SPEAKER_01 0:00

All right, guys, welcome back to another episode of ISM Radio. I'm your host, Gage, and I happen to be sitting here tonight with Victor Stabil from Douglas Eleman. And we are here at Ohica Castle for the first ISM executive networking event, and we're grateful that you came tonight. We really appreciate you stopping by.

SPEAKER_00 0:18

Thank you for having me. This is wonderful. What a beautiful place. Yeah.

SPEAKER_01 0:21

Have you been here before?

SPEAKER_00 0:22

Is this just Only once I had lunch with Dean.

SPEAKER_01 0:24

Okay, so you did come here prior. Yeah. And you had lunch at OAHK, which a lot of people don't even know. There's a restaurant inside this castle. The food's great. The food's great. Service is great. Executive chef Reed Jalad. He's unbelievable. And it was a hotel here. People have been having venues, weddings here in this venue for, you know, a very, very long time, and they know about that, but they don't know about all the little things that go on here. There's tours, there's so much happening. You would never know. You would never know. So you got to check it out at ohika.com. And we're very appreciative. You know, ISM does a lot of work for them, but here we are tonight. It's about you and what you're doing. So 17 years you're in Stony Brook. Right. And for the last seven years, you're a licensed real estate agent for Douglas Element. Sure. Tell us how you got into it and your passion behind the work that you do.

SPEAKER_00 1:07

Well, yeah. Well, my I had a career before this. I was actually in the beauty industry for 30 years.

SPEAKER_01 1:12

Okay.

SPEAKER_00 1:13

And uh I knew when I was done with it, I had a few people that would come into the uh into the business. And uh when I started to say, I'm looking for a different career, they'd be like, Well, you'd be great, you know, at this because you're so personable and you know, you could start up a conversation and a relationship within the first five minutes. Because that's what you have to do in any industry.

SPEAKER_01 1:35

It's a connection, it's a connection. Absolutely. It's a connection.

SPEAKER_00 1:38

So when I was when I was serious, I went over to um one of my clients who was uh actually working at a different uh a different house, so to speak, like uh whether it be coach or Coldwell Bank or one of those. It was a different and um it was it it was it was exciting because I knew I wanted to change careers. And um to me it was it was a it was a great fit. Okay. It was a perfect fit. And I knew that I didn't want to stay in one space all the time, right? Like an office or you know, right.

SPEAKER_01 2:08

And this is bouncing around to show people the houses, right? This was right up your alley.

SPEAKER_00 2:12

I love meeting people, right? And I love helping people. Excuse me. Yeah, no problem. So to me it was it was great. You know, I love dealing with people, especially on the first time. So if if someone's coming to buy a home, to me, I want to find out where they are in their journey. Right. Are they pretty lender? Right. Do they have their own attorney? Because it's very important for buyers, especially, especially buyers, new buyers, right, to have a proper team around them. And I have a great team as far as lenders uh who get the job done, who get you to closing, who will really iron out a lot of problems that people aren't even aware of.

SPEAKER_01 2:52

Right. So give me what what are some of the problems that would arise during a new home.

SPEAKER_00 2:55

Oh, good lord. I mean, you get some people who who right before the mortgage process, they buy a new car.

SPEAKER_01 3:01

Right. And they didn't think that that would affect them looking into your financials. Exactly. So these are the advice that people need.

SPEAKER_00 3:08

They have so much rogue revolving debt, and now they have a car on top of it, or or they bought uh an RV. And these are big things.

SPEAKER_01 3:16

Right. So, what's a good time frame for people now that you brought that up? What's a good time frame for people to come to you and say, hey, listen, I would like to purchase a house 12 months from now, six months from now. What's the realistic date? And here's my situation, how can you help me? And you put them through fixing the credit, getting the things in order to help them so that your lenders can now approve them and get them. What would the process be?

SPEAKER_00 3:37

What's the right people are surprised when I say, Listen, you're not ready to see a house yet.

unknown 3:42

Right.

SPEAKER_00 3:42

And they're like, What do you mean I came to you? You're the expert. I said, Yes, and please listen to me.

