40. 7 Risk Questions Every Real Estate Investor Should Ask Before Buying

What if the biggest risk in real estate investing isn't the market—but choosing a strategy that no longer fits your life?

In this episode, Violeta and Lindsay have an honest conversation about one of the most overlooked parts of building wealth through real estate: understanding your personal risk tolerance. As both of them navigate major life transitions, they share how they're reassessing their investment goals, evaluating new opportunities, and making decisions that align with the lives they want to build—not just the returns they hope to earn.

Rather than offering a simple checklist, they invite listeners into the real conversations they have behind the scenes. By thinking out loud, they walk through how they evaluate potential investments, balance financial security with growth, and determine when taking on more risk makes sense—and when it doesn't.

Throughout the episode, Violeta and Lindsay discuss why risk tolerance isn't fixed but evolves with experience, financial stability, and life circumstances. They explore how changes like leaving a W-2 job, starting a family, changing careers, or pursuing entrepreneurship can completely reshape the types of investments you're comfortable making. They also explain why comparing your investing journey to someone else's can lead to poor decisions and how building confidence over time allows you to gradually take on larger opportunities.

Whether you're buying your first rental property, considering a new investment strategy, or simply trying to decide if now is the right time to invest, this episode will help you think beyond numbers and focus on building a portfolio that matches your goals, lifestyle, and peace of mind.

Before making your next investment decision, tune in for a candid behind-the-scenes look at how experienced investors evaluate risk, adapt to changing seasons of life, and create long-term wealth without sacrificing what matters most.

Links Mentioned:

Free Latinas in Real Estate Community

Real Estate Starter Kit

Transcript

Why Risk Tolerance Matters in Real Estate Investing

SPEAKER_01 0:00

So I think that's one thing that you have to understand with your wrestling is how much do you have as a cushion if something goes wrong?

SPEAKER_00 0:09

Your wrist tolerance changes all the time. Just like when you are starting to do weights in the gym and then you start going up in weight, right? Because you're getting stronger, your muscles getting developed. That's the same thing with your wrong. The more confident that you get while doing something, the more that your risk tolerance are like, oh, maybe I can do something a little bit harder.

SPEAKER_01 0:31

So you hear about knowing your risk tolerance when it comes to investing, but how exactly do you do that? Well, today I want to do a bit of kind of like a walkthrough, a brainstorming session with Lynn and I because we are both in the middle of kind of reassessing our risk tolerance with how we are going to fulfill our real estate investment goals. We have a few goals that we want to accomplish, but we both have big life changes. For me, I left my W2, and now I have a daughter, and so on. And Lynn has her own big life changes that she now has to take into account and reassess her risk tolerance and how she's going to navigate that. And so I wanted to bring y'all along with this walkthrough, and it's not gonna be perfect. Again, this is kind of just like we're kind of like winging it, we're just doing a brainstorming session. And the reason I wanted to bring y'all in this episode was because one of the things I did learn during my time in the military is that because we're only in a certain area for so many years, like three to five years,

What Risk Tolerance Really Means

SPEAKER_01 1:45

we're always having to train the next person, or maybe someone new comes in that just joined and they're having to learn their job. And one of the things that was kind of instilled with me is that when I'm training someone to think out loud so they could understand the rationale and see how I come to the conclusion that I ended up with. And so I feel like with real estate investing, I think that would be helpful as well because yeah, we could tell you like, oh, risk tolerance, this is how you do it. And we are going to cover a little bit of that, have some tips, but also kind of like having y'all be inside of our head and hear our discussions because we actually end up doing this every time we like record a podcast episode afterwards, we kind of just like then talk about our real estate investing. And so I thought it would be a good idea to kind of like have y'all listen in and see how we kind of are navigating this, how we're thinking, all of that. So, yeah, we're going to just kind of like brainstorm our goals, what we're doing, how we're addressing our risk tolerance, and so on. But before we get into that, don't forget that we do have the Latinas Real Estate Investing community in school. That's a great way to also reach us and you know ask us questions. We have resources. We just launched it, and so it would be awesome for you to become a founding member and join and help grow the community. So that information is down below.

