{"version":"1.0.0","segments":[{"speaker":"Aubrie Gibbons","startTime":0.57,"endTime":2.97,"body":"As traditional"},{"speaker":"Aubrie Gibbons","startTime":0.57,"endTime":2.97,"body":"mortgages are currently"},{"speaker":"Aubrie Gibbons","startTime":2.97,"endTime":7.38,"body":"structured, you usually need to"},{"speaker":"Aubrie Gibbons","startTime":2.97,"endTime":7.38,"body":"use the home as collateral in"},{"speaker":"Aubrie Gibbons","startTime":7.38,"endTime":12.45,"body":"order to fund that. And with the"},{"speaker":"Aubrie Gibbons","startTime":7.38,"endTime":12.45,"body":"tiny homes you can drive off and"},{"speaker":"Aubrie Gibbons","startTime":12.45,"endTime":13.53,"body":"no one will find you."},{"speaker":"Ethan Waldman","startTime":16.54,"endTime":19.03,"body":"Welcome to the"},{"speaker":"Ethan Waldman","startTime":16.54,"endTime":19.03,"body":"Tiny House Lifestyle Podcast,"},{"speaker":"Ethan Waldman","startTime":19.09,"endTime":22.0,"body":"the show where you learn how to"},{"speaker":"Ethan Waldman","startTime":19.09,"endTime":22.0,"body":"plan, build and live the tiny"},{"speaker":"Ethan Waldman","startTime":22.0,"endTime":26.08,"body":"lifestyle. I'm your host, Ethan"},{"speaker":"Ethan Waldman","startTime":22.0,"endTime":26.08,"body":"Waldman, and this is episode 223"},{"speaker":"Ethan Waldman","startTime":26.11,"endTime":31.33,"body":"with Aubrie Gibbons. Figuring"},{"speaker":"Ethan Waldman","startTime":26.11,"endTime":31.33,"body":"out how to offer a traditional"},{"speaker":"Ethan Waldman","startTime":31.36,"endTime":35.62,"body":"30 year mortgage for a small or"},{"speaker":"Ethan Waldman","startTime":31.36,"endTime":35.62,"body":"tiny home has been one of the"},{"speaker":"Ethan Waldman","startTime":35.62,"endTime":39.61,"body":"toughest nuts to crack in the"},{"speaker":"Ethan Waldman","startTime":35.62,"endTime":39.61,"body":"tiny house industry. My guest"},{"speaker":"Ethan Waldman","startTime":39.61,"endTime":43.45,"body":"today, Aubrie Gibbons works for"},{"speaker":"Ethan Waldman","startTime":39.61,"endTime":43.45,"body":"Atlas Cottages, and they have"},{"speaker":"Ethan Waldman","startTime":43.45,"endTime":47.95,"body":"actually developed a modular,"},{"speaker":"Ethan Waldman","startTime":43.45,"endTime":47.95,"body":"small home or cottage as they"},{"speaker":"Ethan Waldman","startTime":47.95,"endTime":51.04,"body":"call it that can be"},{"speaker":"Ethan Waldman","startTime":47.95,"endTime":51.04,"body":"traditionally mortgaged. They"},{"speaker":"Ethan Waldman","startTime":51.04,"endTime":55.39,"body":"have a range of sizes and can"},{"speaker":"Ethan Waldman","startTime":51.04,"endTime":55.39,"body":"even help you roll in the cost"},{"speaker":"Ethan Waldman","startTime":55.39,"endTime":60.16,"body":"of the land purchase with the"},{"speaker":"Ethan Waldman","startTime":55.39,"endTime":60.16,"body":"mortgage for the small cottage."},{"speaker":"Ethan Waldman","startTime":60.73,"endTime":64.0,"body":"This is kind of a unique model"},{"speaker":"Ethan Waldman","startTime":60.73,"endTime":64.0,"body":"that I hadn't heard of before,"},{"speaker":"Ethan Waldman","startTime":64.0,"endTime":67.63,"body":"so I decided to have Aubrie on"},{"speaker":"Ethan Waldman","startTime":64.0,"endTime":67.63,"body":"the show to tell us all about"},{"speaker":"Ethan Waldman","startTime":67.63,"endTime":72.01,"body":"it. We will also dispel some"},{"speaker":"Ethan Waldman","startTime":67.63,"endTime":72.01,"body":"common myths about modular"},{"speaker":"Ethan Waldman","startTime":72.01,"endTime":75.97,"body":"building and what modular"},{"speaker":"Ethan Waldman","startTime":72.01,"endTime":75.97,"body":"building can and can't do. So I"},{"speaker":"Ethan Waldman","startTime":75.97,"endTime":76.78,"body":"hope you stick around."},{"speaker":"Ethan Waldman","startTime":77.98,"endTime":82.6,"body":"Calling all future tiny house"},{"speaker":"Ethan Waldman","startTime":77.98,"endTime":82.6,"body":"dwellers! I want to tell you"},{"speaker":"Ethan Waldman","startTime":82.63,"endTime":87.07,"body":"about something that I created a"},{"speaker":"Ethan Waldman","startTime":82.63,"endTime":87.07,"body":"few years ago that is the secret"},{"speaker":"Ethan Waldman","startTime":87.07,"endTime":91.66,"body":"sauce for so many of my readers"},{"speaker":"Ethan Waldman","startTime":87.07,"endTime":91.66,"body":"and listeners to get the"},{"speaker":"Ethan Waldman","startTime":91.66,"endTime":96.7,"body":"motivation and the support they"},{"speaker":"Ethan Waldman","startTime":91.66,"endTime":96.7,"body":"need to follow through on their"},{"speaker":"Ethan Waldman","startTime":96.7,"endTime":100.45,"body":"tiny house dreams. It's an"},{"speaker":"Ethan Waldman","startTime":96.7,"endTime":100.45,"body":"online community that I created"},{"speaker":"Ethan Waldman","startTime":100.45,"endTime":104.74,"body":"called Tiny House Engage. And"},{"speaker":"Ethan Waldman","startTime":100.45,"endTime":104.74,"body":"it's like a small private social"},{"speaker":"Ethan Waldman","startTime":104.74,"endTime":108.67,"body":"network with just tiny house"},{"speaker":"Ethan Waldman","startTime":104.74,"endTime":108.67,"body":"enthusiasts. So we've gotten"},{"speaker":"Ethan Waldman","startTime":108.67,"endTime":111.46,"body":"members who are just at the"},{"speaker":"Ethan Waldman","startTime":108.67,"endTime":111.46,"body":"beginning stages of their"},{"speaker":"Ethan Waldman","startTime":111.46,"endTime":114.37,"body":"journeys. We have members who"},{"speaker":"Ethan Waldman","startTime":111.46,"endTime":114.37,"body":"are currently building or"},{"speaker":"Ethan Waldman","startTime":114.37,"endTime":117.13,"body":"working with a builder for their"},{"speaker":"Ethan Waldman","startTime":114.37,"endTime":117.13,"body":"tiny house. And then we have"},{"speaker":"Ethan Waldman","startTime":117.13,"endTime":121.0,"body":"many members who are already"},{"speaker":"Ethan Waldman","startTime":117.13,"endTime":121.0,"body":"living tiny, sharing advice and"},{"speaker":"Ethan Waldman","startTime":121.0,"endTime":125.56,"body":"experiences with you. Tiny House"},{"speaker":"Ethan Waldman","startTime":121.0,"endTime":125.56,"body":"Engage is a pretty unique place"},{"speaker":"Ethan Waldman","startTime":125.56,"endTime":129.79,"body":"online. I love hanging out"},{"speaker":"Ethan Waldman","startTime":125.56,"endTime":129.79,"body":"there. I actually do monthly"},{"speaker":"Ethan Waldman","startTime":130.0,"endTime":133.18,"body":"office hours where you can"},{"speaker":"Ethan Waldman","startTime":130.0,"endTime":133.18,"body":"interact with me, ask me"},{"speaker":"Ethan Waldman","startTime":133.18,"endTime":136.9,"body":"questions and more. Right now"},{"speaker":"Ethan Waldman","startTime":133.18,"endTime":136.9,"body":"Tiny House Engage is actually"},{"speaker":"Ethan Waldman","startTime":136.9,"endTime":140.5,"body":"open for registration. It's not"},{"speaker":"Ethan Waldman","startTime":136.9,"endTime":140.5,"body":"open for registration all of the"},{"speaker":"Ethan Waldman","startTime":140.5,"endTime":144.73,"body":"time. I like to keep it closed"},{"speaker":"Ethan Waldman","startTime":140.5,"endTime":144.73,"body":"so that it kind of keeps that"},{"speaker":"Ethan Waldman","startTime":144.73,"endTime":149.35,"body":"close knit, familiar feeling."},{"speaker":"Ethan Waldman","startTime":144.73,"endTime":149.35,"body":"Tiny House Engage is open right"},{"speaker":"Ethan Waldman","startTime":149.35,"endTime":153.19,"body":"now through the weekend and I"},{"speaker":"Ethan Waldman","startTime":149.35,"endTime":153.19,"body":"would love for you to join. You"},{"speaker":"Ethan Waldman","startTime":153.19,"endTime":156.82,"body":"can learn more about Tiny House"},{"speaker":"Ethan Waldman","startTime":153.19,"endTime":156.82,"body":"Engage and get a $1 trial to the"},{"speaker":"Ethan Waldman","startTime":156.82,"endTime":161.11,"body":"community at"},{"speaker":"Ethan Waldman","startTime":156.82,"endTime":161.11,"body":"thetinyhouse.net/engage. Again,"},{"speaker":"Ethan Waldman","startTime":161.11,"endTime":164.53,"body":"that's over at"},{"speaker":"Ethan Waldman","startTime":161.11,"endTime":164.53,"body":"thetinyhouse.net/engage. You can"},{"speaker":"Ethan Waldman","startTime":164.53,"endTime":168.1,"body":"try it out for just $1 to see if"},{"speaker":"Ethan Waldman","startTime":164.53,"endTime":168.1,"body":"Tiny House Engage is right for"},{"speaker":"Ethan Waldman","startTime":168.1,"endTime":172.33,"body":"you. But if you are truly hoping"},{"speaker":"Ethan Waldman","startTime":168.1,"endTime":172.33,"body":"to or currently planning or"},{"speaker":"Ethan Waldman","startTime":172.33,"endTime":175.03,"body":"building a tiny house, I know"},{"speaker":"Ethan Waldman","startTime":172.33,"endTime":175.03,"body":"that you're going to love Tiny"},{"speaker":"Ethan Waldman","startTime":175.03,"endTime":177.79,"body":"House Engage. I look forward to"},{"speaker":"Ethan Waldman","startTime":175.03,"endTime":177.79,"body":"meeting you in there. Again."},{"speaker":"Ethan Waldman","startTime":177.79,"endTime":179.92,"body":"That's thetinyhouse.net/engage."},{"speaker":"Ethan Waldman","startTime":194.47,"endTime":198.94,"body":"All right, I am here with Aubrie"},{"speaker":"Ethan Waldman","startTime":194.47,"endTime":198.94,"body":"Gibbons. As communications"},{"speaker":"Ethan Waldman","startTime":198.94,"endTime":203.26,"body":"manager for the Atlas Group Ltd,"},{"speaker":"Ethan Waldman","startTime":198.94,"endTime":203.26,"body":"Aubrie utilizes over six years"},{"speaker":"Ethan Waldman","startTime":203.29,"endTime":206.26,"body":"of experience in data entry,"},{"speaker":"Ethan Waldman","startTime":203.29,"endTime":206.26,"body":"customer service, real estate,"},{"speaker":"Ethan Waldman","startTime":206.26,"endTime":209.47,"body":"and marketing roles to support"},{"speaker":"Ethan Waldman","startTime":206.26,"endTime":209.47,"body":"the team and its goals. She is"},{"speaker":"Ethan Waldman","startTime":209.47,"endTime":212.86,"body":"uniquely positioned to share the"},{"speaker":"Ethan Waldman","startTime":209.47,"endTime":212.86,"body":"vision of Atlas Cottage Homes."},{"speaker":"Ethan Waldman","startTime":213.16,"endTime":214.39,"body":"Aubrie, welcome to the show."},{"speaker":"Aubrie Gibbons","startTime":214.99,"endTime":216.91,"body":"Hi, Ethan. It's"},{"speaker":"Aubrie Gibbons","startTime":214.99,"endTime":216.91,"body":"so great to be here."},{"speaker":"Ethan Waldman","startTime":217.51,"endTime":220.33,"body":"Yeah, thanks for"},{"speaker":"Ethan Waldman","startTime":217.51,"endTime":220.33,"body":"coming on. You know, I don't"},{"speaker":"Ethan Waldman","startTime":220.36,"endTime":225.85,"body":"always just let tiny home"},{"speaker":"Ethan Waldman","startTime":220.36,"endTime":225.85,"body":"companies onto the show because"},{"speaker":"Ethan Waldman","startTime":225.85,"endTime":229.69,"body":"it's kind of like free"},{"speaker":"Ethan Waldman","startTime":225.85,"endTime":229.69,"body":"advertising. And I kind of look"},{"speaker":"Ethan Waldman","startTime":229.69,"endTime":233.89,"body":"for companies that are doing"},{"speaker":"Ethan Waldman","startTime":229.69,"endTime":233.89,"body":"things that are a little bit"},{"speaker":"Ethan Waldman","startTime":233.89,"endTime":237.85,"body":"different or a new perspective"},{"speaker":"Ethan Waldman","startTime":233.89,"endTime":237.85,"body":"to offer my listeners. And so"},{"speaker":"Ethan Waldman","startTime":238.09,"endTime":242.14,"body":"when I got an email from you"},{"speaker":"Ethan Waldman","startTime":238.09,"endTime":242.14,"body":"talking about how Atlas Cottage"},{"speaker":"Ethan Waldman","startTime":242.14,"endTime":245.26,"body":"Homes are able to be"},{"speaker":"Ethan Waldman","startTime":242.14,"endTime":245.26,"body":"traditionally mortgaged and that"},{"speaker":"Ethan Waldman","startTime":245.26,"endTime":248.02,"body":"you you know, you could come on"},{"speaker":"Ethan Waldman","startTime":245.26,"endTime":248.02,"body":"the show to talk about how that"},{"speaker":"Ethan Waldman","startTime":248.02,"endTime":253.81,"body":"works and why or how and why"},{"speaker":"Ethan Waldman","startTime":248.02,"endTime":253.81,"body":"that works. I thought that would"},{"speaker":"Ethan Waldman","startTime":253.81,"endTime":256.51,"body":"be a cool thing to bring to the"},{"speaker":"Ethan Waldman","startTime":253.81,"endTime":256.51,"body":"listeners of Tiny House"},{"speaker":"Ethan Waldman","startTime":256.51,"endTime":260.65,"body":"Lifestyle Podcast. So before we"},{"speaker":"Ethan Waldman","startTime":256.51,"endTime":260.65,"body":"get to that though, could you"},{"speaker":"Ethan Waldman","startTime":260.65,"endTime":263.68,"body":"just tell us a little bit more"},{"speaker":"Ethan Waldman","startTime":260.65,"endTime":263.68,"body":"about yourself how you got"},{"speaker":"Ethan Waldman","startTime":263.68,"endTime":266.92,"body":"started working with with tiny"},{"speaker":"Ethan Waldman","startTime":263.68,"endTime":266.92,"body":"homes, tiny cottages?"