SPEAKER_01 3:47

Let me be the expert here.

SPEAKER_00 3:49

Right. There's no sense me taking you shopping without money. Right. You don't know what you can afford. Right. So please talk to one of one or two of my lenders and see who's a good fit for you. Because then they'll tell you exactly what your what your financial picture looks like.

SPEAKER_01 4:04

Based on your income, what mortgage you can afford, and then don't they need a letter saying that they're, you know, they have to have a usually to go around and see a house.

SPEAKER_00 4:13

Some agents require that pre-approval letter, not a pre-qualifying letter, which is totally different. Right. Pre-qualifying letters says, yeah, you you probably will qualify, you'll probably get approved. But they haven't dug deep into your financials. Right. Right. So you want that pre-approval letter because you're 50% in the and they know that you could afford X amount, whether it's $750,000, $800, or $450 or $500. Right. But at least you know what you're shopping for. There's nothing worse than seeing the disappointment on people. In the beginning, I would show people just, yeah, I'll show you. I was excited, I want to show you. And I realized that they can't afford it.

SPEAKER_01 4:47

Right, you're showing them an $800,000 house, and there's no way they got the pre-approval on an $800,000 mortgage.

SPEAKER_00 4:53

Right. So you live and learn and just say, listen, uh, you need to get uh properly vetted so you know what you can shop for. You can't shop without money. Right. So let's find out what your budget is, and we'll go for that. And in these times, a budget is really it's an interesting thing between what we spoke before, low inventory, higher rates, uh and the supply and demand issue.

SPEAKER_01 5:18

Just like what happened with COVID.

SPEAKER_00 5:20

Right. A lot of people are getting outbid quickly because the people who are throwing more money at homes are so tired of losing out on these homes that they're putting a lot more money down or they're really bidding high.

SPEAKER_01 5:34

Right. And there happened to be at one point there were a lot of cash buyers in the market. There's still a lot of cash buyers in the market.

SPEAKER_00 5:39

See, and that does affect the process. It does. It does. It really wipes out a lot of the lenders. But you have to work around that. You have to get creative. Right, you're gonna get that in any industry. Any market. Any market. It's gonna be. Any market, you're gonna get you're gonna get that. So if there's if if you have a buyer who is just say they're pre-approved to $650, and you look at houses at $625 to start, right? They're gonna get outbid within the first four days.

SPEAKER_01 6:04

That's right, because somebody's been a good thing. 100%.

SPEAKER_00 6:06

Right. And we've seen houses go for 100, 110, 120 over the asking price. So I always suggest, say, listen, you could get lucky, and we can see these homes in that price range, but let's start a little lower.

SPEAKER_01 6:19

Let's be realistic because we have to we're gonna have to go up from that number. Right.

SPEAKER_00 6:22

So at least you don't want to get outbid. Right. You have some cushion to keep bidding, right?

SPEAKER_01 6:30

To get the ex the the end goal for you is to get the accepted offer. That's exactly right.

SPEAKER_00 6:35

You know, so the end goal is really to get a couple like that, and they realize that when they go a little lower, um, the house may come with some needs.

SPEAKER_01 6:43

With some work that's gonna need to be a roof, a kitchen, you know, a kitchen, some bathrooms, and a boiler.

SPEAKER_00 6:50

A boiler people don't look into the home. Right.

SPEAKER_01 6:52

Without that, well, the electrical conduit. The electrical conduit that's down, you know, that needs five thousand dollars just to they don't think of these little things.

SPEAKER_00 6:59

Right, right, right. So I enjoy taking people from all points of their journey and know exactly what where they are, what they need at that point. If they're in the middle of the road and they've talked to a few lenders, they're savvy enough to know what their budget is and what they can afford and where they need to start because they're so sick and tired of getting beaten up and beaten out.

