On this episode of Fresh Up Podcast, the guys discuss the tragic death of a woman who crashed her car and killed two people on the way to pick up her kids at the bus stop. The guys also talk about the El Mayo breakdown on FedReacts. We also discuss a recent car crash that took the life of a young woman who was on Fresh's podcast a couple years ago. The boys also discuss the recent death of another woman who died in a car crash and the impact on her family and the police investigation into what happened to her and the investigation into the death of her family. Also, the boys talk about a new 3v3 debate between Christian and Islamic debaters and much more! Stay tuned for more content coming soon from FreshUp Podcast and Calciclubtv! If you like what you hear, please HIT SUBSCRIBE and leave us a rating and review on Apple Podcasts! Subscribe, Like, and Share on whatever platform you're listening to this podcast! Have a question, suggestion, suggestion or topic request? or just a general question for our next episode? we'll be answering those in the comments section below! Peace & Love, EJ and EJ! Cheers, Ej & Ej! - The EJ & EJ - Cheers! Timestamps: 0:00:00 - Ej - EJ - Thank you Ej + Ej | EJ + EJ 0:30 - E.15:00 + E.17:00 & E.20:00 - EKevo +EJ +E.25:00, E.A. & EKeegan +Ej +Ezell +EZell +A.30:00+E.33:00.00, A.J. +AJ +CJ.00:30 +AOJ + A.C. +C.00A.B. & A.V. & C.J&C. +CZYVY&A. - A.K. & K.BJ +KJ +J.A., +KVY +K? +K.AJ.E. & KJ +RJ +M. & J.A.:) Thank you! +R.J., &K. & M.A..
00:12:16.000Over the past couple of years, Americans dealt with persistent inflation in the US economy in an effort to keep inflation at bay.
00:12:22.000The Federal Reserve raised its benchmark rate several times and now remains at a 23-year high.
00:12:28.000As a result, this increased, which by the way guys, we did a whole talk on the Fed and how central banking messes up economies, but that's a whole other thing.
00:12:36.000As a result, this increased interest rates for many consumer loans, including mortgages, making it too expensive for many people to buy a home.
00:12:42.000While mortgage rates remain relatively high, today's average 30-year mortgage rate as of August 19, 2024, is 6.57%.
00:12:50.000Which is significantly higher than the pandemic-era lows of 3% rates.
00:12:55.000Mortgage rates have started to decline a little in recent months, and the Fed might cut rates soon, which could lead to even lower mortgage rates.
00:13:01.000That said, in today's unusual economic environment, there are other factors that could also impact mortgage rates, such as the health of the economy.
00:13:08.000Bad news for the economy can be good news for mortgage rates, says Melissa Cohen.
00:13:15.000Regional Vice President Williams Ravis Mortgage.
00:13:17.000With that in mind, where are the mortgage rates heading this fall?
00:13:21.000We asked some experts for their predictions.
00:13:51.000In Miami, residential right now sucks because what's going on in Miami right now, right?
00:13:56.000Is the houses are too expensive and the interest rates are also too expensive where you cannot charge enough rent where it makes sense to buy the house.
00:14:06.000So when you buy a home, you've got to calculate how much your monthly payment is going to be.
00:14:13.000And when I calculate how much the monthly payment's gonna be based on the price of the home and the interest rate, along with how much rent that house will be able to collect, right?
00:14:22.000A lot of times you either break even or you don't profit.
00:14:24.000If it doesn't profit, you don't buy it.
00:14:26.000And in Miami, the housing is like at damn near all-time highs because So many people have moved here.
00:14:33.000You guys gotta understand, since 2020, the population of Miami, or not Miami, Florida in general, has went up significantly because people realized a couple of things.
00:14:42.000Number one, there's no state income taxes here.
00:14:46.000Number three, it's way cheaper to live here than up north.
00:14:48.000And then number four, you can work from anywhere, so if you can work from anywhere, right, that's what the pandemic pretty much proved, why are you gonna live in New York, right?
00:14:56.000So everyone moved down here because it's way cheaper to live.
00:15:00.000You want to get, at least back in 2020 prices, you could get a one-bedroom Nice apartment in Brickell, right, in Miami, back in 2020, 2019-ish.
00:16:43.000So that's why a lot of people came down here, because they were like, okay.
00:16:49.000I'm kind of going over Miami real estate in general, which you guys know we're going to broaden out to the rest of Florida and then the country.
