Ep 466: Creative Finance In Under 30 Minutes With Chris Prefontaine

Transcript

your host Daniel Martinez today I have a

special guest Chris

[Music]

Prefontaine he says he's from New

England but what part of New England uh

Rhode Island right now Daniel Rhode

Island Rhode Island all right so one one

of the first I always like to ask I know

you've been doing real estate for a long

time you're doing coaching let's kind of

jump right into the meat and the sauce

we got we're on a short timeline today

and we're going to make it work so tell

us 30 second commercial I know you got

Creative Real Estate Strategies.): Chris discusses his real estate strategy, emphasizing buying and selling properties in New England without using banks, focusing on owner financing, lease purchases, and subject to existing financing.

this down what you do who you are and

all that jazz yeah yeah we buy and sell

we family company buy and sell property

in the New England area we only buy it

on terms we don't use Banks that's

Creative Real Estate that's owner

financing lease purchase subject to

existing financing and then that took

that was after the crash by the way

because after the crash it was

devastating for me after the 08 debacle

and then we got started getting demand

for coaching on this and now we we coach

this all across North America and when I

say we coach this Daniel we do deals

with students in the trenches very big

difference from just buying some course

and now we've hit Inc 5,000 three years

0:50: Impact of 2008 Financial Crash and Shift in Business (0:50.Chris shares how the 2008 financial crash impacted him and led to a shift in his business approach, including the start of his coaching business, now recognized in the Inc 5000.

