To be a husband and a father, good professional practice owner, Steve had tremendous success in working out multifamily. While performing in the military, Steve received the number of different awards...
Steve explained the successes in doing multifamily projects by how to determine on deals, how to find a property manager that is taking on the assets that build your portfolio and managed rehab instead of doing slip.
Everything has an amount of risk, but it’s important to identify what to seek in an investment deal.
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To your success!
To be a husband and a father, good professional practice owner, Steve had tremendous success in working out multifamily. While performing in the military, Steve received the number of different awards...
Steve explained the successes in doing multifamily projects by how to determine on deals, how to find a property manager that is taking on the assets that build your portfolio and managed rehab instead of doing slip.
Everything has an amount of risk, but it’s important to identify what to seek in an investment deal.
LISTEN ON:
ITUNES: https://itunes.apple.com/ca/podcast/a...
Stitcher: https://www.stitcher.com/podcast/scar...
Android: https://play.google.com/music/listen?...
Website:
https://appraisersecrets.com/
Leave your comment and let us know what other topics you'd like to hear MJ cover.
To your success!
You always need to make sure that the flipper is making more than you as a lender. Um, because per hour, the lender makes the most, but know net, the slipper makes more, they should make more. It's a lot of work. Um, but whenever that equation flips where the lenders make it more than the, um, flipper,, that's not a deal that you want to do.
Speaker 2:You were listening to the secrets podcast with your host, Mark Jackson. You'll get straightforward advice for how to make a profit on every new transaction that you do, compounding your net worth and grown your wealth substantially all through real estate. Get more information@apraisersecrets.com
Speaker 1:yeah.Loo
Speaker 3:Hey everybody. Welcome to the appraiser secrets podcast powered by investor cops. My name is Mark Jackson. He call me and Jake, great to have you with us for this next episode out. Very special guests, Dr Steven Hatcher. Steven, how are you today, ma'am?
Speaker 1:Hey, Jay. Ain't doing today.
Speaker 3:Good. Good. Good man. Thanks so much for taking your time out of your schedule to be with us. Without a doubt. I know you've got a lot of great information to share. We want to just welcome you here to this episode., one of the things that we really focused on at a praiser secrets survived investor comps is this idea that you want to make sure that you do and acquire property at the right value and that, the after repair advice and you can always make a profit. What you buy. Real excited to have Steve with us because these had a measure of success going from professional practice, which he's still in professional practice but also adding some significant real estate to his portfolio and his business activity. And I know for a fact you're going to enjoy hearing the things he has to share. So, um, continue to subscribe, come and be part of our community as we can to do to share videos, podcasts and our live events as well. And let's just get into it. Steve, you've, we, we've known each other for a couple of years now. We still have yet to get that a round of golf. And I know we've got some dates, we've pets it on the schedule this year so we can uh, make my, I can make my way over to Greensboro. We can get on the links. Um, one of our, both of our passions, uh, whether it's getting our clubs refitted or getting a new set of clubs are getting on some really unique and special courses. But let me share with folks is a little bit about you without a doubt. One of the things I admire most is that you are a veteran having done military service after going to college and uh, getting your dental degree wound up serving in the military and actually Rick getting a number of different distinctions while doing that. But also in, in terms of being a husband and a father and good professional practice owner. You also had some really great successes in doing multifamily, but also while serving in the military received the number of different awards. And folks, this is important even in school, Steve, uh, successfully was able to walk to achieve status on the Dean's list. Get Unc Chapel Hill was commissioned a captain in the U s army. Uh, also received recognition, has scholarship or is us army health professional, then earn two army commendation medals while serving and the army achievement medal to go along with that. But then guiding the practice was looking at what are we, what are our plans ahead and therefore started working with multifamily, gotten a bout some, some syndications and also has a really great business partner. Uh, Joseph Gasman who's helped him do a, uh, acquisition of a collaboration deal in the Lubbock, Texas market, which has been very successful. Steve also involved is involved in doing some angel investing with a short, with a starter companies and even including a laser entity. So without a doubt, got your hands in. A number of things, have been diligent in your education and your service to the country and to your clients and patients, but also you invest in partners as well. Again, Steve, thank you so very much for being