He Was Laid Off From TSA, Now He Owns an Entire Rental Portfolio

24:21Brandon Turner:Absolutely. So I want to jump into how or why you started creating content as it relates to helping people learn how to buy houses, but also just education in the real estate space in general. But I want to wrap up about your portfolio. So is the majority of your portfolio now partnership deals? And are you still acquiring assets or are you just kind of sitting on what you have? I'm sitting right now. I'm waiting for a couple of things to finish on my end that I'm working on in terms of rehabs and stuff like that. Yeah. because I got a couple of things going on, including my new primary residence.

24:53That's just been a pain in my ass. I saw when you started that a few years back. It's still going, huh? Yeah, it's still going. It's a pain in my ass. It's a pain in my ass. But God willing, it's going to be up. It's going to be finished this year so I can really move on to other things. But yeah, so a majority of what I have is partnerships. A couple of the properties that I have is I'm majority owner in them. But a lot of them, I'm anywhere, like I said, between 25 % and 40%. and it works out perfectly for me and I'm fine. Acquiring, like over the past couple of years, I've invested into flips.

25:24I don't have time to be the guy who's on the boots on the ground. So with the content, it's a great thing because when you speak into the algorithm, I tell people all the time, the algorithm is your number one referral partner. Whatever I put in the algorithm, she's going to bring it back to me. So there's deals that come across my desk all the time where I see investors out here doing fix and flips and i like you know i like these numbers on the deal like i want i got this amount of money to be 25 30 percent owned on this flip and then i start joint ventures right that's how i keep my money flowing too right like i'm still involved in the deal but i don't have to do the everyday grunt work i'm just i'm either your bank because i'm lending you money or i'm being jv partner right and i'm bringing certain resources and everything like that that i have access to to the game so still investing right but just doing it a little bit smarter with limiting my exposure so that way I can keep myself free for when I see something that comes up that I really want for me that I'm going to do.

26:25But the reason why I put out content, Henry, just to get to that, is I'm a loan originator. That's my bread and butter, right? I like to close deals. I like to help people achieve their real estate goals. So social media for me was a way for me to get leads to get business. And it grew into something far greater than I didn't even think it would grow into where now it brings me so much other things. But that was why I got into the business of social media and creating content was to feed my mortgage business. But then I'll tell you guys, it flipped quickly because I realized putting out content as a salesperson, it's not going to get you nowhere.

27:04And I think that's the biggest problem that salespeople have is that they want a result today. They want to sell today or it's not worth it. I used to be that person. If I put out a video and I'm sounding salesy, I'm expecting results. And that was not the thing.

27:18Brandon Turner:When I got into just becoming an educator and becoming Professor MG and now teaching you about this business and teaching you about real estate finance and then giving you the ABCs and the one, two, threes, that's when my page started blowing up is because now I've realized with the content that how many people don't know this stuff? And I'm thinking people know this and they really don't. Even to this day, when I put out content, I remember like, I'm surprised people still don't know this, even with all this information that's out here. But that's what really got me into it. And now I'm more of an educator than anything.

27:56And I love it.

27:57Brandon Turner:What I love about M.G.'s content, y 'all, if you've never listened to him, go listen to him. Because when he speaks, he speaks from a place of I am trying to help you. That's the vibe you get when you're on his page. You don't get a vibe of I'm trying to sell you. You don't get a vibe of I'm trying to make a buck. You get a vibe of this is information that I need you to know and understand so that you can go out and better yourself in your life. and I started producing Content MG because I had a panic attack 90 days before I bought my first rental property. I didn't know how I was going to take care of my family financially.

28:34Brandon Turner:And then 90 days later, I owned a rental property. I had bad credit. I didn't have any money. I bought it with none of my own money out of my pocket. It was cash flowing. It was paying for itself and it was paying me. And then the bank called me and told me to take out a line of credit on the equity so they could help me do more deals in the future. And after they had to explain to me what a line of credit meant, I realized I was staring at$30 ,000 in the face. And to go from panic attack about money to realizing that I now have access to$30 ,000 plus a cash flow on rental property was so mind-blowing to me that I didn't feel like God led me down this path of learning about real estate so I could be wealthy.