in a row so that that piece of our

business is growing while we still do

deals in the trenches oursel and stay

current and that's your coaching

business is part of the Inc 5000 yeah

amazing amazing how does your lead flow

come in is that through ads or through

social media marketing podcast all the

above I was going to say all the above

but but when someone starts just to

focus them we have a service that will

feed them daily live feed of expired

list things that didn't sell with

relatives for sale by owners for rent by

owners and then if someone says yeah

great but I'm kind of more aggressive

anymore we'll start working on Niche

lists like free and clear homes there a

reason we can talk about that later

super super lucrative and other other

Niche lists like that to make make sure

they do and I say we a virtual assistant

will call these lists not us okay then

we'll take the people that say yeah yeah

yeah give have give me a call so you're

providing them data as soon as they sign

up just to get leads in found yeah they

pay for the service but it's peanuts

it's like $60 a month it's not our

service right it's a third party okay

okay but the whole thing is that you're

trying to and this is I think the the

the thing about coaching and students is

to get them into momentum as quick as

possible yeah it's key we we obsess over

this one we have a bunch of metrics but

we obsess over the metric of what we

call ttfd which is time to First deal

because to your point if they get

rolling quickly especially on our three

payday deals which are very lucrative

they're not leaving and so that's why we

obsessed over that versus okay what can

we sell this month it's not that it's

about how many deals can we do and how

quickly okay so how does Okay so time

the first deal is is very important

metric to you so you're giving them

leads are you giving them you do like

weekly trainings they get a course yeah

so there's a basic online course and

then depending on what program they want

weekly group coaching or weekly group

coaching and unending like literally no

limit how many times they can access

their coach if they're doing deals it's

it's as needed oh the reason why I'm

asking this because I I do coaching I

have students well so I'm trying to get

them my my my metric that I'm keeping

track is is uh when they hit six figures

so I don't know it's not necessarily the

first deal because they can hit it in

one deal but it's like the first time

they hit yeah it's cool though it's it's

a good it's a good metric all right

let's talk about creative Finance

because I love Creative finance and I

think I think you do too so let's let's

let's break down creative Finance for a

person that's never even doesn't know

what that means yeah so I'll try to go

third grade level my brain just assume

certain things so you peel me back if

you need to it means you're not going to

use a bank first of all let me be very

super clear because I I got crushed by

the Banks after8 and said I'm not doing

it again never I'm not signing a

personal guarantee ever and you can do

that for even your own house never mind

what Daniel and I do so that means owner

financing this building I'm standing in

is a mixed use building it doesn't have

to be residential which is what I teach

this was a free and clear building no

mortgage we structured owner financing

with the owner it was principal only

payments for a while I made it to him

instead of a bank if you knew to real

estate listening and then because he was

conventional real estate guy he said

principal only like he couldn't even get

his armra on that or his head so then we

went 18 months and then we advertised

the balance so he get his way and I get

my way but I hammered principal at the

beginning that's very important so owner

financing this one way second way for

newbies which is great is lease purchase

our agreements literally Daniel have a

$10 deposit built in so you could tie up

all kinds of property like you go you

can get to a million dollars say on 10

deals or all three paydays that we teach

and you spent a hundred bucks literally

100 bucks because you're not taking

title least purchase to control that and

then the third way we do buy it just

like going to financing and that's

subject to existing financing and the

reason it's creative when you said

define it it's all these deals I'm just

telling you as you know the 10,000 foot

view there's always a deal after the

deal after the deal when you can

restructure these things I call that

wealth stacking like changing it up a

little bit but think about sub2 right

now subject to existing loan if you're

new to this you buy someone's home you

take ownership in whatever entity you're

doing according to your attorney but

then you're the seller stays on the loan

as the guarantor we're seeing two three

4% like in the last several months we're

buying homes at that rate I I don't know

when that's going to happen again right

on the conventional Market but that you

can do that right now which is pretty

cool okay so let's uh are you doing and

you mentioned the lease purchase lease

options are you doing like a master

lease purchase with a a Master Lease

built in or is it just a straight lease

option with a purchase agreement we have

a great lease option when we're doing a

residential house like I've done some

Master Lease things on on commercial

with a couple units but let's talk

residential Simplicity yeah lease

purchase agreement with an honor before

date the day can be cashed out they

being the seller and then we exit all of

these with a rentown program with the

buyer we've got about a two to 5%

default rate that's way above what

anyone else is doing in the industry

with this from what I understand because

we qualify very strictly the buyers we

want them to get to the Finish in other

words are you teaching your students to

rap for cash flow or to to keep for like

portfolio like rentals yep great

question so I that sort of comes into

that wealth stacking where when someone

gets the five or six property like okay

Daniel let's look at this now you've

you've solved your cash flow needs let's

say assumably and we say all right great

so now let's take some of these sandwich

leases and let's try to turn them into

sub two now we don't have an end date

let's take some of these sandwich leases