here. If you would. Um, I realize there's probably a really unique background and share in terms of how you came to dentistry. So share a little bit about that and then how you wound up started doing real estate. Why did that become part of your, your background, your role, your endeavors as compared to just staying in professional practice? Thank you mark. And thank to be here. You should ask that question because I was journaling. I Journal every day and, when I was journaling another day, I realized why I went into dentistry. Yes, my father was, uh, most of my pants. I had very humble beginnings. Both my parents were blue collar, ain't worked a lot in the factory. My Dad were doubles on Saturday and Sunday. So work in Sunday,, 16 hour shifts instead of time and a half yet paint double. And he's a man of Pant Academy. So he put a lot of emphasis on providing well for a lot of weight and memories. And he's my hero. He's a great father figure. But one of the things that was lacking was timeless with family. So I knew when I grew up, I wanted to choose a profession and education was
Speaker 1:really important in our family. I wanted to choose a profession that would allow me to have free time, did have a family, to be able to do, um, nice things with the family and create lasting memories, um, with the family. Um, that's sorta how I got, um, into and to dentistry. But he also was successful real estate investor. He had,, at one point up to 20 single families,, at one point. And, um, I remember, mmm,, when tenants would move out and there was cap x and that sort of thing, like how was the campus,, my brother and I, and we'd go to the house and we have to,, we have to fix things up and,, doing the yard and paint, then all roofs and that sort of thing. Um, but, uh,, early age I realized,, when you have, um,, the single house, one single tenant, one tenant moves out and then there's no one paying the lower, paying the mortgage for you. So then I always kind of knew that,, some someday I didn't know how, but someday I knew I wanted to have my hands in some type of commercial, um, some something of commercial property.
Speaker 3:There you go. So what was that first though? Did you jump in and say, I'm going to just work with someone and let them guide me? Or did you actually decide that, look, I want to get some education about this first and then go, what was your path to getting involved in doing both the fam?
Speaker 1:Well,, my, I remember the one of the first books I read, I think every real estate investor reads is called the Purple Book, Rich Dad, poor dad and all the concepts,, is it, that makes sense. That makes sense., meeting, um, most people that are um, dentist or doctors, um, yeah, think there. MMM., they own their own business, but really their business owns them. Um, but, it was really, I just got lucky. My, one of my patients is a, is a developer after the crash and, he was doing the project and um,, doing development is the ultimate value add when you and value to dirt. But um,, we put some,, thoughts of money together and syndication, which is a group of investors. No, it was stabilized a couple of years later after it was built and permitting and all that kind of stuff and, 90 plus percent accuracy. Then, uh, we got to refinance. So we got,, no close to half of our capital back, original capital back tax free. And then I just kept rolling that money, recycling that money over and over into other projects. I looked up and I was like, wow, I don't know. Small percentages of several,, multimillion dollar deals. And it was just all, a lot of it was from, recycling, recycling them money.
Speaker 3:No, it sounds like if I can go this way in Rich Dad, poor dad is a great book for those that are listening to this podcast, certainly you can affirm the same. And for those that maybe haven't been introduced to it, go grab a coffee. Whether you get a hard copy order through Amazon, had to come to the door or whether you get it on audible is a great foundational book to help you Guide through processes, the thought processes that go along with the building and understanding the different screen rich that and the poor dad is really, uh, a unique story and he lays out some principles to operate from. So if I, if I, I'm going to ask you a question. When you think about reading that book and the path that is
Speaker 1:okay,
Speaker 3:he'd been journaling as well so that this man would come up, but what was the, the chapter or the phrasing or just a concept that really set you on the path? Hey, I know that I needed to do real estate and do it at a level where I'm not just doing it one time, but repeating what was, what was that chapter or, or thought that you got out of Rich Dad, poor dad that set you on your way?
Speaker 1:I remember there was a story when, um, he was talking about,, living a conservative, um, lifestyle and your home being, um, a liability, your personal home being alive ability and not an asset, having other, um, rental houses or multifamilies pay for, um,, they need the co the home that you live in and know that kind of,, that kind of makes,, makes it a lot of sense. And I used to get into arguments, philosophical arguments with my dad because he would always say at home is an asset. And, I would,, I would read the read the book cause I know that's really,, really a liability. MMM. So, um, that really, that really kind of struck me. Yeah, that makes a lot of sense.