29:15Brandon Turner:I knew I was led down this path because there's got to be other people who are in a worse financial position than me, who have no idea how close they are to changing their life. And what you said that I love is that you started to see more growth and things start to shift for you when you realized that you were giving people education, where you were helping people. And that's, first and foremost, that's the way of the world, right? Nothing we do is for us. Everything we do is for somebody else. God didn't put us here to do anything for us. We're on this planet to improve the lives of people around us.

29:49Brandon Turner:When you put out content and you do it from a place of, I am trying to help people, so much is going to come your way. And I feel like you probably get this too. People ask you, I'm sure, hey man, I want to put out content. What do I do? How do I do it? How do I get people to follow my page? And the first thing I always tell people is I'm like, if you're doing it for money, if you're doing it for likes, or if you're doing it for views, don't do it. You're wasting your time. But if you're doing it because you just want to help people, I think you're going to be okay. And that's actually a perfect transition because while I got you here and while I got all these people listening who probably either have gotten loans in the past or are going to get loans in the future for investment properties or for personal properties, I want to talk about what makes people lendable, what makes people like you notice the applications or the people who are prepared and ready to get deals finance.

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35:26Brandon Turner:All right, we are back on the BiggerPockets podcast. I'm here with my man, MG, the mortgage guy. We've talked about his history as a loan officer and investor. We've talked about his ability to produce outstanding educational content and how that's played into both helping to grow his business and grow him as an investor. But now I want to talk about the lending side, But not the lending side from the bank's perspective. I want to talk about the lending side from the borrower's perspective. People everywhere seem to have two issues when they think about real estate investing. Their problem is either I don't know where or how to find a deal or I don't know where or how to find the money.

36:07Brandon Turner:And then when they find somebody like you who's like, all right, we have some money, I feel oftentimes they come to the table unprepared. So how should somebody come to a loan officer or come to a lender? What kinds of things do they need to have prepared? What questions do they need to be asking? How do they best prepare themselves to be able to get that? Yes, you're approved versus the no, thank you. We don't want to work with you. First things first, your mindset. You have to come to the lender, the bank, whoever you go into to get money with a mindset of I know what I'm doing. Right. I don't care if you buy on your first house or your 10th house.

36:46You need to have the mindset of a CEO real estate investor because you need to be able to guide and dictate the people that you hire on your team. A CEO in the business can't go as far if they don't have a good team, but the CEO needs to be able to lead the team to the promised land. Right. There's reasons why Tom Brady is Tom Brady, why Michael Jordan is Michael Jordan. Right. Because they were able to lead. Right. And if you don't have that right mindset, you're not going to be able to lead properly. That's number one. Number two, you need to understand real estate financing. You don't need to know as much as I know as a loan officer, but you need to know enough to have an intelligent conversation to know if I'm bullshitting you or not.

37:28because a lot of salespeople out here will BS you and put you in the wrong type of products and deals that will mess you up from getting deal number two and number three because deal number one was not structured properly. But if you don't know enough to have an intelligent conversation with me about these loan products, then guess what? I'm going to put you in a product that's going to be more of a high margin. It's like when you go buy a car, right? That finance manager job is not only to get you financing, but we got to make the finance manager at the car dealership got to make money for the car dealership they're not making money by selling the car they're making money on the finance and it's the same thing in the mortgage business right we could do a loan we can either make a good margin or a very low margin right pick your poison and some loan officers if you're working with a client like if i got a client that comes up to me henry and they kind of know everything they're doing i know i have to be very thin because i know they're going to shop me but if i don't feel like they're going to shop me then that gives me an opportunity to make more money.

38:28So you got to know. And I'm telling you guys all of this, just I'm keeping it real inside information. Like this is, this is just some real talk right here. Cause like everybody, everybody is when you're in sales, you have to make money. You have to meet quotas, period, point blank. So those two things, number three, I would say, you got to have a vision for your business, right? You got to be able to tell me as the leader of your business, I want to buy this type of property. This is what I'm looking doing. And then I want to buy this next. Right. You can't come to me and say, well, maybe I want to buy four properties this year, maybe, or I don't have all the money for it.

