Which Will Make You MORE Money? (Rookie Reply)

Ashley:
Is that this the suitable time to purchase a rental property or do you have to be investing extra within the inventory market utilizing your retirement accounts? Right now we are going to break down a technique the place you may truly do each. I’m Ashley Kehr and welcome to the Actual Property Rookie podcast. Tony simply had his fantastic little child woman. So at the moment now we have a particular visitor from the BiggerPockets Cash podcast, Mindy Jensen. Mindy, welcome to the present. Thanks a lot for becoming a member of us at the moment,

Mindy:
Ashley, I’m so excited to speak to you. That is going to be enjoyable.

Ashley:
Sure. So now we have our first query at the moment, and that is from Ricky Martinez within the Actual Property Rookie Fb group. So his query is, guys, I want a topnotch credit score restore knowledgeable. I’ve already paid off most of my debt and have been present with my funds and bank cards, however my credit score rating simply received’t budge. I adopted a lot of the conventional recommendation akin to maintaining card balances at 10%, however I nonetheless can’t get previous six 90. I want a good skilled who may help me flip issues round. Thanks. So Mindy, are you that respected skilled that may assist at the moment with some ideas, methods and recommendation for this particular person? So the place would you begin in case you’re on this scenario of making an attempt to restore your credit score?

Mindy:
First I wish to share with Ricky, it takes time to restore your credit score. Your credit score scoring corporations are pulling from at the very least the final 12 months of knowledge. So when you’ve got 12 months of not so nice credit score, not paying your payments on time, operating up your bank cards all the best way to the highest, after which you could have one month of, Hey, I’m turning myself round, that’s not going to vary your credit score rating. So simply know that this can be a time taking course of and there are a ton of credit score restore corporations on the market, however there’s numerous fraud. So an organization known as Credit score saint.com is one which I’ve heard is among the many most respected credit score restore companies. However once more, in case you get even an inkling of, Ooh, I don’t know if that is proper run, you undoubtedly wish to just be sure you are working with a good firm.
You actually wish to be tremendous cautious about who you’re utilizing. And like I stated, credit score restore goes to take time, however your credit score rating is made up of 5 components. First and most essential is the cost historical past. 35% of your total rating relies on how steadily you’re paying your payments on time. So in case you’re all the time paying them late, you’re by no means going to have a terrific credit score rating. You’ll be able to fight this by both having it routinely withdraw out of your account or placing a discover in your calendar so that you simply’re at the very least making the cost on time each single month. That’s massively essential. And even one late cost is a big ding to your rating. The second issue is the quantity that you simply owed, and he stated that he was maintaining it beneath 10%. That is 30% of your credit score rating is simply how a lot of your credit score you’re using at anyone time.
So let’s say you could have a thousand {dollars} stability or a thousand {dollars} credit score restrict and also you’ve acquired a $900 stability, that’s a 90% utilization. You wish to just be sure you’re not utilizing very a lot of your accessible credit score. I do know it’s counterintuitive. Properly, they gave me a thousand {dollars}. Why can’t I take advantage of a thousand {dollars}? It’s a must to play the sport by their guidelines. Size of credit score historical past is 15% of your rating. So in case you acquired that first bank card that JC Penney or Sears bank card 100 years in the past, if that’s nonetheless open, hold it open each now and again, throw a cost on there, pay it off straight away, however hold that card open as a result of let’s say you bought that card while you had been 18 and now you’re 25 and also you haven’t opened up another playing cards. You shut that card, you’re ranging from scratch.
So that you wish to just be sure you hold your oldest card open each now and again, throw a cost on there simply to be sure that they don’t cancel it on you. New credit score is 10% and credit score combine is 10%. By no means, ever, ever make a late cost is what I’m going to say. And since that is rookie reply, you’re most likely asking about this in an effort to qualify for a mortgage. Your mortgage lender is a associate is your credit score journey. So attain out to them and ask them if they’ve any ideas and methods for you. What do they wish to see? What are you able to do to work with them to have the ability to qualify for a mortgage even in case you don’t get all the best way as much as 700.

Ashley:
Mindy, are there another advantages you could have in good credit score in addition to simply getting accepted? Do you could have a greater likelihood of getting a greater rate of interest or something like that that we might wish to enhance our credit score even when we’re already improved at an honest fee?

