

@@mahanrazagh what is the missing piece ?

[@dylanandrew8173]

15:59 he’s trying too hard to convince us a 20 unit apartment complex is small multi family lol

[@AberrantArt]

I'm a terrible person and I'm not committed. I fear losing what little I have, getting sued or getting into a bad deal and losing the little money I have. I also fear failure and I'm unable to believe in myself.

[@ddfelder2]

WOW you need therapy

[@greaterishe7197]

Fear:False Evidence Appearing Real

[@AberrantArt]

@@ddfelder2 therapy doesn't do much for the low self esteem and anxiety

[@AberrantArt]

@@greaterishe7197 People do get sued and legal trouble very often in real estate. Not sure how false it is.

[@greaterishe7197]

@@AberrantArt Of you never try how will you know what you could accomplish? I am about to bark upon my first purchase. Sure there's hesitation and caution but there's also the possibility that all will be well and I can enjoy a great investment. I have a family member that has 8 doors. Get a management company that knows the laws of you're that concerned. Best wishes ⭐

[@rogisotnas]

I was almost convicted until you said you could finish mario brothers in 8 minutes Of all the lies that was the worst lol

[@trishapeters5773]

If you dont find a means of multiplying money...You will wake up one day to realize that money you thought you had has finished....Investment is the key.

[@admin....947]

I agree with you ma..Investment is the key to sustaining your financial longetivity,And just not any investment,but investment with guaranteed return.

[@cynthiaamell9757]

Crypto to world🌎✔✔✔✔....Seriously I really thank God for crypto....My life changed after two weeks I knew about it....

[@jessicasusan2620]

@Joseph Williams Thank God for someone like Mrs karen

[@trishapeters5773]

@Joseph Williams Thank you dear....I already started investment with her too...

[@williep1626]

I appreciate them exploring real estate but none really ever state the reality of acquiring good debt. That they will owe roughly the equivalent of their net worth for life.

[@TheThennowforever]

This audio reading is rough & hard 2 follow. Stick with using a professional reader or go back & rerecord mistakes

[@LeoMoralesSr]

Wow, Brandon's mouth is trying to keep up with his mind.

[@supaclass760]

This is just a big promotion and a bunch of bragging

[@kealeakana5516]

What’s wrong with that it’s just creating content some people can take from it have a great day 👍🏾

[@goobtron]

Can Brandon be any more obnoxious?

[@SuckaFreeCityOg]

All this "it's about how you approach it" stuff is trash. Resedential loans vs commercial loans are COMPLETELY different.

[@SuckaFreeCityOg]

This podcast is 100% bullshit. This dude says small multifamily isn't about the number of units. IT ABSOLUTELY IS. THE LOAN STRUCTURE ON ANYTHING OVER 4 UNITS IS COMPLETELY DIFFERENT. SO WTF ARE WE TALKIN ABOUT HERE?

[@CarlosRamirezTrades]

Let’s connect