SPEAKER_01 7:19

Right. And beaten, yeah, you beaten, you feel like you're getting beaten to the punch. You know, you don't get to that finish line and you keep getting discouraged. That's right. Which, you know, and people are looking at certain areas, you know. A lot of people look for there were there was a time when a lot of people were coming out of the city. Huge. When that was a big time for you. That was one of your best. Mass. Mass. And people were looking into specific school districts. 100%. You know, and that's where people want to be. And now you happen to be in a great area where you are. Right. Because you got an amazing university there. I love it. I mean, it doesn't get any better. You're there, what, 17 years now? I'm in Stony Brook 17 years. 17 years.

SPEAKER_00 7:56

To me, you know, being the face of Stony Brook Real Estate is my goal, and I'm getting there.

SPEAKER_01 8:02

And you've been the face for seven years.

SPEAKER_00 8:04

Seven years.

SPEAKER_01 8:04

But now we need to let the people know, and that's what this video is about and the podcast is about, and to let people know what you bring to the table. Exactly. Why they should be contacting you.

SPEAKER_00 8:13

So want to thank you and Dean for this opportunity. No, absolutely. We appreciate you coming tonight. It's an amazing, amazing location.

SPEAKER_01 8:18

Yes, it really is. And what we figured, what better? This is one of our clients, Ohika Castle is one of ISM's clients, and we figured what better way than to have an executive networking event at the castle.

SPEAKER_00 8:29

I love it.

SPEAKER_01 8:30

Here we are podcasting, yeah, talking about your business. Right. And you came down, had some food and some drinks, and what better than this on a Tuesday night? I met some great people already. Right, you met you met Corey and he's doing commercial real estate. You do residential, and there's a big difference between the two.

SPEAKER_00 8:43

People who want to get involved in commercial, you know, multi multi-levels and you know different hotels and boutique hotels. I just had that conversation. It's exciting.

SPEAKER_01 8:54

Exactly.

SPEAKER_00 8:54

It's exciting.

SPEAKER_01 8:55

And here you are, people, you're looking at the face of Stonybrook right now. So remember, Victor, because anybody looking for any kind of real estate, residential real estate in Stonybrook, you're gonna want to reach out and now let's touch on your team because you know you have a special team behind you. It's very, it's very hard. The business you're in is not easy.

SPEAKER_00 9:15

No, it's not.

SPEAKER_01 9:15

Okay, and you have to have the right pieces in place for you to make the process smoother and the transition better for people because you have first-time buyers. True. You have buyers that are looking to buy second homes that are now an investment home that they're gonna rent out. And so there's a whole process to this. Everybody's different.

SPEAKER_00 9:32

There's there's a lot to know. And when I first started, I thought it was so exciting. HGTV, real estate multi-millionaire in New York and LA.

SPEAKER_01 9:43

Let me go sell homes in the Hamptons. Crazy. And I'm gonna be the next big Hampton seller. 100%. And you stuck to Sony Brook, which is way cooler.

SPEAKER_00 9:50

Well, you realize that you have like any other business, any of the sales and service business, it's you have to brand properly, but the service has to be there. That's right. Has to back the brand.

SPEAKER_01 10:00

If the service doesn't, if the if you don't have service to back the brand, the brand is not going anywhere.

unknown 10:05

No.

SPEAKER_00 10:05

Service with a smile, show up, they are while you're there. Not you. Right. I'm not there because I think. Yeah, look at me.

SPEAKER_01 10:14

I'm the big right, I'm the big Stony Brook guy.

SPEAKER_00 10:16

I want to make every one of my clients, I don't work trans uh transactionally, it's all relationship and referrals. So to me, everybody, every deal, or every couple or every family that I'm working with is the most important thing.

SPEAKER_01 10:32

Right.

SPEAKER_00 10:32

I have I have a couple of agents that work under me that a few a couple, two of them are super young, and I'm nurturing them and showing them how to take care of people in a proper way. Like I said, I was in the another service industry for 30 years. So I've learned how to talk to people, and you have to learn how to find out what they need and and how to how to help them.