SPEAKER_00 3:16

Yeah, I just want to mention that your wrist tolerance changes all the time. Just like when you are, I don't know, starting to do weights in the gym, and then you start going up in weight, right? Because you're getting stronger, your muscles getting developed. I don't know why my head is in the gym right now, but I guess like I've been working out too hard. Like, that's the same thing with your wrist tolerance. The more confident that you get while doing something, the more that your wrist tolerance are like, oh, maybe I can do something a little bit harder. And that's when we were talking about Violeta and me. Like earlier, we're just talking about like what if I just start another business, and this is like something I was talking about. This is not real estate related, but I do have a dream of having a band and converted and like travel across the country, and when I not using it, lending it out on a platform called Adorcy, which is something that you can do as well. And she was mentioning her family did also to ruin the past. And even though this is like a thought that comes into my mind, and I actually done research for it and stuff like that, and I looked at bands and all of those things. I am not the kind of person that because oh, that looks like a good idea, I'm just gonna jump on it, right? Like, that's not how I tackle things. For me, I need to take my time, I need to talk to somebody that's done it, I need to go see visually the bands, I need to see if that is something that I have time for. I have a boyfriend. I would like my boyfriend to get engaged into the business because he knows way more about cars than I do, right? I just have the vision of the converting event, the design of it, and possibly the customer service of it when we are doing it. But I need more than just like the thought and the possibility of cash flow from that business venture, right? I can this is the difference between like also an employee and

How Life Changes Your Investment Strategy

SPEAKER_00 5:02

like an entrepreneur because I've been an employee for all of my life. I also have not the risk tolerance of an entrepreneur. Entrepreneur kind of feel like it goes from thought to action much quickly than I do. And my risk tolerance is lower in that venture, right? The same thing with real estate. When I started real estate, what I had in my mind, yes, I had the savings to start and purchase, like put the down payment in a house. But in my mind, or at least where how I saw my life, I didn't have time to manage it, right? So that's why I defer like I need to somebody else to manage it for me because I can spend time virtually looking at houses and going and staying talking on the phone and stuff like that. But if my tenant calls me, I may be in a session with the patient and I cannot drop the patient, I cannot get off the phone and I don't do two and some other devs are more flexible than mine, but mine is not like that. So I have to be present and so like now, if I'm going to be totally active, that's why Airbnb for me wasn't an option that I think I could do, not successfully, very poorly, I would be able to do. That was not the way that I needed to go. So, like, I'm thinking about like, for example, what are my strengths? What are my flaws? And what is actually what I have available to me? What are the resources that have available to me? Do I have people that I have done this? Do I know people on the network? Do I have time for this? Am I going to lose out and worry time? Because like I don't have family, so I don't have to negotiate that time with my family either. So I don't have kids, so I do have like the job, right? Like the job that's taking me away from. So I just off my mind, that's what like I'm thinking about when something comes out, like that shiny eye syndrome comes comes back on clean in.

SPEAKER_01 6:44

Yeah, and with risk tolerance, you hear about it when you get into the real estate investment or any type of investment, and it just comes down to understanding what amount of investment risk you're willing to and able to accept. And that is really depends on you and the different factors that are unique to you, which is why I like I wanted to kind of like brainstorm and see because maybe you'll notice something that we're talking about that maybe you didn't think about that you might have to take into account because it is going to become a balance of you know your emotional comfort, because that does come into account and also just the financial reality of where you are right now. And like Lynn said, it changes. It changes. Like when I was younger, when I first started investing in real estate, like it was just me. It was just me, myself, and I. And all I had to worry about was myself. And I had a very stable paycheck, so I knew that I could take a little bit more of a risk. I was young, I had a stable paycheck, I didn't have other responsibilities. So my risk was pretty low. I would be able to recover if something went wrong. Whereas now it has changed, and you know, as we go through this, these are things that I have to start thinking about now because now, you know, I'm married, so now it's you know, have somebody else to think about as well. That if I fail, it's not just impacting me, it's impacting him as well, and also my daughter as well. I have more expenses now, I have other properties, and just all that comes in into play. And then now I have somewhat still of a stable paycheck, it's just not as much as when I was in the military, and so now I have to kind of like navigate all of that, and so that's kind of what I wanted to get into on finding that balance of like the emotional aspect because you'll hear it of like oh facts over feelings or whatever, but we're not freaking robots, like that comes into play because at the end of the day, like your emotions are gonna come into when you see something going wrong, like you might panic sell. Like, I've had that happen where I didn't understand the emotional aspect as well, and I ended up selling one of my properties to where, like, in hindsight, I probably wouldn't have sold that property now, now that I am more knowledgeable and know my strategy and all that stuff. But I had something go wrong and I panicked and I decided