or two is where maybe the sellers do

some money and let's try to Discount

that from another deal coming in so

there's all kinds of things we can do to

keep these deals 20 or 30 years or cash

them out in two or three depending on

what you got going on in your life right

financially absolutely no I I I love

Creative Finance I love what you're

teaching how many students have you

pushed through like this this like phase

one part of this education because I

think your metrics going down the line

is always going to trickle down but like

how many people have you put in have

gotten their first deal that's that's

huge I have a couple things so we track

we don't Lop off the outliers right so

I'm going to give you numbers of

everyone we're at a little over a

thousand people that have gone through

the qls home study course I don't know

how far but know we broke that and

that's the online course because if

you're gonna do anything with us you go

through that you either do it with us or

you go on your own and do it but you go

through that course yeah called Quantum

Leap system qls okay out of all the

people about 24% of those end up joining

us locking arms and becoming what's

called an associate and they're doing

deals in the trenches with us as you and

I saying about the weekly calls and

everything else we do out of those that

have come in I don't what that comes to

almost 300 83% of those are what we

consider active and active is they show

up they don't massive goals necessarily

that's their business but they show up

to weekly calls they they send their

weekly reports in they're doing the work

according to their goals and then we

have an alltime number that we're trying

to get to one and that is deal per

student now that might sound crazy

because some people do 15 deals but but

some people come in the community and do

one and go hey this is great I got a job

and one deal made me you know 100 Grand

so we're at like 6 we're not at one yet

but again it's something we obsess over

and when I tell all the coaching people

we're in a mastermind we're like I don't

know 200 businesses like you and I and

they go that's really good so we're

trying to get to one on average on

everyone has ever come in including

people that quit right yeah yeah yeah

you gota make up you got to make up for

because this is one thing I think that

not everybody fits into the mold and not

everybody's going to catch it but you do

want to make sure your your metrics are

as best as possible because I think it's

one of those things that if you can

really home I think I I love that you're

you're very like kpi oriented because it

shows that you care about the numbers

and you care about each student

individually even though there's even

though you there there a lot of people

there's there's metrics to everybody in

trying to keep you might try you're

trying to help everybody

win yeah I talked to a guy last night

literally on Zoom he's a he's a like an

equity looking at growing with us and he

Approach to Real Estate Deals and Agent Interactions

said What attracted me to you guys many

months ago was that you sort of have

best practices for you care about people

he said that's evident and he said too

many people in the industry don't and

this is a guy that wasn't in the

industry so so that to your comment very

important there's too many people just

want to sell stuff and keep moving yeah

yeah no I think it's good it's good it's

good metrics it's good systems um I I

love I love the community aspect of it I

think the community aspect of it is

insane it's very

undervalued this is this is I think the

I I can't know the answer to this one

but are you marketing the sellers

yourself yeah we still buy and sell oh

yeah okay are you are you marketing

though we just use the system I told you

list VA calls we follow up we don't we

don't spend any money on marketing the

reason is I know a lot of people teach

it and I like it but the reason is when

I was new coming out of the crash I had

10 cents I didn't have 10 cents even so

if you said buy a list or do a i' be

like I can't do that so then I I don't

want to burn people with that but once

they get in they can play around with

postcards and things like that which

I've done in my career but I don't make

it a standard way I get my business

absolutely so I really want to dig in on

this because we started doing the same

thing and we almost follow the same

similar framework not necessarily the

same but similar framework and we

stopped marketing over a year ago so

we're not because we do deals with our

students and that's where our lead flow

comes from because yeah we rather do

deals in the trenches with our with our

people so we stopped actually marketing

two sellers directly and then we car

on the education side teach and educate

and teach them how to fish love it love

it very similar we have similar

mentalities with this yes because I I

think the the biggest thing is that when

you teach when you teach them how to

fish they can go they can go fish the

rest of their lives they don't they

don't necess need you anymore and that's

I think that's the all in all goal when

it comes to People Like Us is that they

go if you teach them how a fish they can

they don't whenever they get it and they

they got it down they're just they're

gone you said something real important

because I scream about this when once

you you learn creative no one can take

it from you it's a skill life and you

can and should be buying your own

property that way your own house if you

just learn it and buy your own house

every three or four years you have a

huge win absolutely and you can go and I

I want I want to hit on this is that

other people's speed and acceleration

doesn't have to be your speed and

acceleration go at your own pace go slow

figure it out do it right and get get to

that end goal over time and distance

because this is a long-term Play You and

I in sync so on this week's calls I make

a list of what I'm doing on the calls

each week right okay this week with my

highest level group I said hey guys just

just a quick reminder for you we're in

January and I said very similar to yours

but here's how I word it I said your

success has zero to do with whatever

else in the community is doing and it

has zero to do with what you where you

