The Most Dwanderful Real Estate Podcast Ever!

From Chess Prodigy to Real Estate Maven: A Dive into Adam Zach's Innovative Ventures and Personal Journey

• Dwan Bent-Twyford and Adam Zach • Season 3 • Episode 333

Share episode

Send us a text

Join us on a captivating journey into the life of Adam Zach, a former chess prodigy turned successful real estate investor. We'll unveil the magic behind his motto, "people before profits," which forms the backbone of his innovative venture, Dwanderville. You'll get a glimpse of a loving father mentoring his daughter Beth in real estate, embodying the true essence of a family-oriented entrepreneur.

Our discussion then turns to an intriguing exploration of Adam's groundbreaking work with Home Equity Partner Dot Com. It's there that he's spearheading a mission to provide unconventional buyers with flexible homeownership options, particularly those unable to secure a traditional bank loan. Brace yourselves for an insider's look into the rent-to-own scheme, lease options, contracts for deed, and Adam's brainchild; a credit repair program designed to help tenants eventually own the homes they rent.

But it's not all business! We also take a trip down memory lane, reminiscing about the 90s and early 2000s; an era pulsating with music, the shifting perspectives on marijuana use, and the eternal debate between American and Italian pizzas. Prepare for an episode that's not only enlightening but also entertaining and engaging, skillfully bridging the gap between real estate, family, and the dynamics of modern life. Don't miss out on this rare combination of business insights and heartwarming nostalgia.

Thanks again for listening. Don't forget to subscribe, share, and leave a FIVE-STAR review.

Head to Dwanderful right now to claim your free real estate investing kit.

And follow:

http://www.Dwanderful.com
http://www.facebook.com/Dwanderful
http://www.Instagram.com/Dwanderful
http://www.youtube.com/DwanderfulRealEstateInvestingChannel

Make it a Dwanderful Day!

Dwan Bent-Twyford:

Hey everybody, welcome to The Most Dwanderful Real Estate Podcast Ever. I'm the host, Dwan Bent- Twyford. I'm America's most sought after real estate investor and I have such a great episode in store for you today. As you can see, I have this handsome young man, Adam Zach, so that would make him one of my wicked smart men. So we're going to dive in. We're going to see what Adam's all about. We're going to see what's happening In the meantime. The motto at Dwanderful is people before profits. So if that resonates with you it sounds like that's your kind of thing I want you to opt in at Dwanderful D-W-A-N-D-E-R-F-U-L. Dwan and Wonderful makes Dwanderful and I'll send you a free e-book how to flip your way to a fortune and a whole bunch of other free stuff. So just opt in over there and check it out. Welcome to the show. And so, Adam, thank you for joining us. Welcome to the show today.

Adam Zach:

Thank you for having me excited to be here.

Dwan Bent-Twyford:

Yeah, I'm excited too, so we start off. We have drinks with Dwan, so I'm having a coconut drink. What are you having today?

Adam Zach:

And I got a tea, a green tea.

Dwan Bent-Twyford:

So for everyone, remember, you're supposed to get your drink, we're going to take a drink, we're going to take a breath, we're going to put all the things that are bothering us behind us right now so you can just tune in and listen and learn, and you're going to have some fun with us. I promise you'll have fun with us. So cheers to you. Thank you for being on my show today. Cheers to you.

Adam Zach:

Cheers.

Dwan Bent-Twyford:

Folks, this stuff is so good. Everybody take a deep breath, shake off the world and have fun with me and Adam for a little while. So, adam, you are so cute. How are you?

Adam Zach:

I'm doing fantastic. I was just saying bond the backdrop. I just feel wonderful just looking at your background. You got the flamingos, you got the lights, everything's rocking Wonderful.

Dwan Bent-Twyford:

Dwanderful .. I took Dwan and Wonderful and made a new word - Dwanderful.

Adam Zach:

I really get fun, though, isn't it, it is, you know what.

Dwan Bent-Twyford:

You got to have fun in life. Everyone is so serious all the time it's like oh, love it. Oh my God, can people just loosen up a little bit? So I feel like you know what? If you can't have fun during a podcast, where can you have fun?

Adam Zach:

At first I was wondering. I was like, okay, I could see the flamingos and I can see the purple around them. I was like, okay, so what is the purple? Because I'm not an interior decorator. So I'm like, okay, I know there's something there and it looks good, but because that's not in my skill set and it matches the hair, I was like, okay, what's over the flamingos head? Is it a hat?

Dwan Bent-Twyford:

Is it? What is it? These are hats from the 1920s. I actually bought real authentic 1920s. Yeah, because you know they've got the boas and they've got the little hats. So this is a Daisy May and this is Miss Delila They're my sidekicks, and so I got them old fashioned hats. And purple is the color of royalty. So because I am real estate royalty, I decided to go with the purple thing.

Adam Zach:

It fits. I would not have guessed from the 1920s.

Dwan Bent-Twyford:

Yeah, these are so expensive. These are authentic 1920s. I had a bit of them on auction.

Adam Zach:

Where did you get them? So it was an online or in person.

Dwan Bent-Twyford:

No, I bid for them on an auction. I got them from an auction and they're so fragile so I just have to leave them on all the time, because there's like paper stuff under there so they'll stay onto the heads so I don't want to use a bunch of glue and stuff, so they're really just so. I do actually have my flingos have eyeballs, but the hats just kind of lay over top of the whole. It just adds to all the dwindlefulness.

Adam Zach:

It sure does. You get some people from Fargo here who've got a lamp, a couple of leadership axioms and then some trophies that my kids have gotten me. That's, you get both sides of the equation.

Dwan Bent-Twyford:

That's right, that's why we do it. So that's why we do it, and you're from Fargo, no less. We were just talking about that. It's like you have to be committed to love there. That is some cold weather.

Adam Zach:

Yeah, I usually tell people that I came in on my covered wagon to come in to do this podcast episode. Me and the other three people here in Fargo are all hosting the town hall meeting, so I get the microphone for the for the day or for the hour.

Dwan Bent-Twyford:

That's so fun, though that's fun, like you said, you got to be committed to love up there, but you know, everyone's got their own thing. I'm in the mountains of Colorado, so we all have our thing. Okay, so what I want to do is I would like you to tell us, like in a sentence or two, who you are, how we reach you and what you do, like a summary, and then I'm going to ask you a bunch of super fun questions. We're going to find out how you became Adam Zach, the wicked smart man of the day. So what's?

Adam Zach:

your deal, so I tell people that I'm a family man with a business, not a businessman with a family. You can reach me by going to home equity partnercom or engineering REIcom, which is where we help investors, or I help dads get into real estate. And the last thing that you'd want to know about me is I was a state chess prodigy when I was younger, and so I'm going to try to instill that into my kids. My dad had taught me when I was super young, and so I always got into chess and I really enjoy playing chess.

Dwan Bent-Twyford:

Yeah, that is so cool. So home equitycom and you're a family man with the business. I super love that.

