So let's talk about just this accumulation of rental properties because you know I'm sure people are watching that right now like okay I understand

Zuba story that's great this dude puts in work. Okay. How did you do it during your career? What did that look like?

Yeah, so I think that, you know, a guy's been doing it 22 years while working a full-time job there's a couple of pivot

points we should talk about so first of the decision I tried to do it where I

lived the numbers didn't work I live in the Silicon Valley yeah so I had to find a

place it did work so that was an important thing. I found and chose Fresno, California, Central Valley.

Yep. And I have focused there for 20 years. I didn't go hey, here, and then I didn't chase hot hot markets I built teams and I just kept going

second I started with what I knew residential single family homes but you got to remember I

start in 2002 my first house Norris Drive was 107 grand rents for 1,100, 1% rule, right?

Yeah.

I don't know any better.

In many places anymore.

Not today, right?

So I put 20% down, buy cash flow is all good. That was the first run-up and I did a cash out refi. I did it badly, right? I took

out too much money because the house went negative, right, negative cash flow, but I bought

more assets. So the first thing you will see in our

entire journey for 15 years is no cash flow and no cash out refies, no 1031s, didn't go back

into more real estate. Our day jobs funded our life. We were purposely taking every

piece of cash flow, putting in a pile, buying more assets. That's step one. Not a lot of people

do that. How many people do you know make a little bit more money?

Okay so let me be clear. Okay you just said your day job was funding your lifestyle

correct and then you have these real estate assets that were creating cash flow and then you were taking that cash flow to buy more assets.

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