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. Okay, so welcome back to part three. We're talking about how I got started with the office. This part is going into financing my practice. So, so it goes down the list. So we went through the situation and for anybody that has just tuned in here on YouTube or anywhere else, just know that we're on all platforms. If you wanna download or just go listen to our podcasts here to kind of catch up. But here's what happens. Um, so, so what happened was, I went ahead. Was that the first one? The, the, the first place I got, or second place I was financing? Second one. Second one. Yeah. Not the other one. All right. That's right. Okay. So now I got my first office, but it was getting too small for me, so I had to move out to bigger office because I was sort of renting it out and using at same time. So either to. Kick out my tenants that were sharing with me or I had to leave myself. So the guy next door, um, was trying to rent his place and because he was trying to rent his place, nobody was really renting. And so they tried to sell it. Now they tried to sell it. It was on there for a little bit long. So I went up to the guy that said, Listen, I don't have any money, but Ivy heard of balloon financing. And for those who don't know, what is balloon financing? I'm gonna tell you right now. It is one of the best kept seekers because I feel like if I didn't know about balloon financing, I wouldn't be where I'm at now by a mile. Okay? And I'm gonna teach you guys something about balloon financing. If you don't know if you just getting started, you don't have any money. This is how you own a property with zero money and zero credit. Okay, now listen up. This is how you own a property with zero money. Zero credit. Okay. There's no scam. I did it myself. So I went up to the guy, I said, Listen, I don't have many money. I don't have any zero, but I have, uh, but I, I got started here. I need a bigger spot. He said, Okay. Uh, what are you thinking? I said, Let's do balloon financing. What is that? Balloon financing is basically you own the property, but the previous owners become your bank. So basically you sign a promissory note saying you're gonna pay'em back, let's say $400,000. Okay, within certain amount of years. I did it for eight years. You can do five years, you can do three years, you can do whatever there. There can also be a minimum of like saying you have to pay mortgage to me for one year at least before you pay it off too. So they could do that where they want a little bit of money. So basically, here's how it works. So I would tell the guy, I said, Listen, I'm not putting any money. Sometimes you can and you can put about 5% down or something like that. And um, and basically I, for the second guy, I learned from the first guy because we're the first guy I put five or 10% down. Second guy was like, You know what, what are gonna do? Worst case tonight, they said no to me and I'll put 5%, 10% down, right? So I said, No, I don't wanna put any percent down. First year I wanted 4% interest. I will give you 4% interest. What that means is this, if you, let's say you bought the place for a hundred thousand dollars. You have to give them 4% of the a hundred thousand dollars every year, Every month. Oh, for the year. Right. So if the total 4% of a hundred thousand dollars, God damn, I don't know math here. Uh, 4% of, Yeah. The, the, let me know some math here. 4% of a hundred thousand., 40 thou. 4,000, maybe. 4,000. 4,000. Okay. God, it damn geez.$4,000, right? So $4,000 a year. So that means you have $4,000 gets divided by 12 months, and so you'll be paying how much. Uh, 4,000, about 12 month 3, 330 $3. So if you buy a place for, let's say mine was close to $400,000, so I'll be paying $16,000 a year of interest. It does not go towards a principal. So every year I'd be paying $16,000 interest, which I then is tax deductible because it's a business. Okay? So now what happens is that, so I'm paying $16,000, but I'm also responsible for the office. It's. I own it. I, I have to pay the taxes, which is different expense. I have to pay everything myself. They just send out this and pretty getting $16,000 from me until within the eight year. By the eighth year, I have to pay them off. So sooner or later, some people might. Say, Okay, minimum you have to pay me for at least two years or one year before you can pay it