00:16:55.000I'm speaking here just so you guys can see on a more micro level, then we're going to go back out to the macro.
00:17:03.000When it came in Miami, Florida, When people come down to Miami, they usually go to Miami Beach, right?
00:17:15.000Ocean Drive, the beach, Collins, all that other stuff.
00:17:21.000When people think of Miami, like tourists and stuff like that, when they think of Miami, you guys do realize you're not actually staying in Miami.
00:17:32.000That's where everyone hangs out, right?
00:17:34.000Everyone thought, prior to 2020, that Miami was expensive.
00:17:39.000No, it wasn't Miami that was expensive.
00:17:41.000It was Miami Beach that was expensive.
00:17:43.000But the city of Miami was still very affordable back then, right?
00:17:46.000So when I got here in 2018, and I got my apartment for $1,700 a month in Brickell, over there at the Fortune House, you guys can Google it right now, right?
00:17:54.000185 Southeast Terrence, whatever the fuck, I forget the thing, right?
00:18:38.000So if I don't need to go to the office and I can work remotely, why don't I go down to Florida where it's cheaper, it's warmer, there's no state income tax.
00:18:59.000Guys, every single house that I bought in Miami, In 2020 and 2021, all those buildings are well over $100,000 extra in equity just because of everyone that moved here, right?
00:19:13.000You spread that out to Florida, Orlando, Tampa, etc.
00:19:17.000They haven't grown to the same level as Miami because this is like one of the bigger major cities here, but it's also exploding in popularity as well.
00:19:23.000And that's why real estate prices have went up significantly.
00:19:26.000But with that said, that was in 2020, 2021, maybe even a little bit of 2022.
00:19:32.000The interest rates went up because at this point, the interest rates were like 3%.
00:19:35.000So people were coming here because they were getting houses cheap, they were leaving New York, and they were going to get interest rates at 3%.
00:20:51.000So now, obviously, interest rates have doubled, and a house that you could have been able to buy back in 2020, you can't buy now.
00:20:59.000Because not only has the housing market increased, with the price that I just explained to you guys because people moved, But also, interest rates have went up.
00:21:07.000So now, in Miami in particular, since the properties are up, The interest rates are up.
00:21:12.000It's very difficult for you to now go ahead and rent a house and still make profit because rents have pretty much stagnated in Florida.
00:21:20.000I would argue in a lot of places, even rent, you've had to bring it down.
00:21:22.000On a couple of my properties, I've had to bring the rent down.
00:22:03.000But I have friends that wanted to get into property, right?
00:22:05.000And they're thinking to themselves, if I just wait until the thing dies down, then I'll buy property.
00:22:10.000But then I ask a question to them as well, and to the audience.
00:22:12.000If you're gonna wait for people to buy property later on, right?
00:22:16.000Everyone that's invested money right now, as an investor, they would have found a property that bought it already before you because they're looking, as we speak now, for properties.
00:22:23.000And if you're waiting to buy property in the future, when rates are down, everyone that buys properties is already buying properties anyway.
00:22:29.000So my thing is like, when it comes to rates, I understand they are pretty high right now, but if you're smart about it, you get properties now while they're on the market because the biggest thing is finding deals.
00:22:41.000When everyone's looking for a deal, then guess what?
00:22:43.000It's going to be extremely hard to find regardless.
00:22:45.000But if people are not looking for deals that much and they're scared to buy, that's when you should buy.
00:22:49.000So with the rates being this high, what I would do is I would buy now while they're still high and then refinance whenever it comes down to a lower rate.
00:22:58.000And at that point, you just refinance their property or...
00:23:03.000Cash out refinance or HELOC. And then from there, get that money out and then get another property.
00:23:07.000But the biggest thing I want to do with save up rates is that with rates, you always want to have the option to lower them if you can, which means wait for them to drop down and then lower them.
00:23:16.000But don't be scared to buy property, guys.
00:23:18.000Buy now while you still can while they're on the market because all these deals that you see right now on the marketplace won't be there in the future.
00:23:33.000When the rates are high, like this, guys, this is where you have to come in aggressive and offer, I hate to say, you gotta offer, you gotta lowball price them, you know?
00:23:43.000You simply can because other, keep in mind, if it doesn't make sense for you and it doesn't make money, it's not gonna make money for other investors as well.