Adam Zach:

It's I stole it from another mastermind, that I mean I have their hat and I'm not wearing the shirt today, but it's a front row dads where a lot of times either dads or men or something they can, they have the W2 plus, they want to do the side hustle. So it really starts to pull at them and it's like, okay, well, I'm doing this for the family, I'm doing this for the family. So if you do that for five years or 10 years turns out when your kids are older, you know you've kind of lost that time. So the idea is like, okay, how can I show up and build a business? And it turns out real estate is a wonderful way of buying back your time, and so I did a bunch of stupid things before then and then eventually landed on real estate and so that that was. That was the, the piece of it that's really allowed me to be with my five year old, three year old, one year old a lot more than I think so.

Adam Zach:

I am 35.

Dwan Bent-Twyford:

So my son just turned 32. He's got four kids too. So he's the kind of where you are. He's like building the business, got the four kids, raising the family. It's like, hey, listen, I know you want to go off and like work like a crazy person that these kids will have a load of. One time that I'm telling you Just like that they'll be asking for the car keys.

Adam Zach:

That's right.

Dwan Bent-Twyford:

What the heck happened to my children that are now asking me to drive them all over the place.

Adam Zach:

Yes, stuff, I remember the, the maximum what is. The days are long but the years are short, and so I had. I used to be a civil engineer and my CEO of the company, who was a super I would call him a wicked smart man as well but in business and then he ended up, you know, maybe getting divorced, not seeing his kids. He's like you know what, you know, when those two year olds gave you the cuddles when they were younger, he's like I never got it and I was like, ooh, that's that one that went hit deep, deep for me, you know personally, and so that's where, just trying to do my best, I still sometimes feel like buying a house is easier than getting a toddler to eat vegetables, and so I'll like gravitate towards that, that's true though.

Adam Zach:

And so, but it's you get. You get the highs and the lows, but it's just wonderful to you know be able to quit the job, do this full time, have more flexibility still not complete freedom, but just what real estate can do for the life, of travel and all the other things you want to do.

Dwan Bent-Twyford:

It is true, and you're never going to have 100% of time. First of all, I don't think you or your kids would truly want to be together 100% of time, because I know by needs that much togetherness and. But you know you're right, it gives you the freedom to like do the things, go to the soccer. My kids are in swim. There's swim meets all over the state of Colorado. We were always going to the swim meets and going to the things and traveling and doing all the things and I never miss any homerooms. I was the field trip mom. Anything that there was, I did all. I never missed any of that because that's why I wanted to work for myself.

Adam Zach:

So how wonderful of an impact on. Yeah, it is.

Dwan Bent-Twyford:

And I'm really happy to say, like I never put my kids in daycare, I never missed anything I really didn't, and I worked my butt off, don't get me wrong. But I never miss the stuff that I felt like I would want to look back on and go yeah, was the Girl Scout mom. I was that mom, I was that girl. I did all that fun stuff and my kids appreciate it now.

Adam Zach:

Yep, and for me it's like, ok, I think I found what being a full time stay at home dad would look like, and it turns out that, although it sounds great and getting a bunch of time with your family, turns out Adam still has passions and purposes and other things in life. Because if I and there's some mom's dads that just love being a stay at home dad and it turns out Adam's brain maybe doesn't wire that way. So I'm like, ok, how can we take team this? Because, like my foot starts tapping, I'm like, oh, what can I do? And how do I either get the words of affirmation or where's the next progressive thing? Because it can be a little bit of a thankless job wiping butts for a couple years.

Dwan Bent-Twyford:

And then I was going to stay at home. Mom, I got involved in real estate after my daughter was born and I just took her everywhere with me. She went to every rehab, she went to every club. I just drugged that child door knocking. Like for a decade she's knocked on thousands of doors, she's been to 1500 closings. I've drugged that child. I was like come on, girl, get the car we're going to get. We have stuff to do today. Mommy is sitting around the house.

Adam Zach:

Beth, what a wonderful way to invite them in. How much did she catch during all of that Catching to on in the pursuit of excellence?

Dwan Bent-Twyford:

Oh, a lot. And now she's got rentals of her own and she does deals and she enjoys her traveling time and she got a lot. That's all she knew, really. And then I married Bill and I saw his kids were just doing them in a pile. So that's really all of our kids now. They don't really know anything else and they don't need to.

Adam Zach:

That's right.

Dwan Bent-Twyford:

Eat your kids early. So you get three little investor ads coming up the food chain. Okay, so tell me, what does home equity dot com? What do you guys do?

Adam Zach:

Yes, a home. And so home home equity partner dot com specifically trying to find homes for people that can't quite get a bank loan, and it's all the closest way I can describe it. It ends up being some sort of rental and arrangement, but instead of us buying the home, we're now matchmaking. So we'll have an investor who is looking for some sort of return and he's buying a home for someone that's one to three years away from a mortgage, so almost like a private mortgage where, turns out, adam Zuck can't get a mortgage because I left my civil engineering job and the banks don't like me.

Adam Zach:

But I feel like I'm a pretty standup guy. So I'm like, hey, hey, don't. Like, would you buy me a house? And you'd be like, hmm, I don't know, he's in Fargo, I don't know much about Fargo. So he'd be like, well, what's your like? Probably like what's your credit score? You know what's your debt to income ratio? How do you make money? And then probably a couple more like where's the property located? Is it a good area? Okay, what's the home condition?

Adam Zach:

But if I'm like, hey, I want to buy a new build, like new construction, $500,000 house, and I have an 800 credit score, could you just go get a bank loan for me because you could get a DSCR like non owner occupied. But if I want an owner occupied, home banks are a little bit less forgiving on that sense and because if you're in real estate and you show a paper loss every year, they're like it doesn't matter what your debt to income ratio is or your debt is, because your income is zero. So you can't even. You can't even get to an appropriate ratio because whatever it's infinity or a broken number like their calculators don't compete. So all we do is we'd say, okay, well, maybe Duane could buy animal house. Whatever your payment is, I'll just give you something extra and then mark up the price and then that's kind of the transaction from A to C that we're orchestrating.

Dwan Bent-Twyford:

So you, because I love the idea, I love the idea, so you are working with the investors, finding them funding, or are you also finding the homeowners as well?

Adam Zach:

Yeah.

Adam Zach:

So the main thing is finding the homeowner, because the investors typically can get pre-approvals and traditional conventional loans, because it's like attorneys, doctors, lawyers, engineers, so they can get the loan, they can do it.

Adam Zach:

So our job is to market and find the individuals who can't quite get a bank loan. So, like somebody was moving from Tennessee to Texas last week because their job change was different, even though they had a job letter and they were making twice as much as what I make, they're like well, the loan officer is like, well, it's not the same kind of income. And so, since it's not the same kind of income, you got to wait six months. I'm like, well, I don't want to wait six months. And so like, oh cool, let's do this, you can, you move in, that's the least. You have an option to buy, here's your set price. Of course, if there's a default, you have all different kinds of clauses, but that's the goal. Is like, okay, they're kind of a bridge until they can get the traditional financing where the bank sees the six months or a year of employment history and then he buys out the investor.