},{"speaker":"Aubrie Gibbons","startTime":268.09,"endTime":271.81,"body":"So I actually"},{"speaker":"Aubrie Gibbons","startTime":268.09,"endTime":271.81,"body":"got into the tiny living"},{"speaker":"Aubrie Gibbons","startTime":272.41,"endTime":277.42,"body":"universe from camping when I was"},{"speaker":"Aubrie Gibbons","startTime":272.41,"endTime":277.42,"body":"younger with my parents. I think"},{"speaker":"Aubrie Gibbons","startTime":277.45,"endTime":281.5,"body":"a lot of the tiny home community"},{"speaker":"Aubrie Gibbons","startTime":277.45,"endTime":281.5,"body":"kind of gets started through RV"},{"speaker":"Aubrie Gibbons","startTime":281.53,"endTime":285.13,"body":"or camping. And if it's not"},{"speaker":"Aubrie Gibbons","startTime":281.53,"endTime":285.13,"body":"that, then it's the minimalism"},{"speaker":"Aubrie Gibbons","startTime":285.16,"endTime":288.22,"body":"aspect of it, which I also"},{"speaker":"Aubrie Gibbons","startTime":285.16,"endTime":288.22,"body":"really strongly identify with."},{"speaker":"Aubrie Gibbons","startTime":288.43,"endTime":292.12,"body":"I'm based here in Florida, I was"},{"speaker":"Aubrie Gibbons","startTime":288.43,"endTime":292.12,"body":"born and raised here, which you"},{"speaker":"Aubrie Gibbons","startTime":292.12,"endTime":296.14,"body":"don't hear about very often. And"},{"speaker":"Aubrie Gibbons","startTime":292.12,"endTime":296.14,"body":"there's a certain"},{"speaker":"Aubrie Gibbons","startTime":296.14,"endTime":298.57,"body":"environmentalist streak there"},{"speaker":"Aubrie Gibbons","startTime":296.14,"endTime":298.57,"body":"because we do have the"},{"speaker":"Aubrie Gibbons","startTime":298.57,"endTime":302.86,"body":"Everglades there which is A huge"},{"speaker":"Aubrie Gibbons","startTime":298.57,"endTime":302.86,"body":"aquifer here in this country. So"},{"speaker":"Aubrie Gibbons","startTime":303.43,"endTime":307.6,"body":"I think that was a big part of"},{"speaker":"Aubrie Gibbons","startTime":303.43,"endTime":307.6,"body":"it for me. And Atlas and I kind"},{"speaker":"Aubrie Gibbons","startTime":307.6,"endTime":309.25,"body":"of found each other because of"},{"speaker":"Aubrie Gibbons","startTime":307.6,"endTime":309.25,"body":"that."},{"speaker":"Ethan Waldman","startTime":310.33,"endTime":312.49,"body":"That's awesome."},{"speaker":"Ethan Waldman","startTime":310.33,"endTime":312.49,"body":"And so did you have a background"},{"speaker":"Ethan Waldman","startTime":312.49,"endTime":314.74,"body":"in real estate before you came"},{"speaker":"Ethan Waldman","startTime":312.49,"endTime":314.74,"body":"to Atlas?"},{"speaker":"Aubrie Gibbons","startTime":315.1,"endTime":317.86,"body":"I did, I am"},{"speaker":"Aubrie Gibbons","startTime":315.1,"endTime":317.86,"body":"actually a licensed real estate"},{"speaker":"Aubrie Gibbons","startTime":317.86,"endTime":321.31,"body":"agent. And so one of the reasons"},{"speaker":"Aubrie Gibbons","startTime":317.86,"endTime":321.31,"body":"I was brought on was I have this"},{"speaker":"Aubrie Gibbons","startTime":321.34,"endTime":325.66,"body":"kind of unique positioning of"},{"speaker":"Aubrie Gibbons","startTime":321.34,"endTime":325.66,"body":"assisting experience. So they"},{"speaker":"Aubrie Gibbons","startTime":325.66,"endTime":330.04,"body":"knew I was good at learning new"},{"speaker":"Aubrie Gibbons","startTime":325.66,"endTime":330.04,"body":"teams, as well as a real estate"},{"speaker":"Aubrie Gibbons","startTime":330.04,"endTime":333.73,"body":"license, and I was an agent for"},{"speaker":"Aubrie Gibbons","startTime":330.04,"endTime":333.73,"body":"two years. And then you add in"},{"speaker":"Aubrie Gibbons","startTime":333.73,"endTime":337.48,"body":"the fact that I have this"},{"speaker":"Aubrie Gibbons","startTime":333.73,"endTime":337.48,"body":"connection to camping and tiny"},{"speaker":"Aubrie Gibbons","startTime":337.48,"endTime":342.04,"body":"living and environmentalist"},{"speaker":"Aubrie Gibbons","startTime":337.48,"endTime":342.04,"body":"emphasis. And I think that that"},{"speaker":"Aubrie Gibbons","startTime":342.04,"endTime":345.94,"body":"really made for the perfect mix"},{"speaker":"Aubrie Gibbons","startTime":342.04,"endTime":345.94,"body":"between me and the company's"},{"speaker":"Aubrie Gibbons","startTime":345.94,"endTime":351.16,"body":"vision. And, you know, I was"},{"speaker":"Aubrie Gibbons","startTime":345.94,"endTime":351.16,"body":"promoted very quickly while I"},{"speaker":"Aubrie Gibbons","startTime":351.16,"endTime":354.97,"body":"was here. So I think I must be"},{"speaker":"Aubrie Gibbons","startTime":351.16,"endTime":354.97,"body":"doing something right to be the"},{"speaker":"Aubrie Gibbons","startTime":354.97,"endTime":356.56,"body":"new communications manager."},{"speaker":"Ethan Waldman","startTime":357.43,"endTime":360.1,"body":"Nice. How big is"},{"speaker":"Ethan Waldman","startTime":357.43,"endTime":360.1,"body":"the company?"},{"speaker":"Aubrie Gibbons","startTime":361.57,"endTime":364.921,"body":"So we do have a"},{"speaker":"Aubrie Gibbons","startTime":361.57,"endTime":364.921,"body":"really big emphasis on keeping"},{"speaker":"Aubrie Gibbons","startTime":364.994,"endTime":369.73,"body":"the team small. So we have a few"},{"speaker":"Aubrie Gibbons","startTime":364.994,"endTime":369.73,"body":"offices, we have two plants that"},{"speaker":"Aubrie Gibbons","startTime":369.802,"endTime":374.465,"body":"build our homes in Orlando, each"},{"speaker":"Aubrie Gibbons","startTime":369.802,"endTime":374.465,"body":"of those probably have about 20"},{"speaker":"Aubrie Gibbons","startTime":374.538,"endTime":378.982,"body":"employees. And then we have the"},{"speaker":"Aubrie Gibbons","startTime":374.538,"endTime":378.982,"body":"main office, where we kind of"},{"speaker":"Aubrie Gibbons","startTime":379.055,"endTime":383.5,"body":"come up with all the ideas and"},{"speaker":"Aubrie Gibbons","startTime":379.055,"endTime":383.5,"body":"give them our crazy plans, and"},{"speaker":"Aubrie Gibbons","startTime":383.572,"endTime":388.017,"body":"then they fix what we give them"},{"speaker":"Aubrie Gibbons","startTime":383.572,"endTime":388.017,"body":"and make it make sense. And I"},{"speaker":"Aubrie Gibbons","startTime":388.09,"endTime":392.752,"body":"would say our office public has"},{"speaker":"Aubrie Gibbons","startTime":388.09,"endTime":392.752,"body":"about 10 employees. So in total,"},{"speaker":"Aubrie Gibbons","startTime":392.825,"endTime":394.21,"body":"probably around 50."},{"speaker":"Ethan Waldman","startTime":393.75,"endTime":397.271,"body":"Nice. And so do"},{"speaker":"Ethan Waldman","startTime":393.75,"endTime":397.271,"body":"you build homes of all sizes? Or"},{"speaker":"Ethan Waldman","startTime":397.344,"endTime":401.16,"body":"are you like specifically these"},{"speaker":"Ethan Waldman","startTime":397.344,"endTime":401.16,"body":"these cottage homes?"},{"speaker":"Aubrie Gibbons","startTime":401.96,"endTime":405.08,"body":"We definitely"},{"speaker":"Aubrie Gibbons","startTime":401.96,"endTime":405.08,"body":"have the capacity to build"},{"speaker":"Aubrie Gibbons","startTime":405.11,"endTime":409.7,"body":"larger homes, specifically,"},{"speaker":"Aubrie Gibbons","startTime":405.11,"endTime":409.7,"body":"within the cottage home branch,"},{"speaker":"Aubrie Gibbons","startTime":409.7,"endTime":413.0,"body":"we try to keep them smaller."},{"speaker":"Aubrie Gibbons","startTime":409.7,"endTime":413.0,"body":"There is that element of energy"},{"speaker":"Aubrie Gibbons","startTime":413.0,"endTime":416.15,"body":"efficiency that we really want"},{"speaker":"Aubrie Gibbons","startTime":413.0,"endTime":416.15,"body":"to preserve there. But a lot of"},{"speaker":"Aubrie Gibbons","startTime":416.15,"endTime":422.45,"body":"our company was kind of made"},{"speaker":"Aubrie Gibbons","startTime":416.15,"endTime":422.45,"body":"possible by our supporters who"},{"speaker":"Aubrie Gibbons","startTime":422.45,"endTime":425.57,"body":"are, of course, investors. And"},{"speaker":"Aubrie Gibbons","startTime":422.45,"endTime":425.57,"body":"so we try to serve them by"},{"speaker":"Aubrie Gibbons","startTime":425.57,"endTime":430.4,"body":"offering a luxury home division."},{"speaker":"Aubrie Gibbons","startTime":425.57,"endTime":430.4,"body":"So if someone were interested in"},{"speaker":"Aubrie Gibbons","startTime":430.46,"endTime":434.51,"body":"our other products, we do"},{"speaker":"Aubrie Gibbons","startTime":430.46,"endTime":434.51,"body":"include larger housing options,"},{"speaker":"Aubrie Gibbons","startTime":434.93,"endTime":437.33,"body":"but even the cottages"},{"speaker":"Aubrie Gibbons","startTime":434.93,"endTime":437.33,"body":"themselves, because they're"},{"speaker":"Aubrie Gibbons","startTime":437.33,"endTime":441.8,"body":"modular, can really be combined"},{"speaker":"Aubrie Gibbons","startTime":437.33,"endTime":441.8,"body":"in different ways to make"},{"speaker":"Aubrie Gibbons","startTime":441.83,"endTime":446.27,"body":"whatever your dream home is, in"},{"speaker":"Aubrie Gibbons","startTime":441.83,"endTime":446.27,"body":"an affordable way that of course"},{"speaker":"Aubrie Gibbons","startTime":446.27,"endTime":446.99,"body":"can be mortgaged."},{"speaker":"Ethan Waldman","startTime":447.83,"endTime":453.71,"body":"Yep, yep. Nice."},{"speaker":"Ethan Waldman","startTime":447.83,"endTime":453.71,"body":"And so what can you kind of"},{"speaker":"Ethan Waldman","startTime":453.71,"endTime":458.99,"body":"define cottage homes for me"},{"speaker":"Ethan Waldman","startTime":453.71,"endTime":458.99,"body":"like, general size footprint"},{"speaker":"Ethan Waldman","startTime":458.99,"endTime":459.98,"body":"kind of things?"},{"speaker":"Aubrie Gibbons","startTime":459.0,"endTime":461.841,"body":"Yeah, so I would"},{"speaker":"Aubrie Gibbons","startTime":459.0,"endTime":461.841,"body":"say our cottages range from"},{"speaker":"Aubrie Gibbons","startTime":461.905,"endTime":465.973,"body":"about 600 square feet, to around"},{"speaker":"Aubrie Gibbons","startTime":461.905,"endTime":465.973,"body":"1200. We have some models that"},{"speaker":"Aubrie Gibbons","startTime":466.038,"endTime":470.171,"body":"have not been announced yet that"},{"speaker":"Aubrie Gibbons","startTime":466.038,"endTime":470.171,"body":"are two storey and that's where"},{"speaker":"Aubrie Gibbons","startTime":470.235,"endTime":474.303,"body":"you get that 1200 number from."