00:23:54.000Also, they're also motivated to sell because either they need money themselves or they just wanna get out to another property.
00:23:59.000So either way, they're gonna be motivated to sell to you as a buyer.
00:24:01.000Yeah, especially if it's closer to the end of the year, which is what we're at now.
00:24:04.000Because, guys, the reason why is because of something called the 1031 exchange.
00:24:08.000So if they sell the house, they have a certain amount of time to go ahead and get that 1031 exchange done after they take the profits from the deal and then move it over to another property.
00:24:18.000So they'll also be motivated at the end of the year as well.
00:24:21.000So a lot of times I find good deals at the end of the year.
00:24:23.000Sometimes I have to buy them cash because, you know, oh, that's another thing too you guys can do to get around this whole bank shit, right?
00:24:38.000But there are particular instances where buying a house cash can make sense and then you don't lose access to that capital because as soon as you buy cash, you could turn around and either do a refire or do a HELOC on that house.
00:24:52.000So you have access to that equity that you got.
00:24:54.000Because once you own it outright, there's no bank involved.
00:25:15.000You'll only be able to access maybe $160K, $170K, $150K. But you still have access to a portion of that capital, which I think is still a W, assuming you can't get the house through other means.
00:25:28.000Because keep in mind, guys, that there are some deals.
00:25:30.000Where banks won't give you a loan on the house because maybe it doesn't mean they're appraised.
00:26:55.000So he built it out of pocket, cost him a lot more money to build it than what he was gonna sell it for, but he didn't go fuck because the losses would actually benefit him.
00:27:22.000Three bedroom, two bath, Pompano Beach, and that's an upcoming area.
00:27:25.000That's why when you guys hear me talk to the girls about Pompano Beach or whatever, I know a little bit about it because, you know, I look at that market and I was like, okay, is it worth buying a bullet?
00:29:50.000Guys, I don't give a fuck how much money they make, and I'm learning this the hard way, because I got two tenants that make over $100,000 a year that still can't pay their fucking rent.
00:29:58.000Actually, I'm evicting a bitch out of one of my houses right now that makes over $100,000.
00:31:00.000But regardless, though, with risk, we're just saying, guys, as a summary here, don't let them scare you.
00:31:04.000If you want to get into property, do it now while you still can, because I'm telling you, BlackRock and these investors that we have now, New York, Canada, they're buying right now as we speak, and those deals won't be there.
00:31:14.000And I'd argue that articles like that are put out to scare you from buying a house.
00:32:02.000So that area, any property over there, go on Zillow.com or Redfin, any of those websites, even single-family homes over there have the tendency to go up in value immensely.
00:32:13.000So buying them now while the market's kind of like a little bit shitty, with a year or two, it'll blow up in value.
00:32:35.000Or I could do a cash out refinance and pull that money out, get 70-80% out, and that would give me access to like $500,000, that set 80%, that'd be like $400,000.
00:32:56.000So yeah, guys, that I could have access to.
00:32:59.000So it does make sense sometimes to buy houses cash, especially when you find a deal like that and the seller, he didn't want to do a bank loan.
00:33:06.000But the problem is people of our generation don't want to buy property nowadays, so they're going to be renters for a long period of time, bro.
00:33:25.000Speaking of which, our next topic is going to be this exactly, about how millennials are making more money, but at the same time, right now where we live in inflation, high costs, and energy costs as well.
00:34:08.000If you go to Wynwood, Miami right now, there's a bunch of open fucking lots that have signs around them saying building coming soon, blah, blah, blah.
00:34:14.000Those are smart people that bought that land for $500,000, whatever it may be.
00:34:19.000Now it's going to be worth millions because they're going to put a fucking high rise there.
00:34:24.000Then we could have a conversation about buying fucking land.
00:34:26.000But in general, buying land is a waste of money, man.
00:34:29.000You don't get the same tax write-offs because you can't cost segregate it.
00:35:08.000Unless you're a very savvy investor, you got your portfolio set up, you're making cash flow, whatever, you want to dabble in land and it's a long-term thing, whatever, you know what you're doing.
00:36:02.000Anyhow, yeah, he talks about what's going on with the current market and millennials, and it's really crazy what he's talking about with the...
