Making Sure Your Property Cashflows

Intro
Hi. My name is Rod Khleif, and I’m the host of “The Lifetime Cash Flow Through Real Estate Investing” podcast. And every week, I interview Multifamily Rock Stars, and we talk about how they built incredible wealth for themselves and their families through multifamily properties. So hit the “Like” and “Subscribe” buttons to get notified every Monday when a new episode comes out. Let’s get to it.

Rod
Welcome to another edition of “Lifetime Cash Flow Through Real Estate Investing”. I’m Rod Khleif, and I am thrilled you’re here. And I know you’re going to get value from the young man I’m interviewing today. His name is Lior Rozhansky, and Lior is in Boston, and he’s the founder and president of Floral Capital. Must like flowers. Okay. Floral Capital. Love it. And he’s in, believe it or not, $30 million worth of assets in Boston. And I asked him how many units that was, and it’s only about 80 or 90 because Boston is expensive. So we’re going to have a lot of fun talking about how to invest in an expensive market. Welcome to the show, brother.

Lior
Thanks for having me on here. You know I’m a huge, huge fan of the show. Been listening to it for years and got me going, so I can’t tell you how excited I am to be on here.

Rod
Oh, that’s very kind of you, my friend. You know, just shows how old I’m getting. That’s all it is. But, thank you. So, you know, take a minute and just give us a little background on you, where you came from, maybe what you did before real estate, why real estate, and just give us kind of an overview, buddy.

Lior
Sure. Yeah. So for me, it’s a classic immigrant story. We immigrated here from Israel as I told you before. You know, my parents always had the dream for their son to be a doctor or lawyer. So I did pre-med in college, graduated, you know, kind of took two years to do a management consulting gig while I was applying for med schools. And it was really during that time when I was a management consultant, you know, working 60, 70 hours, just doing everything under the sun, that light bulb went off me. Right. Like, this is not sustainable. This is not really the way.

Rod
Yeah.

Lior
So, I started doing my research into investing, you know, and stocks and real estate came up. I realized I wasn’t going to be the next Warren Buffett very quickly. So real estate was kind of next up, right? And just understood the numbers more than anything. The numbers seemed to pencil out to me. They made sense. And kind of bit the bullet right away. So a year after graduating, bought my first multi in a city right here, ten minutes outside of Boston, and still on that asset today, actually, and then have been ramping up, really since then.

Rod
Very nice. Very nice. You know, it’s funny, we have a lot of connections. So, as I was telling you before we started recording, I actually lived in Israel when I was between four and six years old, off and on a little bit. Spoke Hebrew fluently, spoke Arabic fluently, as well as a six-year-old, could. And I forgot it all, unfortunately, and still have family in Jerusalem. My brother was born in Jerusalem. My brother Albert was born there. And then you’re talking about Boston. You know, my dad lived there for decades, lived in Woosta, I think that’s pronounced correctly.

Lior
It’s a good way to say it.

Rod
Yeah, and so, you know, I’ve got a lot of memories of Boston in the area, know a lot about the area, you know, really enjoy the area. So it’s kind of cool to talk to you about this. So, you know, talk about what it’s like to invest in a high-dollar market like Boston because this will resonate with people in L.A., New York, you know, some of these crazy, crazy high markets that are, you know, higher than the markets– you know, we’re in high markets. I mean, Texas is going crazy. You know, Phoenix is going crazy. Florida is going crazy. But it doesn’t compare to your backyard. So talk about your backyard.

Lior
Yeah, it’s a different ballgame here, right? I mean, you know, our average price per door here is anywhere from 350, 400, up to 600 and higher. And that typically buys you, you know, early 1900 products that haven’t been touched in 100 years. So it’s certainly a different ballgame, right? I mean, your cash flow structures look completely different when you’re buying these kinds of price-per-door units. So it’s a little bit of a different mentality too, right, because a lot of investors are, obviously, you know, the first thing we get taught about with real estate investing is cash flow and cash flow.

Rod
Right.

Lior
But that’s not necessarily the driving returns, right? You know, we really create wealth in these really high-priced markets. A lot of it is investing strategically in the right markets, in the right neighborhoods, really knowing the market in and out, and then having a good business plan of how to create additional value, you know, through construction, stabilization, and so on.

Rod
Wow. Well, I have to tell you, I’m going to push back on you a little bit. Okay?