},{"speaker":"Aubrie Gibbons","startTime":470.235,"endTime":474.303,"body":"My personal favorite is going to"},{"speaker":"Aubrie Gibbons","startTime":474.368,"endTime":477.79,"body":"have a deck on it, so I'm"},{"speaker":"Aubrie Gibbons","startTime":474.368,"endTime":477.79,"body":"excited for that one to get"},{"speaker":"Aubrie Gibbons","startTime":477.855,"endTime":481.794,"body":"announced. I might even myself."},{"speaker":"Aubrie Gibbons","startTime":477.855,"endTime":481.794,"body":"But it was mentioned a couple"},{"speaker":"Aubrie Gibbons","startTime":481.858,"endTime":485.991,"body":"times now they are traditionally"},{"speaker":"Aubrie Gibbons","startTime":481.858,"endTime":485.991,"body":"mortgageable. So it's a 30 year"},{"speaker":"Aubrie Gibbons","startTime":486.055,"endTime":490.123,"body":"mortgage. We try to keep rates"},{"speaker":"Aubrie Gibbons","startTime":486.055,"endTime":490.123,"body":"at about $500 a month, if you're"},{"speaker":"Aubrie Gibbons","startTime":490.188,"endTime":494.191,"body":"gonna go that route. If you were"},{"speaker":"Aubrie Gibbons","startTime":490.188,"endTime":494.191,"body":"just going to pay in cash, it"},{"speaker":"Aubrie Gibbons","startTime":494.256,"endTime":498.13,"body":"would be about $160. That's a"},{"speaker":"Aubrie Gibbons","startTime":494.256,"endTime":498.13,"body":"starting rate. Those prices do"},{"speaker":"Aubrie Gibbons","startTime":498.195,"endTime":502.134,"body":"tend to fluctuate just so that"},{"speaker":"Aubrie Gibbons","startTime":498.195,"endTime":502.134,"body":"we can serve as many people as"},{"speaker":"Aubrie Gibbons","startTime":502.198,"endTime":506.137,"body":"possible. The biggest difference"},{"speaker":"Aubrie Gibbons","startTime":502.198,"endTime":506.137,"body":"between us and what a lot of"},{"speaker":"Aubrie Gibbons","startTime":506.202,"endTime":509.947,"body":"your audience is probably"},{"speaker":"Aubrie Gibbons","startTime":506.202,"endTime":509.947,"body":"familiar with is that we are not"},{"speaker":"Aubrie Gibbons","startTime":510.012,"endTime":513.951,"body":"mobile. And that's why we refer"},{"speaker":"Aubrie Gibbons","startTime":510.012,"endTime":513.951,"body":"to ourselves as cottage homes"},{"speaker":"Aubrie Gibbons","startTime":514.015,"endTime":518.083,"body":"instead of tiny homes, but what"},{"speaker":"Aubrie Gibbons","startTime":514.015,"endTime":518.083,"body":"you don't have in mobility, you"},{"speaker":"Aubrie Gibbons","startTime":518.148,"endTime":521.958,"body":"really get in security. So"},{"speaker":"Aubrie Gibbons","startTime":518.148,"endTime":521.958,"body":"having that as collateral aside,"},{"speaker":"Aubrie Gibbons","startTime":522.022,"endTime":525.961,"body":"you can get that loan, but you"},{"speaker":"Aubrie Gibbons","startTime":522.022,"endTime":525.961,"body":"also have the option of having"},{"speaker":"Aubrie Gibbons","startTime":526.026,"endTime":529.965,"body":"community there of people around"},{"speaker":"Aubrie Gibbons","startTime":526.026,"endTime":529.965,"body":"you. I know from many of the"},{"speaker":"Aubrie Gibbons","startTime":530.029,"endTime":533.968,"body":"episodes that I listened to on"},{"speaker":"Aubrie Gibbons","startTime":530.029,"endTime":533.968,"body":"your podcast that some of your"},{"speaker":"Aubrie Gibbons","startTime":534.033,"endTime":537.584,"body":"listeners seem to really be"},{"speaker":"Aubrie Gibbons","startTime":534.033,"endTime":537.584,"body":"interested in that. So it's"},{"speaker":"Aubrie Gibbons","startTime":537.649,"endTime":541.394,"body":"really if you love your tiny"},{"speaker":"Aubrie Gibbons","startTime":537.649,"endTime":541.394,"body":"home, and you like that small"},{"speaker":"Aubrie Gibbons","startTime":541.458,"endTime":545.333,"body":"footprint, it's an option where"},{"speaker":"Aubrie Gibbons","startTime":541.458,"endTime":545.333,"body":"you don't have to, you know,"},{"speaker":"Aubrie Gibbons","startTime":545.397,"endTime":549.401,"body":"call a company to move your home"},{"speaker":"Aubrie Gibbons","startTime":545.397,"endTime":549.401,"body":"if you really just stay there"},{"speaker":"Aubrie Gibbons","startTime":549.465,"endTime":553.211,"body":"and build equity, which is"},{"speaker":"Aubrie Gibbons","startTime":549.465,"endTime":553.211,"body":"another thing that you get with"},{"speaker":"Aubrie Gibbons","startTime":553.275,"endTime":557.02,"body":"these that you unfortunately"},{"speaker":"Aubrie Gibbons","startTime":553.275,"endTime":557.02,"body":"don't have with tiny homes on"},{"speaker":"Ethan Waldman","startTime":555.93,"endTime":572.61,"body":"So I think it"},{"speaker":"Ethan Waldman","startTime":555.93,"endTime":572.61,"body":"bears repeating. I want to just"},{"speaker":"Ethan Waldman","startTime":557.085,"endTime":560.895,"body":"wheels, is the equity. Right? So"},{"speaker":"Ethan Waldman","startTime":557.085,"endTime":560.895,"body":"we try to offer that as an"},{"speaker":"Ethan Waldman","startTime":560.959,"endTime":564.769,"body":"alternative because I think"},{"speaker":"Ethan Waldman","startTime":560.959,"endTime":564.769,"body":"there really is that element of"},{"speaker":"Ethan Waldman","startTime":564.834,"endTime":568.643,"body":"wanting a community everywhere"},{"speaker":"Ethan Waldman","startTime":564.834,"endTime":568.643,"body":"you go. And yeah, you should"},{"speaker":"Ethan Waldman","startTime":568.708,"endTime":570.0,"body":"always do that here."},{"speaker":"Ethan Waldman","startTime":572.61,"endTime":576.54,"body":"ask you the question directly,"},{"speaker":"Ethan Waldman","startTime":572.61,"endTime":576.54,"body":"like, Why can't a tiny house on"},{"speaker":"Ethan Waldman","startTime":576.54,"endTime":580.92,"body":"wheels qualify for a traditional"},{"speaker":"Ethan Waldman","startTime":576.54,"endTime":580.92,"body":"mortgage kind of as they are"},{"speaker":"Ethan Waldman","startTime":580.92,"endTime":582.42,"body":"currently imagined?"},{"speaker":"Aubrie Gibbons","startTime":583.47,"endTime":585.87,"body":"As traditional"},{"speaker":"Aubrie Gibbons","startTime":583.47,"endTime":585.87,"body":"mortgages are currently"},{"speaker":"Aubrie Gibbons","startTime":585.87,"endTime":590.31,"body":"structured, you usually need to"},{"speaker":"Aubrie Gibbons","startTime":585.87,"endTime":590.31,"body":"use the home as collateral in"},{"speaker":"Aubrie Gibbons","startTime":590.31,"endTime":591.45,"body":"order to fund that."},{"speaker":"Ethan Waldman","startTime":592.95,"endTime":595.92,"body":"So that tiny"},{"speaker":"Ethan Waldman","startTime":592.95,"endTime":595.92,"body":"house or that the house itself"},{"speaker":"Ethan Waldman","startTime":595.92,"endTime":598.98,"body":"is the is the collateral so that"},{"speaker":"Ethan Waldman","startTime":595.92,"endTime":598.98,"body":"the bank has something to take"},{"speaker":"Ethan Waldman","startTime":598.98,"endTime":600.54,"body":"away if you stop paying."},{"speaker":"Aubrie Gibbons","startTime":600.87,"endTime":603.51,"body":"Exactly. And"},{"speaker":"Aubrie Gibbons","startTime":600.87,"endTime":603.51,"body":"with the tiny homes you can"},{"speaker":"Aubrie Gibbons","startTime":603.72,"endTime":606.0,"body":"drive off and no one will find"},{"speaker":"Aubrie Gibbons","startTime":603.72,"endTime":606.0,"body":"you."},{"speaker":"Ethan Waldman","startTime":606.6,"endTime":608.82,"body":"Okay, so that's"},{"speaker":"Ethan Waldman","startTime":606.6,"endTime":608.82,"body":"that's the main thing is that"},{"speaker":"Ethan Waldman","startTime":608.82,"endTime":612.84,"body":"the tiny homes kind of can get"},{"speaker":"Ethan Waldman","startTime":608.82,"endTime":612.84,"body":"driven off. Now, one thing that"},{"speaker":"Ethan Waldman","startTime":612.84,"endTime":618.33,"body":"I've heard, also is that"},{"speaker":"Ethan Waldman","startTime":612.84,"endTime":618.33,"body":"oftentimes what is the"},{"speaker":"Ethan Waldman","startTime":618.33,"endTime":622.59,"body":"appreciating asset when you buy"},{"speaker":"Ethan Waldman","startTime":618.33,"endTime":622.59,"body":"a house is the land, and that"},{"speaker":"Ethan Waldman","startTime":622.59,"endTime":626.37,"body":"the house is actually a"},{"speaker":"Ethan Waldman","startTime":622.59,"endTime":626.37,"body":"depreciating asset. And so I'm"},{"speaker":"Ethan Waldman","startTime":626.37,"endTime":629.85,"body":"curious how does that factor in"},{"speaker":"Ethan Waldman","startTime":626.37,"endTime":629.85,"body":"at all with with the cottage"},{"speaker":"Ethan Waldman","startTime":629.85,"endTime":633.51,"body":"homes, since you do sell them,"},{"speaker":"Ethan Waldman","startTime":629.85,"endTime":633.51,"body":"I'm guessing you'll sell them"},{"speaker":"Ethan Waldman","startTime":633.51,"endTime":636.03,"body":"without really knowing where the"},{"speaker":"Ethan Waldman","startTime":633.51,"endTime":636.03,"body":"where they'll go?"},{"speaker":"Aubrie Gibbons","startTime":636.78,"endTime":638.4,"body":"Well, we do have"},{"speaker":"Aubrie Gibbons","startTime":636.78,"endTime":638.4,"body":"to know where they're gonna go"},{"speaker":"Aubrie Gibbons","startTime":638.4,"endTime":642.45,"body":"because we build them according"},{"speaker":"Aubrie Gibbons","startTime":638.4,"endTime":642.45,"body":"to the zip code. So I also don't"},{"speaker":"Aubrie Gibbons","startTime":642.51,"endTime":645.93,"body":"necessarily agree that houses"},{"speaker":"Aubrie Gibbons","startTime":642.51,"endTime":645.93,"body":"are depreciating assets."},{"speaker":"Ethan Waldman","startTime":646.62,"endTime":647.01,"body":"Okay."},{"speaker":"Aubrie Gibbons","startTime":647.25,"endTime":651.24,"body":"Even with mobile"},{"speaker":"Aubrie Gibbons","startTime":647.25,"endTime":651.24,"body":"homes, which I know a lot of"},{"speaker":"Aubrie Gibbons","startTime":651.24,"endTime":653.58,"body":"people don't like that, to be"},{"speaker":"Aubrie Gibbons","startTime":651.24,"endTime":653.58,"body":"compared. I would not say that"},{"speaker":"Aubrie Gibbons","startTime":653.58,"endTime":657.33,"body":"we're similar to them. But they"},{"speaker":"Aubrie Gibbons","startTime":653.58,"endTime":657.33,"body":"can be transported if they"},{"speaker":"Aubrie Gibbons","startTime":657.36,"endTime":660.81,"body":"haven't, you know, settled into"},{"speaker":"Aubrie Gibbons","startTime":657.36,"endTime":660.81,"body":"the ground yet. Even those"},{"speaker":"Aubrie Gibbons","startTime":660.81,"endTime":664.74,"body":"values have gone up. In many,"},{"speaker":"Aubrie Gibbons","startTime":660.81,"endTime":664.74,"body":"many cases, I would say they've"},{"speaker":"Aubrie Gibbons","startTime":664.74,"endTime":667.68,"body":"gone down every once in a while."},{"speaker":"Aubrie Gibbons","startTime":664.74,"endTime":667.68,"body":"They can't say they never go"},{"speaker":"Aubrie Gibbons","startTime":667.68,"endTime":672.66,"body":"down. But having a structure"},{"speaker":"Aubrie Gibbons","startTime":667.68,"endTime":672.66,"body":"like that, that is stable, that"},{"speaker":"Aubrie Gibbons","startTime":673.08,"endTime":676.86,"body":"has been built to a certain"},{"speaker":"Aubrie Gibbons","startTime":673.08,"endTime":676.86,"body":"code, you know, mobile homes are"},{"speaker":"Aubrie Gibbons","startTime":676.86,"endTime":680.16,"body":"built to federal codes, and ours"},{"speaker":"Aubrie Gibbons","startTime":676.86,"endTime":680.16,"body":"are built the zip codes. So"},{"speaker":"Aubrie Gibbons","startTime":680.19,"endTime":683.85,"body":"there's a lot more standards"},{"speaker":"Aubrie Gibbons","startTime":680.19,"endTime":683.85,"body":"there. And a lot more"},{"speaker":"Aubrie Gibbons","startTime":684.24,"endTime":686.61,"body":"consistency, you kind of know"},{"speaker":"Aubrie Gibbons","startTime":684.24,"endTime":686.61,"body":"what you're getting when you"},{"speaker":"Aubrie Gibbons","startTime":686.61,"endTime":693.6,"body":"order, order, custom order a"},{"speaker":"Aubrie Gibbons","startTime":686.61,"endTime":693.6,"body":"home from us. But yeah, that is"},{"speaker":"Aubrie Gibbons","startTime":693.6,"endTime":699.09,"body":"really a big difference, I would"},{"speaker":"Aubrie Gibbons","startTime":693.6,"endTime":699.09,"body":"say. So I, I think it's also"},{"speaker":"Aubrie Gibbons","startTime":699.09,"endTime":701.58,"body":"important to note that the land"},{"speaker":"Aubrie Gibbons","startTime":699.09,"endTime":701.58,"body":"can be rolled into that loan as"},{"speaker":"Aubrie Gibbons","startTime":701.58,"endTime":704.49,"body":"well, because that is what a"},{"speaker":"Aubrie Gibbons","startTime":701.58,"endTime":704.49,"body":"traditional mortgage does. So"},{"speaker":"Aubrie Gibbons","startTime":704.49,"endTime":708.57,"body":"there's that aspect too, we can"},{"speaker":"Aubrie Gibbons","startTime":704.49,"endTime":708.57,"body":"help them finance there as well."