Hey guys, we are buying two more boutique hotels along the California coast here with Summers Capital,

45 rooms off market in Catalina Island, and a second deal up in Vodega Bay, which will make a total

of eight boutique hotels owned and operated. Our investors get passive income, tax benefits,

and the best part is, unlike investing on Wall Street and a lot of these other asset classes

like multifamily, our investors get to go and stay and experience these boutique hotels firsthand to see how their money's working for them. And so if you want to learn to see if we can help you before this opportunity fills up, you can go to Summerscapital.com slash invest to book a free call with my team. Again, at Summerscapital.com slash invest to Booker Free call of my team. Now let's jump into the show. I was a runaway at 12. I was institutionalized at 14. I was behind 12 foot brick walls that I could not get out of. Then I came out of the institution, got pregnant at 15, and became a mom a month before my 16th birthday. I have always managed myself and someone else from the time I was 15.

Make sure they were fed, they were closed, we had food on the table.

It took me a very long time to figure out where my natural strengths came from.

And they actually come from being a mom early because I was responsible for someone else's life early on.

You gotta have the grind and you got to creep over

through that hustle because that's where the money is made. All right, guys, today I got a female

entrepreneur who is the, maybe the one of the largest 100% female owned mortgage brokerages

that she owns today in the U.S. doing a lot of big things in a lending game, but also helping a lot of entrepreneurs, a lot of business owners scale. We got Karina Carter in the building. What's up, Karina? Thank you, Rich. Thank you for having me. Of course. Man, this fit. I got to say, I was just telling Oscar before we started recording, like,

you were probably the best fit, swaggiest dress guest that we've had on in quite some time.

Well, I had to come to impress you, Rich.

I like it. I like it. So, Karina, you run one of the top 50 mortgage companies in the in the

country right now. Yes, we're in the top 50 for companies in the in the country right now.

Yes, we're in the top 50 for mortgage brokerages.

We've scaled from 30 loan officers to over 130.

And we have in a down market in the past four years. We've increased our business 18 to 22 percent, 23, 24, 25, and now looking at 26.

Wow.

Each year.

And the name of the game for a lot of people in the real estate game, you know,

...