39:08I'm trying to figure like, you're just confused. Like you just don't really know what you want to do. Right. So if you don't, again, again, it's back to the leadership part and the mindset. If you don't really know what you're on that how you expect me to work with you, right? Because remember, I'm a part of your team. I need to know what's my directive so I know how to really structure this the right way to make sure I'm making you money. Number four thing I think people need to come to the table is you need to have a full team. You need to come to the table when you go into the lender. You need to say, look, I have my contractor.

39:44I'm trying to do a rehab loan. You know how many people I speak to say, I want to do a birth strategy or I want to do a rehab loan. You got a contractor? No. How are you trying to do a rehab loan or a birth strategy? You don't even have a contractor or even have an idea of who you might want to work with as a contractor. Like, that doesn't make sense to me. Right. Right? So having your team together is very important because when you come to the bank, if you have all these things together, to me, I'm looking at, okay, you're serious. Right. You're trying to execute and close. So I need to work harder with you than I do the other person who's coming right behind you who might just be at the starting point.

40:22So I think if you come to the table with your knowledge, your expertise, your mindset right, have a vision, have some sort of a team together, then it makes it a little bit easier for you to get yourself financing and have a person that you can work with not just on one transaction, but multiple transactions and grow with.

40:44Brandon Turner:Absolutely. Like you need to know enough to be able to speak intelligently about what it is that you want to buy, why you want to buy it, and your plan for the future. The more you're able to communicate with your loan officer about who you are, what your business is, what you're looking to buy, why you're looking to buy it, and how you want to buy it, the better rates, terms, and experience that you're going to have. because, A, if you don't know what you want, how do I know how to help you, right? I think one of the things that people don't understand is how many different types of loan products are out there.

41:22Brandon Turner:People just have no clue. There are so many types of loan products out there. And there are experts like you who can take someone who knows what they're looking to buy and who knows why they wanna buy it and who even has some idea of how they wanna buy it. And you can then now look at that deal And then you can go to your arsenal of loan products and you can say, hey, I think this one might be better for you. And here is why. Right. And they can't pull that out of thin air, though. So you have to be able to articulate enough so that, A, they understand that you know what you're doing. And also when you talk like you know what you're doing, it gives lenders what?

42:00Brandon Turner:It gives them peace and confidence because they're giving you they're lending you a big chunk of money. And no one wants to lend out money with the expectation that they're going to have to go take that property back. They want to lend out money to people that they feel like are going to be able to service that loan. And so if you don't speak with confidence, right, wrong or indifferent, some lenders are going to look at you and say, I don't know if you're the kind of person I want to give money to. All right. So that I think that that's excellent advice, especially for new investors getting into this business.

42:32Brandon Turner:Secondly, when should an investor engage a loan officer in their real estate investment process? Should they do it right away from the beginning so that they understand what they can afford to buy? Or should they wait until they get a little further down the road in their looking for a deal throughout process? I think you should engage any loan officer and any team member when you have these three things. Credit, capital, and capacity.

43:05Let me repeat that. Credit, capital, capacity. Okay? Credit, number one, if you got a 550 credit score, 520 credit score, look, fix your credit. There's a reason you got a 520 or 550, right? Even if somebody can give you a loan at a 520, 550, look, fix your credit.

43:24Brandon Turner:The rate's going to be astronomical. You don't want that. Like, your deal's going to be terrible, right? And you're not going to probably cash flow. And if somebody's lending you at that type of low credit score, there's something wrong. Right. So my first thing is fix your credit, fix your utilization. I mean, get it together. Get over 620 at least. Right. Before you want to start doing that, because if you can't pay your Verizon cell phone bill, what makes you think a bank want to give you 300, 400, 100 thousand dollars if you can't handle a 200 dollar cell phone bill? That's number one. So get your credit right.

43:58Capital. Capital is extremely important in my opinion Whether it's your capital or somebody else's capital Right You need to have some sort of capital Or access to capital Because if you have no money You cannot I don't care what no one tells you Yes There's plenty of content out there That will tell you how to buy real estate with no money No money out of pocket Hell you even got loans like VA NACA where you can do 100 % financing and stuff like that But nobody should be buying real estate with no money Because anything can happen and tenants are not guaranteed to pay you, things break. And if you live in a cold climate state like Tri-State, no matter where you live this winter, this winter everywhere was cold, right?