},{"speaker":"Ethan Waldman","startTime":709.3,"endTime":711.7,"body":"Oh, interesting."},{"speaker":"Ethan Waldman","startTime":709.3,"endTime":711.7,"body":"So if somebody is looking for"},{"speaker":"Ethan Waldman","startTime":711.7,"endTime":716.23,"body":"land that they they want to buy,"},{"speaker":"Ethan Waldman","startTime":711.7,"endTime":716.23,"body":"they can contact you and say"},{"speaker":"Ethan Waldman","startTime":716.23,"endTime":719.41,"body":"let's do a mortgage that"},{"speaker":"Ethan Waldman","startTime":716.23,"endTime":719.41,"body":"includes the cost of the land"},{"speaker":"Ethan Waldman","startTime":719.44,"endTime":722.68,"body":"and the house that I want to"},{"speaker":"Ethan Waldman","startTime":719.44,"endTime":722.68,"body":"build or to place there."},{"speaker":"Aubrie Gibbons","startTime":723.44,"endTime":726.32,"body":"Yes, that's an"},{"speaker":"Aubrie Gibbons","startTime":723.44,"endTime":726.32,"body":"option that we've discussed. So"},{"speaker":"Aubrie Gibbons","startTime":726.53,"endTime":731.0,"body":"there's a lot of potential here,"},{"speaker":"Aubrie Gibbons","startTime":726.53,"endTime":731.0,"body":"I think this is really kind of"},{"speaker":"Aubrie Gibbons","startTime":731.0,"endTime":734.36,"body":"laying new ground, our biggest"},{"speaker":"Aubrie Gibbons","startTime":731.0,"endTime":734.36,"body":"focus with this is that it is"},{"speaker":"Aubrie Gibbons","startTime":734.39,"endTime":737.39,"body":"affordable. And we do have"},{"speaker":"Aubrie Gibbons","startTime":734.39,"endTime":737.39,"body":"premiere options for you to get"},{"speaker":"Aubrie Gibbons","startTime":737.39,"endTime":742.19,"body":"nicer finishes and things like"},{"speaker":"Aubrie Gibbons","startTime":737.39,"endTime":742.19,"body":"that. But even our most kind of"},{"speaker":"Aubrie Gibbons","startTime":742.19,"endTime":746.21,"body":"luxurious models, you feel that"},{"speaker":"Aubrie Gibbons","startTime":742.19,"endTime":746.21,"body":"sense of luxury that you get"},{"speaker":"Aubrie Gibbons","startTime":746.21,"endTime":750.86,"body":"with luxury homes, but just in a"},{"speaker":"Aubrie Gibbons","startTime":746.21,"endTime":750.86,"body":"very small package that gives"},{"speaker":"Aubrie Gibbons","startTime":750.86,"endTime":754.58,"body":"you that sense of control."},{"speaker":"Aubrie Gibbons","startTime":750.86,"endTime":754.58,"body":"Privacy is great for first time"},{"speaker":"Aubrie Gibbons","startTime":754.58,"endTime":758.54,"body":"homeowners who can't really, in"},{"speaker":"Aubrie Gibbons","startTime":754.58,"endTime":758.54,"body":"this market, go for anything"},{"speaker":"Aubrie Gibbons","startTime":758.54,"endTime":761.81,"body":"else. But I also think that, you"},{"speaker":"Aubrie Gibbons","startTime":758.54,"endTime":761.81,"body":"know, just gives you this sense"},{"speaker":"Aubrie Gibbons","startTime":762.44,"endTime":766.97,"body":"of all of your environment is"},{"speaker":"Aubrie Gibbons","startTime":762.44,"endTime":766.97,"body":"yours. I think a lot of these"},{"speaker":"Aubrie Gibbons","startTime":766.97,"endTime":770.6,"body":"larger homes don't really serve"},{"speaker":"Aubrie Gibbons","startTime":766.97,"endTime":770.6,"body":"what we actually need. And I say"},{"speaker":"Aubrie Gibbons","startTime":770.6,"endTime":774.71,"body":"that, again, as someone who was"},{"speaker":"Aubrie Gibbons","startTime":770.6,"endTime":774.71,"body":"a big camping enthusiast. And I"},{"speaker":"Aubrie Gibbons","startTime":774.71,"endTime":778.52,"body":"really realized when I was"},{"speaker":"Aubrie Gibbons","startTime":774.71,"endTime":778.52,"body":"younger, how much space we don't"},{"speaker":"Aubrie Gibbons","startTime":778.55,"endTime":781.31,"body":"need by doing that. So."},{"speaker":"Ethan Waldman","startTime":782.51,"endTime":785.33,"body":"Yeah, so how are"},{"speaker":"Ethan Waldman","startTime":782.51,"endTime":785.33,"body":"the homes built?"},{"speaker":"Aubrie Gibbons","startTime":786.92,"endTime":789.65,"body":"So they are"},{"speaker":"Aubrie Gibbons","startTime":786.92,"endTime":789.65,"body":"modular as I mentioned. So if"},{"speaker":"Aubrie Gibbons","startTime":789.71,"endTime":792.14,"body":"viewers are familiar with that,"},{"speaker":"Aubrie Gibbons","startTime":789.71,"endTime":792.14,"body":"there's kind of a standard"},{"speaker":"Aubrie Gibbons","startTime":792.14,"endTime":795.68,"body":"process there, where we kind of"},{"speaker":"Aubrie Gibbons","startTime":792.14,"endTime":795.68,"body":"build out the shell and we put"},{"speaker":"Aubrie Gibbons","startTime":795.68,"endTime":799.34,"body":"the insulation in place. The"},{"speaker":"Aubrie Gibbons","startTime":795.68,"endTime":799.34,"body":"differences that come in place"},{"speaker":"Aubrie Gibbons","startTime":799.37,"endTime":802.22,"body":"by zip code can be pretty"},{"speaker":"Aubrie Gibbons","startTime":799.37,"endTime":802.22,"body":"expensive. So I can't go too in"},{"speaker":"Aubrie Gibbons","startTime":802.22,"endTime":805.04,"body":"depth, because I wouldn't want"},{"speaker":"Aubrie Gibbons","startTime":802.22,"endTime":805.04,"body":"to say a part of the process"},{"speaker":"Aubrie Gibbons","startTime":805.04,"endTime":810.08,"body":"that isn't entirely accurate."},{"speaker":"Aubrie Gibbons","startTime":805.04,"endTime":810.08,"body":"But, you know, they have"},{"speaker":"Aubrie Gibbons","startTime":810.08,"endTime":816.71,"body":"generally a 14 x 42 floor plan."},{"speaker":"Aubrie Gibbons","startTime":810.08,"endTime":816.71,"body":"We do kind of currently exist as"},{"speaker":"Aubrie Gibbons","startTime":816.71,"endTime":820.31,"body":"one of the only 800 to 1000"},{"speaker":"Aubrie Gibbons","startTime":816.71,"endTime":820.31,"body":"square foot builders in Florida."},{"speaker":"Aubrie Gibbons","startTime":820.31,"endTime":823.37,"body":"They do get as small as 600, but"},{"speaker":"Aubrie Gibbons","startTime":820.31,"endTime":823.37,"body":"we generally say around eight."},{"speaker":"Aubrie Gibbons","startTime":824.57,"endTime":830.12,"body":"We have a 10 year owners"},{"speaker":"Aubrie Gibbons","startTime":824.57,"endTime":830.12,"body":"warranty. I would say a lot of"},{"speaker":"Aubrie Gibbons","startTime":830.69,"endTime":833.21,"body":"again, a lot of what we do"},{"speaker":"Aubrie Gibbons","startTime":830.69,"endTime":833.21,"body":"really depends on the zip code."},{"speaker":"Aubrie Gibbons","startTime":833.21,"endTime":836.72,"body":"So the biggest commonality we"},{"speaker":"Aubrie Gibbons","startTime":833.21,"endTime":836.72,"body":"have is with those modular"},{"speaker":"Aubrie Gibbons","startTime":836.72,"endTime":840.62,"body":"homes, and I would say that's"},{"speaker":"Aubrie Gibbons","startTime":836.72,"endTime":840.62,"body":"basically how we build them."},{"speaker":"Ethan Waldman","startTime":841.43,"endTime":846.62,"body":"Nice and so"},{"speaker":"Ethan Waldman","startTime":841.43,"endTime":846.62,"body":"they're like if somebody buys"},{"speaker":"Ethan Waldman","startTime":846.62,"endTime":850.58,"body":"that, that the tiniest end of"},{"speaker":"Ethan Waldman","startTime":846.62,"endTime":850.58,"body":"the home the 600 square foot"},{"speaker":"Ethan Waldman","startTime":850.61,"endTime":855.23,"body":"house, is that going to be, ike"},{"speaker":"Ethan Waldman","startTime":850.61,"endTime":855.23,"body":"how is that delivered? Is it is"},{"speaker":"Ethan Waldman","startTime":855.23,"endTime":859.13,"body":"it all like is the house just"},{"speaker":"Ethan Waldman","startTime":855.23,"endTime":859.13,"body":"kind of comes on a truck and"},{"speaker":"Ethan Waldman","startTime":859.13,"endTime":861.98,"body":"gets plopped down or is there"},{"speaker":"Ethan Waldman","startTime":859.13,"endTime":861.98,"body":"some like site build that"},{"speaker":"Ethan Waldman","startTime":861.98,"endTime":862.76,"body":"happens too?"},{"speaker":"Aubrie Gibbons","startTime":863.24,"endTime":867.02,"body":"So we generally"},{"speaker":"Aubrie Gibbons","startTime":863.24,"endTime":867.02,"body":"do a site build. Right now our"},{"speaker":"Aubrie Gibbons","startTime":867.02,"endTime":869.78,"body":"cottage homes are most commonly"},{"speaker":"Aubrie Gibbons","startTime":867.02,"endTime":869.78,"body":"found at cottage home"},{"speaker":"Aubrie Gibbons","startTime":869.78,"endTime":873.56,"body":"communities. And we have an"},{"speaker":"Aubrie Gibbons","startTime":869.78,"endTime":873.56,"body":"example of that in like _____."},{"speaker":"Aubrie Gibbons","startTime":874.61,"endTime":878.36,"body":"They are currently in planning"},{"speaker":"Aubrie Gibbons","startTime":874.61,"endTime":878.36,"body":"to lay some of our cottage homes"},{"speaker":"Aubrie Gibbons","startTime":878.36,"endTime":882.89,"body":"down. And with each of those,"},{"speaker":"Aubrie Gibbons","startTime":878.36,"endTime":882.89,"body":"you know you have the built ins,"},{"speaker":"Aubrie Gibbons","startTime":883.43,"endTime":886.34,"body":"place for a toilet, you have the"},{"speaker":"Aubrie Gibbons","startTime":883.43,"endTime":886.34,"body":"washer and dryer that are"},{"speaker":"Aubrie Gibbons","startTime":886.34,"endTime":889.85,"body":"stackable, a fully functioning"},{"speaker":"Aubrie Gibbons","startTime":886.34,"endTime":889.85,"body":"kitchen. I think it's really"},{"speaker":"Aubrie Gibbons","startTime":889.85,"endTime":893.06,"body":"important to emphasize here that"},{"speaker":"Aubrie Gibbons","startTime":889.85,"endTime":893.06,"body":"sometimes with tiny homes on"},{"speaker":"Aubrie Gibbons","startTime":893.06,"endTime":895.97,"body":"wheels, you don't get all of"},{"speaker":"Aubrie Gibbons","startTime":893.06,"endTime":895.97,"body":"those amenities. Like I know"},{"speaker":"Aubrie Gibbons","startTime":895.97,"endTime":899.63,"body":"that you don't always choose to"},{"speaker":"Aubrie Gibbons","startTime":895.97,"endTime":899.63,"body":"have the toilet in the tiny home"},{"speaker":"Aubrie Gibbons","startTime":899.63,"endTime":905.93,"body":"on wheels. You can instead have"},{"speaker":"Aubrie Gibbons","startTime":899.63,"endTime":905.93,"body":"it be kind of a more intensive"},{"speaker":"Aubrie Gibbons","startTime":906.02,"endTime":910.76,"body":"labor intensive process? I don't"},{"speaker":"Aubrie Gibbons","startTime":906.02,"endTime":910.76,"body":"want to go too in depth. But"},{"speaker":"Aubrie Gibbons","startTime":911.06,"endTime":913.55,"body":"from my experience, it's a"},{"speaker":"Aubrie Gibbons","startTime":911.06,"endTime":913.55,"body":"little more work than a regular"},{"speaker":"Aubrie Gibbons","startTime":913.55,"endTime":913.97,"body":"toilet."},{"speaker":"Ethan Waldman","startTime":914.54,"endTime":915.5,"body":"Yeah, yeah."