Lior
Okay.

Rod
And I’m going to push back just because of what you said. And I don’t want– because that business model you just described is, frankly, for the uninitiated, extremely risky because cash flow is everything. And so, you know, but you did say it properly. You need to know your markets inside out. You need to have a great business plan. You know, I have people to call me and say, listen, I can buy this property for three million sold for five million you know, three years ago. And I say, I don’t care what it’s sold for. It’s irrelevant what’s the cash flow, especially in what’s coming. I think we’re headed for some pain in this– I know we’re headed for some pain in this country, and we’re going to see rents– in fact, I just got an article this morning. You know, rents this last month pretty much flatlined. I don’t want to turn my outlook back on because it’ll beep, but I literally just got you know, rent flatlined this month, and you know, we’ve seen 20%, 25% rent increases on an annual basis, which is just staggering. 30% even here in Tampa. And so, you know, but what you just said can work if the market you know, can dictate it. So you buy and your business model is basically buying right, repositioning, doing a value add per– and you told me you spend upwards of how much per door sometimes on the reposition?

Lior
50 to 100.

Rod
50 to 100 granted doors. Okay. That’s crazy. And so, I mean, those are major, major rehabs. So you’re not really buying to flip or you’re buying to hold, but you’re factoring in your ultimate exit in your returns. You know, you’re not relying on the cash flow. Now, are you raising extra money to cover any deficits in cash flow in your hold period?

Lior
Yeah. First of all, I love the pushback. I’m glad someone’s– so let me–

Rod
All right because I don’t want my students to think, oh, yeah, you know, cash flow is not important.

Lior
Of course.

Rod
Cash flow is. In fact, I wrote a best selling book called “How to Create Lifetime Cash Flow Through Multifamily Properties”. The subtitle is “The New Rules of Real Estate Investing”. And basically, the new rules are focus on freaking cash flow, period. Okay. Cash flow will get you through a downturn, which we’re headed into. So, anyway, welcome to debate this with me.

Lior
I love this. I love this. And I actually read the book.

Rod
Okay.

Lior
So I’m very familiar with the content.

Rod
Okay.

Lior
So, let me first clarify and address the– so, first of all, we don’t buy anything that is cash flow negative or breaking either, right? That’s rule number one.

Rod
Okay. I made an assumption that’s what you do.

Lior
Yeah. No, no.

Rod
They have what’s called negative gearing in Australia, okay? Where you buy a property and it doesn’t cash flow, but you’re buying it because of the increase in value. And that just makes the hair on the back of my neck stand up. I’m sorry I interrupted. Please continue.

Lior
That’s okay. No, no, so, yeah. That’s what– 100% on the same page about that. We don’t speculate. We don’t buy anything that’s bleeding because, as you said, you can’t hold off with. Right?

Rod
Right. Okay.

Lior
So, our strategy– what I meant you know, by very limited cash flow, you know, if you go to– you know, I’ve looked at underwriting in the Southeast, Southwest, right, all those markets, a lot of those assets can produce say, anywhere from 5% to 7% cash on cash yield. Right? Maybe a little bit higher, depending on the assets.

Rod
We got a deal at 8% to 10% right now in Nashville, we’re raising money on but anyway, okay.

Lior
Yeah. Or even higher.

Rod
Yeah.

Lior
So we typically our underwriting here is typically anywhere I would say, you know 4% to 6%. Right?

Rod
Yeah. Okay.

Lior
So, we’re significantly lower. We’re certainly not bleeding every month, but we are significantly lower. Now, the reason why I say I don’t think cash flow is not important, it’s not the cash flow that is not important to me, what we’re playing here is an NOI game. Right? I mean, it’s strictly an NOI game. And I actually think there’s a lot of– I’ll push back on you a little bit. I actually think there’s a lot of safety in investing in these kinds of markets, especially with what we’re going towards because, you know, the markets we’re buying here in Boston, right? Or if you’re buying in L.A. or New York. Right? These are hubs. And these hubs are much less likely to get impacted by any sort of financial issues. Right? I mean, inflation is crushing most Americans today. You know, the tenants were renting out to in Boston, in Cambridge, where you have Harvard University, MIT, all these areas. You know, these are typically more blue– you know, higher-end tenants, right?

Rod
White collar. Not blue-collar. Yeah.