SPEAKER_01 10:55

That's right. So basically, you really in any industry, but in yours particularly, you really got to be a good listener. You gotta be able to listen to the needs that they want and not be the guy telling them what you're gonna do for them. You really gotta listen. And a problem solve. Because this is this is a major purchase in anybody's life. Doesn't matter who you are. 90%, it's the biggest purchase of their life. And I have friends that have four, five, six homes. They buy real estate, right? This is what they do, right? They flip, they buy, they do, they hold on to them, they rent them out, they have vacation homes, right?

SPEAKER_00 11:25

So I know the process behind it. I I have I have these many meetings and these mini seminars where I teach young, younger people or even older people who are changing their careers how to get a foot in. Like uh there's a house style called the high ranch. Everyone knows what that is, right? But it's the perfect model to live in and bring income in.

SPEAKER_01 11:46

And that's another thing that you brought up is a high ranch. So people want to have the mother-daughter, right? Where they could buy the mother-daughter and rent out and have an apartment and do it right with a permit and be inspected by the town. There's so much that goes into that. So much. And permits for the pool and the shed in the backyard that people don't realize that may affect the sale of a house.

SPEAKER_00 12:05

And some towns are very difficult. And people like myself who have relationships with a lot of these inspectors in multi-towns are very beneficial to the buyers and the sellers. Because we get sellers who come in and say, Listen, my father put the extension on, there's no CO. We put another bathroom downstairs, there's no CO. And you have to get around this. So I know some really great expeditors who get these permits done for them before the sale.

SPEAKER_01 12:32

That's right.

SPEAKER_00 12:33

And that's beneficial. People like, I thought you couldn't do that. Of course, you could do that. You want to be able to help out in as many ways as possible.

SPEAKER_01 12:41

Right. So you're able to help them with getting the permits. You're also help able to help them get them inspected. Okay. Okay. And then you're going to have them with the lending. So there's a whole process here and the team that you have. And now, you know, we were talking about brand before, but Douglas Ellen. I mean, come on. Is there is there is there a higher name on Long Island?

unknown 13:00

No.

SPEAKER_00 13:00

No. Douglas Ellen opens doors. When I go into, say, a listing appointment, and they know I'm from Douglas Elman, it's it's it gets you in deeper into the living room.

SPEAKER_01 13:12

Is it bad to say that it's also going to create a long line for people to get in and see it? Because this does happen.

SPEAKER_00 13:17

It does.

SPEAKER_01 13:17

The open houses are have are and you gotta put on little booties to get in, you know, so you don't dirty the carpet.

unknown 13:25

Right.

SPEAKER_00 13:26

Am I right? Easy on the new hardwood floors. Takes it easy.

SPEAKER_01 13:29

It's true though.

SPEAKER_00 13:30

Right.

SPEAKER_01 13:30

You know, but you guys have an amazing name.

SPEAKER_00 13:33

Yeah. It's it's an amazing brand.

SPEAKER_01 13:35

So it's got to be a little easier for you when you come in and you're Douglas Ellen. You know, sure. And I'm Victor from Douglas Element.

SPEAKER_00 13:44

And he I work out of the Central Suffolk office, but since I'm in I live in Stonybrook, I'm also out of the Setalcat office. And Brian uh manages five of the five of the offices. And the amount of support that I get, and other Douglas agent gets from the name alone and from Brian Jada is just right.

SPEAKER_01 14:08

Priceless. It's second to none. And it's that's the name you get. And like I said, the brand, which is what you're really trying to build up in Stony Brook, where you want Victor Stabile to be the face of Stony Brook. Right. And that's why he's here tonight, guys. To show you the face. Remember the face. Because you're gonna see him on the bus stops, you're gonna see him on all the Facebook ads and the Instagram pages, flyers in your house. And the flyers' newspaper. Well, we're hoping we don't have to do the flyers. We're hoping we can do you know, we're hoping the social media gets to them a little quicker these days because man, everybody's swiping through. Now, do you make videos of the houses to show you guys? Because this is a I have my own videographer. I was just gonna say this is a crucial part of your business. So part of your team, you have a videographer that goes in, takes the pictures, takes the videos, and puts them up so people can see the location and do a virtual tour online, and it probably makes it easier for you. It does. Because that's gonna paint a picture of does this work for you? Is this layout something you're interested in? Right.