Dwan Bent-Twyford:

Nice. I really love that. So if I was coming to you and I wanted to buy a house with these conditions, what would I be looking at for? Like an interest rate? Am I getting a 30 year loan? Am I getting a short-term loan? Why I fixed my credit Like what does it look like for me, the homeowner?

Adam Zach:

Okay. So yeah, the terminology that we've started using and just stole it from the Joe McCalls and the Wendy Pattons is the tenant buyer, and then I'm going to call it the active investor. So the active investor is the engineer who can get a pre-approval letter, and then the tenant buyer is someone looking for a home. And so in general, we started off with like one or 2% down, which we've now changed to like 10% down as a minimum, because it turns out if you get into a home and then somebody has to foreclose or evict on you, turns out the investors have a lot of skin in the game. So in general, I would say it's probably close to 10% down in the 1% rule. And so if it's a $250,000 house, maybe putting 25% down and paying $2,500 a month and then getting $250 a month as either rent credits or true principal paydown, depending if it's a lease with an option to buy or if it's a contract for deed, because there's a couple of different ways of doing it.

Dwan Bent-Twyford:

Nice, I like that, and so the people that you find. Are you finding the houses from foreclosure?

Adam Zach:

Yeah, so we used to do that. We called that kind of version one where we found homes at a pretty good deal, then we would fill them with rent to own or tenant buyers and then I liked your people first, property second, because our model is people first, property second.

Dwan Bent-Twyford:

People before profit.

Adam Zach:

Yours is people before profit, ours is people before property.

Dwan Bent-Twyford:

I love that too.

Adam Zach:

And so when you were saying it, I was like, oh, how does she? I was like we're going to say the exact same tagline.

Dwan Bent-Twyford:

but since you're a people before profit.

Adam Zach:

Yeah, so what we actually do is we find the person, they go shopping with a real estate agent and then they go pick the house off the MLS, so it's not an existing set of inventory. So instead of being able to shop at 100 homes that are rentals or from an existing inventory in Phoenix Arizona, like maybe there's five homes that are rent to own, they can actually go pick out one of the 1500 homes on the MLS.

Dwan Bent-Twyford:

Wow, that's really great. So if they can shop and they can get someone with the MLS, and then they come to you, so how do they find Sorry, I have not heard of anyone that does this. I have a lot of new. This is why I like to interview people without having with this long talk ahead of time, because, especially with something I don't know a lot about, it's like oh, something new. So I always love learning new things, so I ask questions. I feel like somebody new would ask you, like I am asking you now. So the people go to the MLS, they go shopping. You've got an investor lined up. How do they find you?

Adam Zach:

So we have found them before they even start shopping with a real estate agent. So what they would do is like, whether it's a real estate agent may have referred him to us, a loan officer, or we have Facebook ads, google ads we're doing all kinds of marketing and we're trying that out. It's just like okay for the 130,000 people searching rent to own every month and the one in 10 people that could deny a bank loan, which is like 2 million people in the United States.

Dwan Bent-Twyford:

Oh yeah a lot.

Adam Zach:

Where are they all going? And I now became a licensed mortgage loan originator. So I say step one is just fix your issues. Maybe it's debt to income, maybe it's credit, maybe it's employment history, so you can just wait and then go get a loan. But there's some individuals like, hey, I want the house now and then I'll figure out the loan later. Yeah, yeah, yeah. And those are the people that are like I have to move, there's nothing available for rent, I don't want to throw money away on rent or whatever it is, I want to lock in a price. And so those are the individuals that find us.

Adam Zach:

They'll find us and then we'll run them through basically an underwriting, as if a loan originator and an investor was underwriting them and we say, okay, based on your call it risk rating, you have either a 5% down, 10% down, 20% down, like if they're like well, it turns out, I'm just getting out of bankruptcy, you're like, oh well, you probably are going to need to put like 25% or 30% down because you're riskier to someone, because your chance of default is less, and so an investor is going to want to see a lot more skin in the game. So typically they find us, they basically get pre-approved with us of, hey, this is your max monthly payment that you can afford, not to exceed more than three times your income, and here's your down payment range, depending on what sort of house that you're looking for. And so then they're like, okay, cool, I know I can get up to a $325,000 house with 7.5% down and pay $3,000 a month, and like great. So then then we say, okay, cool, go ahead. And then we tell the agent like hey, by the way, they're not going to be on title, our LLC, or the investor's LLC, is going to be on title because they're taking title and then entering in a lease with an option to buy or a contract for deed with the tenant buyer no-transcript.

Adam Zach:

It's a little bit different where, if you've heard of Divi Homes or Home Partners of America, they're doing this on a large scale. Where they're? They call it their lease with the right to purchase or, you know, test drive the home, but we're not really in a mode of test driving.

Dwan Bent-Twyford:

I like that, I like that.

Adam Zach:

Yeah and so and so. With those models, I would say those are really great for people that are like hey, I want to put one or two percent down, I want to test drive it. If I don't like it, I can walk away With ours. It's more so like. These people want the home and us or the investors don't want the home back, so that's why we have more skin in the game.

Dwan Bent-Twyford:

I love that. That really is a really. You know, that's a really. I think you're the first person I met that actually does that specific thing. That's a really good niche to fill, because they're not leasing with this. That's why I don't like lease options, as people live in them forever and you know they take care of them or not and then like, yeah, I don't want it. Here you go, and nothing against that. I've done it in many of them, but I always would rather take that house subject too.

Dwan Bent-Twyford:

So if I come across like a lease with an option or someone that wants. I'm like I'll buy a subject too and I'll sell it to you and you know I'll be the bank and you know, would you put the homeowner is still on the deed and I've got my new person and I do a lot of subject too. I've never been and I know, like you mentioned Wendy, she's always, always taught lease options and things like that, and I was like I don't know if I've been an extent of that, but I really like this because, like, you're getting them out of home and investors put up the money. I'm sure you guys, because you're on the title and they're leasing it to buy it, they're not going to do it. They can't default because you just evict them. You just have to evict them, yeah.

Adam Zach:

If it's a lease option to be an eviction. If it's a contract for D to be a foreclosure. And then, depending on what states you're in, sometimes in evictions like three weeks versus like North Dakota, foreclosure is like seven months, and so that's why, depending on how much they're putting down what the investor wants to do like if I have to foreclose on someone I'm like, ooh, that's eight months that I got to sit on that home there's added risk for that.

Dwan Bent-Twyford:

Do you ever have them do a deed on lower foreclosure and have a deed signed back to you. So if they default, you can just file a deed and like say here's $5,000, move out.