00:36:10.000Yeah, I think most of us in America would define the middle class as somebody who can work a 40-hour-a-week career and could have the income to purchase the average home in America and possibly even have a spouse at home,
00:36:28.000raise a couple children, take a two-week vacation, have a car that's five to ten years old, nothing fancy.
00:36:35.000You know, still turning the lights off in the house.
00:36:37.000A lot of us grew up middle class, and we watched what middle class was in the 80s and 90s as millennials.
00:36:43.000And nowadays, that's what's moved the goalpost more than anything is the housing market.
00:36:48.000Because just five years ago, the median household income was about $60,000, $70,000, and that's what you needed to qualify for a home.
00:36:57.000Now in 2024, the average home is $400,000, $420,000 for most of Americans, and you need about $120,000 as an income to have a shot at qualifying for that house.
00:37:10.000So just in the housing market alone, I feel, is what shifted the goalpost.
00:37:44.000I think now where middle class is, it's basically like either you're successful and you have a high-paying career, or you're not successful and you're working at minimum wage or average minimum wage.
00:37:55.000What do you think about that, middle class?
00:37:57.000Yeah, I mean, it's slowly evaporating, right?
00:38:27.00050k a year, you could provide for yourself as a single guy, but for a family, man, I remember you used to be able to provide for a family with 50k per year when I was growing up.
00:38:52.000So you're going to need a lot more money, and as well, everyday expenses are even higher.
00:38:56.000So I think middle class is pretty much gone.
00:38:58.000Upper middle class is a good thing to say as well, but honestly, guys, this is why people nowadays, especially millennials, don't want to buy.
00:39:13.000They'd rather rent, which I think is stupid a lot of times, but...
00:39:15.000It is, but their mindset is, okay, I could spend all this money and be burdened by this weight on my shoulder, which is the property, or just rent and move when I want to move.
00:39:24.000So the freedom of moving and having that access ability is what's driving them to say, you know what, I'll just travel, rent, and then eat wherever I want.
00:39:32.000I mean, I get it, but it's not smart, though.
00:39:34.000Because you're paying rent to somebody's mortgage when you pay your own rent, which is your mortgage.
00:39:40.000Yeah, I mean, renting makes sense sometimes.
00:39:43.000I mean, actually, it makes sense most of the time, right?
00:39:45.000Like, buying is not always necessarily the best, but my issue is that they don't own any assets.
00:40:09.000You know, save your money, like, you know, it's this whole, like, doom of having debt in general, and they think all debt is bad, but the reality is it's only really consumer debt, because...
00:40:19.000Dave Ramsey teaches millennials and even people like our age, he tells you don't even take a mortgage to buy a house, Dave Ramsey.
00:40:28.000But to be fair, people should follow his advice though, because most people are not good with money.
00:40:32.000So they're going to do the worst things possible to the extreme.
00:41:12.000I mean, honestly, bro, from my opinion, what millennials should do is they should work their asses off, do, I want to say, overtime as much as possible, and at that point, use the money to buy property.
00:41:23.000And if you can't do that, work two or three jobs, minimum.
00:41:26.000Yeah, you got to suffer for a few years.
00:43:36.000Someplace you can find them, like gas stations like Phillips, 66, Shells, Valero, Circle K, Marathon, Chevron, Exxon, Mobile, TA, 7-11, Love's, BP, Casey's, Sunoco, and many more.
00:43:48.000Restaurants like Chipotle, Myron's favorite, Papa John's, Dairy Queen's, Domino's, Mario's Pizza, Arby's, Checkers, KFC, Popeye's, Rally's, Taco Bell, many more, many more.
00:44:08.000Click the link in the description to download Upside and use code FNF. That is code FNF to get an extra 25 cents back for every gallon on your first tank of gas.
00:44:21.000Or scan the QR code here to claim this offer.
00:45:01.000You can work maybe at a burger spot, then do Uber, then do maybe some Uber Eats, whatever it may be, and then make as much money as you can and pick up your first property and house hack your way in.
00:45:10.000I think that's the best way to get in as a money owner, because at least once you get that first property, I don't even care if you become a real estate investor.
00:45:19.000Once you get that first property and you're able to live in it and rent out the other side or you have roommates or whatever, you're able to live for free.
00:45:25.000So at least you're going to cut your biggest expense, which is living expense for most Americans.
00:47:20.000When you say brand new, are we talking about brand new as in like the year it was released, it's that current year, or do you mean brand new as in like no zero mileage?
