My Story
So…

West Philadelphia, born and raised, on the playground was where I spent most of my days…

Just kidding.

I’m from here in Texas.

But I’d like to take a minute, just sit right there and I’ll tell you how I became the Prince of Seller Financing.

(no cabs with dice on the mirror were involved.)

Once upon a time, I was a kid from a blue collar neighborhood.

When you think of someone who is a successful real estate investor, you probably imagine a rich fat cat who has a lot of money to throw around.

Maybe you even imagine Scrooge McDuck diving into that swimming pool full of coins…

(how did that not kill him?)

But I mean, I don’t blame you for assuming that I started off rich. After all, it’s not as hard to make money from investing when you already have a huge amount to start with.

But that’s not me.

Before the Creative Cash Flow Academy, before my real estate success, before I even knew what seller financing was – I was just a small town girl, living in a lonely world a kid from a rough part of town.

My family lived in a blue collar neighborhood, in a house spray-painted with gang signs that was not really worth much.

My neighbors were nice people, but let’s just say the ways they made a living weren’t exactly… legal.

My neighbor had 50 lbs of weed stashed in the closet – and his brother would walk around flaunting 20k in cash.

When I asked him whether he was worried about being robbed while carrying around that much money he simply said,

“Bitch, they know who I am.”

(Basically, I grew up in my own version of “Breaking Bad.”)

But he was right.

My wheeling, drug-dealing neighbors were the “bosses” around town – nobody messed with them.

They owned multiple houses and the subwoofer on their 60s Impala was so loud it would shake our door right open.

(Riding in that car was like being on a Six-Flags ride – especially when the hydraulics kicked in.)

“wwhheeeeee!”

Yeah, growing up with few resources around a bunch of drug dealers wasn’t ideal.

It was heartbreaking when my childhood dog died from eating an ecstacy tablet they left lying around. I became street savvy pretty quick, especially when neighborhood gang members would ask 10 year old me “who you wit?” to determine if they should talk to me or beat me up without any particular reason.

That being said, regardless of how they made their money, my neighbors really cared about me and my family.

(One time, someone with a grudge against my neighbor got the wrong house and smashed the windshield of our family car. They regretted that immediately when he chased them down the street with his 120 lb MONSTER of a pitbull. Not too long after, we had an apology and some cash for a replacement window.)

It wasn’t a perfect upbringing, but I didn’t care. My parents did an incredible job. I was surrounded by people who wanted the very best for me – and I was a happy kid.

So, how did I go from being just a kid in a poor neighborhood, to becoming a real estate investor who has originated over $75 million in seller financed mortgages?
Well, I started hustling, and didn’t stop.

Ever since I was young, I was looking for any opportunity to wheel and deal.

Going into real estate made a lot of sense to me. From a young age I had the crazy idea that with the right skills I could turn opportunities into money and really build a life for myself – rather than just trading my hours at a desk job.

That being said, I’m not going to lie to you and say that I knew how to do this seller financing stuff right from the get-go.

Good lord, no. I had to learn pretty much everything by myself. The hard way. Through Good ol’ (painful) trial and error.

When I stumbled into seller financing I barely even knew what I was doing.

For goodness sake, I was even desperate enough to Google search terms like “How to make money in real estate without having any money to spend on real estate.” ← I actually did that.

As ridiculous as it sounds, this ended up being the single most profitable Google search I ever did in my life. When I did that search query, I found a bunch of information on Seller Financing and I was intrigued. I thought to myself – “this might be worth a try!”

I didn’t need a second push to start digging into it. I realized it was Heaven answering my prayers.

I became hungry for success.

I was in LOVE with the idea of becoming a real estate investor.

I could see that Seller Financing was the most complicated way to make money from real estate – there are many wheels turning and a LOT to learn. But I also realized that this meant not many other people were doing it – so if I could master the art I wouldn’t have much competition.

All I knew was that the world of seller financing was so exciting to me and I could see the potential to make a TON of money. The prospect, the payoff, the people, it all sparked my interest.

But of course, I was also hesitant at first.

What if I can’t make it happen?

What if I fail?

After all, when you grow up poor you think these type of opportunities are “not for you.”

If I had told a younger version of myself about how much money I would make from this type of investing (and how many great experiences I would have!) this would have been my reaction:

But boy, was I wrong.

What I’ve learned is that this type of lifestyle really IS possible. (However, you DO have to put in the hard work.)

If you are willing to do the work (and you follow the right strategies), you can achieve success beyond your wildest dreams.

