I'm interested who in this group can manage EMD completely independently and might want referrals on deals that offer high payouts at close but need lower upfront fees that we charge. We might be able to refer some periodically. I'll check on this kind of these at times to make sure I understand our group skills. :) @Khalil Yusuf @Mandy Cartagena @Kathleen Miller @Jamey Marcos @Brenda Villafranco

Recourse or non-recourse? He guessed wrong and it cost him everything 📣 An investor I know borrowed $400K from a private lender to buy a few rentals, No personal guarantee, just the properties on the line… He felt safe... until a bad year hit and he learned what his loan actually said. More on him in a second. 📌First, the thing every borrower needs to understand :- 🚨There are two kinds of loans, The difference between them decides how much of your life is at risk when a deal goes bad. ➡️ RECOURSE LOAN You stop paying, The lender takes the property, But if the property sells for less than you owe, they can come after YOU for the rest. Your house Your savings Your other rentals Your bank accounts The property is just the starting point, You're on the hook for the gap. This usually shows up as a "personal guarantee." When you sign one, you're not just putting the property on the line, You're putting yourself on the line. ➡️ NON-RECOURSE LOAN You stop paying, The lender takes the property and that's where it ends, They cannot touch your personal stuff, If the property sells short, that loss is THEIRS, not yours. ( lenders still get tax benefits 99% of the time lol ) 😂 You hand over the keys and walk away, Your house and savings stay safe no matter what. So non-recourse wins every time, right? Not so fast.🗿 WHAT MOST PEOPLE GET WRONG🤦‍♀️ A private lender's real safety net isn't your signature. It's the equity in the deal.📌 They lend less than the property is worth, so if things go bad, the property alone covers them, That's why some private lenders say "no personal guarantee needed." … They don't want your house… They just want their money back, and the property usually gives them that. That's why non-recourse is more common in buy-and-hold ( and DSCR loans too ) than people think. 📌THE CATCH NOBODY EXPLAINS🚨 Even a non-recourse loan has rules that cancel your protection:- Lie on the application Hide rent Trash the property. Pull a fake bankruptcy to stall… Strip the place before you hand it back.

We have a special guest on DSCR loans (tonight!), Premium Member calls, a masterclass on Echo funding and even Live Deal + Q&A calls over the next couple weeks. 🤩 Make sure you have the calendar linked to your personal / work calendar so you don't miss valuable opportunities to learn about the segment of Gator lending we do in this group. You can do this by clicking 👆 on the link to the right "Add the Calendar." You can also click the Calendar tab at the top to see what's on the docket at any time. If you are linked, you won't miss out when a new call gets added or one changes, etc. on accident, so I recommend that approach. We are currently setting up the next 2️⃣ months so you will start to see a lot of new calls pop onto the calendar soon. Keep your eyes open for them so you don't miss them! 👀 See you tonight!

Josh Trujillo is coming to talk DSCR lending and if you’re not on the call, you’re going to hear about it from everyone who was. DSCR lending is quietly one of the most powerful tools in creative finance, core to Mary Method deals — and Josh is breaking it down live. 📅 Tuesday night. Mark it. Drop a 👑 in the comments if you’re in.

Just got home from the retreat in San Antonio and I had to share this while it's fresh 🔥 I sat down with people this week who are doing Morby method deals on small multifamily, creative finance on commercial properties, and structuring deals in ways I hadn't seen before — and every single one of those conversations started because someone showed up and said hello. That's it. That's the whole secret. 👋 The people closing the most deals aren't the ones with the best spreadsheets. They're the ones building the most relationships. They're at the meetups. They're in the WhatsApp groups. They're connecting with creative buyers, wholesalers, and operators who need capital partners — and when a deal comes together, they're the first call. If you're not going to your local SubTo meetups yet, start. Same for other real estate meetups in the area. This is where we connect with the Morby method buyers and wholesalers in our areas. Most of us are in Gator, but if you haven't explored Gator yet, seriously — do it. 🐊 It's the fastest way to get into the flow of deals, build real relationships with operators, and start seeing how capital moves in creative transactions. The retreat reminded me that nobody builds this alone. The deals come from the relationships. The relationships come from showing up. 🤝 Let's get to our next local meetup. That's where it starts 💪