},{"speaker":"Aubrie Gibbons","startTime":916.52,"endTime":918.77,"body":"So with those,"},{"speaker":"Aubrie Gibbons","startTime":916.52,"endTime":918.77,"body":"it's really important to kind of"},{"speaker":"Aubrie Gibbons","startTime":918.77,"endTime":921.8,"body":"emphasize that it's essentially"},{"speaker":"Aubrie Gibbons","startTime":918.77,"endTime":921.8,"body":"the same as a traditional home,"},{"speaker":"Aubrie Gibbons","startTime":921.8,"endTime":922.73,"body":"just a little smaller."},{"speaker":"Ethan Waldman","startTime":923.63,"endTime":926.84,"body":"Yep. And so what"},{"speaker":"Ethan Waldman","startTime":923.63,"endTime":926.84,"body":"kind of site work needs to get"},{"speaker":"Ethan Waldman","startTime":926.84,"endTime":930.56,"body":"done to the land in order to"},{"speaker":"Ethan Waldman","startTime":926.84,"endTime":930.56,"body":"kind of prepare for the house"},{"speaker":"Ethan Waldman","startTime":930.56,"endTime":933.11,"body":"getting put down? And what does"},{"speaker":"Ethan Waldman","startTime":930.56,"endTime":933.11,"body":"that generally cost?"},{"speaker":"Aubrie Gibbons","startTime":934.2,"endTime":936.57,"body":"Yeah, so the"},{"speaker":"Aubrie Gibbons","startTime":934.2,"endTime":936.57,"body":"cost of preparing land can"},{"speaker":"Aubrie Gibbons","startTime":936.57,"endTime":939.93,"body":"really vary. I wouldn't feel"},{"speaker":"Aubrie Gibbons","startTime":936.57,"endTime":939.93,"body":"comfortable giving a number on"},{"speaker":"Aubrie Gibbons","startTime":939.93,"endTime":944.49,"body":"that. But with how much you are"},{"speaker":"Aubrie Gibbons","startTime":939.93,"endTime":944.49,"body":"saving on the mortgaging"},{"speaker":"Aubrie Gibbons","startTime":944.55,"endTime":947.55,"body":"process. Over time, of course,"},{"speaker":"Aubrie Gibbons","startTime":944.55,"endTime":947.55,"body":"there's the interest and"},{"speaker":"Aubrie Gibbons","startTime":947.55,"endTime":950.73,"body":"everything but month to month,"},{"speaker":"Aubrie Gibbons","startTime":947.55,"endTime":950.73,"body":"you have a lot of your income"},{"speaker":"Aubrie Gibbons","startTime":950.73,"endTime":954.36,"body":"left to yourself, I would say"},{"speaker":"Aubrie Gibbons","startTime":950.73,"endTime":954.36,"body":"that it's certainly not a"},{"speaker":"Aubrie Gibbons","startTime":954.36,"endTime":959.1,"body":"stopping force in this process."},{"speaker":"Aubrie Gibbons","startTime":954.36,"endTime":959.1,"body":"We have plenty of contractors"},{"speaker":"Aubrie Gibbons","startTime":959.1,"endTime":962.94,"body":"that we're usually happy to"},{"speaker":"Aubrie Gibbons","startTime":959.1,"endTime":962.94,"body":"refer to our clients, especially"},{"speaker":"Aubrie Gibbons","startTime":962.94,"endTime":965.91,"body":"since, you know, we are kind of"},{"speaker":"Aubrie Gibbons","startTime":962.94,"endTime":965.91,"body":"based in Florida right now,"},{"speaker":"Aubrie Gibbons","startTime":966.0,"endTime":969.93,"body":"given the level of customization"},{"speaker":"Aubrie Gibbons","startTime":966.0,"endTime":969.93,"body":"we need to do based on the zip"},{"speaker":"Aubrie Gibbons","startTime":969.93,"endTime":970.32,"body":"code."},{"speaker":"Ethan Waldman","startTime":972.63,"endTime":979.56,"body":"Got it. So in"},{"speaker":"Ethan Waldman","startTime":972.63,"endTime":979.56,"body":"terms of of the kind of the"},{"speaker":"Ethan Waldman","startTime":979.56,"endTime":982.11,"body":"mortgage and the overall"},{"speaker":"Ethan Waldman","startTime":979.56,"endTime":982.11,"body":"purchase price, like what's,"},{"speaker":"Ethan Waldman","startTime":983.16,"endTime":987.9,"body":"what is the like, starting price"},{"speaker":"Ethan Waldman","startTime":983.16,"endTime":987.9,"body":"for like, a 600? square foot"},{"speaker":"Ethan Waldman","startTime":987.9,"endTime":991.05,"body":"home? Like what's the least"},{"speaker":"Ethan Waldman","startTime":987.9,"endTime":991.05,"body":"expensive option for those"},{"speaker":"Ethan Waldman","startTime":991.05,"endTime":994.68,"body":"listening? Who are just kind of"},{"speaker":"Ethan Waldman","startTime":991.05,"endTime":994.68,"body":"wondering what it is?"},{"speaker":"Aubrie Gibbons","startTime":995.59,"endTime":998.62,"body":"Yeah, so for the"},{"speaker":"Aubrie Gibbons","startTime":995.59,"endTime":998.62,"body":"lots are, to my knowledge being"},{"speaker":"Aubrie Gibbons","startTime":998.62,"endTime":1000.06,"body":"placed at ________. The"},{"speaker":"Aubrie Gibbons","startTime":998.62,"endTime":1000.06,"body":"estimates for that the lowest"},{"speaker":"Aubrie Gibbons","startTime":1000.06,"endTime":1005.49,"body":"end is 160. If you were to"},{"speaker":"Aubrie Gibbons","startTime":1000.06,"endTime":1005.49,"body":"buying cash, that would be"},{"speaker":"Aubrie Gibbons","startTime":1006.21,"endTime":1011.04,"body":"$150,000. To answer your earlier"},{"speaker":"Aubrie Gibbons","startTime":1006.21,"endTime":1011.04,"body":"question, I realized I actually"},{"speaker":"Aubrie Gibbons","startTime":1011.04,"endTime":1012.21,"body":"do have notes on that here."},{"speaker":"Ethan Waldman","startTime":1012.24,"endTime":1012.54,"body":"Okay."},{"speaker":"Aubrie Gibbons","startTime":1012.57,"endTime":1015.39,"body":"It's usually"},{"speaker":"Aubrie Gibbons","startTime":1012.57,"endTime":1015.39,"body":"about $2 per square foot to"},{"speaker":"Aubrie Gibbons","startTime":1015.39,"endTime":1016.32,"body":"develop land."},{"speaker":"Ethan Waldman","startTime":1016.35,"endTime":1016.74,"body":"Okay."},{"speaker":"Aubrie Gibbons","startTime":1016.8,"endTime":1019.95,"body":"So since we are"},{"speaker":"Aubrie Gibbons","startTime":1016.8,"endTime":1019.95,"body":"pretty small there, you've got"},{"speaker":"Aubrie Gibbons","startTime":1019.95,"endTime":1021.36,"body":"about $1,000 to develop."},{"speaker":"Ethan Waldman","startTime":1022.56,"endTime":1026.43,"body":"Okay. Okay. So $2"},{"speaker":"Ethan Waldman","startTime":1022.56,"endTime":1026.43,"body":"per square foot of house"},{"speaker":"Ethan Waldman","startTime":1026.67,"endTime":1030.09,"body":"finished land. And from the"},{"speaker":"Ethan Waldman","startTime":1026.67,"endTime":1030.09,"body":"pictures on your website, it"},{"speaker":"Ethan Waldman","startTime":1030.09,"endTime":1034.11,"body":"looks like these are mostly"},{"speaker":"Ethan Waldman","startTime":1030.09,"endTime":1034.11,"body":"like, put on to a slab like a"},{"speaker":"Ethan Waldman","startTime":1034.11,"endTime":1034.86,"body":"concrete slab?"},{"speaker":"Aubrie Gibbons","startTime":1035.43,"endTime":1037.86,"body":"Yes, we do"},{"speaker":"Aubrie Gibbons","startTime":1035.43,"endTime":1037.86,"body":"really want you to have a solid"},{"speaker":"Aubrie Gibbons","startTime":1037.86,"endTime":1041.94,"body":"foundation for that property. So"},{"speaker":"Aubrie Gibbons","startTime":1037.86,"endTime":1041.94,"body":"you know, again, the Florida"},{"speaker":"Aubrie Gibbons","startTime":1041.94,"endTime":1045.63,"body":"Building Code, which can be"},{"speaker":"Aubrie Gibbons","startTime":1041.94,"endTime":1045.63,"body":"pretty stringent, though, all"},{"speaker":"Aubrie Gibbons","startTime":1045.63,"endTime":1049.5,"body":"those things are just for your"},{"speaker":"Aubrie Gibbons","startTime":1045.63,"endTime":1049.5,"body":"security. So yeah, concrete."},{"speaker":"Ethan Waldman","startTime":1050.55,"endTime":1053.67,"body":"Got it. And so"},{"speaker":"Ethan Waldman","startTime":1050.55,"endTime":1053.67,"body":"have you started operating"},{"speaker":"Ethan Waldman","startTime":1053.67,"endTime":1057.84,"body":"outside of Florida? Or is this"},{"speaker":"Ethan Waldman","startTime":1053.67,"endTime":1057.84,"body":"still like, like, if somebody in"},{"speaker":"Ethan Waldman","startTime":1057.84,"endTime":1060.51,"body":"another state wants to buy one"},{"speaker":"Ethan Waldman","startTime":1057.84,"endTime":1060.51,"body":"of your homes? Are you able to"},{"speaker":"Ethan Waldman","startTime":1060.51,"endTime":1062.79,"body":"do that? Are you specific to"},{"speaker":"Ethan Waldman","startTime":1060.51,"endTime":1062.79,"body":"Florida right now?"},{"speaker":"Aubrie Gibbons","startTime":1063.39,"endTime":1065.46,"body":"At this exact"},{"speaker":"Aubrie Gibbons","startTime":1063.39,"endTime":1065.46,"body":"moment we're specific to"},{"speaker":"Aubrie Gibbons","startTime":1065.46,"endTime":1070.11,"body":"Florida, but depending on the"},{"speaker":"Aubrie Gibbons","startTime":1065.46,"endTime":1070.11,"body":"interest that we see, over time,"},{"speaker":"Aubrie Gibbons","startTime":1070.11,"endTime":1073.29,"body":"we're definitely interested in"},{"speaker":"Aubrie Gibbons","startTime":1070.11,"endTime":1073.29,"body":"expanding outside of Florida. We"},{"speaker":"Aubrie Gibbons","startTime":1073.29,"endTime":1077.37,"body":"have a few ideas on how that"},{"speaker":"Aubrie Gibbons","startTime":1073.29,"endTime":1077.37,"body":"could be done in terms of you"},{"speaker":"Aubrie Gibbons","startTime":1077.37,"endTime":1080.67,"body":"know, making sure that we have"},{"speaker":"Aubrie Gibbons","startTime":1077.37,"endTime":1080.67,"body":"the right load bearing weight,"},{"speaker":"Aubrie Gibbons","startTime":1080.7,"endTime":1085.26,"body":"or like snow roofs, for example,"},{"speaker":"Aubrie Gibbons","startTime":1080.7,"endTime":1085.26,"body":"is really important. So we have"},{"speaker":"Aubrie Gibbons","startTime":1085.26,"endTime":1089.4,"body":"some concepts for that,"},{"speaker":"Aubrie Gibbons","startTime":1085.26,"endTime":1089.4,"body":"depending on the demand that we"},{"speaker":"Aubrie Gibbons","startTime":1089.4,"endTime":1092.52,"body":"get, we could certainly"},{"speaker":"Aubrie Gibbons","startTime":1089.4,"endTime":1092.52,"body":"accommodate that. Right now"},{"speaker":"Aubrie Gibbons","startTime":1092.52,"endTime":1094.5,"body":"we're focusing on Florida,"},{"speaker":"Aubrie Gibbons","startTime":1092.52,"endTime":1094.5,"body":"because that's kind of where our"},{"speaker":"Aubrie Gibbons","startTime":1094.5,"endTime":1098.37,"body":"company was born. And it's"},{"speaker":"Aubrie Gibbons","startTime":1094.5,"endTime":1098.37,"body":"easier to learn all the"},{"speaker":"Aubrie Gibbons","startTime":1098.37,"endTime":1101.88,"body":"specifications for ZIP codes,"},{"speaker":"Aubrie Gibbons","startTime":1098.37,"endTime":1101.88,"body":"like that. So I think once we"},{"speaker":"Aubrie Gibbons","startTime":1101.88,"endTime":1106.11,"body":"have a little bit more of an"},{"speaker":"Aubrie Gibbons","startTime":1101.88,"endTime":1106.11,"body":"automated, rapid system, it'll"},{"speaker":"Aubrie Gibbons","startTime":1106.11,"endTime":1107.67,"body":"be easier to expand."},{"speaker":"Ethan Waldman","startTime":1108.75,"endTime":1111.36,"body":"Yeah, and there's"},{"speaker":"Ethan Waldman","startTime":1108.75,"endTime":1111.36,"body":"a lot of tiny homes, a lot of"},{"speaker":"Ethan Waldman","startTime":1111.36,"endTime":1114.09,"body":"tiny home builders, a lot of"},{"speaker":"Ethan Waldman","startTime":1111.36,"endTime":1114.09,"body":"tiny house communities in"},{"speaker":"Ethan Waldman","startTime":1114.09,"endTime":1118.32,"body":"Florida, it's kind of the other"},{"speaker":"Ethan Waldman","startTime":1114.09,"endTime":1118.32,"body":"than the West Coast, I would say"},{"speaker":"Ethan Waldman","startTime":1118.32,"endTime":1121.23,"body":"that Florida is probably like"},{"speaker":"Ethan Waldman","startTime":1118.32,"endTime":1121.23,"body":"the place where there's the most"},{"speaker":"Ethan Waldman","startTime":1121.8,"endTime":1123.63,"body":"Tiny House activity happening."