Adam Zach:

That is a great idea. We have not implemented that, but we have thought about doing that with the escrow and so if they default, basically they've already pre-signed the deed and away you go.

Dwan Bent-Twyford:

See there you go.

Adam Zach:

And not only that.

Dwan Bent-Twyford:

But I do it on my subject too. They all do a deed on low and I say and I'm like hey, if you have any trouble, you call me. Call me, don't make me foreclose on you, call me, I'll give you somebody to move out. Let's just part on good terms. And I've only had about maybe 10 out of 350 that were like hey, dwan, I just I can't do it. Here's just, I'm going to move and I like gave them all money and no one's ever never had to foreclose on anybody.

Adam Zach:

That's awesome and I would argue that you are buying right and potentially selling right where we are not necessarily buying right but we're selling it right in a profitable manner. So if you can buy right and sell right, like I would admit that I like your model from an economic standpoint higher. We've landed on this niche more from a hey, this is unique, that nobody else is doing, where we can buy the MLS property. So that's why it's people first, property second, similar to your people first, profit second, or profit second, excuse me, and that way they can go shopping and we don't have to find the property. So we're not finding motivated sellers, we're finding motivated bank denied individuals, which is a which is a market that not a lot of investors are going after.

Dwan Bent-Twyford:

I don't know anybody doing it. You're the first one. Yeah, because the houses I get someone's losing it in full closure and they deed it to me and then I put out ads. You know, rent on no credit, no problem, and the people that are coming are buying a house that may need some work. It's been in full closure, you know, it's got all the issues and the stuff. It's not like hey, here's this beautiful, pristine house. The MLS like you can't have to put some money or a sweat or something into it to get it. So I really love that model, I think, as far as I know, I don't know everybody, but I don't know anybody doing that.

Adam Zach:

So I really love that and we've been doing this a long time, so that makes me feel good, or it's scary that I'm a pioneer and I'm going to get shot in the back with arrows because we're not, because we're not thinking about something, but we use a real estate and every transaction there's an appraisal on every transaction. The tenant, buyer gets a home inspection yeah, prior to everyone. So they know exactly what they're getting into and that's why you know the repairs and maintenance are on them, because they're more like a homeowner. So the investor likes that. You know there's either no repairs or CAPEX and it's just an interesting way of getting people into a home and having investors cash flow, cash flow, some money, especially in this economy.

Dwan Bent-Twyford:

So find the investor. I say, hey, adam, I've got five minutes I want to place and maybe you find, like a person, 500,000 on our house. How much interest am I making?

Adam Zach:

So I would say maybe a net effect of like 10% or a 10% cap rate. However, most of our individuals are leveraging.

Dwan Bent-Twyford:

Yeah. And that cap rate is still really good though.

Adam Zach:

Relatives, yeah, so cause, and it changes right. So a year ago maybe it was a 7% and now, like, because most of our investors are borrowing at 7 or 8%, there's got to be some sort of yield on that, because if they were borrowing at 7 and lending out at 7, there's basically no profit. And who and there's some individuals that are okay with just a 7 or 8% return, but otherwise it's like okay, you could have what? Well, what I like is double digit returns back by real estate, and so that that's a fun, you know, kind of fun avenue. But in that example, you know, I would say, okay, well, the tenant, buyer brings in 100,000 instead of you bringing 500,000. Another table just go get a loan for 400,000. So you're into it for zero. Your mortgage payments 3500, PITI, whatever, and then you charge them 4200s, your cash flowing 500 or $700 a month with no money in, and you have a property at an 80% loan of value. So in the event that they default financially, it might actually be in your best position.

Adam Zach:

And then we stumbled across something I was like well, how do these banks do it? Because they have, if somebody's putting less than 20% down, like, there's risk for them, FHA, like 3.5% down, like they're going to foreclose, and like, oh well, they just do PMI. And I was like, oh well, can I just do that? And they're like, no, you can't, you're not a bank, you're not a loan. I was like, well, can I purchase like mortgage insurance, Like just as an individual? And so we went down that path and it turns out that you can purchase rent guarantee insurance, which is the added benefit of going rent with an option to buy. So if someone defaults on our rent-to-own contract, the investor still gets paid for six months of lost rent.

Dwan Bent-Twyford:

What's that called?

Adam Zach:

So it's called rent guarantee. There's three big companies that do it. Number one is the guarantors, number two is called LEAP I think it's LEAP-EASY now for what they branded it to and then single key was in Canada and they're launching in the United States, but it's like the equivalent of $100 a month that we then make the tenant buyers pay for, and so, if they default, you basically have this $20,000 to $60,000 insurance policy, because your biggest risk is them defaulting. Yes, and so we started layering all this stuff up.

Dwan Bent-Twyford:

I did not know that. I did not know that.

Adam Zach:

Yeah. So if you go with the guarantor's route, I think they have to have a minimum of a 620 credit score. But LEAP, they literally don't do any underwriting. You just place a coverage amount and pick anywhere from $10,000 to $50,000 and away you go.

Adam Zach:

But I don't trust this because it sounds too good to be true, and so we started enforcing that on all of our policies over the last seven months, and so now we're just placing rent guarantee insurance, pay $100 a property on it, and, just for the peace of mind, that if somebody has to go, they pay $1,000 for eviction and $1,000 for repairs, and up to six months of lost rent, which could be $2,000 a month, adds up pretty quick. Like. The worst is when you have the holding costs you're paying the mortgage, you're not getting rent, you're doing the repairs and it's just like but it's now. It's like oh well, now we got. The worst case scenario is now we have the option fee Plus, we have this, you know, basically insurance policy, and so pretty excited about rolling that out with the whole goal of if there's some way of privatizing the mortgage industry, because I would really like to lower our cost to the tenant buyers we haven't figured out a way to do it, because there's a risk If you're bringing $500,000 to the table.

Adam Zach:

That's I want to make sure investors are protected. I want to make I understand as the tenant buyer picking the home, and so we're just trying to find that balancing act of what the market is willing to do and I hope that someday that I can be at a lower I'm going to call it effective monthly payment than even Fannie Mae, just to get smarter.

Dwan Bent-Twyford:

That really does fill a void, like that's between the people that want to rent, between the subject tos, the people that really have the money, want to buy the house, but the credit is just like not there. That is really. That is a niche that does need to be filled. That really is brilliant. Did you come up with that?

Adam Zach:

We did 100%. But this was business number five. So I could tell you about business number one, that was done. Business number two, that was done. Business number three that was like okay.

Adam Zach:

Business number four was buying a house for college kids. I said, hey, college kids, go pick a house for sale and pay the 1% rule, I'll just go buy it. But then they left after a year and then the market rent came back and I was like, oh well, that didn't really work. And then I stumbled upon Chris Cron and Joe McCall and Wendy Patton. I was like, oh, what's this lease of that option? So I'm like, okay, well, we got an existing inventory. I was like, okay, well, that's one way of doing it. Well, wait, well wait, I don't want to hold the property. What if they actually picked out the home Before I even knew about Divi Homes or Home Parties of America? We just started going around. That was like, hey, banker, do you have anybody? That you denied. They're like, yeah, here's somebody. I was like, well, what if I buy them a home and they just refinance with you in six months?