SPEAKER_00 15:05

I do something called Victor's View. Oh, that's cool. I'll go into like I've done it in Port Jeff, North Port Smithtown, and I'll give a a whole view of the uh of the town, the median sale price, right? Um, what the taxation could be. Sure. How the town got its name, how it's like town was Richard Smith's bull, and the bull was named Whisper. Right. And they're like, oh, that bull has a name?

SPEAKER_01 15:26

Yeah, that bull's named Whisper. Right. I didn't know he had a name.

SPEAKER_00 15:31

Right.

SPEAKER_01 15:32

You know, but I came from Northport and we were Cow Harbor.

SPEAKER_00 15:36

An interesting story about uh Smithtown. Uh Richard Smith was given permission by the local natives that if he could ride wherever, how far as he can ride in a circle in that one, I think it was a few days or under whatever it was, it could be called Smithtown. That would be his town. Yeah. Get out of it. So he rode whisper all around what you know is Smithtown now. Wow. And he was able to encompass that as Smithtown.

SPEAKER_01 16:01

That's incredible. Pretty cool story. Yeah, no doubt. See, you learn something new every day. And I am a sponge. I love learning, so uh that's why I'm here tonight to learn a little. And I learned a little bit from Victor Stabil. You guys are gonna remember the name. We're gonna embed it into you with Douglas Ellen. And uh no, it's important, you know, because you love what you do, you're passionate about it.

SPEAKER_00 16:18

I really do.

SPEAKER_01 16:19

And when you meet somebody that's passionate about what they do, it doesn't feel like it's work to them. And when you don't feel like it's work to you, you're much better at your job.

SPEAKER_00 16:28

I get up 4 or 4:30 in the morning and I immediately plan my day after I've brain-dumped the night before what I have to do. Right, where you scheduled it all. I love what I do, right? I absolutely love helping people, I love getting that job done. And to me, it's about now they'll pass me on to their aunts, their uncles, their cousins, their audience.

SPEAKER_01 16:47

Sure, because you did such a good job for them that they want to share.

SPEAKER_00 16:51

My goal is to be referred out because I've done a great job, or I've gone over and above, I've gone to their house and I've helped them.

SPEAKER_01 17:00

You've met the family, you and you got them on a big purchase. You know, you you're really helping people with a you know. Right. It's a big deal. It's a very big deal.

SPEAKER_00 17:06

It's a big deal.

SPEAKER_01 17:07

I can't think of a bigger one. I mean, what you're buying a car, a plane, any all that's extracurricular. This is what you're calling your home, this is your house.

SPEAKER_00 17:13

This is it's amazing how many people start crying when they get the transfer of keys after the every time it gets me.

SPEAKER_01 17:22

Of course. How could it not?

SPEAKER_00 17:23

You know, realize how business of people that was their dream.

SPEAKER_01 17:27

And they trusted you.

SPEAKER_00 17:28

Yeah.

SPEAKER_01 17:29

The trust is so cool. You keep exactly.

SPEAKER_00 17:32

And then you get invited to the the wedding with the Barbara Jusin, which is great. Right, right.

SPEAKER_01 17:38

We were all working off that winter wave, all of us. He's got the jacket highlight.

SPEAKER_00 17:41

I love what I do. I really love it. And uh, yeah, Stony Brook to me is that's my location, but I work the entire island.

SPEAKER_01 17:48

Right. So you're not limited to Stony Brook, but you just want Stonybrook to know that you're taking over. Stony. There's a takeover happening. My hub. It's going down. You've been there for 17 years. Yeah. And you're selling there for Douglas Ellerman now seven years.

SPEAKER_00 18:00

Yeah, you've had kids go through the three village school district. My youngest is going to be a senior at Ward Melville. Um, she's on the cheerleading team, and my oldest is now living in the city. She's a writer of you know, for Fox News. Right. My middle guy's going away to college.

SPEAKER_01 18:13

So congratulations. Now, that's a whole different feat in its own.

unknown 18:18

Yeah.