},{"speaker":"Aubrie Gibbons","startTime":1124.02,"endTime":1126.75,"body":"Yeah, I mean, I"},{"speaker":"Aubrie Gibbons","startTime":1124.02,"endTime":1126.75,"body":"just recently saw another"},{"speaker":"Aubrie Gibbons","startTime":1126.81,"endTime":1130.62,"body":"community opened in San"},{"speaker":"Aubrie Gibbons","startTime":1126.81,"endTime":1130.62,"body":"Francisco, that is all tiny home"},{"speaker":"Aubrie Gibbons","startTime":1130.62,"endTime":1134.79,"body":"on wheels, I think is about 60"},{"speaker":"Aubrie Gibbons","startTime":1130.62,"endTime":1134.79,"body":"to 63. So they're gonna be"},{"speaker":"Aubrie Gibbons","startTime":1134.79,"endTime":1138.66,"body":"offering. So I would say that"},{"speaker":"Aubrie Gibbons","startTime":1134.79,"endTime":1138.66,"body":"that's certainly our closest"},{"speaker":"Aubrie Gibbons","startTime":1139.05,"endTime":1140.55,"body":"comparative market."},{"speaker":"Ethan Waldman","startTime":1142.17,"endTime":1147.15,"body":"Got it. Got it."},{"speaker":"Ethan Waldman","startTime":1142.17,"endTime":1147.15,"body":"So the mortgages, it sounds like"},{"speaker":"Ethan Waldman","startTime":1147.15,"endTime":1151.26,"body":"you guys work with a specific"},{"speaker":"Ethan Waldman","startTime":1147.15,"endTime":1151.26,"body":"lender, like, it's not like I"},{"speaker":"Ethan Waldman","startTime":1151.26,"endTime":1153.75,"body":"could come to you and say like,"},{"speaker":"Ethan Waldman","startTime":1151.26,"endTime":1153.75,"body":"\"Oh, I got pre approved at my"},{"speaker":"Ethan Waldman","startTime":1153.75,"endTime":1157.05,"body":"local credit union. And I want"},{"speaker":"Ethan Waldman","startTime":1153.75,"endTime":1157.05,"body":"to do this.\" Like, is there a"},{"speaker":"Ethan Waldman","startTime":1157.05,"endTime":1159.21,"body":"reason why you have to work with"},{"speaker":"Ethan Waldman","startTime":1157.05,"endTime":1159.21,"body":"that one lender?"},{"speaker":"Aubrie Gibbons","startTime":1159.75,"endTime":1161.88,"body":"I wouldn't say"},{"speaker":"Aubrie Gibbons","startTime":1159.75,"endTime":1161.88,"body":"that you have to work with our"},{"speaker":"Aubrie Gibbons","startTime":1161.88,"endTime":1166.29,"body":"lender. You certainly could"},{"speaker":"Aubrie Gibbons","startTime":1161.88,"endTime":1166.29,"body":"bring your own lender. I think"},{"speaker":"Aubrie Gibbons","startTime":1166.32,"endTime":1170.67,"body":"the reason we might sound a"},{"speaker":"Aubrie Gibbons","startTime":1166.32,"endTime":1170.67,"body":"little bit like that is this"},{"speaker":"Aubrie Gibbons","startTime":1170.67,"endTime":1175.74,"body":"lender was able to get these"},{"speaker":"Aubrie Gibbons","startTime":1170.67,"endTime":1175.74,"body":"homes recognized as homes. And"},{"speaker":"Aubrie Gibbons","startTime":1175.74,"endTime":1180.06,"body":"so we know he knows how to do"},{"speaker":"Aubrie Gibbons","startTime":1175.74,"endTime":1180.06,"body":"it. I think local lenders are an"},{"speaker":"Aubrie Gibbons","startTime":1180.06,"endTime":1183.75,"body":"excellent resource and always"},{"speaker":"Aubrie Gibbons","startTime":1180.06,"endTime":1183.75,"body":"recommend using them if you know"},{"speaker":"Aubrie Gibbons","startTime":1183.75,"endTime":1186.6,"body":"that they have your best"},{"speaker":"Aubrie Gibbons","startTime":1183.75,"endTime":1186.6,"body":"interests at heart. But when it"},{"speaker":"Aubrie Gibbons","startTime":1186.6,"endTime":1191.64,"body":"comes to commercial lenders, for"},{"speaker":"Aubrie Gibbons","startTime":1186.6,"endTime":1191.64,"body":"example, that can kind of run"},{"speaker":"Aubrie Gibbons","startTime":1191.64,"endTime":1195.03,"body":"into a few issues because we"},{"speaker":"Aubrie Gibbons","startTime":1191.64,"endTime":1195.03,"body":"aren't really in traditional"},{"speaker":"Aubrie Gibbons","startTime":1195.03,"endTime":1200.97,"body":"property in all the senses. So"},{"speaker":"Aubrie Gibbons","startTime":1195.03,"endTime":1200.97,"body":"sometimes just the concept of"},{"speaker":"Aubrie Gibbons","startTime":1200.97,"endTime":1203.97,"body":"how different it is can throw"},{"speaker":"Aubrie Gibbons","startTime":1200.97,"endTime":1203.97,"body":"them off. And not everyone is"},{"speaker":"Aubrie Gibbons","startTime":1203.97,"endTime":1209.76,"body":"capable of innovation. We"},{"speaker":"Aubrie Gibbons","startTime":1203.97,"endTime":1209.76,"body":"really, yeah, kind of sound like"},{"speaker":"Aubrie Gibbons","startTime":1209.76,"endTime":1212.97,"body":"that, just because we know that"},{"speaker":"Aubrie Gibbons","startTime":1209.76,"endTime":1212.97,"body":"Cardinal has done such a good"},{"speaker":"Aubrie Gibbons","startTime":1212.97,"endTime":1216.09,"body":"job of consistently getting"},{"speaker":"Aubrie Gibbons","startTime":1212.97,"endTime":1216.09,"body":"these approved, we haven't"},{"speaker":"Aubrie Gibbons","startTime":1216.24,"endTime":1220.5,"body":"really seen any credit score not"},{"speaker":"Aubrie Gibbons","startTime":1216.24,"endTime":1220.5,"body":"be approved for these properties"},{"speaker":"Aubrie Gibbons","startTime":1220.53,"endTime":1225.63,"body":"yet. So I think that that's part"},{"speaker":"Aubrie Gibbons","startTime":1220.53,"endTime":1225.63,"body":"of why but you're definitely"},{"speaker":"Aubrie Gibbons","startTime":1225.63,"endTime":1226.89,"body":"welcome to bring your own"},{"speaker":"Aubrie Gibbons","startTime":1225.63,"endTime":1226.89,"body":"lender."},{"speaker":"Ethan Waldman","startTime":1227.91,"endTime":1229.68,"body":"Another guy, go"},{"speaker":"Ethan Waldman","startTime":1227.91,"endTime":1229.68,"body":"ahead."},{"speaker":"Aubrie Gibbons","startTime":1230.11,"endTime":1231.61,"body":"Oh, that's"},{"speaker":"Aubrie Gibbons","startTime":1230.11,"endTime":1231.61,"body":"great. I think you were about to"},{"speaker":"Aubrie Gibbons","startTime":1231.61,"endTime":1236.26,"body":"ask me about more stuff. I think"},{"speaker":"Aubrie Gibbons","startTime":1231.61,"endTime":1236.26,"body":"another thing that's kind of"},{"speaker":"Aubrie Gibbons","startTime":1236.26,"endTime":1240.1,"body":"important to note here is with"},{"speaker":"Aubrie Gibbons","startTime":1236.26,"endTime":1240.1,"body":"the kind of loan that we're able"},{"speaker":"Aubrie Gibbons","startTime":1240.1,"endTime":1243.46,"body":"to get, because of the"},{"speaker":"Aubrie Gibbons","startTime":1240.1,"endTime":1243.46,"body":"construction to permanent loan,"},{"speaker":"Aubrie Gibbons","startTime":1243.94,"endTime":1246.82,"body":"we're able to build a lot"},{"speaker":"Aubrie Gibbons","startTime":1243.94,"endTime":1246.82,"body":"faster, because we get the money"},{"speaker":"Aubrie Gibbons","startTime":1246.82,"endTime":1249.88,"body":"upfront. We don't have any of"},{"speaker":"Aubrie Gibbons","startTime":1246.82,"endTime":1249.88,"body":"those, you know, holds along the"},{"speaker":"Aubrie Gibbons","startTime":1249.88,"endTime":1254.89,"body":"way than a lot of other"},{"speaker":"Aubrie Gibbons","startTime":1249.88,"endTime":1254.89,"body":"companies. And there are, you"},{"speaker":"Aubrie Gibbons","startTime":1254.89,"endTime":1257.17,"body":"know, as I mentioned earlier"},{"speaker":"Aubrie Gibbons","startTime":1254.89,"endTime":1257.17,"body":"programs for really any credit"},{"speaker":"Aubrie Gibbons","startTime":1257.17,"endTime":1259.93,"body":"score, so we're talking about a"},{"speaker":"Aubrie Gibbons","startTime":1257.17,"endTime":1259.93,"body":"property that you could have,"},{"speaker":"Aubrie Gibbons","startTime":1260.5,"endTime":1264.28,"body":"you know, basically, in three"},{"speaker":"Aubrie Gibbons","startTime":1260.5,"endTime":1264.28,"body":"months, depending on, you know,"},{"speaker":"Aubrie Gibbons","startTime":1264.28,"endTime":1268.06,"body":"what our production looks like,"},{"speaker":"Aubrie Gibbons","startTime":1264.28,"endTime":1268.06,"body":"you know, as your first home, as"},{"speaker":"Aubrie Gibbons","startTime":1268.06,"endTime":1271.72,"body":"a second home, as an ADU. So,"},{"speaker":"Aubrie Gibbons","startTime":1268.06,"endTime":1271.72,"body":"you know, I think that's"},{"speaker":"Aubrie Gibbons","startTime":1271.72,"endTime":1272.68,"body":"important to note as well."},{"speaker":"Ethan Waldman","startTime":1273.28,"endTime":1275.71,"body":"Yeah. And that's,"},{"speaker":"Ethan Waldman","startTime":1273.28,"endTime":1275.71,"body":"can you can you talk more about"},{"speaker":"Ethan Waldman","startTime":1275.71,"endTime":1278.5,"body":"that, like, what, what is a"},{"speaker":"Ethan Waldman","startTime":1275.71,"endTime":1278.5,"body":"construction to permanent loan?"},{"speaker":"Aubrie Gibbons","startTime":1279.42,"endTime":1281.94,"body":"So, a"},{"speaker":"Aubrie Gibbons","startTime":1279.42,"endTime":1281.94,"body":"construction to permanent loan"},{"speaker":"Aubrie Gibbons","startTime":1281.94,"endTime":1286.71,"body":"is just a little bit different"},{"speaker":"Aubrie Gibbons","startTime":1281.94,"endTime":1286.71,"body":"than a lot of the other ones"},{"speaker":"Aubrie Gibbons","startTime":1286.71,"endTime":1289.83,"body":"people tend to be more familiar"},{"speaker":"Aubrie Gibbons","startTime":1286.71,"endTime":1289.83,"body":"with, in that, as I kind of"},{"speaker":"Aubrie Gibbons","startTime":1289.83,"endTime":1292.29,"body":"mentioned, you kind of just get"},{"speaker":"Aubrie Gibbons","startTime":1289.83,"endTime":1292.29,"body":"the builder gets that money"},{"speaker":"Aubrie Gibbons","startTime":1292.29,"endTime":1295.59,"body":"upfront, instead of in portions."},{"speaker":"Aubrie Gibbons","startTime":1292.29,"endTime":1295.59,"body":"So with other loans, you"},{"speaker":"Aubrie Gibbons","startTime":1295.59,"endTime":1300.09,"body":"generally need to submit certain"},{"speaker":"Aubrie Gibbons","startTime":1295.59,"endTime":1300.09,"body":"approvals. First, which we do"},{"speaker":"Aubrie Gibbons","startTime":1300.09,"endTime":1303.15,"body":"need permitting here, and you"},{"speaker":"Aubrie Gibbons","startTime":1300.09,"endTime":1303.15,"body":"need to clear the land and"},{"speaker":"Aubrie Gibbons","startTime":1303.15,"endTime":1306.36,"body":"prepare it. But there's a little"},{"speaker":"Aubrie Gibbons","startTime":1303.15,"endTime":1306.36,"body":"bit more paperwork that goes"},{"speaker":"Aubrie Gibbons","startTime":1306.36,"endTime":1310.14,"body":"into those than what goes into a"},{"speaker":"Aubrie Gibbons","startTime":1306.36,"endTime":1310.14,"body":"construction to permanent loan."},{"speaker":"Aubrie Gibbons","startTime":1310.74,"endTime":1315.57,"body":"Again, that has mostly been done"},{"speaker":"Aubrie Gibbons","startTime":1310.74,"endTime":1315.57,"body":"on like Overwatch site right"},{"speaker":"Aubrie Gibbons","startTime":1315.57,"endTime":1320.19,"body":"now. So I think you might want"},{"speaker":"Aubrie Gibbons","startTime":1315.57,"endTime":1320.19,"body":"to, you know, determine your"},{"speaker":"Aubrie Gibbons","startTime":1320.19,"endTime":1322.98,"body":"individual situation before I"},{"speaker":"Aubrie Gibbons","startTime":1320.19,"endTime":1322.98,"body":"can confirm that that's how all"},{"speaker":"Aubrie Gibbons","startTime":1322.98,"endTime":1326.91,"body":"of them would be done. But it"},{"speaker":"Aubrie Gibbons","startTime":1322.98,"endTime":1326.91,"body":"does make the process a lot"},{"speaker":"Aubrie Gibbons","startTime":1326.91,"endTime":1329.58,"body":"faster for us and easier for the"},{"speaker":"Aubrie Gibbons","startTime":1326.91,"endTime":1329.58,"body":"client."},{"speaker":"Ethan Waldman","startTime":1330.06,"endTime":1332.04,"body":"And I know you"},{"speaker":"Ethan Waldman","startTime":1330.06,"endTime":1332.04,"body":"kind of mentioned that it like"},{"speaker":"Ethan Waldman","startTime":1332.04,"endTime":1335.07,"body":"depends on what the lead time is"},{"speaker":"Ethan Waldman","startTime":1332.04,"endTime":1335.07,"body":"what's happening with your"},{"speaker":"Ethan Waldman","startTime":1335.07,"endTime":1339.42,"body":"production, but like, what is"},{"speaker":"Ethan Waldman","startTime":1335.07,"endTime":1339.42,"body":"the average, like, lead time for"},{"speaker":"Ethan Waldman","startTime":1339.45,"endTime":1341.76,"body":"for a house, if somebody's like"},{"speaker":"Ethan Waldman","startTime":1339.45,"endTime":1341.76,"body":"ready to go?"