Mindy:
And credit score scores go from I feel 350 to 850. So it looks like six 90, oh, that’s like extra in the direction of the 800 than the 300. Your good credit score scores don’t begin till 700. So he’s proper there. But in addition 700 to seven 40 is the candy spot. Something over seven 40 is simply bonus. Something beneath 700 shouldn’t be as nice as 700. So yeah, you get higher charges, you get higher quicker accepted, and you may nonetheless qualify for a mortgage with as little as a 5 80 credit score rating, however solely with the FHA program, you’re going to pay increased rates of interest and it’s simply going to take longer to get accepted. They’re going to undergo every part with a advantageous tooth comb, they are going to anyway. However when you could have a better credit score rating, your credit score rating is you saying, I’m going to pay my payments on time, and also you maintaining your phrase. So the lender needs to know that you simply’re going to make your mortgage funds. They don’t wish to repo your home, they need your mortgage funds as an alternative. In order quickly as you rise up to 700, you can begin purchasing for charges once more or you should have a greater alternative to buy charges. However even proper now, I might begin together with your lender as within the dialog so you may see the place they’re coming from.

Ashley:
I actually like that concept of together with your lender and I feel signing up for some sort of credit score rating tracker like Credit score Karma is one the place you may truly see what’s occurring to it, what are the adjustments, what’s influencing it I feel could be useful. However rookies, that is one thing to actually take into consideration. In case you are not prepared to purchase that property but, possibly you’re nonetheless saving as an alternative of simply desirous about, oh, I want to save lots of 20 grand. Additionally desirous about the place are you able to get your credit score by the point you’re prepared to really buy the property to.

Mindy:
And the federal authorities ensures which you could get one copy of your credit score report at no cost yearly from every of the three credit score reporting bureaus. So one from Equifax, one from Experian, and one from TransUnion. I’ve heard individuals get all three directly simply to allow them to see that all the studies are the identical. I’ve additionally heard individuals getting them one each 4 months. So that you get Equifax one month after which 4 months later you get Experian after which 4 months later you get TransUnion. So you could have the power to maintain monitor of what most lenders are seeing in your rating. And annual credit score report.com is the place you go for that free credit score report from the federal government. It’s a federal legislation that you’ve got to have the ability to entry that when per yr from every a kind of three reporting corporations

Ashley:
And rookies. Please watch out the place you’re getting into your data, like your social safety quantity that you’re on the reputable web site. So earlier than we soar into our second query, I wished to inform you that in case you’re desperate to get began in actual property that now we have a wise first step is to associate with an investor pleasant monetary planner who may help you get to your home so as and make sure you’re arrange for monetary success from the get go. You could find out extra at biggerpockets.com/tax execs. We’re going to take a brief break and we’ll be again after this.
Okay, welcome again with Mindy. And now we have our second query, and this query truly comes from the BiggerPockets cash group on Fb. So in case you’re curious about all issues monetary, it makes you go and comply with and be a part of the BiggerPockets Cash group on Fb. So this particular person asks, ought to I buy a home hack or proceed to spend money on shares? I’m a single 25-year-old and dwell with my dad and mom. I contribute slightly in the direction of the family, however general my bills are low. I’d like your recommendation on whether or not I can purchase a single household dwelling with the intent of renting out two rooms whereas I dwell there. Two, I ought to keep dwelling for one more yr after which think about buying a home hack. Three, I ought to double down on aggressively investing within the inventory marketplace for the foreseeable future. So listed here are a few of my numbers beneath. My wage is 116,000 and it does enhance over yr over yr. My brokerage account has 105,000, my retirement has 77,000. My HYSA has 50,000 and my automobile mortgage is 9,000. My automobile is value about 30,000 if I had been to promote it at the moment, my scholar loans are 25,000. Okay, so Mindy, now we have an image of this particular person the place they’re at financially and so they’re contemplating these three choices. So the place would you begin in case you had been on this place and had to decide on, what sources or instruments would you have a look at first as to how one can make this determination?