Here’s the part where my life got flipped, turned upside down.

I prayed about it.

I talked to my wife about it.

Look, I’m not here to get preachy, and I hate when people use religion as a subtle plug to gain the favor of others that have the same belief system as them. But there’s a fine line between being the guy that brings up God to make you feel comfortable with him, and being the guy that ignores his faith completely just to make sure he’s not offending anyone. All I want to do here is be honest, and tell you the reality of my story.

I felt like God was giving us the green light. So I dove in and I went for it.

I realized that if this is what God wants for my life, nothing can get in my way.

I was constantly reminded of Romans 8:31 “If God is for us, who can ever be against us?”

We didn’t take this on lightly. My amazing wife was behind me 100% in this quest, even when it meant working long hours and hustling to close deals 24/7 – even on Christmas Day. It was hard work, but we were both excited by it because we knew I was working towards a better life for us, not just following a boring path that was laid out for me.

Sometimes it got tough, but I kept reminding myself that if God is blessing this and opening doors for me – am I crazy for walking through them?

Or would it be crazy NOT to take this opportunity?

And here I am now.

I’ve built a successful career as a real estate investor and I’ve achieved a level of success well beyond what my young self would have even thought possible.

The Big Picture (Aka. My Coca Cola Epiphany)

You know what really pushed me over the edge?

The crazy moment where I decided to even take this to prayer? To even bring it up to my wife? The moment where my perception of the world shifted forever?

It was all thanks to an ice cold can of Coca Cola.

Yup, freakin’ Coca Cola.

You see, as I held that iconic red and white can in my hand I thought about how once upon a time Coca Cola didn’t even exist. This mega soda brand, available in nearly every shop from Texas to Timbuktu, was once just an idea in some guy’s head.

Then I looked around me and realized that everything I saw – every mega company or brand name blazoned across the side of a building – was once just somebody’s idea.

Before cars existed, there was just some guy named Henry Ford who said, “You know what? I think I’m going to start making automobiles.”

“You can have any color you want, as long as it’s black.” – (Photo via Ford Motor Company)

So, then I thought…

“Why not my idea?”

“If someone can do it, then I can do it.”

I thought about all of my excuses and all of the reasons I had failed to take action before. I used to think that only the exceptionally talented would achieve big success.

But I realized that no matter how hard I try, I will never have as much soul in my entire body as Stevie Ray Vaughan had in his four left fingers. I will never be able to shoot a ball like LeBron.

But that’s okay, because you don’t have to be the LeBron of real estate to make millions.
You don’t have to have an insane talent that outshines 99% of people.

You simply have to be a little bit crazy, willing to work hard and believe that you’re the one to get it done.

And that’s all I did. I was crazy enough to say “screw it” and attempt to pursue this life. Why not?

(I would have said #YOLO but that wasn’t a thing back then.)

After all, if your dreams don’t scare you, they aren’t big enough.

So, why did I decide to teach this stuff to others?

I figure that if it took me this long to figure it out on my own, there are probably many others out there like me who dream of seller financing success but are struggling to make it work.

And I know firsthand that the struggle can be tough if you don’t have someone to guide you along.

So, I created this Academy so that I could share what I learned.

In other words, after learning how to wield The Force I wanted to become Yoda so that I could help other Seller Financing jedis to master this complex craft and unleash their potential.

In the Creative Cash Flow Academy I share all of the wisdom I’ve learned over the years – except I’m not tiny and green and I don’t speak backwards. How does that sound?

I LOVE my life and I’m so grateful for the experiences I have had and everything I’ve learned along the way. I’m thankful now to be in a position to reach out and help others who may be going through the same struggles I once did.

A can of Coca Cola gave me the crazy idea that I could make my ideas big – and millions of dollars later I want to pass what I’ve learned onto you. That’s why I’ve created this Seller Financing educational resource.

At the core of everything I do here there is one goal:

Helping my students achieve success in the world of seller financing.

With the Creative Cash Flow Academy, I want to give my students the platform they need to get a head start – and the confidence they need to just go for it.

(After all, I’m sure you’re not just here for my mad GIF skills, but because you actually dream of making this career work for you too.)

The question then, is simple: “Do you want to be one of the smart investors who makes big money in Real Estate?”

Are you ready to start learning?

(See? Even Jon Snow is ready, and he knows nothing.)

If your answer is a loud & resounding “Yes!” then you are in the right place.

So, what are you waiting for?