44:39It doesn't matter. Global warming is real, right? Things break. And I don't care if the house is$100 ,000 or a million dollars. The pipes and the plumbing and electrical cost the same on a$100 ,000 house as it does on a million dollar house, right? The mechanics are crazy.

44:54Brandon Turner:MG, I tell people all the time, You can absolutely, absolutely purchase real estate with little to none of your own money, but you cannot own real estate with no money. Exactly. It's a difference. It's a difference. Because even if you buy a deal 100 % financed 30 days after you close, they're going to want that mortgage payment. If something breaks - They want that mortgage payment. And you got to fix it. Absolutely. Especially if you got a tenant. The tenants don't want to hear, oh, I got to wait a week till you get paid again? Right. No. I'm calling the town on you. I'm reporting you. And I want this fixed.

45:34And I'm not going to pay you no rent. You'll be on the news when they send the mayor a letter. That's what I'm saying, bro. So the capital is extremely important. Too many people buy real estate without having no money, no reserves. They're not planning for CapEx. It's so many mistakes that people are making. And that goes to the third thing is the capacity, right? You got to have a mental capacity for this. You got to have the capacity to me is the number one most important thing, right? Because you can have credit. You can have capital. But if you don't have the capacity, meaning you're not mature enough to handle real estate, you're not disciplined enough to handle real estate.

46:11You don't have the resources that are in place to make certain things happen for you within this real estate space, right? That capacity, that mindset, if you don't have that, all these other things can fail. How many times do we see businesses fail? People got money. They got credit, but businesses still fail because along the leadership might have failed and ran that business. We've seen too many stories of leadership failures, and this is why businesses fail, too. It's the same thing in real estate. So the triple C to me, credit, capital, capacity, are the three most important things that you need to have in place.

46:49before you're trying to buy some real estate.

46:51Brandon Turner:Matt said, do not call him until you've got the three C's. No. No. No, triple C's in order. Right? So, like, if you got capacity, your credit might be$600, and you got a couple dollars, but you might have access to some capital, meaning retirement funds, or you got a partner, something like that. Okay, we can work together. But that capacity is there because you've been studying. Yep. Right? Like, you've been building. So too many people want to build a house and start with the roof, Henry. Like you got to start with the foundation, the foundation. You got to you got to excavate, bro. Excavate your life.

47:29Right.

47:29Brandon Turner:You got to put the footings in. Then you got to pull the concrete. Absolutely. If you start with the roof first and your foundation is a roof and that is not a solid thing to build on. That's not a solid thing, brother. It's going to come crumbling down. I haven't I haven't heard it put that way before in terms of capacity. I think people say mindset all the time and that plays into this too. But I love the term capacity because real estate is not a get rich quick, but it is a get rich for sure. As long as you stay in this business and you're not forced out, right? Forced out because the market shifts and you weren't prepared.

48:04Brandon Turner:Forced out because you bought a terrible deal and you can't afford to keep the mortgage payment and you've got to give it back. But if you're not forced out and you can stay in the game because you bought decent deals, because you had cash reserves to cover you when times are bad, because you're able to pivot a strategy and keep a property when things shift, right? All of that is what capacity means. You got to have the capacity to endure through these ups and downs because 2008 was bad. And what do we know about real estate? At some point, it's going to get bad again. Some people think it's bad now.

48:37Brandon Turner:And they're right. It's not great right now. But what that tells me is great's around the corner. Real estate's a cycle. And so if you've got the capacity to stay in the game, you're pretty much guaranteeing at some point you're going to be able to build wealth for yourself and for your family. That's a pretty good thing to have, but you got to be able to stay in the game. And people don't realize like real estate is great. Like people see the big paydays. I flipped the house. I made 50. I made 60. I made 70 grand. I bought a rental property. I got$100 ,000 of equity and I cash flow$500 a month.