Lior
White collar. Not blue-collar, sorry.

Rod
Let me say this, though.

Lior
Yes.

Rod
I agree with what you said about your tenant demographic, for sure. But that said, I’m going to tell you, some of these high markets, valuations can plummet overnight. I saw it in L.A. Okay. When ’08, ’09 happened, L.A. was one of the ground zeros for this. I mean, massive reductions in value. I don’t know what happened in Boston, frankly. I wasn’t in tune with that market. Do you know what happened in the crash in Boston? How did it fare?

Lior
Boston was incredibly resilient.

Rod
It was. Okay.

Lior
Incredibly resilient.

Rod
Okay.

Lior
Yeah. So, you know, markets like Cambridge around here, they dropped a handful of points.

Rod
Okay.

Lior
Rents held up. So, yeah, there’s actually a lot of safety in going to a market like this.

Rod
Got it.

Lior
Yeah.

Rod
Well, there aren’t a lot of markets like that. In fact, I wouldn’t even, in that vein, compare it to L.A. because I can tell you, California goes through these price fluctuations that are insane. We won’t even talk about the political component. But anyway.

Lior
Yeah.

Rod
Okay, and so, 50 to 100 grand a door. So do you have, like, a general contractor as a partner? Do you– talk about your team a little bit because that’s a very sophisticated business model.

Lior
Yeah, I mean, look, if you’re going to go and play in an area like this, you’ve got to have your operation down. There’s no question about it. So the way we structure it is, you know, we don’t have a partner that’s a GC necessarily, but we do have a crew of different GCs that we worked with.

Rod
How about an architect? Is there an architect on your team or do you just sub all this out?

Lior
No, everything is subbed out, so no one’s internal.

Rod
Okay.

Lior
But those are architects’ key players well. But, you know, when I say these high numbers, too, what’s crazy is a lot of people think that you know, we’re shifting moons here at 50 to 100,000, but the truth is, at $50,000, that’s kind of like an average turnover here.

Rod
Wow.

Lior
I mean, that’s going to be a nice new kitchen, a nice new bath, floors, paint, some electrical plumbing. It’s just a very, very high-price market, right?

Rod
That’s crazy.

Lior
Yup.

Rod
That’s ten grand in an asset in Texas. That’s crazy. I don’t understand. Is it because you’re dealing with the age and the ramifications of the age? I mean, you see some of these antebellum houses. The windows have you know, ropes and weights and, you know, stuff like that. Is that what we’re talking about here? Or is it just the cost of doing– you know, the cost of that sort of work in Boston is just exponentially higher. Is that it? Is that the labor force? What is it? Why is it so expensive?

Lior
It’s the labor. Yeah.

Rod
Okay. Wow.

Lior
I mean, certainly, there’s more complexity with buying buildings from the early 1900.

Rod
Right.

Lior
Obviously, there’s a lot more sensitivity behind the walls. But no, I mean, labor here is just incredibly expensive.

Rod
That’s crazy.

Lior
The cost of living here is high. Yeah.

Rod
Yeah. Okay. Wow. Very interesting. Very interesting. So, what is the typical size asset that you’re buying in that market? You know, I mean, is it plexus? Is it five units, ten units, or two units? What is it– the typical? If there is a typical, I don’t know.

Lior
Yes. So, I mean, the thing about the Boston Market is there are not a lot of huge buildings here. Right? So, whereas you can go in the south and find 200-unit building apartments, here like a 30-unit building, a 40-unit building is considered to be a pretty large building.

Rod
That’s a big one. Yeah.

Lior
That’s a very large building here. So, right now our average product has been anywhere from three to about 15 or so. You know, and that’s very bread and butter what you can find all around the– right around the Greater Boston area.

Rod
Do you syndicate them, even that small, do you syndicate a three-unit? I mean, do you syndicate something that– and do you do deal-specific syndications, or do you do funds? How do you do it?

Lior
Yeah, so it’s interesting when I first started out, we did by deal by deal syndications.

Rod
Yeah.

Lior
We raised for everything. Actually, this year, at the beginning of the year, we actually raised our first fund, put together a bunch of equity, and then essentially went on a shopping spree.

Rod
Nice.

Lior
Yeah. So that business, that model worked out great. We were able to buy, you know, again, bread and butter products at discounted because we had the equity lined up, ready to go.