Balancing Financial Security and Growth

SPEAKER_01 9:18

to sell that property. And also, with we talked about it in another episode, but of the property in California that I had, that was also understanding my risk tolerance and a little bit of my emotional aspect, but a little bit more strategic and a little bit more level-headed because that was a high mortgage, and what I didn't want to do is that if I had a vacancy, like I didn't want to have to cover that. I think it was like 4200 mortgage payment. I was like, that's too much, I'm gonna lose sleep over that, and so I decided to sell. So two different emotions that I went through still ended up selling, but you do have to take that into account and learn how to balance that. So, yeah, let's go through what our plans are a little bit, and hopefully we don't go too long and try to do a quick brainstorm session, and I'll let Lynn go into what her goals are and how she's planning it out.

SPEAKER_00 10:17

Yeah, so like I said, I'm a W2 employee. I'm in a play for a long time, but I am planning of leading my W2 this September. And ask me why I picked September, and there's like a whole plan in my mind, hopefully, that it goes as I was expecting it. But like the job that I have, it's a great job with great benefits. And my niece is also graduating from the same degree, so I plan to transfer the job to her so she would be fully qualified and licensed for that by August, then and it will be like a month in leeway for training and there, so I can leave the job safely. But also, I wanted to max out my 401k before I left the job, so that is like a staple number one. Yes, I'm still contributing to my 401k, even though I invest in real estate, and there are many reasons for that. If you want to ask me the questions, please leave it in the comments because I can go on a tangent of that. Some people are like, What are you doing? Investing in 401k where real estate gives you more returns, whatever. The whole point is that I started this plan last year. So last year, when I was trying to take Tally up, if you asked me like a whole year ago, like June of last year, you're gonna leave, you're the only two and start your own practice. I'm like, no, that's never gonna happen. But last year, I was telling out what is possible for me. So since 2020, when I started investing in real estate and 2022, when I bought my first house, I've done a lot of things over the last four years that have put me out of my comfort zone and it had proven to be even greater safety measures for me and also propel me into different venues. Like I never thought of myself as an entrepreneur or business owner. I couldn't even call myself an investor after having like eight houses. Like, I guess I'm an investor. I don't know. But that was like a mental switch and mind switch to me. So now I'm putting myself in a position this year to hopefully live my W2 to start my own business with my own career, which I'm a nurse practitioner. That's what I do for my W2 and have my own practice and dictate my own hours and be my own boss this year. This is something that it's like totally out of my comfort zone, but I'm putting myself in this position to be able to try it. And I am very aware of the fact that I might fail. And hopefully I don't know. But I'm okay with the fact that I might fail. If I do fail, I go back to Adobe 2, which is where I am right now. So it wouldn't really be that much of a setback. But there are many things that I'm doing this year to position myself there. So this started December last year. I gave myself nine months. So nine months one to max out my 401k because I take that as another safety measure that I can tap into if anything else. I am saving one year of expenses because that's where I feel comfortable. What I'm gonna try my whole you know business venture for one year to see if actually painks at least 70% or maybe 60% of that normal income that I'm getting. And I'm also real estate-wise, last year I have my ADU that's offsetting a majority of my mortgage currently because it's being rented. And then I have the 12 properties that are an additional safety measure on that are bringing income. And the first year I'm not buying anything is this year because I made myself promise that I'm gonna be saving

Why Comparing Yourself to Other Investors Can Cost You

SPEAKER_00 13:41

the reserves from these properties that I do have that do require, you know, capital expenditures, they do have vacancies that do require those expenses to no longer come out of my regular income. So those are three things that are doing just to position myself in a better place, to do something hard. So this is incredibly hard for me. Might not be as hard for you to think, like, oh, she's just gonna leave for the U2 and then open her own company. For me, it's like incredibly, incredibly hard. But I'm giving myself those nine months to prepare and then to do every single thing that I can to take that lead, take that risk.