Dwan Bent-Twyford:

Yeah.

Adam Zach:

Like well, I like you because you got a real estate experience, you got a credit score, you got W2 income. I was like oh, let's try this and see where we go.

Dwan Bent-Twyford:

Nice. Honestly, that's brilliant. I love it. Come here, see foreign wide. That will get spread foreign wide now.

Adam Zach:

Wonderful.

Dwan Bent-Twyford:

So my next line of thought would be OK, I'm the homeowner, I got a house, you got me, and I'm like, oh, adam's a rock star. Now I have obviously some credit issues or something that has to be fixed, or I could have gone to a bank. So do you say like, ok, here's a person, or here's a list of things, or here's how we're going to make your credit stronger, and do they have a time frame, like, can they live there one year, two years, five years, 10 years, forever, till the end of time?

Adam Zach:

One of my.

Dwan Bent-Twyford:

That's too many questions at one shot.

Adam Zach:

That's a great question. One of the things that breaks my heart is people that put people into homes knowing that they'll never buy the house. They take their five or 10 grand, go for a year, rinse and repeat and it's extremely financially lucrative because you're basically getting 10 grand every time, then turning it over. And so our podcast, pre-approved, is dedicated only to the people doing rent to own and how to do it the right way without getting caught. So all of ours are three year right now. Three year lease with the house to buy.

Dwan Bent-Twyford:

That makes me happy to hear you say that, because nobody can fix their credit in a year to turn around when they need to, and that makes me mad to see people do that and I was like yeah, but you know, in a year they can't refinance that house, like they need to. They need three years and I do my subject. Twos, I give them five years before they have to refinance.

Adam Zach:

I love that.

Dwan Bent-Twyford:

Because you can't fix your credit that fast.

Adam Zach:

And the truth is, they honestly believe that they can fix it in a year and a lot of some of them do. But sometimes, like, credit is just weird, or getting your tax returns or whatever it is Like, it just takes longer than you think. And then adding in extension clauses into our options so that they can extend it if they need to be and that was part of the reason that I became a mortgage loan originator. I was like, okay, I really want to, instead of just saying, okay, go, make sure you're talking to a loan officer, make sure you're talking to a credit repair specialist, make sure you're talking to a debt consolidation person, whoever it is like, instead of just saying like, hey, you should do this. It's like, okay, how is that now a service that we bring in house? And so, also, I'm.

Adam Zach:

We're trying to launch what we're calling mission home possible, which is, basically, how do we get everyone that is in an existing rent to own contract for deed whatever, eligible to actually buy the house, because that's a win for everyone. Everybody wants them to buy the house. So it's like, okay, what would that look like? Is that a community? Is that a course? Is that? And so right now, it's, we're not live with it, but it's something that we're like okay, we've identified this as a pillar to success in our own program. Step one is just getting them into the house, because they're already, you know, giving us five-star reviews for just getting them into the house, because they're like that's what they wanted. But it's like, okay, well, you got into the house, but we still want you to exit successfully, because then it's a win-win for everyone, especially when we put people in the houses in 2019 or 2020, and then things shot up and they're like, oh, that's pretty good.

Adam Zach:

Of course it could have went the other way, and then the investor, you know, would have actually been caught with it. So there's some benefits of doing a lease option if you have some downside protection, because you have the right to purchase but not the obligation in that specific sense. And so that's the next pillar of what we're experimenting with is like, okay, how do we put them into the underwriting? How do we do this credit repair? What if simulator that the loan originators use? Who's the best credit consultant? You know credit people that we can do. And then how do we I don't want to say force them to do it, but how do we increase the likelihood that they're gonna buy back the home? Because right now it's at 80% of who's bought back the homes, which in our industry is incredibly high.

Dwan Bent-Twyford:

That's high though.

Adam Zach:

We've and I think it's gonna come back down because we approved a lot of people that we may be shunt of. That like, okay, we're gonna eat the financial costs. So that's just like a business, like startup, lesson learned. It's like, oh, you get a home. And you get a home because they're like it sounds good. And then they're like, oh well, turns out I'm not paying it and I didn't take care of the house. They're like, oh, I wish, I wish we would have learned a little bit more.

Adam Zach:

And so some of them we, you know we own a lot ourselves and any single pre-approval that we offer out we're gonna take ourselves if some investor doesn't want to. We're at the point right now where anybody that's anybody that's on our email list as soon as we send out a deal, it's gone. Because they're like, in this market, if someone's putting 10% down and I'm cash flowing, like at a 12 to 20% cash on cash ROI, they're like I'll take that all day, every day, and so and so. That's the work. It's always kind of a two-sided market of like, okay, what's the investor willing to take from a risk to reward and what's the tenant buyer willing to pay? Because an effective 9% interest rate is relatively expensive, but versus what alternative? You know, they could just rent.

Dwan Bent-Twyford:

Yeah, I do the same thing on a subject too. You know, we raise the interest rate, we do all this thing, stuff like that. Now, if they don't qualify, say in three years, do you say, okay, we're gonna sign new documents, you're gonna pay some closing costs and we're gonna extend. You don't just boot them out to you.

Adam Zach:

So there's, I'll call it, three options. Depends on which vehicle instrument that we're using. So let's say it's a lease with an option to buy At the end of three years. They have an option to extend for another 12 months for $5,000 in general. So like that's one option. Number two is they can negotiate where they're like hey, like what if we did this, can we keep everything the same? So that's based like the whatever. Or they could truly just be like hey, I'm done, I'm walking away and I don't want the house. Or, number four let's list this house. Whatever we get beyond our investment, you get to keep. So maybe they walk away with money, maybe they break even or maybe they lose some. Just like if you bought a house today and tried to sell it tomorrow between closing costs, you know it's not a financially smart move, but if they've been in there for three years and maybe they have the equity, we're just like okay, list it. Here's what you owe. Anything above that, you get to keep.

Dwan Bent-Twyford:

I love your business model. You guys are so smart and so well thought out and young. You're young to be like. I didn't start my first filter I was 30. So by the time I was 35, I still didn't know that much stuff. So I love, I really love that business model and you do it anywhere in the country, right? Anybody anywhere that needs a loan.

Adam Zach:

Right now we are, which wakes us unique, but also a lot of learning curves, because there's different states are getting real estate attorneys and figuring out what to do.

Adam Zach:

But what we found is the most success has been kind of the Midwest to Southeast, where the price to rent ratio is more affordable, because if you're in Colorado where you got a $500,000 house, someone can rent that for 2,500 or 3,000, or I don't know the exact metrics, but in general it's like maybe it's probably like a half, like one to a point five ratio, whereas in Illinois a $250,000 house I can rent for $2,500 a month, which an investor from a cash flow play would much rather do that, even though Colorado is gonna crush it on appreciation, than this, you know, property in the middle of Illinois.