00:48:17.000But those companies have cars that last forever.
00:48:21.000You buy those one time, pre-owned of course, don't buy brand new.
00:48:24.000And what's going to happen is once you buy those cars, you drive to work A to Z for years, and they last forever.
00:48:29.000Now granted though, if you buy a new car from any location at all, What's going to happen is the car value, once you trade off the lot, is going to go down, and then you have to pay what's called, what's the term for it?
00:48:43.000It's when you're, not underwater, but you're like, what's the term for it again?
00:48:49.000When you owe money on a car, when you buy it.
00:49:19.000And mind you, they know what's happening because to them it's like, okay, you just signed this piece of paper for finance or for lease, we got you.
00:49:25.000Remember, they make money on the front end.
00:49:27.000Because those terms were done at the point when you signed that paper and you're stuck in that.
00:49:33.000They make money from the front end, but mostly from the back end.
00:51:01.000Vice President Kamala Harris on Friday unveiled the economic policy she would enact in her first 100 days in office, and it comes with a whopping estimated $1.7 trillion in handouts as well as government price controls on groceries amid ravaging Biden-Harris administration inflation.
00:51:12.000Her economic plans measure includes Measures to dole out $25,000 to help first-time homeowners with their down payment and give up to $6,000 tax breaks for lower- and middle-class income families who have a child in their first year of life.
00:51:25.000Harris did not say incomes qualify as lower and middle.
00:51:28.000The housing subsidies alone are absolutely inflationary and would push a $2 trillion deficit even higher, Brian Rideau, a senior economic fellow at the Manhattan Institute, told.
00:51:37.000The Post, referring to the already projected budget fall for 2024, Those subsidies make up just $200 billion of the $1.7 trillion handout pledged to voters.
00:51:50.000So, she was critiqued on many platforms about not stating her policies.
00:52:20.000When it comes to taxes, the people that get destroyed the most when it comes to taxes are childless people that earn between, I would say, $80,000 and more.
00:52:30.000And why it sucks is because once you start making $80,000 more, what ends up happening is you're considered like...
00:52:37.000Kinda rich, where the government's like, oh, we're gonna take a bunch of money from you, so you're not making enough yet where you're actually making a fuck ton of money where you can give that money out on taxes and be like, oh man, this sucks, but whatever, it's fine, I'm still okay.
00:52:50.000You're just entry-level getting there.
00:52:53.000But you're still getting taxed like someone who makes significantly more than you because now you hit that tax bracket.
00:53:01.000So you're at the bottom of You're a rich poor nigga, if I'm gonna say it.
00:53:07.000Yeah, you're basically a rich poor nigga.
00:53:08.000So you're getting taxed like a rich dude, but you just made it.
00:53:12.000So now you're getting hit with the fucking high taxes that someone in your bracket is also dealing with, but they make significantly more money than you.
00:53:21.000Taxes are designed to take money from the people that have high income skills that earn a lot of money, that don't have assets and don't have children.
00:53:30.000You need to have assets, especially if you're making quite a bit of money and you don't have kids, because the assets are going to protect you from bills like this.
00:53:37.000Because the thing that people don't get is when they see this stuff like, I'm going to get all this free money, woo!
00:53:43.000Where do you think they get that money from?
00:55:09.000If people demand for this kind of behavior from the government, we're going to start relying on them as a source of money, and that means they have more control over us as people.
00:55:18.000So, all the middle-class or, like, lower-class people that want to get these financial benefits are going to say, yo, help us, government.
00:55:33.000So the CRFB estimates make it clear that the Harris agenda, like Biden's before, will be fiscally reckless and economically damaging, Adam Michael, the director of tax policy studies at the Libertarian Cato Institute, told The Post.
00:55:47.000Running people large checks and enforcing price controls is a recipe for expanding demand and shrinking supply, creating shortages and necessitating Yeah,
00:56:08.000and she actually did that because, if I'm not mistaken, J.D. Vance came up with a similar thing with the child tax.
00:56:18.000This is very reckless to be adding this type of debt to our only already existing mountain of debt, said Joe Griffith.
00:56:24.000Well, they don't care because we print the money.
00:56:25.000An economic research fellow at the Heritage Foundation told The Post in reference to the rising national deficit that currently sits at $34 trillion and is expected to reach $50 trillion by 2034, the nonpartisan tax foundation in an analysis was particularly troubled by the lack of detail she founded over where the funding for the handouts would come.