SPEAKER_01 14:16

Yeah, I kind of went through the similar thing when I decided to leave the military. It wasn't just like uh like overnight decision, it wasn't like I'm tired and everything, although I kind of wanted to. Luckily, luckily, I was still under contract, and so that I think that was my saving grace because I probably would have just like, yeah, because I was done with the military. But because of the contract, I think I it I was at two years out, so I had two years to start planning it out and make that first of all make that decision. And then a year out, I would say that's when we really got into preparation. Well, a year and a half preparation mode with my husband. That's when we sold our house because I did not want to have to worry about selling that house while moving, while also getting out of the military and still have you know being responsible for that mortgage payment. And so we sold that house a year early, and then we went to renting for that last year that we were in California. So that reduced our expenses. We didn't have to worry about a house. It was already out, and we also had like a second mortgage on that, so that paid off that loan that we had and really like created a clean slate, and that allowed us to really reduce our expenses and start building kind of a cushion as well. So I think that's one thing that you have to understand with your risk tolerance is how much do you have as a cushion if something goes wrong? And you know, Lynn's building that, I built that at that time, and now I don't necessarily have, and it's kind of something that we talk about sometimes here and there of like the emergency funds for your property. And now I kind of mostly rely on yeah, I have a little bit of cushion, but I also have like my credit cards or whatever, and you know, my 401k, whatever, those are emergency funds as well. But I have to do that strategically as well. Because, for example, with this recent property, I was like, okay, I am going to go use my credit cards, but I also know that I can pay them off in X amount of months. And so right now we're kind of like in a no-buy until those credit cards are paid off. So that's a understanding that ability, your capability of paying unexpected expenses. So understanding how liquid that is as well. So, you know, like do you have to sell a property to pay something like for an emergency, or can you just get a loan from your 401k or whatever to help you to have that as a cushion? So those are things that I thought about. I also kind of planned out of like, okay, I need to really reduce my expenses

How Risk Tolerance Evolves Over Time

SPEAKER_01 17:06

because I know we're going to reduce our income. Like, I wanted to take a year off of working at that time. Now I don't plan on going back to work now because I'm doing this whole time. So, but at that time, I was like, okay, I need a year's worth. So that way I can have some breathing room. I don't want to work. I'm burnt out from working from the military. And then I also, you know, had my daughter, so I wanted to like really just enjoy time with her, whatever. And so really just went into paying off debt, reducing our expenses, all that. And even now we're kind of still working on reducing our expenses. We're doing a refinance to lower the interest because when we did this house, we did a construction loan, which was way higher interest rate. So even though we have high interest rates with conventional loans or whatever, it's still gonna drop me like at least two percentage points minimum. So that's already a win. So that's another way we're reducing our expenses. And now it's kind of like me and we were brainstorming as like, okay, so now what's next? I want to definitely scale, but now I have to assess my risk again and figure out like how much can I do right now? I can't buy another property until these credit cards are paid off, and then I'll take on another property because I do not want to like start a new property and then try to figure out paying on this when I don't want to stretch myself out too thin. So planning for maybe August, September, and then understanding that risk as well. So that's how I'm navigating because now I don't have a W-2 income, figuring out the loan aspect. I got like an email the other day of like some loan products and how much I would be expected to bring to the table and all that. So yeah, just thinking and really diving into my financial situation right now.

SPEAKER_00 19:00

Yeah, and it's definitely something that's gonna change all the time. I'm sure if you ask us three years ago, what is a DSR loan? I don't know. Like, but now that the more time you spend in this space in real estate and you see other people using the SER loans, you're like, okay, maybe that's a loan product I can use. Like right now, Violeta doesn't have a W2 income. And technically, she can still go buy houses if she wants because she has access to the SER loans. Right now, the ADU that I have in the back is upsetting my mortgage, and I could potentially build another ADU in the same lot. And I'm using the equity, the current equity in my house to do that. So I'm not like coming out of pocket for that particular thing, and it's possibly going to upset all my mortgage. I don't know yet. But those are things that are like we are constantly trying to figure it out, and it's okay if your plan takes time, it's totally fine if your plan takes time. If your plan takes time, if your plan takes money, as long as you're working towards something. So that is the thing that we are always like our wheels are always turning. What is the best thing we could do right now? And I think because a lot of us get stuck in analysis, paralysis, and it's really hard from going to like the planning, the calculating, like the no-monts to like actually taking action because you get you get comfortable and you get safe in that area, like there's no movement, so you're not employing cash or you're not putting your money at risk or whatever. But at one point you are going to have to have action. And I think the best way to have action is

Questions to Ask Before Your Next Investment

SPEAKER_00 20:32

to go and see other people do it. So if you're not sure, if you have doubts, your position and your situation is unique to you. But when you see other people in almost the same positions that you were at one point doing it and making it work, it gives you a confidence that maybe you don't have right now, right? So that's why we invite you to come to our community or join any communities. It doesn't have to be ours. Maybe you don't like us, maybe it's fine, but join something, like get along with the people that look like you, that have almost the same experience that you do, or are moms, or you know, want to live the single life, whatever it is, like join a community that are working towards the goal that you have. If it's become work optional, join that. If it's just like investing into stocks, then join that. But if you're interested in real estate and if you want to learn more about real estate, join our community.