49:10Brandon Turner:Yeah, all of that's great. You don't hear how much pain they had to endure before they got to that win. How many deals fell apart? How many lenders told them to kick rocks? How many times they had to fix something that might've seemed catastrophic and they killed all their cash flow for the year, right? You don't hear it. Like there's so many downs in this business. The ups are great. They're big. They're awesome. But you got to get there. And it's going to take that capacity, man. I like the way you put that. You know what I tell everybody, Henry? Welcome to the dark side. Because real estate is the dark side, baby.

49:44And I love it here. The good, the bad, and the ugly of this business, it's incredible. You got to understand, there's going to be good, there's going to be bad, and there's going to be ugly. But it's always going to go back to good. Right. And then it might go back to bad and it might be ugly, but then it'll go back to good. Right. Right. So this is the dark side. Like any way you slice the bread, like you can make millions of dollars or you can lose your shirt. Yep. Right. This is the dark side. And you have to be prepared to understand and set your expectations right. You have to set the expectations that you have for yourself, what your capacity is.

50:22And don't over, don't, my God, please don't bite off more you can chew. Yep. Right. It is not, and I'm going to say this and I'm going to be honest with everybody. To me, it is not that important to sit here and stress your life out having so much debt, stressing out over paying this bill and paying that bill. Nothing in life is worth the stress, in my opinion. I don't care how much money you can make for it. I want to live a long, healthy life, stress-free. And if that means you don't buy seven properties a year, then don't do it. You don't need to buy You don't need a hundred dollars You don't need two hundred dollars You don't need a thousand dollars Right And I think many people Especially the younger kids They go and say Oh I want to be Do what this person is doing No you don't need that Right Right You need to put yourself Into a point to where You can handle what you can handle You can live a good life And you can have great balance Right You hear a lot of people Successful people say It's not a lot of good balance They don't have balance Right It's because they chose that life They're choosing that

51:24Brandon Turner:Yes I don't choose that for me. And I used to think, oh, I can't have it all. No, I can't have it all because it's on how I'm designing my life. So if I want to have great family time and great time with my fiance and still have great business time, then I'm going to find a way to do everything. Because you know what? I lived a life where I was just so focused on, I got to get money. I got to get this. I got to get that. But my quality of life with my family was terrible. And honestly, that ain't rich. I don't care how much money in your bank account. That ain't rich. So if you're getting into this business, just understand you don't have to go balls to the wall.

52:02I love real estate and I'm always going to be involved in the real estate deal, whether I'm a hundred percent owner, 50 % owner, 25 % owner. But I do also understand I can make money in other things too. I don't necessarily need to go out here and buy a thousand properties. I can buy two properties a year and invest into the market and still make a lot of money. I can invest into this business and still make a lot of money and still be happy to where I'm not sitting here having to micromanage every single thing. And now I have no time for myself, right? Self-preservation and taking care of myself.

52:35And that's probably the, in my 23 years in this business, Henry, that's probably the most important thing I've learned over the past year is self-preservation is the number one rule of nature. If you are not happy within yourself, if you don't feel happy just waking up, just forget how much money you have or how many properties you have or what business is going on. If you're just not genuinely happy, because a lot of these people are miserable out here. I don't care what the luxury stuff they're showing you guys. I don't care what it is. I speak to people on a personal level that are miserable right now.

53:08And when you look at their socials, they look like they're the happiest people in the world. But behind the scenes, they are miserable. They are hurting. They don't got no family. They got bad relationships with their kids, with their significant others. They're going through divorces. There's a lot of people that are unhappy because they chose to prioritize making millions of dollars before taking care of themselves first. And to me, being rich is not just about financial success. It's about being rich within, being rich within your family, and then everything will fall into place. So that's just me personally.

53:41I had to learn that. I'm 47, I'll be 48 this year, bro. And I have to learn that. I'm happy that I'm learning it now in my 40s than in my 70s when it's over. You know what I'm saying? In my 80s when it's over. So if there's one thing that anybody from the Bigger Pocket audience can learn from me during this episode is you got to be happy within yourself, bro. And I want to say this too. I'm sorry. I'm kind of going on a rant, but I have to say this, Henry. You say what you got to say, my man. Enjoy your progress.