Speaker 3:It does just say there's a new piece of equipment or no can break it. You don't want to have to look at how much income do I have to earn and save up to go to a trip. Let those other assets produce the income for you to be able to go and do some of the things that are more enjoyable life, um, as compared to,, what a hard assets would have to, how many hours do I have to put in to be able to go take that vacation. It's a different way to think about it. But let me ask this. Do you, because you took a very unique path of transitioning your folks into the retirement of, share a little bit about what you were able to do with your real estate activity that was allow you to be a significant blessing to mom and dad.
Speaker 1:Well,, mom is very, very risk averse,, over time. Um, yeah, the stock market goes up and down, up and down, and you really don't have any control over the stock market and you just, you just don't, you just don't know. And, this,, they had a considerable amount of savings in their, in their, um, Iras.
Speaker 3:Yeah.
Speaker 1:And, um, unfortunately my dad ended up, uh, he's got pretty, pretty bad dementia. Okay. Um,, so I'm end up taking over for my parents. I'm their financial affairs. Mom's like, son, I just don't want,, to take,, a lot of risk., I don't need no super big returns. I just, I just need, um, I just want safe returns and everything that I've learned and everything. I know, I was like, okay,, so I rolled, took their money out of the talk Mark Casino, a self directed IRA and did lending. MMM. With it,, generating,, conservatively,, eight to 10% and that's going to meet their goals,, for them. And it's secure and insured first position,, mainly working class, um, homes where,, your margin of safety. If you ever had to take the home back, uh,, you could rent it out and he had the lenders always in the best position. Um, so that's pretty gratifying. So what I, enough income is generated out of their Iras monthly. Um, my mom still hold knob, but when the time does come for him to go into a memory unit,, generating enough, it's not going to affect their lifestyle one bit and there'll be a good, he'll be able to go to mind,, into a memory care.
Speaker 3:I think that's just really unique. No. Have we gotten the education that you did? And some of it started obviously with, with your dad and the rental properties and helping your brother being that cap backs. So there wasn't, other than materials, there wasn't a whole lot of labor costs to keep those things going. But seeing the dynamics between having one door and one tenant and have one door, one roof with 50 or a hundred tenants and what that's been for you. You talked a little bit about syndication, you talk a little bit about private lending. Okay. And so I wanted, I want to delve into those just a little bit more and we'll stick with the private lending side because those are going to be deal was that,, again, uh, don't take a whole lot of my, we're not talking about being his dog proud,, tens of thousands or maybe a hundred thousand dollars doing some of that private lending. When you're engaged with someone, um, that's your maybe go do some private lending with what are things if you're going to just share with everybody so they have the one or two or three things that really makes a difference for them if they're going to do some lending, if they've got,, a little bit of money in a self directed IRA or, they just started going up 10 or$20,000 in savings just getting started. What are the things that you look for that are reporting to you when you decide that I'm actually going to do some lending with, uh, with an entity or with an individual? Would a kitchen me what, what are those things that drive your decision? Process
Speaker 1:of the most important things is the borrower and the market where it is in the market.
Speaker 3:Okay.
Speaker 1:I really shy away from California zero interest in, um, in California. Okay. In general, um, being,, boring markets. MMM. In general, you're like your sweater, your red sweater,, red states are usually a little more business friendly than the blue states. Um, but, and working class things so that if something bad were to happen that,, you could rented out at roughly 1% of after repair value if you,, if you had to, you had, um, never had to,, take back a property and don't intend to, but, those are things, those are the things that, that you want to look at. Um, it was like, okay, well,, after this rehab,, you always got to look at your,, your outs and you margin and safety. Um,, what if the market corrects,, so I can, uh,, if the a$150,000 house, um, as the market goes down and they get sell it for 150[inaudible] um, and,, you could probably rent,, read something like that for 12 or$1,300, um, and hold you over until, um,, the,, the market looked better. Look at margin of safety.