are now it has everything to do with

where you are now compared to where you

were last year so just work on that and

don't beat yourself up they like oh okay

A little light bulb so I agree with you

no it's amazing and and this is for

example sake is there like a student

that comes to mind that went from zero

to 100 super fast and what what does

that look like cuz I think it it's a

that person has the tools and

capabilities to accelerate and not

everybody has to build those like some

people just come with it installed on

them so this is like a outlier so what

does the outlier look for look like in

your in your coaching yeah and and I'm

glad you said outli because I don't want

to ever give the impression Yep this is

the norm you come in this what you're

going to do no this okay so Brian in

Chicago comes to mind and there's others

but Brian Chicago comes to mind because

when he first came in he was an elevator

salesman he was on the road for Years

hated being away from his son and said I

want to learn this I want to leave my

job he left his job in nine months but

what Brian did is you didn't listen to

me right away because he listened to me

in every other way except for this he

didn't want to buy sub2 or on France he

was a little afraid of it so he did all

leases he did his first eight deals got

over 800 Grand and pay day one twos and

threes meaning this spread out and was

able to leave his job again eight deals

10 $1 each which he Chuckles and said I

really didn't give him 10 bucks on every

one of them but $80 to tie up that with

$838,000 in Payday accumulated that's

that's pretty cool and then he left his

the job that quickly I think his

original goal was either a year or two

when he did it in nine months okay

that's amazing I think I know what your

paydays are but let's cover your paydays

one two and three and what what does

each one do to kind of I didn't know

what they are but yeah no and this came

out of the crash right so I came out of

the crash going you know what I'm done

do the trans actional thing I just want

to I want to create someone well and we

trademark that in US here's how it works

the buyer comes in who's a true buyer

now they're not a rented with some pipe

dream they're a buyer that needs a

couple more years of tax returns to get

financing or whatever their thing is so

that's payday one our family company the

communities all over the place and

sometimes bigger we're in the lower end

is around 26 Grand or 28 grand P2 is the

spread between my underlying debt to the

seller or the bank and what I'm

collecting from the tender buyer o is

around 308 bucks we're very low the

community is closer to a grand a house

per month and then payday 3 is really

cool because it's all the principal pay

down you accumulated to the deal

especially if you did owner financing

principle only and then it's the markup

and then all three of those paydays

total for us around 78 Grand for the

community 45 Grand low high of quarter

of a million like my guy in California

Rusty's also a coach now he was a p a PE

teacher for 23 years and left that and

now he's a coach with us but he does he

does you know a million is normal for

him so his paydays are always six

figures because of the price range so

that make sense the way I did it yeah

absolutely absolutely let's talk about

principal only and terms you ask for

when you're asking for a seller because

there's so many ways to create a woodwin

scenario and a lot of buyers are stuck

on price and like I think I always think

of like the commercial buyers like I

want $5 million for my for cap and like

okay

so what what the what what are terms

people can use in

please do your own research after this

because I don't think we're going to

touch the surface on this but like what

are some things you can negotiate up

front to make a sweet deal for you on

your other paydays that you negotiate on

the back end yeah I'm with you I'm not

CAU up on price at all and I do look at

comps but I don't get too caught up and

I just want to make sure they're

realistic because if I can get my term

I'm golden so a couple things first of

all you get all this because we can't do

it to your point all of it today but you

for the listener you get all this by

asking questions yep because people say

me how do you convince these people and

then I'll talk about the pay the hell

you do that so you don't you ask

questions and you try to either solve a

problem that they can't solve or

accomplish a goal they weren't

accomplishing in the conventional Market

they're free and clear they don't have a

problem they want to accomplish a goal

like this building was free and clear

that I'm in and he wanted tax in estate

planing so he wanted on a financing so

so you find out that first what are you

trying to solve for if you think you can

solve it there are things like I I treat

it like a seesar I say to the seller

okay I got three variables here it's

kind of a seesaw and there might be five

but I'm trying to limit them I have

price I have term and I have monthly

what's the most important to you I want

my price all right great and then I so

then I I know I just got to push the

term out right because if I do principal

only payments I'm gonna make up any

increase in any premium in price in a

few months based on my monthly so that's

I position it if they bring up I don't

know let's call it uh let's let's say

they bring up interest because I don't

want to pay interest so I didn't bring

it up and they bring it up so then I

just say okay we got four things it's

kind of a quadrant we got interest down

price and term what's most important I

can't give all that's not fair we got to

have a win-win here and they get that

it's like common sense so what are the

two top for and we'll see if I can work

on the other two what's the fifth one

would be down payment because we don't

do down either so don't bring it

up okay so I had a uh I was on I'm a big

fan of Twitter and I was commenting

about how we just picked up $1 and a

half million dollars of seller financing

on one property from we do land and uh

people like oh you can't do that like

like I I screenshot the picture of the

contract and there's there's an interest

rate box and it's blank like oh why'd

you leave that blank like oh don't worry

about that if you don't mention it they