00:57:40.000This is going to sound like an asshole, but you've got to give money to the people that run businesses and the people that have real estate.
00:57:46.000Because when you give them tax breaks and you give them money, what ends up happening is they employ more people, and then it's a top-down system where they're able to scale their business, they hire more people, they hire more people, they create more jobs.
00:57:56.000Then those people are able to get real money that's coming in from their job versus...
00:58:02.000Getting a handout one time and then spending it recklessly because the whole reason a lot of times people are in the middle class or in the lower class is because they suck with money.
00:58:10.000So if you give them money, their shitty spending habits are going to continue versus you give it to people that are fiscally responsible, able to start a business, people that have businesses, etc.
00:58:17.000They hire the people that are bad with money.
00:58:20.000Also, to your point, when you enable bad behavior, what happens?
00:58:25.000So all these drug addicts, all these like friggin' massive spenders that just waste money every single week on strip clubs or other miscellaneous expenses, they're gonna keep doing that because they know, oh, next month, free check.
00:59:41.000When they get big tax breaks, they take that money and they put it back into the market either with their business or with their real estate.
01:00:13.000And giving them more money, all they're going to do is take that money and pay off their debts that they got there in the first place because they didn't make enough money or they didn't have the skill set to make enough money, etc.
01:00:33.000I do believe in trickle-down economics, and I'm not saying this now just because I'm a business owner or whatever, but when you look at it on a macro scale, it makes way more sense.
01:00:45.000Unfortunately, the population itself is not smart.
01:00:48.000And this is coming from a guy that came from a lower middle class background.
01:00:50.000I can tell you guys that people in the lower middle class, their biggest issue is they just spend money poorly.
01:00:58.000Credit card debt, etc., I was at AT&T for a year back in the day and I saw people there from all walks of life.
01:01:08.000Haitian, you know, Dominican, Jamaican, American.
01:01:13.000And I asked them, like, how long have you been at this company?
01:01:16.000Some people said five years, ten years, some said 25 years.
01:05:05.000Excited to announce that the Castle Club Roadman Trucking Group is now live.
01:05:09.000In addition to our city chapters, this group is specifically designed for anyone involved in trucking, logistics, hotshot services, or pursuing a career in transportation.
01:05:16.000If you're part of our local chapters, reach out to your city general and join the Telegram chat.
01:05:20.000If you're not Yeah, I'm part of the Cals Club.
01:06:43.000A bit of Ninja Watcher, but now I'm here.
01:06:45.000Just so you guys know, by the way, we read the Castle Club chats and you're able to donate a fraction of what you need to donate to get your chat read.
01:11:08.000Grimscore doesn't only reflect their ability to make money, but it also shows if they have their priorities and check shots, FNF's hospitality.
01:11:28.000You should do a real estate episode where you go to Zillow to look at the housing market at every major state, cities, good place to buy, where to not buy, upcoming trends in the housing market, et cetera, so people get a visual representation.
01:14:52.000Any chance that you can bring programmers or people that know how to handle social media pages, chatbots, or how to make professional websites?
01:16:04.000Sometimes, I'll be honest with you, a lot of times I just host it.
01:16:07.000So for example, they were doing a space yesterday, and Destiny was in there, and they were debating certain things, extradition, for a certain nation state, if you guys know what I'm talking about.
01:16:16.000So I was like, you know what, I'm not going to ruin this conversation, I'll let y'all talk, and I just literally streamed FedReacts.
01:16:48.000Imagine how much housing prices would go down if these corporations realized that we don't need offices working and renovated all the offices into residential units.
01:16:56.000Also, when is Sneak Odia, the lazy one, coming on Monday news show?
01:17:03.000Oh, they're calling Sneako the lazy one?
01:17:35.000I'm letting Cash Club members copy my Forex account for free just to pay the copier service because I don't want access to anyone's money or passwords.
01:20:02.000But the good news is that Mike Huckabee's team put together We put together the Kids Guide to President Trump and right now you can get it for free with fun illustrations and easy to follow content.
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01:21:34.000That's another way to get around these banks.
01:21:36.000They can give you a better interest rate.
01:21:37.000And then you can buy the house from them at what they want, at the rate that they want, or the price point that they want, because they're financing it to you.
01:21:44.000So that's another thing that you can do.