},{"speaker":"Aubrie Gibbons","startTime":1343.05,"endTime":1346.86,"body":"I'm gonna share,"},{"speaker":"Aubrie Gibbons","startTime":1343.05,"endTime":1346.86,"body":"I guess a secret that won't be"},{"speaker":"Aubrie Gibbons","startTime":1346.86,"endTime":1352.38,"body":"so secret. But we did have a few"},{"speaker":"Aubrie Gibbons","startTime":1346.86,"endTime":1352.38,"body":"contracts put in place a month"},{"speaker":"Aubrie Gibbons","startTime":1352.38,"endTime":1357.0,"body":"ago, and we already have the"},{"speaker":"Aubrie Gibbons","startTime":1352.38,"endTime":1357.0,"body":"homes in our factory waiting. So"},{"speaker":"Aubrie Gibbons","startTime":1357.03,"endTime":1359.4,"body":"as soon as that deal closes,"},{"speaker":"Aubrie Gibbons","startTime":1357.03,"endTime":1359.4,"body":"which is why it's kind of a"},{"speaker":"Aubrie Gibbons","startTime":1359.4,"endTime":1363.9,"body":"secret, we haven't gotten it"},{"speaker":"Aubrie Gibbons","startTime":1359.4,"endTime":1363.9,"body":"close, they'll have a home. So"},{"speaker":"Aubrie Gibbons","startTime":1363.9,"endTime":1368.16,"body":"we do like to be prepared for"},{"speaker":"Aubrie Gibbons","startTime":1363.9,"endTime":1368.16,"body":"clients. And we do have a really"},{"speaker":"Aubrie Gibbons","startTime":1368.16,"endTime":1372.33,"body":"strong lead system in place"},{"speaker":"Aubrie Gibbons","startTime":1368.16,"endTime":1372.33,"body":"right now. So there's a lot of"},{"speaker":"Aubrie Gibbons","startTime":1372.33,"endTime":1377.67,"body":"interest in that area. But, you"},{"speaker":"Aubrie Gibbons","startTime":1372.33,"endTime":1377.67,"body":"know, I think we have a lot to"},{"speaker":"Aubrie Gibbons","startTime":1377.67,"endTime":1382.17,"body":"offer throughout Florida, and"},{"speaker":"Aubrie Gibbons","startTime":1377.67,"endTime":1382.17,"body":"then in the future further than"},{"speaker":"Aubrie Gibbons","startTime":1382.17,"endTime":1385.83,"body":"that. So I don't think we're"},{"speaker":"Aubrie Gibbons","startTime":1382.17,"endTime":1385.83,"body":"ever going to turn someone away."},{"speaker":"Aubrie Gibbons","startTime":1385.86,"endTime":1389.01,"body":"But our process is certainly"},{"speaker":"Aubrie Gibbons","startTime":1385.86,"endTime":1389.01,"body":"pretty fast. If they were"},{"speaker":"Aubrie Gibbons","startTime":1389.01,"endTime":1390.75,"body":"interested, they wouldn't have"},{"speaker":"Aubrie Gibbons","startTime":1389.01,"endTime":1390.75,"body":"to wait very long."},{"speaker":"Ethan Waldman","startTime":1391.38,"endTime":1394.89,"body":"Got it. What do"},{"speaker":"Ethan Waldman","startTime":1391.38,"endTime":1394.89,"body":"you think? You know, the modular"},{"speaker":"Ethan Waldman","startTime":1394.89,"endTime":1399.24,"body":"home industry has certainly been"},{"speaker":"Ethan Waldman","startTime":1394.89,"endTime":1399.24,"body":"around for a long time. What do"},{"speaker":"Ethan Waldman","startTime":1399.24,"endTime":1403.17,"body":"you think is makes your company"},{"speaker":"Ethan Waldman","startTime":1399.24,"endTime":1403.17,"body":"makes Atlas Homes, you know,"},{"speaker":"Aubrie Gibbons","startTime":1403.0,"endTime":1407.71,"body":"I think what"},{"speaker":"Aubrie Gibbons","startTime":1403.0,"endTime":1407.71,"body":"makes us unique, really, and"},{"speaker":"Aubrie Gibbons","startTime":1403.17,"endTime":1403.77,"body":"unique?"},{"speaker":"Aubrie Gibbons","startTime":1407.71,"endTime":1411.73,"body":"truly, is that we have a passion"},{"speaker":"Aubrie Gibbons","startTime":1407.71,"endTime":1411.73,"body":"for this. And we really"},{"speaker":"Aubrie Gibbons","startTime":1411.73,"endTime":1415.6,"body":"understand it in a way that I"},{"speaker":"Aubrie Gibbons","startTime":1411.73,"endTime":1415.6,"body":"think a lot of companies don't."},{"speaker":"Aubrie Gibbons","startTime":1416.23,"endTime":1420.7,"body":"I think we're open to innovation"},{"speaker":"Aubrie Gibbons","startTime":1416.23,"endTime":1420.7,"body":"at every turn. And I think what"},{"speaker":"Aubrie Gibbons","startTime":1420.7,"endTime":1424.72,"body":"we offer that some of them don't"},{"speaker":"Aubrie Gibbons","startTime":1420.7,"endTime":1424.72,"body":"is those communities that I kind"},{"speaker":"Aubrie Gibbons","startTime":1424.72,"endTime":1429.34,"body":"of mentioned are a big focus for"},{"speaker":"Aubrie Gibbons","startTime":1424.72,"endTime":1429.34,"body":"us. While we are more than happy"},{"speaker":"Aubrie Gibbons","startTime":1429.34,"endTime":1435.7,"body":"to do, you know, a new build or"},{"speaker":"Aubrie Gibbons","startTime":1429.34,"endTime":1435.7,"body":"property built on first sight, a"},{"speaker":"Aubrie Gibbons","startTime":1435.7,"endTime":1440.02,"body":"lot of our focus is on kind of"},{"speaker":"Aubrie Gibbons","startTime":1435.7,"endTime":1440.02,"body":"challenging the idea that you"},{"speaker":"Aubrie Gibbons","startTime":1440.02,"endTime":1445.99,"body":"need all of that space. For one"},{"speaker":"Aubrie Gibbons","startTime":1440.02,"endTime":1445.99,"body":"person, two people, even even a"},{"speaker":"Aubrie Gibbons","startTime":1445.99,"endTime":1449.62,"body":"family. You know, I think with"},{"speaker":"Aubrie Gibbons","startTime":1445.99,"endTime":1449.62,"body":"some of the models that we have"},{"speaker":"Aubrie Gibbons","startTime":1449.62,"endTime":1454.81,"body":"in development, it certainly"},{"speaker":"Aubrie Gibbons","startTime":1449.62,"endTime":1454.81,"body":"could fit a four person five"},{"speaker":"Aubrie Gibbons","startTime":1454.81,"endTime":1457.69,"body":"person family. I mean, I grew up"},{"speaker":"Aubrie Gibbons","startTime":1454.81,"endTime":1457.69,"body":"in a family of six. And I could"},{"speaker":"Aubrie Gibbons","startTime":1457.69,"endTime":1460.54,"body":"have seen with the models that"},{"speaker":"Aubrie Gibbons","startTime":1457.69,"endTime":1460.54,"body":"we have in development, not"},{"speaker":"Aubrie Gibbons","startTime":1460.54,"endTime":1464.26,"body":"necessarily yet how we could"},{"speaker":"Aubrie Gibbons","startTime":1460.54,"endTime":1464.26,"body":"have been pretty comfortable."},{"speaker":"Aubrie Gibbons","startTime":1464.5,"endTime":1468.55,"body":"And I think there is this notion"},{"speaker":"Aubrie Gibbons","startTime":1464.5,"endTime":1468.55,"body":"that for things to be good, they"},{"speaker":"Aubrie Gibbons","startTime":1468.55,"endTime":1472.45,"body":"need to be big. And I think"},{"speaker":"Aubrie Gibbons","startTime":1468.55,"endTime":1472.45,"body":"other modular companies"},{"speaker":"Aubrie Gibbons","startTime":1472.45,"endTime":1475.0,"body":"recognize that that's not"},{"speaker":"Aubrie Gibbons","startTime":1472.45,"endTime":1475.0,"body":"necessarily the case, but"},{"speaker":"Aubrie Gibbons","startTime":1475.0,"endTime":1479.38,"body":"they're not trying to challenge"},{"speaker":"Aubrie Gibbons","startTime":1475.0,"endTime":1479.38,"body":"the status quo, either."},{"speaker":"Ethan Waldman","startTime":1479.62,"endTime":1479.89,"body":"Yeah."},{"speaker":"Aubrie Gibbons","startTime":1479.92,"endTime":1482.02,"body":"They're"},{"speaker":"Aubrie Gibbons","startTime":1479.92,"endTime":1482.02,"body":"comfortable filling a niche that"},{"speaker":"Aubrie Gibbons","startTime":1482.56,"endTime":1486.46,"body":"has developed on its own. We're"},{"speaker":"Aubrie Gibbons","startTime":1482.56,"endTime":1486.46,"body":"trying to get people to see"},{"speaker":"Aubrie Gibbons","startTime":1486.46,"endTime":1490.51,"body":"that. This doesn't have to be a"},{"speaker":"Aubrie Gibbons","startTime":1486.46,"endTime":1490.51,"body":"nice, you know, anybody could"},{"speaker":"Aubrie Gibbons","startTime":1490.51,"endTime":1494.86,"body":"live here and be very, very"},{"speaker":"Aubrie Gibbons","startTime":1490.51,"endTime":1494.86,"body":"happy. I think one of the best"},{"speaker":"Aubrie Gibbons","startTime":1494.86,"endTime":1498.52,"body":"ways to do that is to create a"},{"speaker":"Aubrie Gibbons","startTime":1494.86,"endTime":1498.52,"body":"community where everybody is"},{"speaker":"Aubrie Gibbons","startTime":1498.52,"endTime":1501.55,"body":"there supporting each other."},{"speaker":"Aubrie Gibbons","startTime":1498.52,"endTime":1501.55,"body":"There's a lot connectivity, or"},{"speaker":"Aubrie Gibbons","startTime":1501.58,"endTime":1505.51,"body":"public transport, you know,"},{"speaker":"Aubrie Gibbons","startTime":1501.58,"endTime":1505.51,"body":"available between locations. So"},{"speaker":"Aubrie Gibbons","startTime":1506.59,"endTime":1510.55,"body":"you basically have your own"},{"speaker":"Aubrie Gibbons","startTime":1506.59,"endTime":1510.55,"body":"little mini city, all of people"},{"speaker":"Aubrie Gibbons","startTime":1510.55,"endTime":1515.5,"body":"who have accepted that there's a"},{"speaker":"Aubrie Gibbons","startTime":1510.55,"endTime":1515.5,"body":"new way of doing things that we"},{"speaker":"Aubrie Gibbons","startTime":1515.5,"endTime":1519.79,"body":"could probably explore. And I"},{"speaker":"Aubrie Gibbons","startTime":1515.5,"endTime":1519.79,"body":"think a lot of people who watch"},{"speaker":"Aubrie Gibbons","startTime":1519.79,"endTime":1521.77,"body":"your podcast probably recognize"},{"speaker":"Aubrie Gibbons","startTime":1519.79,"endTime":1521.77,"body":"that as well."},{"speaker":"Ethan Waldman","startTime":1522.94,"endTime":1527.62,"body":"So are the"},{"speaker":"Ethan Waldman","startTime":1522.94,"endTime":1527.62,"body":"designs that you offer? Like,"},{"speaker":"Ethan Waldman","startTime":1528.46,"endTime":1531.07,"body":"you do completely custom builds?"},{"speaker":"Ethan Waldman","startTime":1528.46,"endTime":1531.07,"body":"Like if someone came to you with"},{"speaker":"Ethan Waldman","startTime":1531.07,"endTime":1534.01,"body":"a set of plans and said, like,"},{"speaker":"Ethan Waldman","startTime":1531.07,"endTime":1534.01,"body":"\"Can you build this for me?\" Do"},{"speaker":"Ethan Waldman","startTime":1534.01,"endTime":1537.37,"body":"you do that? Or is it like,"},{"speaker":"Ethan Waldman","startTime":1534.01,"endTime":1537.37,"body":"you've got certain models that"},{"speaker":"Ethan Waldman","startTime":1537.37,"endTime":1540.97,"body":"you offer, and then people can"},{"speaker":"Ethan Waldman","startTime":1537.37,"endTime":1540.97,"body":"kind of customize the fit and"},{"speaker":"Ethan Waldman","startTime":1540.97,"endTime":1541.81,"body":"finish from there?"},{"speaker":"Aubrie Gibbons","startTime":1542.77,"endTime":1545.35,"body":"We currently we"},{"speaker":"Aubrie Gibbons","startTime":1542.77,"endTime":1545.35,"body":"have certain models that we"},{"speaker":"Aubrie Gibbons","startTime":1545.35,"endTime":1549.31,"body":"offer, but I always hesitate to"},{"speaker":"Aubrie Gibbons","startTime":1545.35,"endTime":1549.31,"body":"say no to anything, because we,"},{"speaker":"Aubrie Gibbons","startTime":1549.34,"endTime":1552.67,"body":"again, are always open to"},{"speaker":"Aubrie Gibbons","startTime":1549.34,"endTime":1552.67,"body":"innovation. So I think if"},{"speaker":"Aubrie Gibbons","startTime":1552.67,"endTime":1556.3,"body":"someone came to us, and they"},{"speaker":"Aubrie Gibbons","startTime":1552.67,"endTime":1556.3,"body":"really made a strong case, we"},{"speaker":"Aubrie Gibbons","startTime":1556.3,"endTime":1560.59,"body":"might be able to do something."