Rod
Yeah, you could offer cash and quick closing, all that. Okay. So let me ask you this. You know, I have a lot of aspiring investors like you were when you first started listening to my show. You know, knowing what you know now, Lior, what words of wisdom might you share with them? What path, you know, what strategies might you suggest for someone that hasn’t taken action yet? I mean, I don’t know about you, buddy, but I believe we’re headed into some incredible opportunity in this country. I really do. I think everything’s going on sale. And, you know, if you listen to my podcast, you start to, you know, hear the men and women that own, you know, four, five, 6000 doors. They almost all started in nine, ten, 11, and 12, you know. And, you know, I like to think that’s a clue, and so, but I kind of bounced around a little bit there. But what would you say to someone that hasn’t taken action yet? What advice might you give them?

Lior
Yeah, I mean, the big thing I think is get really good at one thing first, right?

Rod
Yeah.

Lior
Is don’t scatter yourself. So, you know, I started playing the Boston Market. I learned it really, really well. You know, I kind of started carving out this niche where we can start to look at projects that are heavier value ads. And I just got really, really good in– and, you know, now I can do these projects in my sleep. Right?

Rod
Right.

Lior
And I think that’s where all the opportunities will come because I agree with you. I think– I mean, I’m seeing it in Boston especially, too, right now. I mean, there’s going to be blood in the streets pretty soon.

Rod
Oh, yeah.

Lior
There are a lot of people that did not structure deals properly.

Rod
Oh, yeah.

Lior
A lot of developers have put a product that’s not moving.

Rod
Bridge debt is coming around. Yeah.

Lior
Oh, yeah. I’ve already gotten those calls.

Rod
Yeah.

Lior
Yeah. You know, I’ve seen that everywhere. So, there are going to be– opportunities going to be everywhere. The question is, can you execute, right?

Rod
Yeah.

Lior
If you’re a man of many talents and you’re going to be in five different markets with no real team or expertise in any of them, that’s going to be tough, I think. Right?

Rod
Yeah.

Lior
I think if you can really hit your ship down, really get your crew, really know what you’re doing, I mean, I think you’ll be able to crush it.

Rod
Yeah. Well, I agree completely. I agree completely. Yeah, I’ve got actually a virtual bootcamp coming up here on the 15th and 16th of October, and I’m telling people, man, now is the time to get up to speed. Don’t screw around and wait, because once we’re in the thick of it, it’s really going to be too late. You have to build relationships. You have to make connections. You have to, you know, learn how to underwrite deals and everything else. You know, so what role– do you have a team? Is it just you or do you have a partner or two?

Lior
Yeah, so right now it’s just me and a partner.

Rod
Okay.

Lior
Obviously, we have our GCs and architects.

Rod
Right. But I mean, internally it’s you and one person.

Lior
Internally right now, it’s me and one person. We have an assistant.

Rod
Right. What role do you play– I’m sorry to interrupt. I’m so bad at it. Forgive me. What role do you play in the team and what role does your partner play? Do you do the same things or do you divide and conquer?

Lior
No, we definitely divide and conquer.

Rod
Okay.

Lior
So I’m definitely much more on the operational side. So I do a lot of management of our construction, property management, really make sure our ops are working, you know, and really hammer those out. And what I was going to say just before, too, is we have explored, you know, starting to really build up the internal team. You know, we’ve had interviews for W-2 positions, especially on the construction and operational side because that’s where all of our money is made.

Rod
Not now.

Lior
I know. We’ve gone back and forth.

Rod
Not now. Keep that overhead low right now. Conserve cash right now. Get into as much cash as you can and access to as much cash as you can because cash is king in what’s coming. And you do not want to squander it. You know, building this nice office with a bunch of employees, it’s time to get lean and mean right now. And so, yeah, I’m glad to hear you didn’t pull the trigger on that. So, does your partner, is he more on the acquisition side, or analytics side? I’m just curious because you know, guys, when he answered the question to you, those of you who haven’t taken action yet, you know, become really good at one thing. There are lots of different hats you can wear in this business. You can be the person that finds the deals and underwrite them, or just finds them. You can be, of course, if you’re analytical, you can underwrite them. If you’re process-driven like Lior is here and, you know, maybe have some project management experience or construction experience, or you know, just management experience in general, you can asset manage. Do you agree with me here, Lior?