don't ask true yeah assumptive so here's

a way to say it too hey Daniel's myell

hey Daniel say it's I don't know

$600,000 then I'm Gonna Make You monthly

payments against that I didn't say

interest I didn't even say principal I

said I'm Gonna Make You monthly payments

against that so when I send him a note

that says 1,500 a month principal only I

said yeah that's what I told you it's

common sense but

if so you could turn into a hybrid

though let me just say this quickly this

building like I said he was a landown

one of the biggest in the area so he he

got it and he was a math guy but when I

said principal only he almost fell off

his chair so I said okay let's do this

and that's why I structured what I call

a hybrid all principal for 18 months

take the balance then amortize it at his

rate we are both happy

win-win yeah because you can knock down

a l this you can knocked down a lot

because you can make those payments

extra big on the front end just to make

your your amortize

Even Flow yeah and they like it because

it's cash flow for them that's all they

see oh big number and I actually built

in every August they give him another

five grand TOS principal but that's all

that was it was hammer and principal do

you ask for uh annual terms what sorry

annual

terms like instead of 360 payments

versus 30 payments so one pay per year

never I haven't done

that okay I'm tracking with you okay I'm

just saying I'm asking if you done that

because if I I learned this from

somebody but is keeping people like

mailbox money but if you separate the

mailbox money across the year they get

desperate because then youate that so

you so you do how many payments instead

it's 30 annual payments like instead of

360 monthly payments you do 30 annual

payments so pay them once per year got

it yeah I like that for a lot of reasons

oh yeah see light

bomy I I don't know who I learned this

from I heard it somewhere but it was a

this that's uh they get mailbox money

but they're separating how often they

receive the mailbox money yeah and that

that alone is powerful love it it's good

stuff I love Creative creative is so so

fun and there's no end it's never boring

right it's never boring never boring one

thing I really want to hit on is what

you said is gauging questions a lot of

people Overlook that part of it they're

like oh I'm just

gonna just kind of throw my offer out at

it if you ask gauging questions you can

construct and create the offer that's

going to work to make you get that deal

together together together are you doing

off Market on Market how do you deal

with agents if you're creating creative

Finance how does that work how do you

how do you work that and piece that a

disclosure for agents listening I was an

agent for 18 of my 33 years in the biz

so this is not a shot at relatives but I

tried not to ever deal with them because

they don't understand it and they get in

the way I didn't want to have my

brokerage so I get it I just didn't

understand what I understand now

so most of our stuff is off Market

because remember it's either well a fizo

is on the market technically but I'm

saying with an agent so it's either an

expire that came off with an agent a

fsbo's on the market a fsbo by Nature

thinks what they can sell they wouldn't

be a fsbo so I know when I make that

call you're not saying yes today but I'm

figuring out if you're motivated I'm

gonna put a follow up in the future

that's a caveat there whereas an expired

it's like yeah I I didn't sell it I'm

frustrated so that's a different lead

and then the femp own is a totally

different lead because they just

frustrated landlords they're n them

market and then the niche list the free

and CLA is definitely not in the market

typically unless you on accident run

into one right but if I buy a list of

free and

CLA lot large percentage are not in the

market if not all so mostly off Market

that's that's good that's good we're

we're mostly on Market so we

do we're do the opposite this is one of

the things I I love about this

conversation is that Chris is Right

Daniel's right whoever teaches something

totally different they're right too all

these all these things work it's just

how you work it and I think the the

however you learn and practice and do

you can take a very and this is this is

why I love real estate you can take a a

like a manipulation of whatever you're

taught and make it your own and totally

kill it in a totally different sector

yeah and and you can combine and and

here's what's neat Daniel and I could be

in the same zip code never not run into

each other never compete with him I say

that to say that you know this now

because the way you answer that I

responded but it's the it's the

prosperity mindset I have a prospect

yesterday he's talented guy he's coming

he came from a tech and he's been on his

own and he wants to join our community

and his his only concern he told me was

that one of my coaches and the guy Rick

I talked about who know I didn't talk

about this show I had done so many shows

today he was in the government a

government job for 30 years and just

left in May to come full-time and he

said I'm concerned he's near me and I

just wanted to like slam the phone down

because you can't how many deals do you

need if they're 100 Grand deals really

how many deals do you need 50 a year no

just two one or two and you straight and

most light work yep so don't worry if

you're listening have Prosperity mindset

if anything if Daniel and I in the same

Market we're probably gonna collaborate

on some cool deals We're Not Gonna step

on each other yeah I I love the

collaboration part of it because a lot

of people and a lot of rich people that

are in the real estate game for a long

time they're very abrasive they pull out

the the lawsuit card they pull out the

attorney card they pull out all these

different things to try and be abrasive

and try and fight that collaborative

thing but the collaborative people what

I've seen kill and knock out everybody

else outside the market and if you're if

you're competing with a collaborative

group of people you're gonna lose every

time agreed you're gonna lose every time

this is man this is such a good

conversation I I think we talk for an

hour about

this stu okay so you're not talking to

agents you like doing direct to soner