Mindy:
Firstly, I wish to be sure that this particular person truly needs to personal a home and needs to personal a home that they’re residing with different individuals in at 25 years previous. I imply, they dwell at dwelling with their dad and mom. They’re used to not having their very own area, however I see lots of people, oh, the American dream is to purchase a home, subsequently that’s the following field I must examine. You don’t should examine that field in case you don’t wish to. I do know lots of people who’re renters and renters for all times and that’s advantageous. I’m going beneath the idea that you simply do in truth wish to personal actual property. You wish to do a home hack, you wish to begin down this journey, which is nice. I would really like a bit extra data, however based mostly on what we’ve acquired right here, $116,000 at age 25, let me inform you, my wage at age 25 was quite a bit nearer to my age than 116,000.
In order that’s superior. And also you’re residing at dwelling. That’s even higher. I hope you’re saving aggressively. And with these numbers, it looks like you’re at your age. I might wish to see your retirement accounts in a Roth versus a conventional. The Roth means you’re paying taxes now, nevertheless it’s going into the account with all taxes paid. It grows tax free, and when it’s time to withdraw the cash, you may withdraw it tax free. So the youthful you’re, the longer your timeframe is for it to develop all of that cash Rising tax-free is a more sensible choice for my part. If your organization doesn’t provide a Roth, you could possibly all the time go into the HR division and ask them if they might think about providing a Roth 401k possibility sooner or later. I like your allocation. I like that you simply’ve acquired cash in a brokerage account after tax brokerage.
I like that you simply’ve acquired cash within the retirement account and within the excessive yield financial savings account. I feel that you will, in case you proceed down this path, keep away from what Scott and I name the center class entice. And that is what we are saying is you’ve finished every part proper. You’ve contributed to your 401k pre-tax. You’ve got purchased a home and put, you’ve acquired all of your fairness in there and you end up sort of trapped since you’re a millionaire on paper otherwise you’re wealthy on paper, however your entire cash is in accounts which you could’t entry with out penalties. So I feel by persevering with, that is superior with the $9,000 automobile loaned, however on a $30,000 automobile, if it’s your ardour, this automobile is just like the automobile that you simply love and also you’ve all the time dreamed about proudly owning, I don’t see a motive to promote it. But when it’s not your ardour, in case you would somewhat promote this and get a less expensive possibility, you’ll be pocketing $10,000.
I feel that’s a terrific concept. Simply ensure you’re shopping for a great $10,000 automobile and never a wants repairs on a regular basis. $10,000 automobile, except your scholar mortgage curiosity is tremendous low, I might wish to get that knocked out of the best way. Scott and I wish to say if it’s 7% rate of interest or increased, you pay that off. If it’s 5% or decrease, you don’t make any further funds and within the center it’s sort of a your name. If it offers you numerous nervousness to have the mortgage, then pay it off, nevertheless it’s $25,000 and also you make $116,000, it looks like you need to be capable to knock that out fairly shortly. Okay, now that I acquired the cash housekeeping out of the best way, I wish to discuss your precise questions. Ought to I spend money on actual property or shares? Charges will not be coming down anytime quickly. Yesterday, inflation numbers got here in tremendous scorching. The fed stated we aren’t reducing charges anytime quickly. So if you’re looking to buy a home, know that that is going to be your cost for the foreseeable future. I heard lots of people say, proper when charges began going up, I’m going to purchase anyway. And when charges come down, then I’ll refinance. Ashley, have you ever heard anyone say that?

Ashley:
Sure, I’ve. And what try to be doing is saying, okay, the deal works at this quantity and it’ll be a bonus if I get to refinance in a while. Not that you simply’re banking on refinancing later for the deal to work.