54:10Brandon Turner:Amen. man. Enjoy your progress. You might not be where you want to be, but you're not where you just came from. Right. We all have to stop looking at, damn, this wasn't good enough. Oh, I didn't make this much money. But two years ago, five years ago, you wasn't even in this game. Right. If you look at just 10 years, if I go back to 2016, bro, I was trying to figure it all out. You know what I'm saying? I'm thinking, I'm like trying to get realtors, give me business and third. Now, sometimes you get to a point like, Like, man, I only closed this many deals this month. Or I only spoke at this many events.

54:45Or I only made this amount of money. And you looking down at that when people pray for the problems that we have today.

54:51Brandon Turner:Yes, fact. Absolutely. People literally pray for the problems that we have. And we look down on that sometimes. And we're not taking the time to smell our own roses. I had to learn that the hard way. But I had to learn, and I'm glad I learned these lessons. Because now, it doesn't matter where I'm at right now. I'm enjoying all the blessings that are coming my way. And when I see things are not moving where I think they should, I just look back where I came from. And I'm saying, you know what? I'm still further. Slow motion is better than no motion. I'm in great position. So I hope they learn something from that more than anything we spoke about because I think too many times, especially the younger generation, we're looking at these phones.

55:31We're comparing ourselves to this person, that person, this person. And me, I have a 21-year-old, a 19-year-old. I try to tell them this all the time too. Focus on your own growth. Walk in your own greatness. Don't worry about the world. Your time is going to be your time when God says it's your time. And I want everybody to understand the same thing. It's your time when it's your time. But if you continue to move forward, understand slow motion is better than no motion. And that consistency will build up and you'll look back two years. Because time goes like that. That's right. Two years, three years, five years.

56:03you'll look back like, damn, I got a million dollars. I got five properties. Whoa, I'm actually pretty good, right? So understand that, man. Enjoy your progress.

56:15Brandon Turner:MG, man. This has been a blessing, man. It's been great for me. I've learned a lot just sitting here listening to you and talking with you. So I know it's of great value to our audience. We appreciate you coming on the show and sharing your experience. Look, Henry, man, thank you, man. I'm super proud of you, man. Your growth has been incredible to watch over the past couple of years as well. Shout out to you, man. You're doing an amazing job on the platform and well-deserved, man. Well-deserved, man. So give it up. Give it up for you, Henry. You know what I'm saying? Y 'all throw some gems in the comment for my brother, Henry Washington.

56:46He's definitely the real deal. But again, I appreciate the opportunity just to be able to be on this platform and being able to share some words with the audience. Thank you.

56:56Brandon Turner:All right, MG, one last thing before we get out of here. Where can people connect with you? Yeah, man. You guys can reach me on all platforms. MG the Mortgage Guy. I spend a lot of time over here on YouTube. So catch me on the MG the Mortgage Guy. Instagram, TikTok, YouTube, Facebook, all platforms. And if you want to apply for a loan or anything like that, just the link is in my bio. You can send me a DM and let's close some deals together. Let's grow. All right, my man. Thank you so much, everybody, for listening. I hope you got great value from this episode, and we'll see you on the next episode of the BiggerPockets podcast.

57:30Brandon Turner:Peace. Thank you all for listening to the BiggerPockets Real Estate Podcast. Make sure you get all our new episodes by subscribing on YouTube, Apple, Spotify, or any other podcast platform. Our new episodes come out Monday, Wednesday, and Friday. I'm the host and executive producer of the show, Dave Meyer. The show is produced by Ian Kay, copywriting is by Calico Content, And editing is by Exodus Media. If you'd like to learn more about real estate investing or to sign up for our free newsletter, please visit www.biggerpockets.com. The content of this podcast is for informational purposes only.

58:02All host and participant opinions are their own. Investment in any asset, real estate included, involves risk. So use your best judgment and consult with qualified advisors before investing. You should only risk capital you can afford to lose. And remember, past performance is not indicative of future results. BiggerPockets LLC disclaims all liability for direct, indirect, consequential, or other damages arising from a reliance on information presented in this podcast. Some follow the noise. Bloomberg follows the money. Because behind every headline is a bottom line. Whether it's the funds fueling AI or crypto's trillion dollar swings, there's a money side to every story.

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