Lior
Absolutely. Yeah. So, you know, just to give your listener more context. Yeah, my partner is really good at acquisition. Yeah, we both do acquisitions, but he’s good at that as well. He does a lot of the finance and accounting. He raises a lot of their equity as well. Really is the point when we’re talking on the– to debt lenders. So, you know, there are very defined roles and exactly like you said, right? I mean, you don’t have to be good at everything.

Rod
Right.

Lior
If you can find a way to provide value in a couple of assets, I mean, that’s huge.

Rod
Yeah. You know, I have– I don’t know, somewhere between 1000 and 1200 students at this point and they own upwards of 90,000 to 100,000 doors. And I’ve only been teaching for five years. I’m super proud of that. But what I’ve discovered is most of those doors were done between my students, by my Warriors, my mentorship students. And, no, this business really is a team sport. So you just bring your superpower to the game, you align with a team that’s maybe done it already for your first deal or two, and maybe you know, you date before you get married. But, you know, that’s how this business is done. Lior, you know, everybody thinks you know, that all they see is the success, you know they see 30 million in assets. You’re obviously a very intelligent, driven guy, but talk about some setbacks, talk about when you got your butt kicked, your nose bloodied, whatever, and maybe some lessons involved. Pick a doozy or two, will you? Because we’ve got them. You know, we’ve got them. We’ve all got them. I mean, almost every day, it seems like sometimes.

Lior
I read a book on it.

Rod
Right.

Lior
You know what, I guess one of the good lessons I learned was actually after I bought my very first property, you know, I thought I was kind of a genius and decided to hop into the development game for a little bit. So actually in 2017 it was, took on a few development projects in Boston and quickly learned that it is a totally different ball game, right? It is completely different. You know, I partnered up with a developer that I thought would help steer the ship. Everything just worked against to me, basically, is how it went and I really learned, right? Again, it’s what I’ve been saying the whole show is to get good at something, right?

Rod
Yeah.

Lior
Don’t go bouncing from, like, rentals to condo development. Just get a good couple of things and really hammer those out.

Rod
Or even shifting asset classes. You know, every asset class has its own nuances, you know, idiosyncrasies. And so, if you’re going to do multifamily, do freaking multifamily. Don’t say, okay, maybe I’ll throw some self-storage and some retail in here. No, become really good. So I really like that you said that, especially in what’s coming. I will tell you, generalists, get their butts kicked. You need to be a specialist, okay? And that’s what you’re talking about right now. So, do you have a family? Are you single? Tell me a little personal.

Lior
I have a girlfriend.

Rod
Okay. How old are you, Lior?

Lior
I’m 29.

Rod
29, okay, good for you, man. Good for you. That’s freaking awesome, brother. So, let me ask you this. Is there anything you would do differently if you went back and told 18-year-old Lior what you know now? Tell me if there’s anything you would change. Would you stick with what you’re doing now? Would you enhance it? Would you go bigger? Anything come to mind when I ask that question?

Lior
Yeah, it’s a great question. I would say 100% scale quicker. Right? You know, I bought my first building when I was 23, and over the next two to three years, you know, we started doing deals. I mentioned the condo development that obviously I wish I never did that.

Rod
Yeah.

Lior
But, you know, even when we started doing the first couple of syndications on the multi side, you know, we kind of took it slowly and, you know, did one by one. But looking back at it, right, it’s like, everything gets better with scale, and the more you do it and the faster you go through it. You learn your lessons quicker, you know what you’re doing, you increase your network faster. So if I could do it again, I mean, you know, I wish I was at this stage when I was like 25, 26, instead of a couple of years later.

Rod
I feel you. You know, I get the same answer every single time, which is why I ask it, because people are like, should I start with a duplex? I’m like, fine, start, but start. Okay? And then I ask the question, everybody always says, go bigger, faster, you know, and scale faster, for sure. Every single time. And that’s why I ask it. I don’t want them to hear it from me. I want them to hear it from my guests. You know, so, I know that we talked about this offline that you had mentorship, and did you find value in the fact that you had a mentor to help you through this?

Lior
Yeah, you know, and I’ll say this about mentorship. I mean, I think you can have multiple and they will be throughout the phase of your career too. Right?

Rod
Yeah.

Lior
I mean, every time you’re in a different phase of your career, you have a different person that has been there, has done that, and can provide the right insight.