aling direct to seller marketing are you

teaching to do virtual or if they're

belly to belly do they do belly belly

conversations how do they kind of build

that internal Rapport how are you

teaching to teach the internal rapport

with the sellers directly yeah prior to

covid not going to the house was

difficult now it's accepted so we'll

we'll do properties we haven't seen let

alone walk through I hav't se maybe a

picture of it but are there cases

especially with some agewise some some

older people face to face this is

important for some people right I'm I'm

just saying if you have like I got a

call I got a referral in Florida I'm in

Rhode Island I just got this last week

so for me it's simple I just do the

whole deal but I just have somebody to

be boots on the ground and go go over

there for me to look at the house not to

go build report I did all that on the

phone no problem at all you and people

say well what if I don't have boots in

the ground we didn't have boots in the

ground when we started in the state of

Connecticut about uh this is back in

like 16 so we put an ad out we were

looking for someone that could go to the

house and give us the the look right you

know we got we know we attracted with

those ads not knowing we would Builders

and home inspectors oh home inspector

okay so I said send them it's better

than I'm gonna do and then they gave us

a report and we did everything over the

phone with the seller it was the best

thing we fell into an

accident Builders and home inspectors

they answer the ad and they said they'll

do I'll do a walkth through I'll provide

your report I think we G him 250 bucks

wow see when we do that we always get

agents agents agents always are the ones

doing the walkthroughs for us as long as

you again I'm going to throw a little ow

here like if you call me in my agent

days I also did new construction stuff

so I I could be able to help you not I

wasn't like in the trenches Builder but

I knew enough some you just got I mean

some agents you know they got to try to

sell the house one their one house a

year and let alone give you a home

inspection but some of them are good and

it's always the conversation so we

always pitch them to do like a Bo and

then we tell them to do a Bo and then if

we bought the property would happen to

be the listing agent nice and that's how

we work reciprocate yep we have agents

don't get me wrong with the agent thing

I just don't want to call one on the

market we have agents that understand

what we do and if they're gonna have a

property expire they go oh man and they

refer us and they get a nice residual

because we paying on our payday or they

down the road say ah man they didn't

want to pay a re agent or they're upside

down they can't afford me if they don't

come out of pocket so you know those

things if it's out of their box they

will refer us that's a good thing I I'm

we're coming towards the end I'm going

to head you with a good question how do

you overcome a large amount du that a

seller wants creatively to cover like a

balance up to where they might have

$50,000 worth of equity or larger how do

you come up with that to make it cash

flow through your paydays because

sometimes it's hard to create a down

payment from your R buyer to cover that

am okay so we try to and we do on 98% of

the deals if I had to pick a number if

they have Equity they're getting it on

the back end as a balloon with no

payments and no interest in between now

amazing the underlying debt is so small

that the payment's tiny we don't mind

struction some quarterly or something

like that but that that would be

different Rick just did two what he

calls hybrid deals where he bought them

sub two there significant Equity above

that so so did some more financing on

top but no payments and no interest on

both his deals and these are nice houses

they just wanted to wrap it up and they

trusted him to be done with it so you're

doing a backend balloon or quarterly

distributions to cover that amount and

that could be proportion from cash flow

or some type of third party loan or even

yeah it could be that deal it could be

you could Bor private if you had to but

none of my students do it could be you

have five or six deals going you pay

days of flowing and you know you can

pull some money out of those yeah you

can get super creative what is a quote

that is yours or somebody else's that

you resonate with the say that again so

I'm tracking what is a quote that is

yours or somebody else's that you

resonate with I I always butcher the um

I fet who said the C the the persistence

quote but

persistence I forget the quote it was a

was it a Roosevelt quote or something

persistence is more important than

Talent education blah blah blah blah

blah okay okay didn't I do that really

well that was the best I've ever

heard you get a long day of interviews

you that's the best quote I'm coming up

with no and this is one of I'm gonna

finish on this note but it's one of the

things where if you if somebody has

skills and you're consistent you're

gonna beat them every time that's that's

where I that's that's the persistent one

yeah yeah that's just the bottom line

all right so where can people find you

online we got smart realestate coach.com

I think this has been a great

conversation I wish it was longer but I

think this is I I tell you what get me

on an encore in six months or whatever

is good for your audience and I'll we'll

SP we hang out I want to give them all a

free book your audience and and and I

appreciate you having me on the um and

it's not free book oh yeah by the way

put a credit cutting for shipping

because I can't stand that it's we are

shipping from this office you will get

physical books go to Wicked smart books

Wicked smart

books.com hiive in the number one

numeric number one Hive one there you go

go check it out thanks Chris for coming

on for everybody here check out check

out check him out online I think he's

real estate coach on every platform

please go check him out uh Chris thanks

for coming on for everybody here go like

share subscribe you know what to do

we'll see you on the next episode thanks

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Ep 466: Creative Finance In Under 30 Minutes With Chris Prefontaine

Daniel Esteban Martinez

Chris Prefontaine