Mindy:
Sure. So this stated, with inflation coming in scorching, the roles numbers are coming in scorching, every part is coming in scorching, and the Fed is saying, we’re not decreasing charges. They could elevate them, which is able to make your mortgage dearer subsequent yr. So I might actually begin searching for a property, actually perceive what it’s you’re searching for. You need a three bed room home? Don’t have a look at two bed room homes, otherwise you need a 4 bed room home. Don’t have a look at three bed room homes. The extra loos, the higher. In the event you’re co-living, the extra loos the higher. Have all of the loos, however get an concept of what it’s you need. Discover a terrific actual property agent. biggerpockets.com/brokers is a good place to seek out an investor pleasant agent who understands what you’re speaking about and what you’re searching for. Discover an agent, inform them that is what I would like, and have them arrange that search in an effort to regulate it since you’re not determined to get out of your dad and mom’ home.
You’ll be able to regulate what’s developing whereas additionally persevering with to save lots of, persevering with to take a position and persevering with to repay your automobile and your scholar loans. I’ve a favourite saying about actual property, and it goes like this. If you purchase a home, one thing’s going to interrupt. I assure you one thing’s going to interrupt. However the price of that restore is inversely proportionate to how a lot cash you could have within the financial institution to cowl that value. So I’m, I can cowl the price of any restore in the home that I purchase. My gentle change breaks. I knew any person who purchased a home, they didn’t, and so they spent each penny that they had on the down cost and all the closing prices after which their furnace went out. That’s a 5 to $8,000 restore when it occurred. It was a number of years in the past. You must have a great emergency fund.
How a lot does a roof value in your space? In my space, they’re like $25,000. A furnace is about $12,000. Now, H-V-A-C-A brand new fridge is, you could possibly most likely get one for like 800 bucks, however 1200 to $2,000 have that sort of cash in your checking account. Is your HVAC and your roof going to exit on the identical time? In all probability not. However now you’re coated and also you don’t have these repairs hanging over your head. So with all of that stated, I feel now is a good time to place feelers out whereas persevering with to economize. I wouldn’t put any cash into the inventory market that you simply want on your down cost. The inventory market is at an all time excessive valuation. It continues to be at an all time excessive valuation. Since 2014, now we have been predicting, we individuals have been predicting that it’s going to crash and it actually hasn’t aside from covid. However that doesn’t imply that it’s not going to crash tomorrow or subsequent week. So I might say in case you want the funds inside the subsequent 4 or 5 years, don’t put ’em within the inventory market. Put ’em in a excessive yield financial savings account as a result of it’s your job to guard the worth of the cash at the moment.

Ashley:
So as to add on to your sort of gauging, particularly for a rookie traders, it’s arduous to know the price of repairs and the way a lot you need to have in reserves. And three to 6 months of bills is often a rule of thumb. However one factor that you are able to do is while you even have the inspection finished on the property you’re buying is ask the inspector to say, okay, what do you suppose the lifeline of every of the mechanics on this property are? Or the roof even undergo and inform me what do you suppose goes to have to be changed inside the subsequent yr, the following three years, the following 5 years, the following 10 years? And often they’ll have a reasonably good concept of, okay, this furnace, it’s most likely acquired 5 years left. And you’ll sort of gauge of like, okay, that is the amount of cash I’m going to wish inside the subsequent 10 years.
And in the event that they’re appropriate, issues may undoubtedly fail earlier than then. So getting an understanding of the age of the mechanics and the property and a number of the supplies just like the roof and issues like that too, could be useful and serving to you gauge. One factor that I did take into consideration although, speaking about their brokerage account is what do you suppose in the event that they continued to spend money on the inventory market, put cash into their brokerage account after which took a line of credit score utilizing their brokerage account as collateral after which use that cash to really go and fund their actual property and to make use of as their down cost,

Mindy:
That could be a nice possibility. In reality, my husband and I did that after we purchased our home two years in the past. I’ll warning that you want to regulate that margin as a result of what occurred, we had this a lot margin and we purchased our home, so then we had this a lot margin and we slowly watched the margin go, go, go, go, go, go. It truly went detrimental. And if we hadn’t, we took out a HELOC on our major residence and threw some cash at that margin so it wouldn’t go detrimental as a result of when it goes detrimental, the corporate that’s supplying you with this line of credit score begins promoting your shares and also you don’t get any say in what they’re promoting. So it’s a terrific possibility. I truly discovered that from Tony the primary time I interviewed him on the BiggerPockets Cash podcast. I used to be like, wait, what?

Ashley:
I’ve

Mindy:
By no means heard of this in my life.

Ashley:
And often you’re getting a extremely good rate of interest as a result of it’s so liquid. Such as you stated, they only go in and so they’ll take it and promote it and so they get their money. So often you’re getting a greater rate of interest than you’ll in case you’re utilizing actual property as collateral too. However there are some limits you need to have at the very least. I feel it’s like 100 thousand {dollars} in your brokerage account, which this particular person does. They’ve 105. However such as you stated, that margin, you need to keep a sure stability in your brokerage account relying on how a lot cash you’re taking. And the inventory market does fluctuate too. So undoubtedly one thing you need to be cautious of if utilizing this technique.