off. Some people might say, I don't care. Just pay me up whenever you can. So basically this one, I had one year term where I had to pay for one year minimum because second year I could get a loan to pay it off. So I can actually go to a real bank and actually get the money, which would be better for me because I needed some time to build a business. So a bank would gimme. And that's a problem guys, with like businesses, you cannot get a business loan. It's very difficult to get a business loan. You have to back it up with a lot of money. They have to be, they'd be like, um, you know, five, six years later, I'm making good money. And they still, I went to get a business loan. They were like, Okay, put your life insurance on it. Put, I had another property. They said, put that sign off that we can take that too. I had the other office, they said, Sign off that we can take that too. And then put this, put your insurances, put our, your insurances on another name, your malpractice, your every sort of insurance. So they, the bank, it's difficult. So what happened was that, um, I told him, Okay, $400,000, I'm paying $16,000 a year, divide that by 12 months, and I got everything else covered. Okay, cool. So I went back to. Old office where I was renting it out. I said, Hey, listen, um, gimme an extra$200 and so gimme about $1,300 and I will, um, give you the whole office. They said, Okay, great. So then I'm making extra $200. I put it towards the, my $16,000, uh, yearly thing, um, mortgage interest that I'm paying to the next guy. So that's 200 times. Um, 12, which is 2, 4, 6, 8, 9, 10. So 20, $2,400. Okay.$2,400 out of the $1,600 I'm making extra from the old office. So now they're paying my mortgage for the old office cuz as also balloon finance that and then they're paying another $200 a month extra, which is $2,400 towards by $16,000 a. Mortgage. So I'm really just paying like 14. No, what is that?$13,600 a year. That's really good. To own two properties and you are only paying $13,000 a year. That's incredible. And all the other money I'm paying, then I'm, because they're giving me rent, is also tax deduct. Well, it goes towards a mortgage, so it's a fantastic deal. So that's how you. balloon finance. You own a property without needing to, um, get a loan, have credit, uh, or have any. I and I had none. I had none of that. I didn't have money and I have credit, and no business would gimme, no bank would gimme loan. So, but then I created my loan. I had them credit my loan. Then I built a reputation. So five years in, so I could have waited until eighth year and maybe four years in. I went to the bank. I was making good money, this and this, and that. Went to the bank and I said, Listen, I have these two proper, They've been balloon financed. Look, I've been paying the taxes every month. I've been paying the mortgage on it to the other people. Every month I'm properly on time, on everything. Now I'm built credit. It's five years in. Um, I'm making, Here's my money that I've been making for five years. It's been increasing my business going well, and I want you guys to gimme, I don't know how much it was, seven,$800,000 or something like that to pay. My two properties and take it off my personal name. Because when you do a balloon financing, it goes under your personal name. So, which is cool because now you're getting, you're building credit under your personal name. It's not gonna be a business name, so because your business doesn't have credit. So no, nobody would balloon finance unless they're dumb. Nobody would balloon finance. You're on a business lsc. Unless it's a really well known business. But, um, but a startup l llc, mine was Escorp though. Um, nobody would, nobody would do that. So basically what happened was that from my name, I got a bank loan and I told a bank I don't want under my name anymore. I want to under a business name, my car buy business name, which means now they take $800,000 of debt outta my name. So now I can go buy a house for my family. You understand what happened there? Cause I had this $800,000 weight on my head, plus my student loans. So I'm paying off my student loans and having to try to pay off, you know, trying to get credit for that. So now they took that, I paid off my student loans. The other people are paying for most of my mortgage. Now I got two offices and I got a condo in dc boom, boom, boom, Just like that. So