SPEAKER_01 21:25

Yeah, and I want to like ask Lynn, because I think hers is a little bit more complicated because, like, with me, I have a little bit of the luxury that you know, my husband, we both have paychecks from the military, so that's a cushion. But he also has, you know, a nine to five job. So that has really helped with the risk tolerance with me. Now that doesn't mean I'm gonna go take crazy risk tolerance, but Lynn has like she's gonna build a business, which that in itself is a lot of work, and she has to think about like building clientele. How many clients does she need to have to cover her costs? So she has to be very aware of her current expenses right now, which you know we were talking about like you really have to know your financial situation. So you have to go look at it. You can't avoid it and just you know hope for the best. Like that's where she's kind of at. And we've had a few conversations of like her, like, okay, well, now like I have X amount of expenses because she does have a portfolio. She went ham. She went crazy with investing and scaling. And so now she's like at that point where like everything's getting stabilized, and during that time, she's jumping into going on her own. So I kind of want to like go into like your head and like what are you thinking? What are your fears? Like, and whatever you want to share, like you know, yeah to see how you are navigating because September is right around the corner.

SPEAKER_00 22:54

Yeah, two minus three months. So I want to do like a little like sticky notes just to pull off the things off the wall. I don't feel yeah, no, it is note breaking, and like you do say, I do not have like anybody that's like gonna help support me throughout time, but I also lived like in the past very frugally, and then even though I live

Final Thoughts on Building Wealth with Confidence

SPEAKER_00 23:15

in Los Angeles, like my burning rate, like of all fixed expenses, it's about $4,000 a month, right? This is not luxury, this is not going out, no McDonald's, not which is like I guess a luxury, but now nothing like that. So if I add like just radar takeout gym memberships, like I would have to quit the gym because my gym, I am very into health right now, so like my gym membership is $200, and you would think like that's not for a while, right? Like, you can get what is Bally Fitness 24 Fitness for like $35 a month or something like that. But I love my gym because I pay the $200, it takes me out of the house. Like, I make sure that I do go. If I don't go, I get like a late cancellation policy fee that I have to pay additional money for. So that drives me to go and wake up early and then do those things. So with those, I guess, luxuries would be like maybe like $5,000 a month, in which I would have to do now. The ADU that I have rented is $2,000. So like that leaves $3,000 for remaining of the year. My goal is to have $5.12, which is one year of expenses, right? So I don't have to worry about money for one year. That counting, nothing else happens, like no AC breaks or anything like that. And then so for my rental portfolio, I think I've been very transparent about like the fact that I haven't taken one cent out of the income that I got in from the rental portfolio. Everything has been reinvested. And then so now I'm building reserves and now I'm seeing like the cash accumulate from that. So I want that to have its own emergency fund. And my business, my business overhead is about $12,000 a year, which I have right now for the overhead for the next year. So technically, I'm giving myself one year to spend time trying to build this new thing, which is what you said, getting clientele, putting a website together, making sure I'm doing marketing, whether that is connecting with other people and the same field that I am, therapist, going to events, conferences, trying to, which is really hard, sell myself as a provider for you. And the state of California. So those are the things that I like learning about. And I think it's not just so much the tasks that I have to do, it's the mindset that I have to have. So, because I'm action-driven, like, okay, give me a list and I'll knock it down by the end of the day if I don't have work, right? Like if I don't have other responsibilities in the day. That's not hard for me. The hard part is like switching that thing from like you have this fixed income that you're counting on, and now it's up to you to make that happen, like make the ish happen, right? Like that is the thing is the hardest for me, I think. I think everything else is gonna flow on it's on the stage. But I honestly I don't know how I'm gonna feel because it's the first time I'm not gonna have a job and I might freak out. But I think I've been over the last nine months, I've been between freaking out and getting excited, freaking out, getting excited. Sometimes it's just more freaking out, but I want the excited thing to build because like this is the first time I'm not gonna have a boss or like have to count the little hours, or I drive a lot from a job right now, like in like three hours every day, 200 miles every day. So, like I'm not gonna have that. So it's just going to be up to me, and then it's it's exciting, but it's also scary. So we'll see, we'll see what happens.