Mindy:
I like with the ability to pull from a bunch of various buckets. They can borrow from their 401k. That’s an alternative choice. Discuss to your HR division and ask if there’s any 401k loans accessible. You’ll be able to borrow as much as 50% or $50,000 of your stability, whichever is decrease. So as a result of they’ve 77,000 in retirement, they might be capable to borrow as much as 50% of that and you then pay it again over the course of 5 years and also you’re paying your self curiosity and blah, blah, blah. But it surely’s one other alternative to achieve money ought to your brokerage account dip too low or it’s simply I like having backups to my backups.

Ashley:
And to sort of clarify the distinction between utilizing these two choices, your brokerage and non-retirement account or utilizing the 401k is that while you get the road of credit score on the brokerage, your shares are staying invested, your cash is staying invested within the inventory the place the 401k, you’re truly pulling your cash out of the inventory market to borrow it, and you then’re paying it again each week or everytime you receives a commission by your paycheck. So there may be that distinction the place the brokerage account, you’re staying invested and also you’re not pulling your cash out, however you could possibly discover that nice deal the place pulling your cash out of the inventory market or possibly your 401k choices aren’t that fantastic at your job. So it is smart to take as a lot cash as you may out of there and use it in the direction of actual property. Yeah,

Mindy:
I’m glad you made that distinction. So simply to recap, they wish to know, ought to they buy now, ought to they buy subsequent yr or ought to they only closely spend money on the inventory market? I might say proceed investing so that you simply get any 401k match that your organization presents, possibly slightly bit in your brokerage account, after which simply put the remaining into your excessive yield financial savings account in an effort to have the optionality to pounce on a great deal if one pops up. However undoubtedly discover a actual property agent, once more, biggerpockets.com/brokers to seek out an investor pleasant agent in your space to set you as much as obtain an MLS listings. I’m an agent myself. I can inform you it takes like 45 seconds to arrange this search. So if any person offers you numerous pushback, that’s not the agent for you.

Ashley:
Yeah, so I feel these three choices you could have numerous work you need to do to really know what’s greatest for you. As Mindy talked about, constructing out your purchase field, what you need right into a property, and you may go to biggerpockets.com/ricky sources the place we even have a template there that will help you construct your purchase field. We’re going to take a last advert break and we’ll be proper again. Okay, let’s soar again in with Mindy. Our subsequent query is from Morgan. I’m searching for recommendation. I purchased a flip in September, 2023 and it has not gone effectively. However past that, my lender and I each acquired the ultimate appraised worth unsuitable and the worth has dropped since September, 2023. So in brief, my lender is telling me my solely possibility is to deliver $30,000 to the desk to refinance. I don’t have 30,000 to drop on a refi.
Any concepts on a inventive technique to deal with this one? I can’t consider something, however I’m hoping somebody in right here has skilled one thing related and has an concept. So this isn’t a terrific scenario to be in the place your property didn’t appraise to what you thought it was. So to set the desk right here, it seems to be like somebody borrowed a short-term mortgage, so typically known as a bridge mortgage the place they used it to fund the deal and now they should go and refinance the property with some sort of long-term debt on the property, in a position to try this to pay again their short-term mortgage. They must deliver $30,000 to the closing desk after they do their refinance. And this could possibly be the brand new mortgage they’re getting, they’ll solely lend 80%, 70%, 75%, and there’s not sufficient fairness there to maintain that 20% within the property the place he must deliver one other $30,000 for them to lend that 80 or 70%, no matter that’s. So Mindy, what could be your first transfer right here in case you had been on this scenario?