I'm not building.. Okay. So that's the key guys. From a minority perspective, like building wealth is everything, but we have to understand that you can't just buy Easys all day, okay? Even though I do, because my brother owns a shoe store, Shout out to legends. I go and support because he's a good guy. He supports me back big time. So, but you gotta understand, you gotta invest in properties, You gotta invest in yourself, and you gotta stop buying stuff you don't need., and that's really a key with minorities here. We just spending all lot of money on crap that fill up our room and nothing. But you know what happens here? I bought a house. Okay, look, I'm using one of the rooms at a podcast. What is that? That's a business expense. This room becomes tax deductible. You understand how that works, guys? This is what you have to understand is that there's a game that only I'm starting to learn and only the rich, know and we are being left behind buying Gucci and shit, okay? And we have to understand that we need to be smart. And if you own a house, you can do a podcast. If you own a house, you can use one of the rooms to do some work. Those are tax deductible. and you have to take advantage of these things so that you can save money and invest it into properties all day. So now I got this. I got the first property, then I got the second property here. Now I got two offices just started up. Here we go. I'm saying pretty and it's not under my name. So there's a lot of less. I don't have debt under my personal. and that's key, man. You wanna have less debt under your person. I'm sure you can invest more so you can get more bank loans to invest more, buy more properties, buy more properties. I keep telling you guys that we, minorities, we have to own more. Dude, I, I just heard Disney is buying out Florida. The um, Bill Gates is buying out farmland in North Dakota places you never heard. Okay, we're over here buying Gucci bags. That has zero value. Okay? And I'm saying, you know, you wanna take advantage. You know, you buy yourself birthday gift. I'm not going hard on that, but you know what if, if you down on money, here's what you can do. I saw the great thing on TikTok. It was like, okay. Um, , how much is share for whatever, um, you know, Amazon, $200 and how much money you have, you only have $500. So like, oh, you wanna buy a Gucci bag? Instead of buy buying Gucci bag, take that money and invest that into the stocks of Gucci. If you wanna buy an Apple phone, you wanna buy the latest Apple phone? Take that thousand dollars. Your Apple phone still works. App to the iPhone 12. Okay, It works. It works, has zero problems. Okay? So I take my thousand dollars that I'm gonna buy F iPhone 14 with, and I'm gonna buy Apple stock, which next year it will be double. For example, right now I made money instead of a phone that's gonna break in a minute. Um, so. And that's the really, uh, thing you guys have to understand now is that we have to buy properties at minorities. We have to buy properties because if we don't, we're gonna be left behind and we are gonna be renting forever. And you want to be our owner rather than renter. So, Coming back to it. Now. I don't wanna go on how I started business. Too hard on it because I did have two other podcasts that I start from begins. So anybody on live right now and stuff like that, it's on all the major podcasts. People are downloading it right now. I only put two of 'em on. So it's, it's getting downloaded, it's getting some traction. Um, But I'd be talking about how it got started with chiropractic business. And so I want you to understand is that when you buy the properties, you have to make sure that you maintain it. You have to have a good look, you have to be responsible, and you gotta work like a dog. I, if you go back to my podcast, I'll tell you, when I first started, I woke up at
7:00 AM and I got home close to 1:
00 AM.
7:
00 AM I worked, I was, I drove an hour and a half to from. To, to, to, um, California, me, Maryland, or or Solomon Island, California. Maryland, Somon Island, very close. Solomon Island, Maryland. Hour and a half. I would work for somebody to make some money so I can pay off my student loans. Drive another hour and a half to Springfield at the time in the very, the very beginning. If you listen to my podcast, you'll see with the future, um, hour and a half to Springfield.
I work from 9:
00 PM.
8:
39 PM to midnight, and I drive 40 minutes back to Maryland where I used to live every day. I did that six days a week, and you have to understand that you have to work hard. This is no joke. We have to take this stuff very seriously. Your business is everything, and then you build a scenario where you have helpers and you start all these hats I had on cuz I did my own videography and I did my own editing and I did my own secretary. At first I was my own. I picked up my own calls. In fact, the office phone number that you called the 7 0 3 6 7 8 9 7 2 6, that number was my personal cell. and because I didn't wanna waste money, I didn't have money to kind of give for a new phone for a business. I just used that boom, Hey, this Dr. Rezo. People were like, Oh damn. The doctor just picked up with his girl. Yeah. Well, me brings out my status a little bit, but I don't care. I have no shame when it comes to business., and I want everybody to understand that this is not a bi business, not where you're gonna go get integrity at first. At least you're gonna be in the gutter. People have to understand you. You're gonna be doing, you're gonna pick up your own trash, you're gonna clean your own room, you're gonna clean your own office, clean your own toilet. You're gonna put a, uh, make your own videos, or you want to add 'em yourself. You're gonna answer your own phone. You gotta take out your own check. Everyth. and then you build yourself to a certain status where you then you can start taking one hat off. And I got my man, David here throwing that for me, making videos. I got Kelly and three other, uh, front desk secretaries over there. I got a couple other doctors, da, da, da, da. So that everybody just takes the hat off your head and at one point you be a ceo. Let me tell you this though, I hate it when people be like, Oh, I'm a ceo. You're not a CEO unless you have a board of visitors. Okay? Nobody's ceo unless you have a board of collection of a vice president and secretary at this. And people have to understand it. I, I don't mind people being like, Hey, I'm a, um, I, I like to, um, you know, I'm a, I'm a ceo. I'm a student to pop themselves up mentally, but you also can't light yourself straight up like, It because people won't take you seriously. You can say, I'm a owner, I'm a business owner, I'm an entrepreneur. It's cool if we say that, stuff like that, but you can't be like, I'm a mogul when you don't have a dime to your name. You know what I mean? And, and you can't say, I'm a ceo. You can't be completely false just to prop yourself up mentally. I respect that. I prop myself a number one doc in a dmv. I've been saying that when nobody knew me. Okay, but I'm still a doctor. I'm still in the dmv. You can't just put a completely something that's like not even feasible. You can't be a CEO of something that doesn't have a board. So you're a president of the company, you're an entrepreneur. You can say you're an owner. You can say you're a clinic director if you're a doctor, but you can't be like, you know, I'm an astronaut just because you're imagining you, you're an astronaut. Okay? So because people would, real people that know what is a CEO will be. This person has no effing idea what they're talking about. And if they can't, if they're this way off in, in their head, they're probably like, you know, they got biggest head, they probably not listen to nobody if they think they're a CEO when they're actually just impossible. So, but you build yourself to a point, okay, you wanna be a ceo, but have a board, have a company that's like stock exchange or something like that on the stock. Then you have a board of directors, then your ceo. But right now, like I do really well, I'm. Ceo, I never say I'm a ceo. I can easily be like blah, blah, blah. I'm not a CEO cause I'm president of my company. That's just a fact. Right? Um, so I want you to understand though, those are really important. Um, so now coming over here, on the other hand, I'm driving on Tuesday, Thursday, it's going to, uh, University of Maryland too. So like now I'm gonna have multiple jobs, three, four jobs. I'm running it down at this point. going backwards into it. So I'm trying to make money. I'm trying to hustle. I'm trying to learn. I'm trying to do good. I'm trying to give good service, and that's how I build the business is through my own personality of being true to myself. I'm goofy. I think I'm funny. Sometimes I joke around and I can be serious. But I will never change because my, you know, because if somebody expects me to be a certain way, and if you true to yourself and you love what you do and you mess around with it and you, you're doing really good. So cheers to that guys. Thanks for all the love. I'm on live right now. Everybody sent me loves to love. Appreciate you guys. So now it comes down to, uh, running a business. Now at this point, pandemic. The, the day, the two months before the pandemic hit, I got the loan from the ba. Now watch what just happened. Now everybody listening to watch. What, So two months before pandemic hit, it was December, November, I got, it was November. I think I got my loan from the, from the bank. Finally, the bank paid off my two owners and I become the owner with the bank. I got this $800,000 loan. I'm not gonna go cool. Now, yearly, I'm paying $20,000 because now I'm actually paying towards a principal. Right? Now what happened was that, um, let me see, no yearly, I'm paying more than 200. Sorry, $40,000.