SPEAKER_01 26:33

That is something that like you do navigate. It was because we are going, going, going, going, like working hard and in our job and everything. So, like when I like left, I felt like such a like such a loser sometimes, and like I was like, I can do the floor, like I'm not doing anything, but no, yes, I am. I'm building now focusing on my real estate investing business and really taking you know money cheese made and stuff, and I'm really focusing to actually grow this and and make it profitable. And so I have a few things also, and I'm in the works of taking over my properties in Milwaukee and managing those because now I could just use that funds for me. I have more experience, I understand it better, have better systems. So now that income I could bring it and keep it in-house to also create another cushion and everything. Because right now I like everything, same thing, reinvesting everything right now. So I think I got to a point where all my investments are really just being reinvested because my expenses are already basically covered, and so now this is just doing its own thing, and so yeah, that's what I wanted to kind of like share, like how especially with Lynn, like as she goes into this journey, and I'm super excited. I know it's gonna be scary and everything, and then especially because you have to get like your own clients and all that stuff, but you also have kind of like an exit strategy as well. Like, I mean, if it's it is gonna work out, it is gonna work out, but like you also plan for like if it doesn't, right? So, all those things is what we kind of like think about how we can reduce our risk, if what's the worst that can happen if it does, like how am I going to navigate that? And what can I do right now to help prevent that? Lynn is doing a whole year, which I think is good because I think before you used to have like an emergency fund for like three months, and it's like, no, now with the the job market and with the economy and everything like that, like a good year, and I think that's a good timeline to help build clientele because you have to grow and all that stuff. So I'm excited for you.

SPEAKER_00 28:49

The older you get, the more comfortable you get with your lifestyle, too. So I understand that taking down like moving back, it feels like moving back a little bit, but it's not right, like you're building something for yourself, you're building something that you'll want, and doing this also is gonna give me more time to dedicate to real estate chasement, to managing my manager, she's just gonna hate that. But making sure that I like all the things I'm gonna have way more time to, I'm sure you're gonna get emails that's where you have like we should just do this, and just because I'm gonna be like on overdrive, kind of like trying to make up for like time that I'm not using right now, but it might be new, and I'm calling it like a life experiment, too. So, I mean, you have done it and you're happier, it sounds like better. And you'll you get to spend time with your daughter, and like that's beautiful, right? And that's that is also there's some things that I want for my life to be able to move with more intention, less preoccupied about like buildable hours and management and interdisciplinary kind of things at work and no more driving so much. So we oh, yeah, we're gonna go down to one car, so like that's another help there. Yeah, and maybe more cooking, probably more cooking at all.

SPEAKER_01 30:07

But yeah, that's what I thought I would do, but I I haven't cooked. I like I was like, oh, and I'll have more time to like learn these recipes and blah blah blah. And I still haven't done it, but like I've been in my garden most of the time, and yeah, and just doing this and just yeah, like playing with my daughter. So yeah, that's what we wanted to like to share, and so that way you could like if you're thinking about like investing in real estate, that's one thing that you start thinking about. Like, okay, if I was to get into this property, like what's the worst thing, and how can I cushion myself to ride that out so that way you don't panic, so because there's gonna be things that you know come up vacancies, something happened or whatever. And if you plan for them and you set yourself up, reduce your risk, like you're gonna be able to continue on or to recover, bounce back, and then try again. And yeah, and then eventually you'll gain the confidence, the knowledge, and build yourself enough security to just take a little bit more risk, which is kind of like where we're a little bit heading towards because now I'm like definitely taking on riskier projects, but again, that's my risk tolerance. Lynn knows her risk tolerance. But yeah, again, let us know any questions, anything that's on your mind to help you kind of like overcome this negative thoughts or this little voice saying that, like, no, it's too risky. No, no, no, don't do it. That's no. Again, don't forget the school community. Don't forget have a starter kit down below, and don't forget to like, subscribe, share this podcast, rate it. It helps us grow and reach more people out there who may be interested in investing in real estate. Other than that, I'll see you in the next episode. Bye. Bye.