Adam Zach:

They would much rather, at least from what we're understanding, play that because the tenant buyer is getting the upside because they were walking in a price at 4% appreciation, whatever per year, whereas in I would love like me personally as a tenant buyer, I would love to do lease options in Colorado right, like ooh, I can get into this house at 300 and lock in a price at 315 for three years, like I'll take that all day. So investors is like, well, if I'm not gonna get cash flow, I want the appreciation or the debt pay down. And so most of our clients, you know, are from the North Dakota down to Georgia kind of diagonal, with like kind of a swath like going through probably more reasonable price to rent ratios.

Dwan Bent-Twyford:

Yeah, it's funny because we buy all of our rentals in Iowa, in Clinton Iowa, which is right on the Mississippi River there's a bridge right there in Illinois, right there, and we do the exact. We do it for that same reason. The pricing doesn't go up or down, doesn't go crazy, but the rent is good and everything's like. It's always steady. Because here in Colorado, like, honestly, like a house that's like kind of a hood house, they're like 500,000, 475, and, you're right, they run for like 2,000. So I could take the same 500,000 and I could go buy some $50,000 houses that will rent for a thousand bucks a month all day, or have this one that's renting for like 2,500. So, all right, when you say Illinois, it's like, oh yes, I am right on the water, they're with you.

Adam Zach:

Right there You're in the state with much less property tax. Illinois is way. I mean it rivals the Texas of the world, I think it's like you know, besides Hawaii it's pretty high in property taxes, so I like that you're picking the right spot there. But to that same point, like sometimes I still get a little bit jealous of, like you mean, you just bought a house in Colorado, did nothing with it, held on for 10 years and all of a sudden you've doubled your equity.

Dwan Bent-Twyford:

Yeah, that's true.

Adam Zach:

And it's like well, I like the cash flow. But I also like some people like, yeah, I just didn't cash flow anything, but I just held onto it for five or 10 years and appreciated by 12% per year because you bought it at the right time and I was like, but you didn't do anything. And so like I'm like, oh, of course you did. They took the action, they bought the home, they sat like they were sitting, but like, so that's part of me, like just the investor in me is like, oh, like sometimes it's just easier to just play the equity swing in California and Colorado and Florida and just like ride that versus like, oh, you're trying to do everything to get the cash flow. But you're right, it's, they're not gonna grow by a bunch and they're not gonna decline by a bunch, so they're just gonna give you stable, steady cash flow.

Dwan Bent-Twyford:

Yeah, that's why I just like I just the steady cause. You know, in the big long picture I wanna have a bunch of rentals and have all my buildings paid for and just like not worry about it. But you know what? I'll tell you what, being in Colorado, when they legalized pot, the property values went like so many people, like I could not believe how many people moved into the state. It's like, for the love of God, why are all of you moving into the state? The traffic, everything's so bad. You could, it was. It's astounding how many people actually moved into the state, and even in the mountains. It's like, oh my God, why are so many people living in the mountains? We all live up here for privacy.

Adam Zach:

And now, all of a sudden, there's construction and traffic and people going everywhere.

Dwan Bent-Twyford:

And all the highways in Denver. There everything was like a four line. Now they're making everything six line. It's like, oh, for how long is this happening? But I don't think the state truly realized how many people like it seemed like millions, just like poof they were living here and a lot of medical, because I know I know some people in the medical field and they, you know a lot of people moved with their kids. They have seizures, medical marijuana like all the stuff. But they were really not prepared, truly, because they had built so many apartments down around in Denver and around in the hospitals and taking all these old buildings and made them into lofts. And I so many times on the news they were like we need nurses and doctors and traveling nurses, like come to Colorado, come to Colorado, like we need more people because so many people moved here.

Adam Zach:

And do you get to? Do you get to friendly, like, do you know where they came from, California? Or just like the statistics of here's the jobs, here's where people can have fun, here's where everybody wants to live with the mountains? Cause, like, I don't, I don't hear. You know I, you know I forget the four corners of you know the. I've stood there before where it's like. You know you're basically in the four states of Colorado. I forget if it's Arizona, utah and I'm missing the other one.

Dwan Bent-Twyford:

I don't know I should know, I do know, but I don't know right now. But it's just like for some reason.

Adam Zach:

I just hear everybody just enjoys Colorado.

Dwan Bent-Twyford:

I mean, it's a beautiful thing, it's a beautiful state, but I'm telling you and even to you know I'm 64. So when I was a teenager, it was the seventies. So when we smoked pot we were like sneaking behind the barn and like we were, everything was sneak, sneak, sneak. And now, like you go down to any, you just go walk downtown Denver, everybody just smokes weed. And there's that peace in me. That's like, oh my God, you should be hiding that. You can't just smoke on the open like that. But then I forget. It's like okay, but it's legal, so you can. So even today, we just went to an outdoor festival a few weeks ago and I was like I can't believe people just walk out and smoke pot. Cause in my mind is still like you should be hiding, like I had to hide to be able to do that People would just pop in and walk and I'm just like everyone's just down here and I'm like I don't like to smoke.

Adam Zach:

I don't like to smoke pot.

Dwan Bent-Twyford:

So I really don't appreciate, like everybody being stoned, you get behind a car. They're driving like five. You're like, oh my God, get out of the way and you're on a mountain road. You can't go around them. You're just like they're smoking. So it's funny my husband's never smoked in his whole life. I don't get it and I said, honey, every time you get behind a slow port and stop rushing up on them, you're not gonna make them speed up, you're gonna freak them out, they're gonna go slower. So just stay back, let them drive five till we get to the main route and then buzz past the people.

Adam Zach:

Yeah, and you know, like, even if you can't, you can probably recognize it from how they're driving, what they're doing, the fellas like man. When I was in Colorado, I was like man, I just smelled it everywhere. Like you, like you, you could, you could be. There was a strong sense. I remember my, my wife didn't even need her pregnant nose at that time, cause she's, you know, every time you get pregnant you get that the super sensory overload of like different things. She's like, oh, I smell it everywhere she's everywhere.

Dwan Bent-Twyford:

It's everywhere. There's no place you can go in the mountains you want to go for a hike? People walk by you. It's like, seriously, can I not just enjoy the sanctity of the pine and the mountains? It is everywhere, which is fine. I was like, hey, teach your own, go have it so, so, if so if trees Like wood, really it's everywhere.

Adam Zach:

So if trees take our oxygen or take our carbon dioxide, change it to oxygen and then we take the oxygen and change it to carbon dioxide, is there equivalent of a reverse pot tree? Can we plant enough trees that like suck up all the smoke from the pots?

Dwan Bent-Twyford:

I don't know. I think all the trees are stoned. You can't even go for a walk. I mean really, it's just like oh my gosh, I don't know.

