The MORE Show

Most real estate investors are building a portfolio the same way buy, rehab, refinance, and watch their equity get trapped behind the walls of a mortgage while they pay heavy front-loaded interest for years. Pat Grace built $65 million in rental properties across 200 single family assets doing it completely differently and he does not have a single traditional mortgage. In this episode of The M.O.R.E. Show, Justin Colby sits down with Pat Grace, who discovered a banking strategy used widely in Australia that is almost completely unknown in the United States, and used it to build one of the most liquid and flexible real estate portfolios you will find anywhere. Pat breaks down his BERLOCQ method a line of credit-based approach to real estate financing using simple interest instead of compounding amortized debt and why once you see it, you cannot unsee it. KEY TOPICS COVERED Why traditional mortgages trap your equity and cost you far more than most investors realize The BERLOCQ method explained using lines of credit instead of mortgages to build a rental portfolio How Pat built $65 million in real estate with $35 million in available line of credit and zero traditional debt Why simple interest lines of credit beat compounding amortized mortgages every single time How one investor saved over $1 million in interest just by switching to this strategy How to get started with lines of credit from your first $750K line to scaling across all 50 states ️ TIMESTAMPS 00:00 — $65 million in rentals with zero mortgages the cold open 00:30 — Introducing Pat Grace 00:52 — What M.O.R.E. stands for and why this episode matters 01:43 — How Pat learned this strategy in Australia 02:07 — Why he left traditional mortgages behind 03:10 — How he started just like everyone else 04:30 — The problem with the BRRRR method most people miss 06:00 — Explained lines of credit vs amortized mortgage debt 12:00 — $35 million in available line of credit how Pat structures it 18:00 — How to approach a bank and what to ask for 25:00 — Unlocking trapped equity without a traditional refinance 32:00 — Using lines of credit for new construction and beach houses 38:00 — Protecting assets trusts, entities, and structure 43:00 — Pat's calculator save over $1 million in interest 44:00 — How to get started in all 50 states 46:00 — How to reach Pat Grace and get his free calculator Connect with Pat Grace Facebook: Pat Grace (search and friend request mention Justin Colby or The M.O.R.E. Show) Free calculator, workbooks, and resources available DM Pat on Facebook to access About The M.O.R.E. Show The M.O.R.E. Show is hosted by Justin Colby and is dedicated to helping real estate professionals, investors, and entrepreneurs maximize opportunity in any market. New episodes every week. Learn more: www.timeformore.com Invest with Elevest Capital: www.elevestcapital.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Most real estate investors think you need a bank, perfect credit, or a pile of cash to do deals. Chris Prefontaine has been proving that wrong for decades and he survived the 2008 crash to build one of the fastest growing real estate companies in America three years running on the Inc. 5000 list. In this episode of The M.O.R.E. Show, Justin Colby sits down with Chris Prefontaine, founder of Smart Real Estate Coach and author of the 3 Paydays book series, to break down exactly how creative financing and terms deals work in today's market, why subject-to and owner financing are some of the most powerful tools available to any investor right now, and why the most dangerous thing you can do is chase shiny objects instead of going deep on one strategy. KEY TOPICS COVERED: Creative financing explained, how to buy real estate without banks, cash, or credit Subject-to and owner financing deals, how they work and why sellers say yes The 3 Paydays model, how to get paid three times on every single deal Why Chris survived the 2008 crash when most investors did not and what he learned Shiny object syndrome: why chasing two rabbits means catching zero Why you should follow someone who has been through real market cycles, not just a bull run ️Key Moments 00:00 — Foreclosure, the repo man, and starting over 00:52 — Introducing Chris Prefontaine 01:10 — Three years on the Inc. 5000 list 01:43 — 82 active markets — real deals, not theory 02:15 — The guru epidemic 03:45 — How the coaching community works 04:03 — Subject-to, owner financing & lease options explained 07:00 — The 3 Paydays model 12:00 — How to get sellers to say yes to creative terms 18:00 — Creative