Speaker 3:There you go. Thank you. For sure. That goes through those two dynamics, the borrower and then the marketing. And, and, as well as I do, we talk about the market is the ones that make sense for us. California is a dynamic market a number of different ways, but as for the operators and investors that know that market and know it very well, it's typically one of those where you really want to have boots on the ground or be there as compared to maybe do it it from a distance. Um, but here's the thing, when you talk about, and this is really the, for all the listeners, when we're talking about value, notice what Steve said. Um, when you're looking at a deal, especially one where you're going to be in it for less than the full market value, still won't know. Your lending amount is going to be no less than about one of the rent. So if you're in that property for$100,000, you want to know that you're bringing in about a thousand dollars a month rent or more. It is going to be the likely chase. So taking evaluation first approach, knowing how much the property's worth, what it was acquired for, how much you're going to be in it as a lender and then wasn't potential Algebra repaired value is, it's very important. But the other part of it, if you didn't hear Steve Clearly, I want it, I want to lay this out, is the house never knows how much it's worth. It just knows what it will rent for. So even when a market does make an adjustment and we've seen that, um, for some, for some of use that or are some of you that are on here, you may have seen one or two different markets shifts. Some of you may be looking for the first market shift that comes so you can get that experience under your, under your belt. But overwhelmingly these pieces of real estate, whether they're multifamily or single family or quads or duplex, medicare three, they rarely if ever have any idea okay what they're worth, they just know what they were renting for. And so when you're positioning yourself as a private lender, knowing the value of what those market rents are going to be are going to be the real key for any type of long term hold asset that all you're looking to do is for it to continue to produce income over time. So Steve, when you, you talk a little bit about red states. Okay. You talked about, market areas that really define it for you. Delve a little bit more into the bar world or the persons that you engage with. What are the things you look for in terms of the dialogue track or stuff like that that rounds out that other part of where you do your private lending?
Speaker 1:I like going going markets and some of them with a full, the full team,, from in marketing, marketing team for the lead generation,, Rehab. Yeah. The whole bit. And they need to be doing this for 11 for a living. And I don't want to, I want to deal with the fashion people, professionals. I don't like,, to deal with some dentist that,, watched HGTV and thinks that they can go do, go do a flip. Uh, because when you're a flipper, time is money,, so you gotta you gotta get that Property Rehab and I'm back on the market, um, quickly. Um, so that's, that's really, really key,, in, in my, in my criteria when I'm, yeah. When I'm looking at,
Speaker 3:the other thing I would add
Speaker 1:is that you always need to make
Speaker 3:sure that the flipper
Speaker 1:is making more than you as a lender. Um, because, per hour the lender makes the most, but, net the slipper
Speaker 3:makes more, they should make more. It's a lot of work.
Speaker 1:Um, but whenever that equation flips where the lenders make it more than the, um, flipper,, that's not a deal that you want to do.
Speaker 3:Very good point. That's, that's, that's a subgroup. Your point to make and especially from your perspective is what you're looking at outwardly or the deal is prepared to just what you're going to make and that's it. Very stupid. Your points. One of the things I enjoyed about, um, our days and the relationship we've had, you've always been this individually was willing to share thought process, a new book. Um, something that helped me are those, that you engage with it to expand and grow their mind. Let's talk a little bit about how you develop that mindset. Um, that is,, that that has a sense of abundance that is looking outwardly, rather inward. Talk about how we evolved into that. And if you don't mind.
Speaker 1:No, a lot of it was from, from my, uh, my business coach, which was bill Blatchford and e taught me how to run a practice better from standpoint. And so then that exposed me to strategic coach and Dan Sullivan and Lee Brower and, a lot of things on,, mindset., one of the things I learned, um, there's tons of things I learned, but we really have to be careful about your thoughts because in his, he can go back to the Bible. But
Speaker 3:yeah,
Speaker 1:no, you're either your thoughts lead to actions. There's these two behavior which leads to character. Everything starts with the,, the thought. And so I've read a lot of books,, Tony Robbins, um, and solving books. Um, Jim Roan,, just really us been a lot of time in, in self development,, five inches between my ears,, really trying to hone in on,, my mindset and how I think about things.
Speaker 3:Okay.
Speaker 1:Creative, creative abundance. I mean there's,, a lot of people mmm are nervous and they take that,, all the good deals,, but you can partner with people and, sometimes I'll introduce people to private lending that are a little nervous and I think it's great because it's done a lot of great things for our family. And I said, look, I'll um, partner with you on this deal and I'm just so you can see what it's like. Um, then, then I'll set you free,? And so we'll be on there how much you got., I'll just round it out,, to the note,, for, for the rest of it.