$40,000. Yeah, almost 40, maybe 38 or something like that. Now, what's going on here is. Um, I go to bank, I get a loan two months, three months later. So pandemic, hit girl, my business. Fucking, when I tell you what happened to me in the pandemic, bro, it would break down a lot of people. Man. I don't even know how I thought I was gonna close my practice. It was going, we went down, I was going down 20% every week.. It was going down to the point where I was like, Okay, well this is where I'm gonna go ahead and close the office here. This is where my, my, and a lot of chiropractors ended. A lot of dentists ended a lot of different business. I mean, it was just like, and I was over here, Okay, what am I gonna do? I, I have an online program that I still carry on. I do, um, I found this platform that I can give exercise online where these videos and stuff, so I'm doing face down. I'm barely making. on it because it wasn't that much. But I'm doing something. I'm sitting here in my garage, in my last place, I didn't even have a space. I'm sitting here in my garage sending people exercise and blah, blah, blah, blah, blah. So I'm just talking on FaceTime face, you know, on the, on that platform. And then, so I'm making some money, but I was like struggling, right? And, uh, but here's the benefit of owning property. And I'm gonna tell you right now, the bank called me up and said, guess. So I'm getting this P PPP loan. If you don't own a business, you don't get PPP alone. If you're not a boss, you don't get a PPP loan. Okay, so I, I got this PPP loan and I'm breathing a little bit. The bank said to me, Oh, because you're owner, um, of two properties, the bank, the federal government actually do the bank to, through the small business loan, gave an extra six months of your. Uh, uh, of your, uh, mortgage. So they paid off $20,000 on my mortgage. It was like 19, I think, something like that. 19. So almost 20 $20,000 worth of my mortgage, and I got the PPP loan. and I was able to breathe a little bit, so I survived that whole thing. But if I, if just two months before, if I didn't get the loan, I'd be paying the mortgage off out of pocket, not getting any money back because they didn't consider that a small business loan. That was my private loan. I got a private loan through my name, but because I got a SBA loan, I switched it from a private loan at perfect timing. I mean, I was a, you know, it happened on the bank, but that whole SBA loan was a disa. I mean, it took a while. Even though I was doing well, it was still like didn't want my life insurance policy. They wanted my, all the insurance policies I have for like different situation other than they wanted some of my properties I have, but my every, everybody had to be on it. It was.. So then they gimme six months of this, this, and this. So now again, again, you own properties, you own businesses. You get these perks. Why? Because these billionaire businessmen, Are pushing for these loan forgiveness or millionaire businessmen pushing for these. They're talking to Congress, they're gonna, So then, because they push it, and I'm one of them, not like that level, but like I'm on a low level, but they say SBA and I'm part of the sba, whether I'm here or here. So I get the perks because, They are the one vouching for it, for the, for the government to give, give these things. So now I get these loans, I'm starting to breath. Now I'm coming up top. So the next thing happens is that I started getting on Instagram more. I was starting to a little bit, but it wasn't as good. And I was starting to build it up, build up, build it up. Now I started going harder. Then I met. Uh, my guy from Legends, yo, this guy who was in bad shape, he come in, I hooked him up and he's like a DNV legend here. So he started pushing me out and he gave me one of my boosts here where I took it to the next level. Then I started to flourish over there. So every time you go, if you continue on your path for your vision, you will be successful. You just have to wait for it, and you have to be patient. David, that's a good one, right? Right there. Okay, So I want you to understand that you have to be, you have to wait and you have to be patient. If you can wait and be patient, you will be successful. People that give up lose. If you love what you're doing, if you mean it, if you're doing it for the right reason. You stick it, you stick through it, you stick through it, you will be successful. But if you just continue on the way you're doing it and you give up easily this, and look, I lost 80% of my patient loan in, in less than a month, and a lot of chiropractor officers are closed and, but I stayed open. I said, I'm not going nowhere. And what I do, I went online. Even though for a carpi, it's very difficult. All my other car back friends were like, How are you doing stuff online? I was like, Listen man, I can give exercises like a physical., I'm doing the same thing. So I got a platform. I started giving exercise, so I'm making some money. It wasn't the same thing. It was a lot of hassle. I don't like doing lot of work, man. I sit in front of a computer, you can, I cannot handle