Rod
Yeah. Good answer, Yeah. No, I love it. You know, were there any epiphanies on this journey for you? Any like, aha, moments like, okay, now I get it. Well, obviously around the development you had one, you know, like, okay, knucklehead, get out of this and go do what you’re good at. But anything other than that?

Lior
Yeah, I mean, I think one of the biggest shifts in my business has been the last 12 to 18 months. So when we first started out syndicating in Boston, we kind of went after the transitional I’d call them more class-C, maybe lower class-B markets. And over the last 12 to 18, maybe 24 months or so, I’ve kind of made it a real pivot to the class-A location in Boston. So instead of going after those transitional markets, I’ve been going after the core markets, right, and going after you know, the best locations. And that was a real changing point in mind, you know, because when I was first starting out, I always thought you know, investing downtown that’s kind of left for the elite and for those people that have excess cash. But once I started looking through the financials and looking at more deals in this premier locations, I realized hey, like I can go do the same thing I’m doing in these markets and just take it to you know, these more stronger, established markets and do the same thing. And that was like a huge moment for me. You know, I remember doing my first building in an area like this and I was like, I can’t believe we’re doing this. You know, I don’t have any business–

Rod
That’s cool.

Lior
Yeah. I don’t have any business buying here.

Rod
No, it’s pretty freaking cool. When you take it, you know, you plateau, you go to the next level, you go to the next level. Who knows, maybe you do high rises here next, you know. So, there’s always another level and I love it. And I will tell you, you know, I think the CC minus assets are going to have some hiccups over what’s coming. I mean, good God, with inflation and gas and everything else, people– you know, there are 20 million families in this country behind on their utility bills? I couldn’t believe it when I saw that. So do you have any favorite quotes that drive you or anything that help inspire you? You know, have you done your goals? Do you have vision boards? Do you do anything to keep you juiced? Tell me about that.

Lior
Yeah, I mean, you know goals I do every day.

Rod
Good.

Lior
I have a daily planner.

Rod
Nice.

Lior
So I get those down every day along with you know, my five key to do’s. You know, I’ve tried the vision boards and I’ve had my coaches tell me to do them. Honestly, for me, I think once you have an ingrained mission, like it just clicks. You know what I mean?

Rod
Okay.

Lior
I don’t need to look at a red Ferrari or whatever it is every day. Like, you know, I kind of get my purpose. I know what I want to do and, you know, for me, it’s like a sport, right? It’s like, how can you be elite? And honestly, that’s what drives me.

Rod
Oh, that’s a good answer. That’s a good answer. And that says you’re competitive and you’re basically transforming that energy into this business, and that absolutely works. Fair enough. Well, listen, brother, I appreciate you coming on the show, adding some value, and as I told you, I’m up to my eyeballs today, so I’m going to need to cut this off at this point. But it’s very much a pleasure to meet you, and I appreciate the kind words about you know, the fact that you’ve suffered through a few of my podcast episodes in the past. Anyway, it’s great to meet you, my friend. I’m sure we’ll stay in touch.

Lior
No, you do great work. I hope you keep doing it. It’s fantastic, and it was an honor being here, so I appreciate it.

Rod
Very kind of you to say, buddy. Thanks. We’ll talk to you later. Thanks.

Outro
Rod, I know a lot of our listeners are wanting to take their multifamily investing business to the next level. Now, I know you’ve been hard at work helping our Warrior students do just that using our “ACT” methodology which is Awareness, Close, and Transform. Can you explain to the listeners how they can get our help?

Rod
You bet. Guys, we’ve been going non-stop for three years building an amazing community of like-minded people, and our coaching students which we call our Warriors have had extraordinary results. They’ve purchased thousands and thousands of units and last year we did over 1000 units with our students. And we’re looking to grow this group and take it to the next level. We’re looking for people who want to follow a proven framework that’s really step by step and then leverage our systems and network to raise equity, to find and close deals, and to build partnerships nationwide. Now, our Warrior community is finding success in any market cycle. So if you’re interested in finding out more about how you can become more of our incredible network and take advantage of the incredible opportunities that are coming very soon apply to work with us at “MentorWithRod.com” or text “CRUSH” to “72345”, and we’ll set up a call so you can check us out and we can check you out. That’s “MentorWithRod.com” or text “CRUSH” to “72345”.