Speaker 3:Yeah.
Speaker 1:I'm just trying to bring more people into the
Speaker 3:enter this world. Exactly. That's a good way. And I love this year, um, in terms of mindset, this idea of thinking, having a coach, having a business coach is very, very, very, very important. It has done a significant amount for you, but even this idea of managing your thoughts, which drive your actions, which creates your character and behavior. I think I got those in the right order. Those are great shares for everybody that's listening and without a doubt you can see how that linear progression happened starting with the thoughts because that's one thing that you mentioned Bob Wall. I'll go ahead and say,, if we think about our higher power, we were only given one thing that we have control over. We don't have control over breathing and sleeping. And, when we get tired and we obviously we get hungry, there's nothing we have control over other than our thoughts. But it's the most significant thing that we could have controlled because we get to choose our actions. Okay. And again, that's always going to be what based on our thoughts was all, which means you always have to be careful protecting your eye gate and your ear gate. what's coming in, what we're hearing, what we're seeing, what we're reading. Um, so that we can frame up the life that we want to have rather than one that's imposed upon us. I heard a quote earlier today that was from Warren Buffet and we talk about what's happening with the economy and how we're going to position ourselves. We wouldn't be mindful that we're not the ones out spending money on the things that we want because we can use up our resources and then been a day where we have to sell the things that we wanted to get what we need, like Delta and food. And that's, that was Warren Buffet. I'm not quoting exactly, but that was the framework of what he shared and it's a thought process that we want to have as we go forward in life. And you've got this mindset down. Pat's the, uh, let's talk a little bit just as we go. We got a little bit more time here, but another 10 minutes or so. Um, I want to get into this idea of syndication. You've had the opportunity to get some education, gets it, was raining and participate in some of these syndications, but most recently you actually working with a partner and offered us indication of a multifamily. See a little bit about what that experience was like. Um, again, really dipping further out of a professional practice is still very, very successful. And the dentist world, but talking about this, we'll say walk us through what was that like to make the decision and get with someone that, okay, now I want to actually offer something as a syndication is committed to participating. Share that if you don't mind. The first thing I say is that most people, doctors or
Speaker 1:high income professionals, they make the mistake of thinking that, well, I want to do, they tell you kind of have been and I want to do what you're doing. I want to,, sponsors some deals and, the limited partners and the syndication, they get the lion's share. If you are in the right one, they get the lion's share of the deal and really what you're buying and the syndication of Emma in all large real estate deals, almost 99.9% of them are all syndicate, which just means a group of investors or pool pool their money together to, to, um, take over an asset. Now, most of us have have jobs and we have responsibilities. In our, in our day to day nine to five. So what you want isn't an operator who that's their there, that's their job,, and then they make it, they make a little bit of money,, off of,, off of the deal, but they're really there to um, manage,, get the property manager going and manage the Rehab because you're basically, instead of doing a slip will, the syndication that I've been at had been valuing multifamily, so it's like, instead of slipping one house, if you're doing a hundred units or flipping a hundred,, and it takes time. But it's, it's a project management, it's a big process, a lot of moving parts. But if you're in a dental practice or you're an accountant or, whatever your day job is, you don't have time to deal with that thing which you're buying in a syndication is you're leveraging someone else's time and you want them on there. And then my partner Joe, we've got,, close to 500 units, I think in, in Lubbock, Texas, over three, three or four properties. And so he's down there all the time,, and just making things happen. Some bad things happen that one day they were, there was a truck that was delivering shingles when they were redoing the roof and it,, cause some of the pipes to burst,, so do you want to be in your dental chair and said, hey, we want to do,, there's a pipe,, there's a waterline break,, and there, and so you're, you're buying someone else's time and you're leveraging and yet there's,, you can leverage things in life. You can leverage money and everyone understands that put in 20, 25% down and, getting bar,, barring rest or you can,, you can leverage other people. And that's the value in syndication is um, having someone else,,, do it. Actually this one, this one, this one guy I know threatening to, um, get him to buy his own 50 unit property cause he keeps saying, you can still say I want to do what you're doing now and what you're doing. So I'm going to give them a 50 unit property and he's worth about a thousand dollars an hour. And so he can,, deal with you see what it's like.