},{"speaker":"Aubrie Gibbons","startTime":1556.3,"endTime":1560.59,"body":"But as of right now, as we're,"},{"speaker":"Aubrie Gibbons","startTime":1560.62,"endTime":1563.44,"body":"you know, developing further"},{"speaker":"Aubrie Gibbons","startTime":1560.62,"endTime":1563.44,"body":"out, and especially as we focus"},{"speaker":"Aubrie Gibbons","startTime":1563.44,"endTime":1567.76,"body":"on building those communities,"},{"speaker":"Aubrie Gibbons","startTime":1563.44,"endTime":1567.76,"body":"we are offering specific models"},{"speaker":"Aubrie Gibbons","startTime":1567.76,"endTime":1570.76,"body":"that you can kind of customize"},{"speaker":"Aubrie Gibbons","startTime":1567.76,"endTime":1570.76,"body":"from there, but yeah."},{"speaker":"Ethan Waldman","startTime":1571.72,"endTime":1577.12,"body":"Okay. Okay. Um, I"},{"speaker":"Ethan Waldman","startTime":1571.72,"endTime":1577.12,"body":"think one myth out there about"},{"speaker":"Ethan Waldman","startTime":1577.78,"endTime":1581.59,"body":"modular homes is, is that like,"},{"speaker":"Ethan Waldman","startTime":1577.78,"endTime":1581.59,"body":"they're cheaply built, or"},{"speaker":"Ethan Waldman","startTime":1581.59,"endTime":1585.94,"body":"they're like cheaply made? Can"},{"speaker":"Ethan Waldman","startTime":1581.59,"endTime":1585.94,"body":"you talk? Can you speak to that?"},{"speaker":"Aubrie Gibbons","startTime":1585.0,"endTime":1589.2,"body":"I'm so glad that"},{"speaker":"Aubrie Gibbons","startTime":1585.0,"endTime":1589.2,"body":"you have brought up the"},{"speaker":"Aubrie Gibbons","startTime":1589.2,"endTime":1594.6,"body":"unfortunate myth. I totally"},{"speaker":"Aubrie Gibbons","startTime":1589.2,"endTime":1594.6,"body":"disagree with this. The building"},{"speaker":"Aubrie Gibbons","startTime":1594.6,"endTime":1599.46,"body":"quality depends on the builder"},{"speaker":"Aubrie Gibbons","startTime":1594.6,"endTime":1599.46,"body":"that you use. And we use the"},{"speaker":"Aubrie Gibbons","startTime":1599.46,"endTime":1602.31,"body":"exact same quality of materials"},{"speaker":"Aubrie Gibbons","startTime":1599.46,"endTime":1602.31,"body":"that you would, again, in a"},{"speaker":"Aubrie Gibbons","startTime":1602.31,"endTime":1606.27,"body":"traditional home, but even"},{"speaker":"Aubrie Gibbons","startTime":1602.31,"endTime":1606.27,"body":"further than that, there's, you"},{"speaker":"Aubrie Gibbons","startTime":1606.27,"endTime":1609.03,"body":"know, you know, there's also"},{"speaker":"Aubrie Gibbons","startTime":1606.27,"endTime":1609.03,"body":"this concern that modular homes"},{"speaker":"Aubrie Gibbons","startTime":1609.03,"endTime":1611.52,"body":"don't have good spam protection,"},{"speaker":"Aubrie Gibbons","startTime":1609.03,"endTime":1611.52,"body":"you know, and things like that."},{"speaker":"Aubrie Gibbons","startTime":1612.33,"endTime":1618.0,"body":"How can something smaller than,"},{"speaker":"Aubrie Gibbons","startTime":1612.33,"endTime":1618.0,"body":"you know, 2000 feet in some kind"},{"speaker":"Aubrie Gibbons","startTime":1618.0,"endTime":1621.51,"body":"of storm protection or whatever?"},{"speaker":"Aubrie Gibbons","startTime":1618.0,"endTime":1621.51,"body":"I don't think that these"},{"speaker":"Aubrie Gibbons","startTime":1621.96,"endTime":1625.98,"body":"opinions don't make sense. But I"},{"speaker":"Aubrie Gibbons","startTime":1621.96,"endTime":1625.98,"body":"do think that there's a level of"},{"speaker":"Aubrie Gibbons","startTime":1625.98,"endTime":1628.23,"body":"unfamiliarity behind that kind"},{"speaker":"Aubrie Gibbons","startTime":1625.98,"endTime":1628.23,"body":"of answer."},{"speaker":"Ethan Waldman","startTime":1628.86,"endTime":1629.37,"body":"Yeah."},{"speaker":"Aubrie Gibbons","startTime":1629.9,"endTime":1631.94,"body":"We definitely"},{"speaker":"Aubrie Gibbons","startTime":1629.9,"endTime":1631.94,"body":"are open to people visiting our"},{"speaker":"Aubrie Gibbons","startTime":1631.94,"endTime":1635.54,"body":"factories and seeing how we're"},{"speaker":"Aubrie Gibbons","startTime":1631.94,"endTime":1635.54,"body":"able to put this kind of amazing"},{"speaker":"Aubrie Gibbons","startTime":1635.54,"endTime":1638.75,"body":"product together. But"},{"speaker":"Aubrie Gibbons","startTime":1635.54,"endTime":1638.75,"body":"essentially, to answer your"},{"speaker":"Aubrie Gibbons","startTime":1638.75,"endTime":1641.54,"body":"question, I completely disagree"},{"speaker":"Aubrie Gibbons","startTime":1638.75,"endTime":1641.54,"body":"with the concept that they're"},{"speaker":"Aubrie Gibbons","startTime":1641.54,"endTime":1644.21,"body":"cheaply made. I think that"},{"speaker":"Aubrie Gibbons","startTime":1641.54,"endTime":1644.21,"body":"association comes,"},{"speaker":"Aubrie Gibbons","startTime":1644.75,"endTime":1648.53,"body":"unfortunately, from mobile"},{"speaker":"Aubrie Gibbons","startTime":1644.75,"endTime":1648.53,"body":"homes, which were much more"},{"speaker":"Aubrie Gibbons","startTime":1648.53,"endTime":1652.64,"body":"popular in the 70s and 80s. And"},{"speaker":"Aubrie Gibbons","startTime":1648.53,"endTime":1652.64,"body":"originally did not have a lot of"},{"speaker":"Aubrie Gibbons","startTime":1652.64,"endTime":1657.38,"body":"regulations. And, again, even"},{"speaker":"Aubrie Gibbons","startTime":1652.64,"endTime":1657.38,"body":"mobile homes are not necessarily"},{"speaker":"Aubrie Gibbons","startTime":1657.38,"endTime":1661.91,"body":"low quality. there just weren't"},{"speaker":"Aubrie Gibbons","startTime":1657.38,"endTime":1661.91,"body":"regulations in place. And so for"},{"speaker":"Aubrie Gibbons","startTime":1661.91,"endTime":1664.94,"body":"us to be building to such"},{"speaker":"Aubrie Gibbons","startTime":1661.91,"endTime":1664.94,"body":"stringent codes we really can't"},{"speaker":"Aubrie Gibbons","startTime":1664.94,"endTime":1668.0,"body":"be cheaply made. But more than"},{"speaker":"Aubrie Gibbons","startTime":1664.94,"endTime":1668.0,"body":"that, we care about the product"},{"speaker":"Aubrie Gibbons","startTime":1668.0,"endTime":1671.06,"body":"that we put out, and people are"},{"speaker":"Aubrie Gibbons","startTime":1668.0,"endTime":1671.06,"body":"living there. So we take this"},{"speaker":"Aubrie Gibbons","startTime":1671.06,"endTime":1671.75,"body":"seriously."},{"speaker":"Ethan Waldman","startTime":1672.89,"endTime":1677.39,"body":"Nice. Nice. Well,"},{"speaker":"Ethan Waldman","startTime":1672.89,"endTime":1677.39,"body":"one thing that I like to ask all"},{"speaker":"Ethan Waldman","startTime":1677.39,"endTime":1680.54,"body":"of my guests is, you know, what"},{"speaker":"Ethan Waldman","startTime":1677.39,"endTime":1680.54,"body":"are a couple of resources that"},{"speaker":"Ethan Waldman","startTime":1680.54,"endTime":1684.95,"body":"have like helped you learn about"},{"speaker":"Ethan Waldman","startTime":1680.54,"endTime":1684.95,"body":"the tiny house or cottage"},{"speaker":"Ethan Waldman","startTime":1684.98,"endTime":1688.61,"body":"industry or just things that"},{"speaker":"Ethan Waldman","startTime":1684.98,"endTime":1688.61,"body":"have inspired you around small"},{"speaker":"Ethan Waldman","startTime":1688.82,"endTime":1691.25,"body":"homes that that you'd like to"},{"speaker":"Ethan Waldman","startTime":1688.82,"endTime":1691.25,"body":"share with our listeners?"},{"speaker":"Aubrie Gibbons","startTime":1692.06,"endTime":1694.76,"body":"I think one of"},{"speaker":"Aubrie Gibbons","startTime":1692.06,"endTime":1694.76,"body":"the things that really made a"},{"speaker":"Aubrie Gibbons","startTime":1694.76,"endTime":1700.37,"body":"difference for us, was the THIA"},{"speaker":"Aubrie Gibbons","startTime":1694.76,"endTime":1700.37,"body":"organization. No, I just want to"},{"speaker":"Aubrie Gibbons","startTime":1700.37,"endTime":1703.79,"body":"make sure that I'm getting the"},{"speaker":"Aubrie Gibbons","startTime":1700.37,"endTime":1703.79,"body":"acronym right. So let me"},{"speaker":"Ethan Waldman","startTime":1704.27,"endTime":1706.94,"body":"No, that's"},{"speaker":"Ethan Waldman","startTime":1704.27,"endTime":1706.94,"body":"correct. The Tiny Home Industry"},{"speaker":"Ethan Waldman","startTime":1706.94,"endTime":1707.78,"body":"Association. Yep."},{"speaker":"Aubrie Gibbons","startTime":1707.87,"endTime":1710.99,"body":"Yes. I think"},{"speaker":"Aubrie Gibbons","startTime":1707.87,"endTime":1710.99,"body":"they're doing a great job of"},{"speaker":"Aubrie Gibbons","startTime":1710.99,"endTime":1714.26,"body":"advocating for, you know,"},{"speaker":"Aubrie Gibbons","startTime":1710.99,"endTime":1714.26,"body":"changes in regulations,"},{"speaker":"Aubrie Gibbons","startTime":1714.29,"endTime":1718.13,"body":"developing best practices in"},{"speaker":"Aubrie Gibbons","startTime":1714.29,"endTime":1718.13,"body":"this industry, but also just"},{"speaker":"Aubrie Gibbons","startTime":1718.13,"endTime":1721.04,"body":"recognizing that this is an"},{"speaker":"Aubrie Gibbons","startTime":1718.13,"endTime":1721.04,"body":"industry. You know, I think"},{"speaker":"Aubrie Gibbons","startTime":1721.04,"endTime":1725.6,"body":"there was an element of"},{"speaker":"Aubrie Gibbons","startTime":1721.04,"endTime":1725.6,"body":"discomfort as this started to"},{"speaker":"Aubrie Gibbons","startTime":1725.6,"endTime":1729.05,"body":"develop. And there's now this"},{"speaker":"Aubrie Gibbons","startTime":1725.6,"endTime":1729.05,"body":"recognized recognition that all"},{"speaker":"Aubrie Gibbons","startTime":1729.05,"endTime":1732.83,"body":"across the country and even the"},{"speaker":"Aubrie Gibbons","startTime":1729.05,"endTime":1732.83,"body":"globe, people are starting to,"},{"speaker":"Aubrie Gibbons","startTime":1732.98,"endTime":1736.25,"body":"you know, switch to smaller"},{"speaker":"Aubrie Gibbons","startTime":1732.98,"endTime":1736.25,"body":"living. So that was a great"},{"speaker":"Aubrie Gibbons","startTime":1736.25,"endTime":1739.97,"body":"resource for us. And we are a"},{"speaker":"Aubrie Gibbons","startTime":1736.25,"endTime":1739.97,"body":"member of that."},{"speaker":"Ethan Waldman","startTime":1741.14,"endTime":1744.74,"body":"Awesome. Well,"},{"speaker":"Ethan Waldman","startTime":1741.14,"endTime":1744.74,"body":"Aubrie Gibbons. Thank you so"},{"speaker":"Ethan Waldman","startTime":1744.74,"endTime":1747.14,"body":"much for being a guest on the"},{"speaker":"Ethan Waldman","startTime":1744.74,"endTime":1747.14,"body":"show today. This was really fun."},{"speaker":"Aubrie Gibbons","startTime":1747.83,"endTime":1749.87,"body":"Yeah, I had a"},{"speaker":"Aubrie Gibbons","startTime":1747.83,"endTime":1749.87,"body":"great time. I'm so glad you let"},{"speaker":"Aubrie Gibbons","startTime":1749.87,"endTime":1750.56,"body":"me come on."},{"speaker":"Ethan Waldman","startTime":1751.7,"endTime":1754.34,"body":"Thank you so much"},{"speaker":"Ethan Waldman","startTime":1751.7,"endTime":1754.34,"body":"to Aubrie Gibbons for being a"},{"speaker":"Ethan Waldman","startTime":1754.34,"endTime":1757.67,"body":"guest on the show today. You can"},{"speaker":"Ethan Waldman","startTime":1754.34,"endTime":1757.67,"body":"find the show notes, including a"},{"speaker":"Ethan Waldman","startTime":1757.67,"endTime":1761.75,"body":"complete transcript, photos of"},{"speaker":"Ethan Waldman","startTime":1757.67,"endTime":1761.75,"body":"some of the Atlas Cottage models"},{"speaker":"Ethan Waldman","startTime":1761.78,"endTime":1766.1,"body":"and more at"},{"speaker":"Ethan Waldman","startTime":1761.78,"endTime":1766.1,"body":"thetinyhouse.net/223. Again,"},{"speaker":"Ethan Waldman","startTime":1766.1,"endTime":1770.6,"body":"that's thetinyhouse.net/223."},{"speaker":"Ethan Waldman","startTime":1766.1,"endTime":1770.6,"body":"Well, that's all for this week."},{"speaker":"Ethan Waldman","startTime":1770.63,"endTime":1773.12,"body":"I'm your host, Ethan Waldman."},{"speaker":"Ethan Waldman","startTime":1770.63,"endTime":1773.12,"body":"And I'll be back next week with"},{"speaker":"Ethan Waldman","startTime":1773.12,"endTime":1776.27,"body":"another episode of the Tiny"},{"speaker":"Ethan Waldman","startTime":1773.12,"endTime":1776.27,"body":"House Lifestyle Podcast."}]}