Mindy:
I might look lengthy and arduous at this property. What went unsuitable in the course of the rehab? Did it simply go on too lengthy? Are they paying extra charges and penalties as a result of they took out a short-term mortgage and needed to prolong it? The ultimate appraised worth incorrect. Generally that occurs. The market adjustments. You simply guessed unsuitable. I hope you didn’t guess. I hope you probably did this with numbers. However from September, 2023 to February, 2025 is a really completely different market that we’re . Can they only promote it and stroll away? Do they nonetheless should deliver the 30,000 to the desk if they only promote as a result of they’re speaking about refinancing. So I feel they did get a short-term mortgage, which has the upper rate of interest and the penalties and costs for extension. I’m wondering if this property could possibly be was a medium time period rental or perhaps a short-term rental for the foreseeable future simply to generate some extra earnings.
How shut is it to a hospital or to a company heart? I’ve had numerous success with a medium-term rental. Simply individuals wish to get away from their scorching climate within the summertime. So they arrive as much as the place I’m at the place it’s not fairly so scorching or it’s not fairly so chilly within the winter. So they arrive and go to within the winter or they’re simply shifting to my city. There’s an organization known as a LE options.com, which is an organization that locations insurance coverage, what’s it? Insureds who’ve had a problem with their home the place they’ll’t presently dwell in it, like the home burned down or it flooded or one thing. They should dwell someplace else. They are going to place individuals in your property and pay you form of a better fee as a result of they do both month to month or three months at a time, rental agreements.
After which after they’re finished, they’re finished. They simply let you realize, Hey, we’re out now. So that they don’t actually offer you numerous discover, however they are going to pay slightly bit extra for the inconvenience of getting not numerous discover completely different choices. However this goes again to the very starting. Before you purchase a property, you need to have a number of exit choices. And I do know that you simply guys have talked about this in your present, however in case you’re shopping for it to flip it, what occurs if the market adjustments and you may’t flip it? Does it work as a long-term rental? Does it work as a medium time period rental? Does it work as a short-term rental or is it actually solely a flip? Possibly that’s not the suitable time to, that’s not the suitable home to purchase. So I hope there’s different choices. I imply, now we have a housing scarcity. There’s numerous alternative for long-term leases. It may not make the cash that you simply want it to, however in case you’re making an attempt to refinance, I imply promoting it’d simply be the best choice for you.

Ashley:
So I feel only a couple issues so as to add as to speak to the lender that you simply acquired the short-term mortgage from and see if there’s any approach to renegotiate. Generally that’s a greater possibility, them having to undergo the foreclosures course of in New York State, it may take about two years for the foreclosures course of to really undergo. So this could possibly be an possibility for the financial institution to wish to negotiate with you and to see what sort of deal they’ll make out. However yeah, it’s undoubtedly a tricky scenario to be in. And also you don’t wish to put your self in a scenario like this. So earlier than you even go right into a deal, like Mindy stated, have a approach to pivot or have a separate exit technique in place, or have these huge reserves in order that in case you do must deliver cash to the desk and also you refinance, and even in case you go and promote it, Tony tells on a regular basis a couple of Shreveport property the place when he bought it, I feel it was $30,000 that he needed to deliver to the desk too when he bought the property as a result of he owed extra on it than what somebody was keen to purchase it for.
And he was in a position to try this as a result of he had reserves in place. So simply a few classes discovered from this particular person’s expertise as to the methods you could be proactive by having reserves in place or a approach to faucet into cash. In our final query, we talked about strains of credit, issues like that. Cash, borrowing cash out of your 401k to pay that 30,000 as painful as it might be to surrender that cash, that tough earned cash, it might be one thing you need to do.

Mindy:
Yeah, and when you’re going into renegotiate with the lender, have your entire funds there so you may present them. In the event you really do not need $30,000, present them that you simply really do not need $30,000. Most of those lenders, I might in truth say all of those lenders don’t wish to personal your property. They don’t wish to repossess your property. They wish to work with you. Possibly you could possibly negotiate to pay this on the backend after the market improves while you lastly do promote it or work out some kind of longer cost plan, however be trustworthy and upfront with them as a result of it doesn’t do you any good to cover any of this. And in case you can’t do 30,000, possibly you are able to do 5 or 10 or no matter you’ve acquired accessible. However yeah, having reserves is essential, which doesn’t assist Morgan, and I’m sorry about that, Morgan, however begin trying on the different alternatives to hire it out and see if there’s another ways in which you could possibly deal with this property.

Ashley:
Ricks, we wish to thanks a lot for being right here and listening to the podcast. As you might know, we air each episode of this podcast on YouTube in addition to unique content material. Like my new sequence, Ricky Useful resource. We wish to hit 100,000 subscribers and we’d like your assist. In the event you aren’t already subscribed, please head over to our YouTube channel, youtube.com/at realestate rookie and subscribe. Properly, Mindy, thanks a lot for becoming a member of me at the moment on Actual Property Rookie and in addition to the BiggerPockets Cash YouTube channel and podcast. The place else can individuals discover you and attain out to you?

Mindy:
I’m on all social media at Mindy at bp, in order that’s M-I-N-D-Y-A-T, BP like BiggerPockets.

Ashley:
I’m Ashley, and he or she’s Mindy. Thanks a lot for becoming a member of us for this episode of Actual Property Ricky Reply.