financing in today's market 22:00 — Shiny object syndrome & Chris's six laws 23:43 — Chase two rabbits, catch zero 24:22 — Follow someone who has the life you want 25:00 — What success actually looks like after the scars 26:06 — Free workshop & how to get the 3 Paydays book 27:25 — Where to find Chris Prefontaine Connect with Chris Prefontaine: Website: smartrealestatecoach.com Book: 3 Paydays visit 3paydaysbooks.com/more for a free copy Free Workshop: smartrealestatecoach.com/masterclass About The M.O.R.E. Show: The M.O.R.E. Show is hosted by Justin Colby and is dedicated to helping real estate professionals, investors, and entrepreneurs maximize opportunity in any market. New episodes every week. Learn more: www.timeformore.com Invest with Elevest Capital: www.elevestcapital.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Most real estate investors know how to build in a bull market. Very few know what to do when that market turns against them. In this episode of The M.O.R.E. Show, Justin Colby sits back down with Brandon Rockstar Rooks a capital raiser who spent a decade building a $100 million land entitlement business in the southeast, working with some of the biggest national builders in the country and who hit major headwinds when the market shifted in late 2024. Brandon shares exactly what happened, why he is not embarrassed to say he is on his third reinvention, how he is pivoting into private lending, note buying, and distressed debt, and why the most dangerous thing an investor can do right now is stay loyal to a business model that has stopped working. KEY TOPICS COVERED: How Brandon built a $100 million land entitlement business working with the biggest national builders Why national builders don't want land on their balance sheets and how that creates opportunity What went wrong in Q4 2024 and why the land entitlement market shifted dramatically How Brandon is pivoting into private lending, note buying, and distressed debt Why it is okay to start over at 40 and why staying loyal to a broken business model is not The mindset of reinvention how to know when to pivot and how to do it without losing everything ️ Key Moments 00:01 — Introduction: Brandon Rockstar Rooks returns to The M.O.R.E. Show 00:32 — The Boardroom Mastermind what it is and how to get access 01:11 — Lending is getting weird what Justin is seeing in the market right now 01:31 — A decade of land entitlement capital raising how it started 02:13 — Why 15% annualized returns became the minimum standard 02:49 — How the land entitlement model works ground, permits, sell to builders 03:16 — Why national builders don't want land on their balance sheets 04:01 — First deal: $3M parcel in Charlotte NC 99 townhomes 07:00 — How the $100M raise was built and what drove it 15:00 — What changed in Q4 2024, when the market shifted 20:00 — Pivoting into private lending, note buying, and distressed debt 28:00 — How to know when your business model has stopped working 33:00 — The Dan Martell post, it is okay to start over at 40 37:00 — Round number three, reinventing again and why that is okay 39:00 — Relationships, markets, and staying ready to pivot 40:00 — How to connect with Brandon Rockstar Rooks Connect with Brandon Rockstar Rooks: Website - www.rockstarcapitalfund.com About The M.O.R.E. Show: The M.O.R.E. Show is hosted by Justin Colby and is dedicated to helping real estate professionals, investors, and entrepreneurs maximize opportunity in any market. New episodes every week. Learn more: www.timeformore.com Invest with Elevest Capital: www.elevestcapital.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Most real estate investors have had a deal fall apart at the title company not because the deal was bad, but because the title company did not know how to handle it. In this episode of The M.O.R.E. Show, Justin Colby sits down with Ash Selle, founder of Phoenix Closing and a 25-year title and escrow veteran who has handled tens of thousands of transactions across 7 states. Ash Selle breaks down exactly how investor-friendly title works, how to close hairy and complicated deals that other title companies won't touch, what really happens inside a title company when your deal goes sideways, and why subject-to deals, double closings, probate, and foreclosure transactions require a specialist not a generalist. KEY TOPICS COVERED: What an investor-friendly title company actually does differently from a traditional one How to close subject-to deals, double closings, probate, and foreclosure transactions correctly Why buyers are backing out last minute right