Nope. It’s not the time I’m going to bed. It’s the time I just woke up without an alarm. Waiting on @Bernadeau Charles and @Malcolm Turner We’re doing our first 5 am Lending Masters accountability call today. Since I am on mountain time, it’s 3 am for me. Whatever it takes!! LFG!

Last week, I had a great 1-on-1 onboarding with a new member. They had a 9-5 that they must work to pay the bills. I encouraged them to make a big change which may help some of you. Eric Thomas, the great motivational speaker, gave a speech https://a.co/d/dbiHHWQ in this 7min video that's the inspiration for his book called You Owe You: Ignite Your Power, Your Purpose, and Your Why. Watch it only if you want to change your life. 🎯Mindset shift: Your 9am-5pm effort is for someone else. Their goals, profits, and dreams. Others say 5-9pm should be for you. But I say don't give yourself your leftovers. Commit your best to yourself first, meaning get up early, and work 5am-9am FOR YOU. Give you your best energy, freshest ideas, and the first fruits of your labor. You owe you. I am writing this at 7:15am and candidly I don't have a 9-5 job. I have a 24/7 passion to serve that thankfully provides for all my financial needs. but there was a time when it couldn't. Because of Eric Thomas, I changed my start time to 3am and it changed my life. Working a full six hours before most people get their morning coffee supercharged my confidence and my results. You owe you your best. Give it. No, demand it, and watch the transformation happen. "be not conformed to this world: but be ye transformed by the renewing of your mind" Rom 12:2 ⏲️Implementation plan: Start by going to bed at 9pm. Ben Franklin said it best "Early to bed, early to rise. Makes one healthy, wealthy, and wise." Get up(no snooze) one hour early every month until you hit your start goal. Let your excitement for achieving your dream be your alarm clock. 🔥Warning: starting your day working for your future will change how you view your day job and it will not be long for this Earth. You may even find new energy to work at 5pm-9m for you as well. You will not want to work 2mins on someone else's business when yours requires your love and attention. FYI, here's the link to his book on Amazon: https://a.co/d/4NTILC2

Inspired by @Bernadeau Charles I drafted something simple - feel free to edit to your goals. Let's go!! When is the first call? LOL https://docs.google.com/spreadsheets/u/2/d/1j6DtQ9bOeeCWXc0f6d1vhYV864oCvzRQj_DDK25qzMQ/copy

Hi all, excited to embark on this journey together. I'm a realtor-turned Commercial RE Broker. Just joined Marcus & Millichap. Was in process of getting my Residential MLO license (SAFE test scheduled) and decided if I'm switching my RE business from residential to commercial I had better look into commercial lending too, so here I am! - Goal for 2025: close 3 Commercial sales and net 250k in commissions (500k but 250 after my broker split). Close at least 1 commercial loan and 3 hard money loans with my investor connections. - Biggest Struggle - in the lending part will be finding the time to do lending. I'm committed to making 500 outbound prospecting calls per week on the brokerage side, so that will take a lot of time. I'm going to have to work my calendar to figure out how to block some lending time in.

My referred client sent me the following referral, and a request for funds; He says, his friend asked this: "I’m reaching out to explore a short-term financing opportunity backed by strong real estate equity. I’m a licensed realtor and owner of a property management company, currently looking to borrow $350,000 secured by a third mortgage on my existing property (valued at $500K–$550K, with $280K already mortgaged). The funds will be used to: Purchase a second property ($250,000 – contract ready) Renovate it ($100,000 – plumbing, furnace, cosmetic) The plan is to refinance the second property after renovation and tenanting (ARV ~$425,000+) within 6–8 months, which will fully pay off your loan. The loan would be interest-only, and I’m open to fair lending rates and standard fees. Since rental income from my first property is fully committed to existing mortgages, I’m also including an interest reserve in the loan structure — where the monthly payments (approx. $2,917) are set aside upfront, so there’s no risk of missed payments during the term. If this sounds like a good fit, I’d be happy to send more details or set up a quick call” How could we structure this request? Or no way we would touch this? Comments please 👇