Adam Zach:

I don't know. That's a good thing.

Dwan Bent-Twyford:

We should look into that. That might be a business waiting to happen that was sparked here on the podcast.

Adam Zach:

Oh man, I like that. The trees are all stoned.

Dwan Bent-Twyford:

Oh, I mean seriously, I like to go walk with my dogs. It's like oh, everywhere, and I don't mind. I know, I just like. I know I'm like old, funny dad Doesn't like to do the stuff anymore. It's like, seriously, guys, just give me one fly. I can sit in my own yard, though no weed here.

Adam Zach:

So You've built that luxury.

Dwan Bent-Twyford:

Oh it's funny. It is funny it was. I mean, I'm more used to it, but in the very beginning I was always like, oh my God, you guys are gonna go jail. Like don't do that. But you know, it's like it's a hard mindset to change because till I was 55, it was like that's illegal, you can't do that out in the open and people just drive and then their car's smoking. It's like I don't think you're supposed to do it. When you're driving, though. Things aren't like drinking and driving, but Nobody's.

Adam Zach:

I don't know the rules around that. We have a quite got there I don't know.

Dwan Bent-Twyford:

I'm pretty sure you're not supposed to be like popping a joint with a bunch of people in a car while you're driving.

Adam Zach:

Yeah, cause you, can you do the same breathalyzer test as the same equivalent? Or is it have to be like a blood test Cause like, oh, when every time we're worried about it, cause we'd always booze cruise, where you drive the dirt roads and you drink and then like, oh, if you get caught, it's like oh, they could just breathalyze you and then you know that's it. But if you're under the influence of something else, it's like, oh, they can maybe do the eye test. Is that a? You know?

Dwan Bent-Twyford:

I don't know, I don't know, but I know you're not allowed to drive while intoxicated and they consider that to be, or driving under the influence. I don't know. They probably have a test for it, but I will not smoke to find out. I'll read about it on the news.

Adam Zach:

It's a better way of learning. Yeah, I'll get there and learn.

Dwan Bent-Twyford:

I will say that when it first came out I thought, well, you know I haven't smoked since like the 80s. I think I'm just gonna like let's try, just you know, one time. Probably shouldn't be talking about this on my podcast, but all my people already know. So you know, and this is before your time I get in the 70s like you could have a bunch of people and have a big old joint and literally smoke the whole entire joint and this stuff they have now. I am not even joking. You take like two pops and you're for me. I'm like gone till next week. It is so strong, it's such a. I smoked with my son Two pops. I was high till like 8 am the next morning. I was like, okay, I don't know what this is, but I don't want no part of this. This is like no, I am out. So I was like one and done. I said I am never. That was like a decade ago. It's like I am never doing that again.

Adam Zach:

It's awesome You're telling me if I want to have a spiritual experience, I need to come to Colorado, lock myself into some nature, and if I take two, two, two puffs, then I'll really, I'll really have an encounter.

Dwan Bent-Twyford:

My God, I was so high and my husband doesn't ever smoke, he's never drank nothing and my son and I were like I don't know, 8 o'clock at night. I was like I'm gonna try. You know, I used to like it back in the day I'm not even joking All night midnight, one, two, three, four, five, six. I'm like, my God, the sun is coming up. How is this humanly possible? So finally, I was like screw it. So I'm like I should not say this. But I took a Xanax. I was like I need to come down, I need to go to sleep something. I'm just like I'm out of my mind here, isn't it an hour? I've eaten everything in the house and it's too much. I was like I don't understand how people can sit there and smoke pot like they do, so not my thing. So now I'm proud to say it's been a decade, but it did try it because it was legal and I thought you know, I'm curious.

Adam Zach:

Curiosity.

Dwan Bent-Twyford:

Yeah, I was like I'm here, I have to kill that cat. That was a one and done forever. So I see these people and they're popping and popping. I'm like how are you walking? I was literally still until the next day. How are you alive right now? I don't get it. It ain't my thing, so I don't know. But I mean, people are very happy in Colorado, People are very friendly. Everyone's like hey man, what's up and where you go. So I'm like I like the happy vibe. You know, you never see two stone people fighting like you do drunk people. So there's some benefits, I think.

Adam Zach:

You know, I haven't noticed that we get a lot of the drunken brawls here. I don't know what it is. It's the lack of innovation, but all of a sudden everybody's a MMA fighter.

Dwan Bent-Twyford:

Yeah, oh yeah. I've worked in the bar business in my 20s so many people drinking and getting to fights and I've never seen two stone people fight. I think they're just like nah, it's all good here, take this and everybody's fine. I don't know, I have no idea. I don't even know how we got up on that. We're gonna talk about you, but you know what? That's why we just roll with whatever comes up, cause we just have fun and we're both wonderful today. All right, so let's jump some topics, not that we didn't just jump, but we're gonna jump again. Tell me your favorite band of all time.

Adam Zach:

Favorite band of all time is John Bon Jovi.

Dwan Bent-Twyford:

Wow, really.

Adam Zach:

I don't know what it is growing up in the. Well, I was born in 88. So if it was growing up in the 90s, but I think it was like that, you had to wait so long until you could hear like the song on the radio because you could just play it on iTunes. You couldn't have it on demand. It's like oh, once it's my life came on, or something like that, and she's like oh. Or you're watching like MTV and like you're like oh, I hope he's the number one music video you know this week and you're you know for, for whatever reason that's, that's. That's the one that, if I'm still never seen him in concert, because I not as avid of a music fan as I used to be in high school, like I went through techno, I went through that.

Adam Zach:

I went through you know all different phases and then I kind of lost touch. And so every time I hear music now, because I'm used to listening to like audio books and personal development and podcasts, I'll listen to music. I was like, oh, what a pleasant experience. Like I remember why people like music. It's like it's just such a great mindset shift and I can really appreciate it. And so, like I almost never listen to music. So when I listen to music now, especially when I go back to like the music that I enjoyed, I don't want to be like the 35 year old who's, like you know, feels like they're old, but like some of the newer music, I don't know that, I quite understand, you know quite yet, but like just taking back to some of the 90s and 2000s, like yeah, just that's it, it's the soul.

Dwan Bent-Twyford:

That was all the best music all the way up. I love Bon Jovi. I've never seen them either, but I don't think they have a single song I don't know all the words to, because I used to buy albums. I've got all their albums. It's like I love Bon Jovi. That was really good music. You know, raise your kids up with music.

Adam Zach:

Absolutely.

Dwan Bent-Twyford:

You have to really do that. You have to really keep that in your life because kids really like music and I know that you can agree. You hear a song and it takes you to a place. Every song that you like takes you somewhere and you want your kids to grow up with memories like oh, I used to dance in the living room with my dad on that song and I saw this person in concert. My mom took me here. Music is a big thing and good for you and Bon Jovi. I did not expect someone at your age to. I love Bon Jovi.