SPEAKER_01 18:18

Family in town and doing that stuff. You have your so your roots are planted in Stony Brook, deep. And this is what people should realize is that you're deep, and that's why you're deeply attached and love it so much. Right. So that passion that's there is what I'm talking about.

SPEAKER_00 18:31

I'm not just breezing through town.

SPEAKER_01 18:33

You're not bring you're not going anywhere. No. You're there. And now that you're there and you're building this team, tell me a little bit about the team that you're building and what it takes. You know, like for somebody new out there that's getting into this, that may want to come work for you. I I would love, listen, give me a call.

SPEAKER_00 18:48

You know, you can find me on Instagram. You can just reach out. Exactly. Go ahead. Give them the cell number. See that, guys? Yeah, anytime. I'm looking for people who are coachable. I'm looking for people who love other people. I'm looking for people who are extroverts. This is a it's it's a dynamic business. Right. It's not for the weak hearted, it it's and it's not for the It's not easy. You need some energy.

SPEAKER_01 19:16

It's not easy. You're gonna be going house to house to house, show them ten houses, and nothing works. And nothing works.

SPEAKER_00 19:21

No. Some deals are much harder than others. Some deals you could you show some a buyer and it's done.

SPEAKER_01 19:27

Give me the it could happen instantly, but give me the longevity of a uh one that took a little longer than made of, but it the process was worth it in the end.

SPEAKER_00 19:34

Great. Um, I've been working with this couple uh for two years. Two years. Uh and they had a very big budget and they were all cash. They were they were liquid up to 1.4 million, and we couldn't find a home for them. Wow. Yeah.

SPEAKER_01 19:48

And you you'd think and that was that because of supply and demand, or were they just picky about what they wanted?

SPEAKER_00 19:54

They were they were specific about what they wanted. Right. Um, maybe I wouldn't say picky, definitely specific about what they needed, because they have they have two children, they're coming out from uh fresh meadows. Okay, and they they knew they wanted to live a quieter life out in the sticks, right? So um I would work with them, like I said, for two years, and most of the time, even though they were cash, we were getting outbid. Wow. Yeah. We'd go into a house that was say nine nine nine, nine nine nine, just to keep it under that mansion tax, which is one million, right? Right. So and the bids would go up to one three one four at on the bigger houses.

SPEAKER_01 20:36

Yeah, so they were getting outbid.

SPEAKER_00 20:38

So finally, three days ago, we got an accepted offer. We ended up as a celebration on its own. I use um I utilize, but not use, um, my inspector at Premier Home Inspections, Rob Cicero, who was just amazing.

SPEAKER_01 20:56

Gave Rob a good plug there.

SPEAKER_00 20:57

Rob's great, Rob's a good man, right? Um so yes, that's a good plug for Rob because he's he's he's got an an excellent team, and my team is is is really growing nicely.

SPEAKER_01 21:10

Good.

SPEAKER_00 21:11

It's really growing nicely.

SPEAKER_01 21:12

But there's always room to grow. And that's why anybody that's looking to get into this and really learn and get part of Stanley Brooks takeover.

SPEAKER_00 21:19

Right, and the classes that that I give and and and the and the the support and the opportunities. Right.

SPEAKER_01 21:26

You're taking your time to teach people the right. Absolutely.

SPEAKER_00 21:28

I don't want to do this for a week or a year with them. I want them to get involved with my business. Career because the way I work the commissions is pretty lucrative.

SPEAKER_01 21:42

There you go.

SPEAKER_00 21:43

Yeah.

SPEAKER_01 21:43

So the phone number, you heard it, the door is open. Come say hello, don't be shy. Now, is there a website? How can people get in touch with you? You gave them your phone number just now. That's great. Your phone's gonna ring tomorrow afternoon or tomorrow night.

SPEAKER_00 21:59

It's the Same as my website. There's the Douglas Element website. You can see what I have listed, what I've sold. You can Google me.

SPEAKER_01 22:05

You can just Google Victor Stabile Douglas Element. He comes up in 20. You'll see Instagram. You see it all. Right. He comes right up.