that, but, So then you got the properties, you got the bank loan, you get your loan outta your personal name, and you go into, uh, the business name. So you take the weight of, of it off of you. Now you have more buying power to PR to purchase more properties. And so you go on like that. You just keep going in that, in that situation. Then over here, then I open up my GW office and I'm going through it. Then I, you know, and, and I will tell you something about GW is that the way I've noticed that I become successful is two ways I'm patient and I give, I give, I give my time. If I don't have money, I give money if I don't have time, but I. Often, and one of the, the way I got into GW is that I was with, I was renting from space from them, but I wanted to work at, I want to be a teacher, I wanna be a professor at gw. So I was talking to clinic, I was like, Hey man, can you help me out? Can you help me out? This and this? And he'd be like, Okay, we'll see, You know, these things are hard to get, blah, blah, blah. And one day what happened was that, um, he needed some help. He has a non for.. It was during Christmas time and he's like, Hey, um, Reza, do you mind coming in to help at, at the clinic? I'm giving out $150. I forgot how much. 150, 160, something like that. An hour. If he can come and just help out with, I have a nonprofit to help. Unfortunate in DC I was like, Sure, Ill go there. I spend some time over there. I love. At the end of it, he was like, Okay, great. Thank you so much. Well, I'm gonna write your check. It was gonna be like a good amount of check. I forgot how much, Maybe four or $500. That was a lot of money. And so I, you know, I was, I told him, You know what, I know you just started nonprofit and I want to kind of help you out. I don't want the money. I wanna donate that back into the nonprofit. And he said, Seriously? I was like, Yeah, man, no problem man. This, that's, that's my time for you. I appreciate you. And I wasn't really expecting much As soon as SA said that he was, Let me see what I can do about GW next day. You know, I got to, uh, the flow of applying the application. They gave me the applicant. They made up a position for me to be a faculty at GW School of Medicine and Health Sciences when in the integrated medicine center. And just from that, I became professor at gw. And before, if you listen to my old podcast, I became professor, uh, clinical instructor at University of Maryland Medical School. I was the youngest. and like any sort of teacher over there, like at University of Maryland at 26, I got that position, 26, 27, something like that. And so basically you guys have to understand that it, it, the more you give, the more you get. And really that, that's been my theme really. I've given out so much free work. I've done so much free stuff. I mean, I don't, I don't post that on brag about it, I'm saying, but I say it here to make sure you guys understand that it's okay. It's okay to give your time or your money or free some free stuff to people that you feel like that deserve it. Not everybody has to get it and it's okay. Doesn't devalue you. Your work and your time, it actually makes you even more important. And it will always give you will always get back. That's what I notice, man. So I, I don't mind doing any of that stuff and I did lots of, I, if I put the hours you guys can ask Kelly, my front desk stuff, I've given out so much free work. I don't know. I don't know, maybe $50,000 worth of free work, something like that, past eight years. And I don't even take it off my taxes. I don't do none of that. I probably should. I probably didn't even know, you know, I've been just doing it. I'm just doing it, you know. But if I was smart businessman, now I know more. I still don't do it though honestly, , I still don't do it. Now I'm just thinking about it. I'm like, I just still don't do it. But realistically, you, you take it off your taxes, but I don't do it. It's okay. It's okay because I, I mean it, and that, that's what I don't like about some people will be like, , Um, you should pay more in taxes. Okay, well, um, do, do you wanna pay more in taxes? They'd be like, Yeah. Uh, and they'll be like, Okay, what? Why don't you pay more in taxes? I had this conversation with somebody in my family, I said,, they're actually pretty wealthy. And I said, Well, why don't you pay more in taxes? And they go like, Well, you know, I, I don't believe in this administration. This really previous one. I don't, I don't want to give my money to them. I was like, Okay, well, do you give to charities? Yeah. Okay. Do you take that off your taxes? Yeah. Okay. So then you really don't give to charities because you're just getting that money back, like. If you wanna pay more, pay more and don't claim it on your taxes. If you wanna pay more, pay more to what you believe in. If you don't wanna give it to the government and take it off your taxes to believe by example, you cannot be a multimillionaire and say, We should, millions should pay more. Okay, You want to pay more then pay more. Let me see you do it first and don't take it off your taxes. What kind of bullshit is that? There are, there are people that chanting this. There are multimillion.. Okay. I don't wanna get too political in here, but, but, but that, that really is the truth.