Speaker 3:It's a great war, Huh? What's that kind of your, what he's asked me before to see. Just kind of wake them up a little bit maybe. Yeah, exactly. That was too much. Well Steve, I think you for taking the time to break it down because literally even for those that are listening to this that use investor comps, actually I identify projects. What we want to do is even as a real estate investor, yes you want to be accurate in your business and then you want it to grow so that it actually functions on its own where you're kind of closer to the top of the trees and you have your team members, your contract, your property managers out there that are working on the assets that you build through your portfolio. But overwhelmingly even like myself, there's other deals that I would want to participate in that I don't have the knowledge, the expertise, the bandwidth to be involved in. So I find people like Steve, Steve says, Hey, I've got a syndication over here. These are the numbers on it based on your investment, what we expected value, uh, to grow based on our discounted acquisition and what you can expect in terms of your interest expense interfraternity as well as capital return over time. And when you've got someone that's like his partner Joe does out there in the field covering all the bases, you don't have to worry about taking your eyes off of your business. You just watch the mailbox money come in and watch more mailbox money come in and, and more mailbox when they come in. That's what this is really all about. But again, always use your investor cost reports so you can know either on single family, multi family or even those larger commercial projects. Didn't get a sense of how you're getting involved in that deal. Steve, this has been just a blessed time to care. She, I know we've touched on a number of different projects, a little bit about your walk your life, uh, being a professional practice and finding your way. Reading a book, a Kiyosaki. Richard Rich Dad, poor dad, kind of moving forward, participating in some, uh, projects, rolling those funds over, getting in additional projects and what that's meant for you over time. And then a parking up and actually offering, um, so ideal a syndication out there. So you've had this wonderful growth as we wrap up, what would be something that you would share? Just, um, words of wisdom, lesson learned, uh, through your path. That would be really a, a solid nugget for those that are listening today. Okay. One as we're tired along the way, it's really important. Don't, don't wait until you're trying to say, say, say this big pile of money and think that you're going to start traveling. Okay.
Speaker 1:So number one, I'd say retired along the way. Um, and the second one that I would say would be from the late Jim Rohn. Um, he said something like, work harder on yourself than you do in your job. You can make a fortune. So just always work hard on yourself.
Speaker 3:Could you back on that? Because actually what, I'm reading a book by Marshall Goldsmith right now and that's how the book is. What got you here won't get you there, which actually it goes back to Stephen Covey, Stephen Covey shared this concept of the thinking that got you in a certain situation. You can't use that same thinking to get out of a situation. You've got to have a different set ideas, different support network, different group. So overwhelmingly those things are really cool. Retire along the way. And that doesn't mean go dance on the retirement. They're just trying to create. You said that the man is that you wouldn't be able to dance a little bit with the focus on dancing a lot later on and overwhelming. That's a great share from Jim Rohn in terms of working harder on yourself than your business. Steve, I can't thank you enough. We didn't get a chance to mention your lovely bride, Sona and the joy of your life you do for daughters, Sophie, and just that she's becoming such a beautiful, uh, I won't quite say young lady quite yet, but she's growing, coming through her elementary years and is so bright and just a wonderful lady in terms of her smile. And then once she gets back to the world, truly you are blessed guy having got your lovely bride as Sophie to lighten up every day of your life.
Speaker 1:Absolutely, absolutely.
Speaker 3:Good stuff. Well, I know we covered some things at some point it would have to invite you back again so we can dig a little bit deeper. I hope you'll accept that invitation
Speaker 1:anytime.
Speaker 3:All right, everybody, thank you for being here or the appraisers secrets podcast powered by an investor comes without a doubt. Make sure you always make a profit when you by doing the best acquisition value and atrophy or value for a piece of real estate. Definitely subscribe. Like leave a comment is a topic you want us to cover the future. Please share that. We'll delve into it and uh, bringing on the guest or maybe we might even have you as a guest to expand all the topics that we can cover so we know that we're always focused on valuation and taking that valuation first approach to real estate. Other than that, God bless. Take your care of Steve. Thank you again. We'll see everybody again real soon.
Speaker 2:You've been listening to another episode of the appraiser secrets podcast with Mark Jackson, the place to be, to create your freedom lifestyle with more time off, security and peace of mind. Find out more@apleasersecrets.com.