now — and what title companies are seeing on the front lines The biggest mistakes real estate investors make when working with title and escrow How to find and work with a title company that will fight to get your deal across the finish line What sellers in distress foreclosure, divorce, death, prison, need from a title team ️ Key Moments 00:01 — Introduction: Ash Selle founder of Phoenix Closing 00:23 — 25 years in title and escrow tens of thousands of transactions 00:45 — Phoenix Closing explained investor-friendly title in 7 states 01:00 — How to reach Ash Selle: phoenixclosing.co and (612) 248-6108 01:45 — What is happening in the real estate market right now from the title side 02:08 — Why buyers are backing out last minute and getting cold feet 03:47 — Distressed sellers: foreclosure, divorce, prison, probate, and death 04:09 — Interest rates why nobody on the front lines is complaining about them 07:00 — Subject-to deals explained and how to close them correctly 12:00 — Double closings what they are and how investor-friendly title handles them 18:00 — Probate and estate sales what makes these transactions complicated 22:00 — What title companies see that investors never know about 26:00 — How to be a better investor when working with your title team 29:07 — Ash Selle's advice: be kind title coordinators have multiple files 29:40 — Where to find Ash Selle and Phoenix Closing Connect with Ash Selle: Website: phoenixclosing.co Phone: (612) 248-6108 Facebook: Phoenix Closing Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Most real estate educators tell you to master one market and stay in it forever. Neil Bawa thinks that is wrong and lazy. In this episode of The M.O.R.E. Show, Justin Colby sits down with Neal Bawa, known as the Mad Scientist of Multifamily, a former data scientist and tech company founder who has built a portfolio of over 4,000 apartment units across 7 states with $400 million under management and 1,150 active investors. Neil breaks down why his data-driven approach to real estate outperforms gut instinct every single time, how he sold out a 237-unit apartment syndication in four hours, why he learned never to invest in Chicago again, and how he is now using fully automated AI underwriting to evaluate deals faster than any human team can. KEY TOPICS COVERED: Why there are no great markets in America only great markets at certain points in time How Neil sold out a 237-unit apartment syndication in four hours using a nurtured email list The tax strategy that forced Neil into syndication and how it built his entire empire Why Neal left single family behind and went all-in on multifamily apartments How Neal's team uses fully automated AI underwriting to analyze deals at scale The current distressed deal opportunity in Dallas and why banks are offering concessions to buyers right now ️ Key Moments 00:01 — Introduction: Neal, the Mad Scientist of Multifamily 00:30 — $400 million under management 4,000 units across 7 states 00:53 — Portfolio breakdown: Utah, Idaho, Phoenix, Texas, Atlanta 01:30 — Why Neal jumps markets, there are no permanently great markets 01:54 — Neal's background: data scientist, tech company founder, recovering technologist 02:11 — How real estate reduced Neil's taxes during his tech company years 02:31 — 2013: selling the company, massive taxable event, and discovering syndication 03:21 — How a nurtured email list sold out 237 units in four hours 04:16 — 1,150 investors and $350 million in equity raised 04:41 — Taking investors on property tours and why it changes everything 07:00 — First property: Chicago, $12.5 million, and lessons learned the hard way 10:00 — Why Neal never invests in Chicago again 15:00 — Single family war scars and the pivot to multifamily 20:00 — The four pillars of multifamily including tax benefits 25:00 — Cost segregation, bonus depreciation, and real estate professional status 30:00 — Neil's AI market data tool fully automated underwriting explained 36:00 — The distressed deal opportunity in Dallas right now 40:00 — Buying directly from banks concessions, low interest rates, long IO periods 42:00 — Co-GP model and Deal Flow Fridays 43:00 — Where to find Neal Bawa Connect with Neil Bawa: https://multifamilyu.com About The M.O.R.E. Show: The M.O.R.E. Show is hosted by Justin Colby and is dedicated to helping real estate professionals, investors, and entrepreneurs maximize opportunity in any market. New episodes every week. Learn more: www.timeformore.com Invest with Elevest Capital: www.elevestcapital.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.