SPEAKER_00 22:12

Hiding nothing. You can have a conversation with me. I'll lay it out. I'm a normal person and just give him a call. As many faults as I have good qualities. That's it.

SPEAKER_01 22:22

And we we know there's a lot more good qualities there.

SPEAKER_00 22:24

Right.

SPEAKER_01 22:25

But seriously, you guys should definitely reach out to him, especially, and you don't have to be limited to Stony Brook. So he's just the face of Stony Brook. But if you want a house in Northport, Ashroken, Eaton's Neck, or anywhere across Long Island.

SPEAKER_00 22:38

Seldon around Concord, Lake Grove, doesn't matter.

SPEAKER_01 22:41

The Hamptons. Show up. He's he's Muttontown. Muttontown.

SPEAKER_00 22:44

Anywhere.

SPEAKER_01 22:46

Yeah, exactly. So I think we made the point there. You guys know how to find them. Don't you can Google, I'll put the spelling, and we'll put some links in this video so you guys can reach out to him. And uh anybody else you want to shout out on your team or uh say uh thank you to or uh yeah, Brianna Murphy, Ryan Sheridan, Sam Ketchatore.

SPEAKER_00 23:04

See, this is gonna be people that uh you can't do it without them. No. I work. That's why they're on your team. Right. All right, guys. My lenders are just phenomenal Hector Piscini, uh Nick Cesarini, um, and uh Kevin Dayton.

SPEAKER_01 23:19

Okay.

SPEAKER_00 23:20

Uh just phenomenal lenders who will tell you honestly what you can afford so you know what your budget is.

SPEAKER_01 23:27

Right, because it's all based on your income. It's gotta be on your tax return. You can't hide it. It's gotta be on the tax return.

SPEAKER_00 23:32

And people come. I I funny story. I had someone come to an open house that was so sick of losing out, he came with a gym bag full of cash.

SPEAKER_01 23:41

Right, he was ready right there. He's like, I'll just give it to the owner.

SPEAKER_00 23:43

I said, Did you ever hear the Patriot Act? I can't take your cash. Did you come with your attorney? Because this looks really suspicious. Right, right.

SPEAKER_01 23:52

Just show up with a duffel bag of cash.

SPEAKER_00 23:55

And he was like, I'm serious. I go, I know you are just tired of being you call your attorney, and he did, and his attorney came right down. He ended up getting the house. Oh my god. But we couldn't get away.

SPEAKER_01 24:05

So that's a great that happened to be a great story. Right. Right. You figured out a way to put the money where it needed to be to make it look like.

SPEAKER_00 24:10

He needed to put it in, right? He had uh that was actually extra money for him.

SPEAKER_01 24:15

He had very he didn't need that to get the house, but he came with it because he wanted to make a serious statement. He was making a statement. He was making a statement. So you gotta appreciate that. But I thought it was a great ploy. Because it can be frustrating for people.

SPEAKER_00 24:27

Completely.

SPEAKER_01 24:28

And we discussed that. We went over that. And it is, it's a f it it's a tedious process. So having somebody like Victor Stabile in your corner is only gonna make the process easier. Rely on him, rely on his expertise and his passion because that's what's gonna help you get home.

SPEAKER_00 24:41

Excellent. Thank you.

SPEAKER_01 24:42

You're very welcome.

SPEAKER_00 24:43

I really appreciate it.

SPEAKER_01 24:44

So we appreciate you coming here tonight. We really do. Thanks for having me. Great event, and uh, hopefully you'll come back for a few more. And uh I know I know me and you are gonna be doing some more podcasting, that's for sure. This is only I know this is only the beginning for us. So I'm looking forward to it. And uh, we had a great night here tonight. So, guys, Gage from ISM signing off. Say goodnight to Victor Stabile. And check him out at Douglas Element. You're very welcome. All right. Thanks for listening to ISM Radio. Join us for our invitation only executive networking event at the legendary Ohica Castle. For more information, visit idextreammarketing.com.