Adam Zach:

Yeah, it's said. He said the big hair days.

Dwan Bent-Twyford:

It's like Lord have mercy. There was nobody more gorgeous than John Bon Jovi. It was like Lord, what's your favorite food?

Adam Zach:

Favorite food Would be pizza. I don't know how I, how do I get around or what they do. I was even over in Italy for a while and for some reason I was like, oh, italy, they're known for pizza. I'm going to go over there. Like, oh, this is going to be the best, and I was like, turns out, americans must just put so much salt, sugar and fat into something. That had like ruined pizza for me Because, like you know what turns out, I really like Domino's or Papa John's and this like Italian, like somebody was slaving making the dough, and I'm like turns out, this is kind of healthy for me. I don't know if I'm supposed to like it or not supposed to like it, but I was like I enjoy every kind of pizza but, for whatever reason, apparently it's only the healthy pizza, because I grew up on basically throwing a pizza into the oven like two or three times a day going through college and then I discovered breakfast pizza and I fell in love when you put some eggs and sausage on it.

Adam Zach:

I was like now I can have it for every meal. It's awesome.

Dwan Bent-Twyford:

I went to Italy and the person had pizza in Italy. It was like what is this? It tastes awful. I was so disappointed I didn't dare say anything. I was like this pizza tastes terrible.

Adam Zach:

And is this what you all are known for, or something like that? Or should I order lasagna?

Dwan Bent-Twyford:

Oh my God, the same thing happened. I totally get it. I was just stunned how different it was. Like this terrible what. I didn't have any. I've been there three times. I only had it one time and I was like that's it.

Adam Zach:

Oh God, that's the one I'm going to open up a Domino's change in Italy, and I'll open up right next to Dora, like, hey, you can try the local and then come get your fix, you know for.

Dwan Bent-Twyford:

I'm like I, I, I know how to percent get that vision, because that's exactly what happened to me. I was like, hmm, and I look for like Domino's and pizza. I can't find anything. It's like, oh well, okay, that's funny. Okay, what's your favorite part of the day?

Adam Zach:

Favorite part of the day is the two hours I get to myself before my kids wake up. Not that I don't love my kids, not that I'm like trying to try to get away, but there's, I've now trained myself. I fall asleep with my kids every single night, or 99% of the time, so I go to bed at eight o'clock. So I'm kind of weird like that. And so it turns out my body's just up at four because I've already gotten eight hours of sleep, besides my toddler kicking me in the nuts four times and slapping my face because we're co-sleeping in the same bed, but regardless. But besides that, then it's like okay, I can actually get up. They need 10 hours of sleep. So I get up, do the kind of miracle morning routine, maybe go to the gym and get back before, either as they're all waking up or kind of before they get waken up, and then you got the sunrise, get a little bit of prayer and scripture in it's.

Adam Zach:

I feel, like if I win the morning, I win the day.

Dwan Bent-Twyford:

Yeah, that's good, awesome, amen. Ah, before they kick you in the nuts, we have talked about literally everything on this show today. They've gone from wheat to nuts to pizza. You are so much fun, adam. Okay, so just tell me one more time how did people reach you? Sure?

Adam Zach:

So if they're specifically interested in what we're doing from the investments, because it is fairly new, because we used to just honestly steal all the deals for ourselves and we would just buy them all. But now my goal is like, if I can help other people quit their job, that is fantastic leveraging real estate. So the only way right now to get it get to us is home equity partnercom slash investors.

Dwan Bent-Twyford:

So without that there's not even a link to go to it. Home equity partnercom forward slash investor.

Adam Zach:

Investors.

Dwan Bent-Twyford:

All right, I should know this I thought I'd make sure of it, because when it's on now, I want to make sure it's working.

Adam Zach:

Yeah, no, it is investors with an S, so let me check that out. Or if there's people that just want to find me on Facebook, you can search Adam Zock there. And then the other group that I'm really looking at building is freeing dads from their jobs, which is engineeringREIcom.

Dwan Bent-Twyford:

I like freeing dads. That's so neat, reingincom.

Adam Zach:

EngineeringREIcom. So I used to be an engineer, so it's like engineering real estate investments but engineeringREIcom.

Dwan Bent-Twyford:

I love that Freeing dads like what a great thing, you're so great, you are just so great. So I just like to summarize. So you're home equity, partnercom and best stores and you basically help people that can't. So I like I take notes, I can do like a summary, and you help homeowners that almost can get into a home but not quite. You help them get in the home. They can shop the homes to the MLS. You have investors who will put up the money, ideally in three years. They fix their credit and they refinance or possibly sell or give it back or all really great things to do.

Dwan Bent-Twyford:

I just really like that, because I don't know anyone that does that and that's a really great niche. I hope you like completely dominate that niche, that I will help you in any way possible to make sure people find out what you do. You like Bon Jovi, you like pizza and you like the morning, and I actually have more questions but I didn't ask them because we got sidetracked on other stuff. So is that a little bit of a summary of what you do?

Adam Zach:

You nailed it, thank you for the wonderful summary. Oh and you play, oh and you play.

Dwan Bent-Twyford:

Cheshire, the state champion in Chastow. I love that too. And your family with a business, not a business with family. You got it. I had a lot of questions here, but we got talking and laughing.

Adam Zach:

I didn't ask them.

Dwan Bent-Twyford:

I feel like that's a pretty good summary. You're a super awesome guy, so I am highly recommending that you all work with Adam Zuck and I said Zach in the beginning and it's Zuck Now. Last thing, oh, and also, if you guys had fun today, if you laughed, if you learned anything, I want you to start following and subscribing and to my podcast. And what is the name of your podcast? So we have the pre approved podcast, the pre approved podcast.

Dwan Bent-Twyford:

So, subscribe to both, because I was going to tell you you all know, hear me say this podcast or a lot of work. So subscribe to both. Give us some five star reviews, go to Dwandervollcom and opt in and you'll get a free ebook and flip your way to a fortune. And it talks about wholesaling. Okay, so I am last thing of the day and I'll let you go and I need so. I always like everyone to give us a word of wisdom, but it can actually just be a single word, like our word.

Adam Zach:

So if I'm choosing just a word, I would say leverage is my word.

Dwan Bent-Twyford:

That's a great word. No one's ever used that word before.

Adam Zach:

Whether it's finances, whether it's your own skills, whether it's a word or your own skills, whether it's other people, just figure out what you're really good at and pull on that lever.

Dwan Bent-Twyford:

I love it. Leverage. Okay, guys, there's your word of the week. So first of all, I want to thank you very much for being on the show. I appreciate your time, your energy and how valuable time is, and you and all of you listening, and then you could be doing other things with your time. So I appreciate you. Spending it with me today Does not go unnoticed. And then we'll be back next week, same bat time, same bat channel, and remember that the truth has been the red letters. All right, everybody, see you next week, ciao.

Adam Zach:

Bye, adam, bye-bye Take care.